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What is Fidesmo Pay?

Trusted by the world’s leading payment schemes – Visa and Mastercard – Fidesmo delivers one of the most simple, scalable, and secure platforms for tokenized payment. Our solution enables banks and fintechs to digitize and provision payment cards onto a wide range of devices with a secure element. Today, Fidesmo works with over 800 issuing banks, allowing their customers to easily and securely add cards to supported devices through Fidesmo Pay. As a pure software platform, Fidesmo Pay gives device manufacturers the freedom to choose the secure element that best fits their design and product needs. Unlike vendor-locked solutions, it is compatible with any secure element manufacturer offering EMVCo-certified products, ensuring maximum flexibility and interoperability. This enables device makers to innovate freely in form factor, style, and user experience without hardware constraints. Future-proof by design, Fidesmo Pay continuously expands its ecosystem by onboarding more banks, schemes, and device categories. Manufacturers can focus on growth and customer engagement while the platform supports white-label solutions and deep customization, letting banks and brands deliver tailored payment experiences. As one of the leading tokenization platforms globally, Fidesmo is trusted by brands like Swatch and Polar, who rely on our technology to deliver secure and seamless wearable payment experiences. Founded in 2013 by Miguel Cardo and Mattias Eld, the company launched Fidesmo Pay in 2019, which has since shown consistent and accelerated growth across markets, banks, and device categories. With its open and scalable infrastructure, Fidesmo is shaping the future of tokenized payments worldwide.

What is Cashflows?

Cashflows is an end-to-end payment processing platform designed to give businesses full control over how they accept and manage payments. It supports online, in-person, and omnichannel payment experiences, ensuring customers can pay however they prefer. The platform delivers fast and secure transactions, including real-time payouts that help businesses maintain healthy cash flow. Cashflows is built for speed and efficiency, with over 80% of applications processed within 24 hours. Through the Cashflows Portal, businesses gain access to detailed reporting, transaction management, and insights across all payment channels. The platform supports recurring billing, subscriptions, and automatic card updates to minimize declined payments. Developers can integrate easily using Cashflows’ REST APIs, which follow standard protocols for consistency and reliability. Cashflows works with all major payment methods, including cards and digital wallets, offering flexibility at checkout. It serves a wide range of industries such as retail, financial services, and insurance. Case studies highlight significant cost savings, faster decision-making, and improved customer experiences for clients. With strong regulatory compliance and security standards, Cashflows provides peace of mind for businesses handling payments. Overall, Cashflows positions itself as a people-driven payments partner focused on long-term growth.

Media

Media

Integrations Supported

BR-DGE
Coriunder BAAS
NMI Payments

Integrations Supported

BR-DGE
Coriunder BAAS
NMI Payments

API Availability

Has API

API Availability

Has API

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Company Facts

Organization Name

Fidesmo

Date Founded

2013

Company Location

Sweden

Company Website

www.fidesmo.com/pay/

Company Facts

Organization Name

Cashflows

Date Founded

2003

Company Location

United Kingdom

Company Website

www.cashflows.com

Categories and Features

Mobile Payment

ACH Support
Contactless / NFC
Credit Card Support
Cryptocurrency Support
Debit Card Support
In-App Payments
In-Store Payments
Micropayments
P2P Payments
eCommerce Payments

Payment Gateways

ACH / eCheck support
Buyer Authentication
Credit / Debit Support
Customer Information Storage
Fraud Prevention
Invoicing
Multi-Currency
PCI Compliance
Point-of-Sale (POS)
Recurring Billing / Subscriptions
Reporting / Analytics

Payment Processing

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

PCI Compliance

Access Control
Compliance Reporting
Exceptions Management
File Integrity Monitoring
Intrusion Detection System
Log Management
PCI Assessment
Patch Management
Policy Management

Categories and Features

Credit Card Processing

Cash Transactions
Contactless NFC
Electronic Receipts
Electronic Signature
Mobile Card Reader
PCI Compliance

Payment Gateways

ACH / eCheck support
Buyer Authentication
Credit / Debit Support
Customer Information Storage
Fraud Prevention
Invoicing
Multi-Currency
PCI Compliance
Point-of-Sale (POS)
Recurring Billing / Subscriptions
Reporting / Analytics

Payment Processing

ACH Check Transactions
Bitcoin Compatible
Debit Card Support
Gift Card Management
Mobile Payments
Online Payments
POS Transactions
Receipt Printing
Recurring Billing
Signature Capture

Point of Sale

Barcode Scanning
Commission Management
Cryptocurrency Support
Customer Account Profiles
Discount Management
Electronic Signature
Gift Card Management
Loyalty Program
Multi-Location
Restaurant POS
Retail POS
Returns Management
eCommerce Integration

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