List of the Top Payment Processing Software in 2025 - Page 8

Checkout X offers a robust e-commerce checkout solution designed to help online retailers boost their revenue by eliminating obstacles and fostering a sense of confidence and security in consumers, allowing them to quickly complete their purchases while enjoying a smooth transaction process. This cutting-edge platform greatly enhances retailers' earnings by presenting a more efficient, mobile-friendly checkout experience, diverse payment methods, and opportunities for post-purchase upsells, among other advantages. Notably, with Checkout X, customers can complete their orders in merely 25 seconds, a stark contrast to the average industry time of 66 seconds, showcasing its impressive efficiency. Additionally, around 75% of retailers see a natural increase in sales when they take advantage of post-purchase upselling techniques. The platform enables businesses to fully leverage their payment service providers, offering tailored integrations, multiple payment options, and crucial tracking capabilities. Moreover, Checkout X effortlessly connects with important services for conversion tracking, order fulfillment, cart recovery, and additional functionalities, ensuring a smooth operation for online businesses. By opting for Checkout X, companies have the opportunity to transform their checkout processes and significantly enhance customer satisfaction and loyalty, ultimately leading to greater long-term success. Embracing this solution could be a game-changer for retailers seeking to stay competitive in the rapidly evolving e-commerce landscape.

TransNational Payments leads the industry in providing innovative payment technology solutions to businesses nationwide. Our broad spectrum of payment processing services enables merchants to accept a variety of payment methods, whether it's in physical stores, online, or through mobile platforms. We offer a comprehensive range of merchant services that include credit card processing, mobile payment solutions, payment gateway services, gift card and loyalty programs, in addition to all-inclusive POS solutions and Full Service Payroll. Our dedication to transparent pricing and outstanding customer service enhances every transaction, ensuring a positive experience for our clients. Built on a principle of full transparency, TransNational Payments aims to provide simple and efficient payment solutions that help businesses thrive. We prioritize the education and support of our clients, offering 24/7 assistance tailored to fit the specific needs of each business and consistently working to exceed their expectations. We motivate businesses to increase their profitability by taking advantage of our competitive rates on secure credit card processing, cutting-edge mobile payment solutions, and advanced POS systems, ensuring they stay ahead in the rapidly evolving payment technology landscape. By partnering with TransNational Payments, businesses can anticipate a collaborative relationship that emphasizes their growth and enhances their operational productivity, paving the way for long-term success.

Xsolla is a specialized ecommerce platform tailored for the video game sector, seamlessly combining its Transaction Engine and Business Engine to aid developers and publishers in promoting, selling, connecting, and optimizing their games on a worldwide scale. By concentrating exclusively on gaming, Xsolla adeptly tackles the complexities of distribution, marketing, and monetization, thereby enabling creators, publishers, and platform partners to expand their audience, increase sales, and improve revenue streams. With a robust suite of tools accessible on a unified platform, Xsolla allows you to market, sell, connect, and optimize your game with ease. Our all-encompassing solutions draw upon our diverse products, strong industry connections, and in-depth expertise to meet the distinct needs of your business. Notably, outstanding games can originate from any corner of the globe, and Xsolla is dedicated to ensuring that the most groundbreaking concepts are nurtured, acknowledged, and celebrated. To facilitate this, we have developed a variety of products aimed at removing barriers between creators and the crucial support they need, thus fostering a vibrant ecosystem for game development. By collaborating together, we can turn remarkable ideas into unforgettable gaming adventures while continually adapting to the evolving landscape of the industry.

Paysley enables customers to send secure payments to you through text messages, picture messages, and email, making it incredibly versatile. Additionally, customers can reach any personalized payment page via their mobile devices by simply scanning a QR code that can be placed anywhere. Completing a payment is straightforward; customers do not have to download an app or register for an account. This platform is recognized as the most user-friendly and convenient payment solution available. There is no requirement for special devices or card readers, and cardholders can easily make payments using their smartphones. The process is seamless, with no need for app downloads, account creation, passwords, or logins, and there is no redirection to third-party websites. Paysley employs a direct tokenized payment method, eliminating the need for you to request your customers' card details ever again. It is designed with security in mind, ensuring that your business remains PCI compliant. Furthermore, your Paysley Portal not only allows you to upload and manage customer data but also goes beyond basic contact information to enrich your customer database with additional insights. This way, you can better understand your clientele and enhance your services.

Qvalia is an all-encompassing platform specifically tailored for finance teams, empowering them to streamline their workflows while retaining complete visibility over transactions and financial data. Our solutions improve both accounts receivable and accounts payable functions, featuring tools like instant spend analytics and automated accounting that drills down to the line-item level. Users can seamlessly incorporate our services, which are offered with a transaction-based pricing structure and an easy one-month cancellation option. The Qvalia Autobilling feature transforms accounts receivable by offering a B2B checkout widget for e-commerce, alongside capabilities for automated invoicing, reconciliation, and reminders. Centralize all your transaction management processes in one location to enhance efficiency. Leverage the global e-invoice network PEPPOL or send e-invoices in PDF format at no additional charge. Furthermore, our platform simplifies the administration of subscriptions and recurring billing, facilitating a smoother order-to-cash cycle and boosting B2B e-commerce sales. Begin your digital transformation journey in finance operations, ensuring that every supplier invoice is processed electronically with our PDF Converter tool. By utilizing Qvalia, your team can revolutionize its approach to managing financial data and transactions, resulting in improved efficiency and effectiveness. This transformation not only benefits internal processes but also enhances the organization’s overall financial strategy.

In Finland, Paytrail stands out as the leading provider of online payment transactions among various payment services. We proudly support more than 10,000 e-commerce platforms, with a focus on customizing our services to enhance user convenience. Our unique offerings include automated daily bank settlements, advanced fraud prevention mechanisms, and a seamless shopping experience that sets us apart from competing payment systems. With our service, you can easily provide your customers with a variety of preferred payment methods, such as e-payments to all Finnish banks, major credit and debit card transactions, as well as invoicing and installment options. The Merchant Panel simplifies the process of tracking payments and managing accounting tasks, giving you a clear and quick overview of your payment activities. To date, our platform has successfully processed transactions exceeding 15 billion euros. Additionally, as a division of Nets, Paytrail benefits from an enhanced capacity and broader reach. This collaboration allows us to consistently innovate and elevate the payment experience for all our users, ensuring that we remain at the forefront of the industry. By committing to ongoing improvements, we aim to adapt and respond to the evolving needs of our clients and their customers.

Broaden your business reach on a global scale with Tazapay, the dependable solution for cross-border payments. By eliminating the necessity for local partners, you can simplify your international transactions, making the process of global trade both effortless and effective. Tazapay provides a unified platform designed to optimize the collection of payments worldwide, guaranteeing that your financial processes operate without a hitch. Your funds are safeguarded until the shipment is verified, and should any delays occur, you are guaranteed a full refund, ensuring peace of mind. Once the products are shipped, the complete payment is swiftly released to you, eliminating the risk of buyers withholding funds as long as you fulfill your obligations. Serving as a reliable intermediary, Tazapay holds the buyer's payment until the vendor has provided the promised service. After confirming that the service has been completed, Tazapay promptly disburses the payment to the vendor without unnecessary hold-ups. All funds placed in escrow are strictly segregated and secured by leading banking institutions, operating within a robust regulatory environment. Furthermore, we manage all compliance and regulatory obligations, allowing you to concentrate on what you do best—growing your business. You can also customize the milestones for payment releases to align with the unique requirements of your organization. Our services encompass Know Your Customer (KYC) and Know Your Business (KYB) processes, along with meticulous verification of shipping documents, ensuring that you have complete confidence in every transaction. This thorough methodology not only secures each transaction but also facilitates your successful expansion into international markets, opening new avenues for growth and opportunity. With Tazapay, you're not just conducting business; you're building a global enterprise.

Our API facilitates swift operational implementation, providing a dynamic and adaptable payment solution with limitless possibilities. It simplifies transactions among various stakeholders, enabling businesses to effortlessly manage the connection between user payments and their services. By focusing on payment and transaction efficiency, we effectively link financial service providers with their customers. Our API is distinguished by its comprehensive documentation, making it one of the most flexible choices available for different crowdfunding platforms. Truust is specifically designed for those who desire a simpler approach to managing payments while creating unique experiences and promoting innovative business models. You have the ability to create customized payment flows across any platform. Utilize our API to build e-wallets and enable split payments for each transaction. If your business encounters complex technical challenges, we urge you to get in touch with us. Every Truust plan includes email support to aid you in your projects. Additionally, our dedication to improving user experience remains a core aspect of our service philosophy, ensuring that our clients receive the best possible assistance. We continually strive to enhance our offerings to meet the evolving needs of our users.

Obtain the free merchant application to receive immediate payment notifications, which enables you to create and showcase your ZapCode or share your ZapLink, making it easy for customers to pay via Zapper. This app is designed for merchants who operate on both tablets and smartphones. Every time a customer completes a transaction, they enter your expanding community. By leveraging the Zapper Merchant Portal, you gain access to detailed insights about your customers and their transactions, allowing you to entice them back with appealing vouchers as a way to show appreciation for their loyalty. Craft customized voucher campaigns that not only draw in new customers but also encourage returning patrons through various incentives, discounts, and savings opportunities. Expressing gratitude can play a crucial role in boosting customer retention rates. Foster a loyal customer base and influence their purchasing behavior by rewarding your Zapper community with digital loyalty cards available within the app. You can customize your campaigns based on how frequently customers visit, their total spending, or even the specific items they purchase. Attract new clientele to your business and observe the positive growth that follows! By implementing these strategies, you will create a more engaging shopping experience that keeps customers coming back for more.

Our Virtual Terminal comes equipped with an array of integrated features such as customizable fields, pre-filled data via field mappings, and buttons that are automatically deployed. It also includes a built-in reattempt mechanism that keeps track of the number of attempts, allowing you to customize your business workflows using Process Builder. With every reattempt, you can notify your customers through email to request new card information, generate tasks, create reports, and more. Moreover, roll-up fields are automatically assigned to Transaction Parents, which aids users in effortlessly tracking total amounts. In instances of refunds, retained revenue is calculated automatically for each transaction, thus streamlining operations. These capabilities significantly reduce both setup time and costs. Additionally, managing receipts becomes a breeze without any coding, as you can use Workflow or Process Builder to create specific receipts for different companies based on the logic you define through a point-and-click interface. Furthermore, with the use of custom settings and custom metadata, you can easily manage reattempt configurations, Apex validations, field population of terminals, and other features—all without requiring programming expertise. This user-friendly approach ensures that even those without technical skills can effectively utilize the system.

Butter is revolutionizing the payment recovery process for direct-to-consumer and SaaS subscription brands by swiftly and effectively addressing failed payments and subscriber retention, resulting in over 5% growth in annual recurring revenue. This innovative approach not only enhances customer satisfaction but also strengthens brand loyalty in an increasingly competitive market.

CARDZ3N facilitates international transactions for various payment methods, including credit cards, ACH, SEPA, and over 140 cryptocurrencies. The platform specializes in handling payments for high-risk sectors and emerging markets, covering areas such as CBD, cryptocurrency exchanges, gambling, and travel, among others. Additionally, CARDZ3N provides a competitive Stripe Alternative, with fees beginning at 2.25% for non-profits and 2.75% plus $0.25 for e-commerce businesses. Beyond these services, CARDZ3N also presents a range of payment solutions, including options for ACH, payroll and HR services, employee benefits, and business capital support. At CARDZ3N, our goal is to address the critical challenges faced by our diverse clientele, regardless of their size. It is our distinctive methodology that sets us apart and defines our unique value proposition in the market.

Streamline your bill payment and invoice collection processes by automating both accounts payable and receivable, allowing you to concentrate on business growth instead of getting bogged down in payment tasks. By generating purchase quotes and refining the approval workflow prior to sending them to vendors, you can improve operational efficiency. Ensure that purchase orders match vendor invoices accurately while monitoring open and closed POs in relation to your budget. Capture vendor invoice information automatically or manually and facilitate secure payments without incurring foreign exchange fees. Create polished invoices and provide customers with the chance to verify amounts before they are billed. Incorporate smart workflows that feature automated reminders sent via WhatsApp and email to maintain effective communication. Transition from traditional spreadsheets to a robust dashboard that includes pre-built reports and customer timelines for better oversight. Take advantage of integrated task management within a unified workspace that organizes promise-to-pay tasks and simplifies customer follow-ups. Additionally, leverage a smooth two-way integration with your chosen accounting software to boost productivity. By adopting these advanced tools, you can significantly enhance your financial management practices while fostering better relationships with vendors and customers alike.

Sionic is at the forefront of implementing real-time payment solutions in the U.S. commerce landscape. Our innovative platform enables instant digital cash transactions directly between banks, allowing consumers to make payments to merchants across numerous channels, such as mobile apps, online platforms, physical stores, and even within vehicles. Merchants reap the benefits of receiving immediate cash deposits in their accounts while sidestepping the hefty credit card processing fees that have historically burdened businesses of all sizes. These fees have created a significant financial strain, accumulating to over $110 billion annually in the U.S. as of 2020. Simultaneously, consumers face escalating late fees and an overwhelming $15.2 trillion in debt, compounded by ineffective reward programs that perpetuate financial disparities. The launch of immediate digital bank payments presents a transformative opportunity to equitably redistribute value to both merchants and consumers, who are the backbone of the U.S. economy. To further enrich this payment experience, we offer three intuitive mobile tools designed to make bank transactions quick, secure, and convenient for users. Moreover, our system allows for easy integration with a customizable microsite through QR codes or URLs, streamlining the payment process even further. Ultimately, our goal is to create a more efficient and equitable payment ecosystem that benefits everyone involved.

Streamlined invoicing is crucial for businesses as it accelerates payment processes. With functionalities such as immediate invoicing and the ability to set up recurring payments, businesses can efficiently manage client records and communication all in one place. You can create professional invoices and accept digital payments without incurring extra charges. Finli is designed as a robust payment management solution specifically for small businesses. The platform allows you to send invoices through text or email for prompt payment with minimal effort. Furthermore, it supports the creation of memberships, subscriptions, and recurring billing, effectively automating your revenue streams. Customers appreciate the flexibility of splitting payments and choosing from a variety of payment options. You can easily access detailed insights into customer transactions and interactions. Clients can conveniently pay their invoices via a browser or mobile app, and sending invoices comes at no cost. Finli proves to be an outstanding payment management option, particularly for educators. Additionally, you have the ability to integrate package discounts, set no-show fees, and tailor other payment features to meet your specific business requirements, enhancing overall customer satisfaction. By leveraging these tools, you can empower your customers to navigate their payment processes with ease and efficiency.

At Super, our philosophy revolves around delivering a transaction payment solution that incurs no costs, aiming to foster your business’s expansion without any fees attached. Unlike many payment service providers that charge transaction fees ranging from 1-5%, our approach is completely free, enabling you to concentrate on growing your clientele. We recognize the hurdles in online customer acquisition, which often come with significant expenses, typically around 15-30% when leveraging conventional digital marketing strategies. Super offers a fairer method for both customer engagement and boosting sales, as you have the flexibility to set your own commission rate while we enhance customer interaction via our app. By providing cashback incentives to shoppers while keeping a small share for ourselves, we create a mutually beneficial scenario for all parties involved. The Super app is designed to improve the shopping experience, featuring appealing cashback offers from a diverse range of brands, both large and small, ensuring repeat visits from customers. In essence, our ultimate goal is to establish a cohesive ecosystem that serves the interests of both businesses and consumers, fostering a thriving marketplace. We are dedicated to continuously innovating and adapting to meet the evolving needs of our users.

Pay.’s all-encompassing payment solution streamlines transactions for both online and physical retail businesses. By adopting a robust omnichannel payment strategy, your enterprise can witness sustained growth. Each transaction is effortlessly integrated within the Pay. platform, granting you instant access to financial insights and payment analytics via the dashboard and app. With Pay., your e-commerce clientele can choose from a wide array of online payment methods that cater to their preferences. To improve user experience and increase conversion rates, you can select from more than 50 local and global payment solutions, which also feature various Buy Now, Pay Later (BNPL) options. Implementing Pay.'s pre-configured plugins on your online store is both quick and easy, making it accessible for all users. Furthermore, you can accommodate in-store purchases through debit and credit cards, e-wallets, payment links, or QR codes. The Pay. dashboard and app provide in-depth real-time visibility into all in-store transactions, ensuring that you are consistently updated on your financial health. This transparency not only facilitates improved decision-making but also significantly boosts customer satisfaction. In this way, Pay. empowers businesses to thrive in a competitive market.

Mercado Fondo allows you to earn returns while ensuring your funds are always accessible. You can instantly transfer money to any bank or digital account, enabling immediate access to your funds. A free Mercado Pago card is available for global purchases and cash withdrawals. You have the autonomy to set the interest rate you pay, with options ranging from 0% to 6.79% per sale, allowing you complete control over your financial choices. Managing your finances, overseeing collections, and tracking daily sales is straightforward and efficient. You can assign permissions to your team members according to their roles, providing you with comprehensive oversight of transactions. Each point of sale can be tailored to meet your specific requirements, letting you dictate payment methods, metrics to monitor, and authorized personnel at each location. This service is designed to support your business through all stages of growth and operations, ensuring you maintain control at your fingertips. By utilizing Mercado Fondo, you can navigate the complexities of the market with enhanced confidence and flexibility, making it an essential tool for any business owner. Ultimately, it fosters a responsive environment that can adapt to the ever-changing demands of your industry.

E-commerce businesses with prior experience often prefer Transparent Checkout for its ability to provide a customizable and straightforward shopping journey. This option is particularly advantageous for teams dedicated to enhancing their online sales platform while actively managing payment transactions. After customers choose their products or services, they are seamlessly redirected to PagSeguro to finalize payments. This system is perfect for rapidly growing e-commerce businesses that aim to alleviate concerns related to payment processing. By incorporating this solution into your online store, you not only elevate the shopping experience but also gain the added benefit of PagSeguro's robust security features. Such an approach can significantly boost your sales conversion rates! Moreover, in cases of abandoned carts, customers receive timely notifications that motivate them to complete their purchases. You have an extensive array of customization choices at your fingertips, which includes changing button colors, adding your business logo, and even creating a fully tailored checkout interface that reflects your brand identity. This degree of personalization not only improves user experience but also strengthens brand recognition throughout the buying process. Overall, adopting Transparent Checkout positions your business to thrive in the competitive e-commerce landscape.

By collaborating, we can significantly elevate your online visibility and reputation, ultimately attracting more customers to your establishments! We will simplify the process of sharing information about your business across vital directories, GPS systems, search engines, social media platforms, and review sites. Gather all the feedback from platforms such as Google, Facebook, and TripAdvisor in one easy-to-access location. Consistently produce reports, analyze the data, and interact with customer feedback through a unified platform. Encourage satisfied customers to leave glowing reviews on your Google Business Profile. Enhance your website by adding a store locator feature and dedicated pages for each of your locations. Ensure that your points of sale are easily discoverable in search results relevant to your industry. Centralize the messages you receive on your Google Business Profile, allowing for seamless responses from both local and central teams. Together, we can greatly improve your online presence, leading to an enhanced e-reputation and increased foot traffic to your locations! Furthermore, building a robust online presence will facilitate not just the acquisition of new customers, but also the establishment of enduring relationships with them over time.

Accessing your funds is now incredibly simple, whether you find yourself in the cafeteria or attending a class, as payments can be made anytime and anywhere through your mobile device or computer. By installing the MySchoolBucks app, you gain seamless access to your meal balances and past transactions, enabling you to make payments right from your phone with minimal fuss. You can easily track your child's meal transactions and monitor their current account balance without any hassle. Additionally, you will receive notifications when their account balance runs low, preventing any possibility of them going without a meal. Furthermore, you can quickly pay for any fees that may be assigned to your student, and browse the school store for items available for purchase. The ability to set up recurring payments allows you to manage lunch money effortlessly, reducing any associated stress. You will also benefit from automatic alerts concerning low meal balances, ensuring that you stay informed. Protecting your account information and privacy is a top priority for us, so you can use our services with confidence. If you ever need help, please don’t hesitate to reach out via phone or live chat for assistance. Start by creating your free account today to manage meal payments along with other features. For any questions regarding your account balance, refund processes, or balance transfers, please contact your school directly for tailored assistance. This system not only simplifies your experience but also guarantees that your student is always ready for their meals, allowing for greater peace of mind.

Rapidly open bank accounts, offer cryptocurrency wallets, process payments, and issue cards for your clients with Solid's extensive and compliant FinTech solutions. This platform can be seamlessly integrated in just minutes, enabling the creation of exceptional user experiences. Through Solid’s Banking as a Service (BaaS), businesses are empowered to design and launch a variety of deposit products, including personal and business checking accounts. It includes a full suite of features from ledgers to statements, ensuring all the fundamental components for enjoyable banking experiences are covered. Solid's Card Issuance and Management system is revolutionary, facilitating the issuance of cards tailored to your customers' needs via a single API. Both physical and virtual cards—credit, debit, and prepaid—are completely managed by Solid. Enhance your customer interactions with a smooth, powerful experience built into your product through Solid's instant account creation API. Moreover, issuing customized physical and virtual cards is quick and straightforward, complete with essential spending controls using Solid's card API, guaranteeing that your clients possess all the resources they require at their disposal. This versatility allows businesses to adapt quickly to ever-changing market demands and provide their customers with innovative financial solutions.

NETePay Hosted is a comprehensive payment solution that facilitates payment processing and token management across various environments, including brick-and-mortar stores, online platforms, mobile apps, and automated systems, all managed through Datacap's centralized portal. With compatibility for nearly every payment processor in North America, Datacap provides an extensive range of plug-and-play EMV-compliant devices sourced from leading manufacturers. Their integrated payment solutions effectively unify in-person, unattended, mobile, and online transactions, guaranteeing a consistent payment experience across all channels. Customers have the flexibility to purchase, configure, and oversee Datacap products at any time via a specialized product portal. In addition, Datacap partners and their merchants enjoy real-time reporting features available around the clock. The platform supports remote adjustments of settings, pad flows, key injection, and other essential functionalities. Moreover, processor-specific encryption methods ensure that card details are kept secure throughout the transaction process, being encrypted at the point of sale and decrypted only at the NETePay Hosted, thus reducing unnecessary data transfer points. By enabling both contact and contactless EMV (chip card) certifications for stationary and mobile devices, the platform significantly decreases the likelihood of card-present fraud, thereby bolstering transaction security. This holistic strategy not only solidifies Datacap's position as a frontrunner in the payment sector but also adapts to the dynamic demands of businesses and their customers. As technology continues to advance, Datacap remains committed to providing innovative solutions that meet the challenges of modern payment processing.

Seamlessly manage, connect, and improve your payment links to various gateways and methods worldwide. Companies globally trust BridgerPay to handle their payment processes efficiently. With an integrated dashboard and detailed reporting, you can make quick and informed choices about payment transactions. Instantly link your business to a PCI DSS Level 1 payment operations system with hundreds of ready-made connections, or create your own in just moments. The Bridger Retry™ technology effectively retries declined card transactions, boosting revenue and enhancing customer loyalty! Expand your reach into new markets effortlessly with numerous connections that don't require any coding expertise. Acknowledging the importance of your business, we invite you to reach out whenever you require support. Just click the Intercom button, and our dedicated payment specialists will be available to assist you. Our mission is to permanently eliminate any challenges related to payment processing. Suitable for any business and compatible with diverse platforms, we connect to over 500 payment service providers, significantly easing the burden of PCI compliance with fully PCI DSS Level 1 interfaces accessible through a single API. Furthermore, we continuously adapt our innovative solutions to keep pace with the dynamic payment landscape, ensuring you remain competitive and efficient. Our commitment to your success means we are always here to support your evolving needs.

A cutting-edge API designed for split payments, compliant with PSD2 regulations, and capable of integrating multiple PSP configurations, while automating the reconciliation process and offering accessible KYC features, can greatly improve the functionality of your marketplace. Payaut allows online platforms and marketplaces to effortlessly manage payments through any chosen PSP, overseeing everything from onboarding sellers to the distribution of payments and payouts—all through a singular API. With the capability to process transactions using over 100 different payment methods, you can broaden your market reach internationally. Each transaction can be segmented to reflect your platform’s commission alongside the seller's fees, customized to meet your individual needs. The system ensures that your platform does not get involved in the financial transactions, maintaining PSD2 compliance as payment providers directly handle settlements with Payaut. Furthermore, all incoming payments are aggregated into a single payout for either the sellers or the marketplace itself. You also have the flexibility to transfer funds within the Payaut system between the accounts of the marketplace and sellers, which allows for efficient management of corrections or monthly fees, ultimately enhancing your financial oversight. This all-encompassing solution not only streamlines payment operations but also significantly boosts user satisfaction and trust in your platform, making it a vital tool for any online marketplace. By leveraging this technology, you can ensure a smoother transaction experience for all parties involved.