Top SMART Hub Alternatives

To improve the effectiveness of your payment systems, protect your business from fraud, or prepare for future payment challenges, Bottomline's PTX is the ideal solution you need. PTX streamlines your operations, enabling you to focus on what truly matters: the growth of your business. You can manage the distribution of funds to your vendors, clients, and partners securely, even if you lack their banking details. This versatile platform is well-suited for a range of functions, including processing refunds, managing claims, running marketing promotions, and distributing compensation. By simplifying the complexities of payment collection, you can optimize the flow of funds into your organization. PTX is crafted to integrate effortlessly with your sales systems while supporting various payment methods, thus boosting customer conversion rates. With a robust, scalable, and efficient design, this system allows you to securely submit, manage, and process a variety of bank payments, including quicker transactions, debit, and credit, all linked directly to the UK clearing networks. Ultimately, PTX enhances your financial operations, equipping you to adapt to the dynamic demands of today's business environment while also fostering lasting relationships with your partners and clients.

A comprehensive solution for managing payables that removes manual payment tasks, thus minimizing both risks and expenses for your organization. The inefficiencies of manual payment procedures can drain resources and time. Deluxe Payment Exchange+ addresses this issue by offering payees a variety of payment options, including paper checks, ACH payments, virtual credit cards, and eChecks. With DPX+, integration into current ERP systems like QuickBooks, Oracle, and Sage is seamless and rapid, allowing you to be operational in just days rather than weeks, without the need for extensive development work. For over a century, Deluxe has been at the forefront of providing innovative business solutions. DPX+ exemplifies this commitment, with more than 4 million businesses and 4,000 financial institutions placing their trust in Deluxe for essential business services. This level of reliability and support demonstrates the value and effectiveness of the solutions offered by Deluxe.

Zūm Rails offers innovative solutions that integrate instant payments with open banking functionalities. The software enables users to concentrate on distribution while we handle backend processes that reduce fraud risk, compile KYC data, and enhance the overall experience for end-users. By leveraging the Zūm Wallet, our solution accelerates the payments process, minimizes delays in financial transactions, and enhances user satisfaction through real-time data aggregation. Designed for scalability, Zūm Rails includes a Partner Portal that allows users to monitor customer transactions while gathering valuable insights and generating reports. Users can either operate directly from the Zūm Rails portal or effortlessly integrate our API into existing systems and workflows. Each aspect of the payment journey has been considered in the development of Zūm Rails software, ensuring a quicker, safer, and more user-friendly digital transaction experience. For further information, please visit zumrails.com to explore how we can enhance your payment processes.

Cashfree serves as a B2B payment platform enabling enterprises to efficiently manage both incoming and outgoing payments through a comprehensive range of solutions. Its offerings include a Payment Gateway equipped with advanced functionalities like Instant Refunds, Instant Settlements, and Card Pre-authorization. Additionally, the API Banking platform facilitates bulk disbursements, catering to vendor payments, delivery partner compensations, and salary distributions. Other available features encompass the UPI Stack, Marketplace Settlements, and a specialized Refunds Suite, ensuring that businesses have a diverse toolkit for their payment needs. This versatility in services positions Cashfree as a valuable partner for businesses aiming to streamline their financial transactions.

ReadyRemit offers a comprehensive solution for international payments, featuring crucial compliance and fraud prevention elements designed specifically for financial institutions. Its easy integration allows for vast global access and multiple payout options, enabling businesses to securely transfer funds to over 90% of the world's population. The service connects with more than 180 nations, boasting a remarkable network of 8.5 billion cards and accounts, as well as 290,000 cash-out points across 160 currencies. Financial institutions, including credit unions, banks, program managers, and fintech firms, need an adaptable payment approach that aligns with the shifting needs of consumers engaging in global transactions. The platform adeptly addresses challenges such as worldwide connectivity, changing economic conditions, compliance with regulations, seamless integration processes, continuous resource allocation, and partnerships with other providers. By leveraging ReadyRemit, organizations can optimize their international payment procedures, ensuring smooth and compliant transactions across borders. Moreover, the platform's flexibility allows it to adjust to the constantly evolving landscape of cross-border finance, providing additional advantages for its users and further enhancing their operational efficiency. This ensures that businesses remain competitive in an increasingly interconnected world.

Payall Payment Systems delivers tailored banking infrastructure aimed at fulfilling the varied requirements of the cross-border payments sector for regulated financial institutions. Their comprehensive global platform simplifies critical processes, including compliance, risk management, and operational workflows such as KYC, KYT (“Know Your Transaction”), sanctions verification, and document collection before executing transactions. It seamlessly integrates with existing core banking systems and enables payment orchestration across multiple currencies, payment rails, and disbursement methods, including bank transfers, mobile payments, prepaid cards, cash collections, and transactions using names or emails. Businesses can efficiently manage both individual and bulk global disbursements through API integrations or by uploading spreadsheets, addressing the needs of business-to-business, person-to-person, and governmental transactions. Payall guarantees real-time or near-instant settlement, improved audit transparency, reduced expenses, and greater accessibility for unbanked individuals, thereby promoting inclusivity within the financial ecosystem. This forward-thinking strategy not only enhances the efficiency of payment processes but also positions organizations to better serve their clientele in a rapidly evolving market.

Receive payments directly into your bank account without delay, featuring automatic invoice reconciliation that seamlessly integrates with your chosen accounting software. Crezco enables you to manage both sending and receiving international payments directly from your local bank account, removing the need for complex setups like virtual IBANs or local wallets. The connection with leading accounting platforms guarantees a smooth account-to-account payment process that is easy for users. Our API is designed to streamline operations for your team, allowing customers to execute payments instantly. Users can carry out a batch payment with a single authentication step, with each transaction clearly detailed as separate entries on bank statements. Additionally, Crezco can efficiently integrate and interpret CSV files from popular accounting and payroll systems, while also offering the flexibility to manually upload files when required. This adaptability keeps your financial processes running smoothly and effectively, addressing a diverse range of user requirements. Furthermore, Crezco’s commitment to user satisfaction ensures that your payment solutions are always up-to-date with the latest technological advancements.

Ivy functions as a unified financial infrastructure platform that enables swift money transfers at internet speed by integrating payment and banking services into one cohesive solution, allowing enterprises to receive, hold, send, and convert funds across fiat currencies and stablecoins via a single API. This innovative platform provides real-time account-to-account payment capabilities, which allows merchants to instantly access funds from their customers' bank accounts, reducing reliance on cards, digital wallets, or intermediaries and thus enhancing profit margins while also addressing the challenge of chargebacks. Ivy's offerings include a variety of products such as instant payment functionalities, multi-currency accounts with local IBANs, stablecoin settlement options, and real-time payouts that facilitate direct transfers to customers' bank accounts. Furthermore, Ivy's design connects domestic and international fiat payment systems with prominent blockchain networks, allowing for seamless transitions between fiat and stablecoins, thereby empowering businesses to navigate the global market and cryptocurrency realm efficiently, managing deposits, withdrawals, settlements, and conversions while adhering to regulatory requirements. This comprehensive approach positions Ivy as a vital resource for modern businesses striving to thrive in an ever-evolving financial environment, highlighting its commitment to adaptability and innovation in financial solutions.

Payment Rails serves as a comprehensive solution for automating mass payments on a global scale. It provides complete assistance for your accounts payable operations, which encompasses custom-branded collection of banking and tax information from suppliers and partners. Furthermore, their user-friendly API dashboard facilitates the transfer of payments in various currencies to recipients across over 200 nations, supported by a structured approval workflow and preparation of necessary tax documentation such as 1099 and 1042 forms. This streamlined approach not only enhances efficiency but also ensures compliance with international payment regulations.

Discover a future-ready payment infrastructure with Finzly's renowned payment core. Seamlessly connect multiple payment channels through a single API on a centralized hub, offering a tailored payment experience that addresses your customers' diverse needs. Break free from the constraints of legacy core systems and swiftly implement cutting-edge financial solutions with exceptional agility. Whether it involves initiating FedNow and RTP, modernizing ACH and wire transfers, or centralizing your processing capabilities, our payment hub is fully equipped to manage all these tasks. Build a modern and highly adaptable treasury experience that aligns with the requirements of the digital economy. Elevate your banking services by leveraging Banking as a Service (BaaS) through Finzly's comprehensive APIs. With Finzly’s award-winning operating system, your financial institution can spearhead innovation and stay ahead in a competitive landscape. FinzlyOS is designed on a user-friendly, app-based platform, allowing you to introduce new financial products as effortlessly as downloading an app on your smartphone. By integrating on-demand features, you can not only retain your current customers but also attract new ones to your offerings. This smooth integration creates a more vibrant and agile banking environment, which is crucial in today’s rapidly changing financial ecosystem. Embrace the future of payments and transform the way your institution operates with Finzly’s advanced solutions.

The Unified Payments Interface (UPI) is an innovative real-time payment system developed by the National Payments Corporation of India (NPCI) that facilitates instant and seamless fund transfers between bank accounts via mobile devices. Launched in 2016, UPI has significantly reshaped the digital payments environment in India, enabling users to easily send and receive money, pay bills, and make purchases directly from their smartphones without the need for traditional banking methods or credit card details. Utilizing a Virtual Payment Address (VPA), UPI simplifies transactions and eliminates the requirement to share sensitive banking data. Its strong security framework, along with the ability to link multiple banks through a unified platform, allows for features such as QR code payments, scheduled transactions, and peer-to-peer money transfer requests. The widespread adoption of UPI has been instrumental in propelling India towards a more cashless economy, providing enhanced convenience and accessibility for millions of users nationwide. Moreover, UPI not only streamlines financial interactions but also fosters greater financial inclusion and stimulates innovation within the realm of digital payments, ultimately contributing to a more advanced economic landscape.

Major banks and business service providers deliver automated solutions that improve receivables, enhance cash flow, and increase customer satisfaction. Transactis, a leader in electronic billing and payment technologies, is transforming the way companies manage their billing and payment processes. Our solutions optimize the receivables cycle, leading to quicker payment times and improved customer engagement. By pioneering innovative, reliable, and secure digital solutions, Transactis is reshaping traditional billing methods. Our advanced technology not only simplifies receivables management but is also readily available through banks and service providers that serve millions of businesses. We offer a broad array of features tailored to the unique requirements of your organization. In addition, our powerful reporting tools and data matching capabilities enable swift reconciliation. Our solutions are crafted to integrate seamlessly with various accounting systems, ensuring your data flows effortlessly. To further enhance the experience for both enterprises and their clients, we provide an intuitive portal that simplifies bill presentation and payment processing. Ultimately, our commitment to excellence ensures that businesses can operate more efficiently while fostering stronger relationships with their customers.

LINK provides a Web3 payment infrastructure designed for cross-border transactions, enabling real-time settlements alongside traditional payment systems and local disbursements. To facilitate this, we've developed a custodial Treasury B2B dashboard that empowers online businesses to effectively track, manage, and distribute their funds. Our white-label API solution is currently being deployed in Nigeria and across Africa, expanding our reach in the region. By collaborating with Nigerian banks, we ensure instant payouts while minimizing settlement risks. Any online business has the opportunity to partner with us, tapping into a vast network of crypto users and the extensive market of over 1.2 billion Africans. Additionally, we maintain ongoing relationships with various fintech platforms, both established and emerging, which enhances our ability to engage with local markets and their respective currencies. As we grow, we remain committed to providing innovative solutions that cater to the evolving needs of our partners.

PayToMe.co is an innovative fintech platform that leverages artificial intelligence to streamline and simplify international payments and cross-border transactions. By utilizing AI technology, PayToMe offers forward-thinking financial solutions aimed at improving payment operation efficiency. The platform features an extensive array of services, such as Payment-as-a-Service (PaaS), Banking-as-a-Service (BaaS), and Software-as-a-Service (SaaS). The mission of the company is to make global financial transactions more accessible across a variety of sectors, including e-commerce, retail, and healthcare. Partnering with well-known fintech leaders like Plaid and Stripe, PayToMe enhances its offerings, which include secure payment gateways, management of accounts payable and receivable, alongside thorough expense tracking tools. The company also places a strong emphasis on automation, stringent security protocols, and fraud prevention measures, making it an ideal choice for businesses looking to optimize their payment and compliance processes. Furthermore, this award-winning marketplace distinguishes itself by providing secure, customizable payment solutions tailored to meet the specific requirements of businesses around the globe, fostering a seamless financial experience. In this way, PayToMe.co not only prioritizes innovation but also strives to remain at the forefront of the fintech industry.

We are transforming how bills are presented and paid. Our clients include a wide array of entities, from local municipalities to major corporations, and we collaborate with businesses of all sizes across different industries to improve customer engagement, offer electronic billing solutions, and streamline payment collection. Our comprehensive platform is not only vast but also highly adaptable to meet diverse needs. Every day, we focus on innovation, introducing cutting-edge solutions like patented technologies for payments via call centers and chat, distinctive text-to-pay and mobile payment options, as well as advanced digital disbursements. We deliver state-of-the-art features aimed at accelerating revenue flow, optimizing payment workflows, and enhancing the overall customer experience. With IPN, users can easily manage and pay their bills using platforms such as Amazon Alexa, the PayPal app, at major retailers like Walmart, and through the online banking services provided by various financial institutions. By simplifying your billing and payment operations, you can unlock new efficiencies that will propel your success. As we pave the way for the future of bill payments, we are committed to leading this exciting transformation. Embrace this change today to stay ahead in a rapidly evolving marketplace.

Token.io is the infrastructure layer powering a seismic shift in Europe's payment landscape. Ranked by independent analysts among the top two global providers of A2A payment infrastructure, Token.io distinguishes itself through extensive connectivity and exemplary partner support, making it a leader in open banking and A2A payment services. Token.io provides banks, fintech companies, platforms, and payment processors with unrivalled Pay by Bank solutions that boost profits, lower operational costs, and optimise processes. Best-in-class connectivity to over 90% of bank accounts in 21 markets ensures end merchants can reach more payers in more markets, while real-time settlement improves cashflow. Token.io serves as a trusted partner to three of the five largest European financial institutions and is relied upon by renowned payment industry brands such as Mastercard, ACI Worldwide, Global Payments, Nuvei, and Paysafe.

UbexPay enables online payments and facilitates the sending and receiving of funds effortlessly. As the premier cash management solution in Algeria, it caters to merchants and freelancers by enhancing e-Payment and e-commerce experiences. This platform can also be integrated as a payment option across various websites and applications through API or direct installation methods. With UbexPay, users can securely manage their finances thanks to robust global security measures. Payments can be received from anywhere in the world almost instantaneously, and transactions can be completed online or in physical stores using QR codes and NFC technology. Accessible on both web and mobile platforms such as Android and iOS, UbexPay embraces cryptocurrency and blockchain innovations, offering features like KYC processes and online ID verification via SMS. Furthermore, UbexPay has garnered recognition by winning the first prize at the Oran Disrupt event, as well as the "LABEL Startup" accolade from Algeria's Ministry of Microenterprise, Start-up, and Economy of Knowledge, highlighting its commitment to excellence in the financial technology sector.

We develop payment solutions tailored for small and medium-sized businesses, enabling them to concentrate on their core operations. If you initiate a payment before 2pm ET, we will promptly start the direct debit process. After that, you can expect your bank to release the funds, which typically takes about one business day. Once the funds are received, the payment will be delivered to the recipient by 9pm ET on the same day. The entire duration of this process, including the wait time at your bank, is generally only 1-2 business days. This streamlined approach is designed to be both efficient and user-friendly. If you maintain funds in your Remitr Ledger, any payments made before 2pm ET will also be credited to your recipient by 9pm ET on the same day. Additionally, many international transactions can be processed through the Remitr platform for a nominal fee starting at just $5. Simply start the payment, and we will handle everything else for you. This eliminates the need for writing cheques, avoids payment delays, and removes the hassle of visiting banks. Keep reading to discover how the most popular methods for funding international payments operate. In doing so, you will gain valuable insights into optimizing your payment strategies.

Aritma is a cutting-edge fintech platform aimed at simplifying complex financial tasks by linking banks, ERP systems, and payment service providers through flexible APIs and ready-made solutions that improve corporate finance operations, reduce manual labor, and increase accuracy. Functioning as a central API hub, its Open Finance Platform effortlessly merges banking data, accounting software, and commerce/payment gateways, enabling secure, real-time access to transaction information, account balances, receivables, and payment initiation all through a single, intuitive interface with extensive connectivity to over 250 banks and top ERP systems in the Nordic region. Among its various features, Aritma Control delivers real-time automated reconciliation, guaranteeing that bank transactions match ledger entries, pinpointing discrepancies, accelerating month-end closings, and supporting multi-company operations; concurrently, Aritma Pay specializes in optimizing payment processing across different accounts and banks while accommodating modern financial formats such as ISO 20022. This all-encompassing suite not only enhances operational efficiency but also allows businesses to oversee their financial activities with improved accuracy and reduced effort. By harnessing innovative technology, Aritma seeks to revolutionize the financial landscape for companies operating in an ever-changing market, ultimately fostering a more streamlined approach to financial management. Companies that adopt Aritma stand to benefit significantly from its comprehensive solutions tailored to meet the demands of contemporary financial environments.

Revolutionize your payment systems, treasury management, accounts payable, receivable, and banking operations by shifting to digital solutions. Bottomline Payments and Cash Management offers adaptable modules that enable companies to handle thousands of transactions every day while tailoring features to meet their unique operational and technological needs. The Bottomline Payments and Cash Management (PCM) platform provides organizations with the tools necessary to automate and manage the entire lifecycle of payments across their operations, effortlessly linking with various banks, accounts, payment platforms, networks, office locations, and backend systems through a single, bank-independent SaaS model. With PCM, businesses can initiate and oversee a wide range of global B2B and B2C payment types, encompassing treasury functions, accounts payable, rebates, payroll, claims, dividends, collections, tax payments, child support, and more, utilizing various payment methods including checks, ACH, and wire transfers. This all-encompassing strategy streamlines the intricacies of payment management, guaranteeing that all transactions are handled efficiently and accurately, while also providing valuable insights for better financial decision-making. Ultimately, PCM empowers organizations to enhance their cash flow management and operational agility in an increasingly digital world.

Locating a payment processor that meets your specific business needs can be quite a daunting task. However, REPAY stands out as the ultimate solution for all your payment service requirements! We offer a diverse array of services, including omni-channel payment processing for both incoming and outgoing transactions, efficient messaging management, and robust security measures. This ensures that you get a comprehensive management of the payment lifecycle, catering to payments whenever and wherever you need, all tailored to your unique specifications. With our platform, you can effortlessly accept payments through multiple channels, resulting in smoother transactions and increased customer satisfaction. Furthermore, we help you modernize your vendor payment processes, significantly reducing your dependence on paper checks and decreasing transaction expenses. Our system also enables faster access to funds by allowing for direct disbursement to customer debit and prepaid cards. In addition, our adaptable messaging features ensure you maintain consistent engagement with your customers across various platforms. By partnering with REPAY, you are not merely choosing a payment processor; you are investing in a comprehensive payment ecosystem that is specifically designed to optimize and elevate your business operations for the future. This commitment to innovation and efficiency positions REPAY as an essential ally in the competitive landscape of payment solutions.

Modern Treasury provides a comprehensive payment operations platform that includes flexible APIs designed to make the integration of financial transactions and monitoring into your services much easier and less laborious. Money movement is a multifaceted process that involves more than just transferring funds; our APIs facilitate extensive financial transfers, covering bank connections, payments, and reconciliation, while our web application offers thorough visibility of fund flows, equipped with approval workflows, alerts, and in-depth reporting features. By connecting directly with your bank and avoiding being a middleman in the funds flow, we ensure that payments are processed at double the speed. Users can implement approval processes and track payments from their inception right through to reconciliation, with access to ACH, RTP, Wire, and international payment options all available via a single API and web interface. Furthermore, we support automatic reconciliation of completed payments with your bank's statement transactions as they occur, aligning returns and reversals with their respective payments, which significantly boosts the efficiency of cash reconciliation. This streamlined integration not only simplifies the payment processing landscape but also allows businesses to concentrate on expanding their operations while we manage the intricacies of payment transactions. By taking care of these complexities, we enable our clients to allocate more resources toward strategic initiatives and growth opportunities.

Split’s groundbreaking technology reshapes electronic banking transfers, addressing various needs including direct debit solutions and payout functionalities. As a Payments Technology company, Split Payments has transformed Direct Entry banking to offer truly digital solutions for direct debit, credit, and subscription transactions. In today’s digital era, traditional bank transfer methods have struggled to keep pace with the developments seen in cards and digital wallets, yet Split has altered that perspective. They provide a fast and budget-friendly payment solution that combines the security and reliability of bank transfers with the convenience commonly associated with card payments. Additionally, Split’s remarkable integration capabilities with both conventional banking systems and emerging Real-Time Payment Schemes allow for expedited money transfers while ensuring top-notch financial security. This innovative approach not only improves transaction speed but also guarantees the most economical and secure bank transfer options available in the market today. Ultimately, Split is redefining the way we perceive and engage with bank transfers in a rapidly evolving financial landscape, setting a benchmark for future advancements. Their commitment to innovation is paving the way for a more efficient and accessible banking experience for all users.

NomuPay delivers an all-encompassing payments platform that facilitates local omnichannel payment acceptance and payout distributions across Southeast Asia, Europe, and Turkey through a single integration point. This integrated approach allows businesses to expand effectively by incorporating popular alternative payment methods, providing immediate payouts, and maintaining compliant, comprehensive management of marketplace funds. The platform features a versatile technology framework capable of addressing various payment scenarios, acting as a consolidated gateway that enhances both acceptance and disbursement capabilities while offering a unified balance for sophisticated funds management. With its modern REST APIs, NomuPay ensures seamless integration, enabling businesses to showcase preferred local payment options and extend their market reach across different regions and customer demographics. By optimizing payment processes, NomuPay empowers organizations to adjust and flourish in the face of ongoing fragmentation within fast-growing markets, helping them stay competitive in an ever-changing financial environment. Additionally, this cutting-edge solution not only positions businesses to capitalize on emerging trends and consumer preferences but also contributes significantly to their overall operational efficiency and agility in adapting to market changes. As a result, companies leveraging NomuPay can confidently navigate the complexities of the evolving payment ecosystem.

Marco delivers a contemporary solution for trade buyers and sellers, offering a more effective alternative to traditional trade financing approaches. By streamlining flexible trade financing, it empowers you to select your payment terms with ease. You can receive payments instantly while also providing your buyers the necessary flexibility. This capability enhances your sales opportunities by enabling deferred payment options for your customers. Additionally, it supports your growth strategy by utilizing deferred payment solutions from both local and international suppliers. This method not only improves your cash flow but also offers advantages to your suppliers. You can secure net terms to free up working capital without affecting your current line of credit. By offering flexible payment choices to buyers, you can substantially boost their purchasing capacity. Do not let your business be limited by the sluggish and traditional bank financing processes. Marco understands the rapid pace of your operations and empowers you to effectively oversee your financial resources. With the ability to access funds as needed and to expand your credit line in response to your business's evolution, you will ensure ongoing growth and adaptability in an ever-changing market. Ultimately, embracing such innovative financing solutions can position your business for long-term success.

TrustLinq is a Swiss-regulated platform designed to facilitate seamless crypto-to-fiat transactions, allowing users to leverage their cryptocurrencies for local fiat payments in more than 70 currencies, and enabling these payments to be made via bank transfer to any recipient, regardless of the recipient's acceptance of crypto or whether the sender holds a bank account. The platform supports stablecoins such as USDT, USDC, and EURC, converting them into fiat currency through trustworthy systems like SWIFT, SEPA, Faster Payments, and ACH, ensuring that most business transactions are executed promptly and can be easily tracked through an intuitive dashboard. Operating under a self-custodial framework, TrustLinq guarantees that users maintain control over their wallets while complying with rigorous Swiss regulations regarding anti-money laundering and data privacy. This innovative service allows individuals to manage everyday expenses, including rent, tuition, travel, and various services by using their cryptocurrency assets directly. Moreover, businesses can streamline their financial operations by settling invoices for suppliers, handling payroll, and covering operational costs without the complexities typically associated with traditional banking conversion processes. In this way, TrustLinq not only simplifies transactions but also enhances financial management for both individuals and enterprises.

Enhance your customer experience by integrating financial services with Treezor's white-label solution, a leader in the European banking-as-a-service sector. Treezor is committed to guiding you through every stage of your payment project, providing unwavering support along the way. Our comprehensive suite of financial services meets the diverse needs of your project, while our modular all-in-one solution enables businesses of varying sizes, including fintechs and large enterprises, to accelerate their banking initiatives by delegating multiple payment functions to us. Rely on Treezor’s proficiency in regulatory compliance, security, and advanced technology for a smooth integration of payment solutions into your customer experience. As a vibrant and forward-thinking hub, Treezor nurtures the advancement of leading European fintechs, driving the evolution of payment systems. It has established itself as the preferred platform for innovative companies, startups, fintechs, neobanks, and more. By utilizing a single contract and one API for easy integration, you unlock access to a wide range of services and endless possibilities to refine your business strategies. Thus, Treezor emerges not merely as a service provider, but as an essential ally on your path to achieving enhanced financial innovation, making it an indispensable part of your business growth. With such capabilities, your organization can stay ahead in a rapidly changing financial landscape.

An effective and robust technology framework is crucial for the proficient management of financial data and streamlining workflows like reconciliation, commission calculations, payment creation, and reporting, enabling businesses to control their financial activities comprehensively. By embracing contemporary solutions, organizations can enhance the accuracy, efficiency, and speed of their financial processes significantly. Automate your fee calculation systems fully while ensuring compliance with payment service level agreements (SLAs) with outside partners. Achieve seamless integration with payment providers to facilitate timely fund transfers to suppliers and vendors. Expedite your launch using a tested financial operations technology stack that aligns with your goals. Steer clear of the common mistakes associated with developing technology infrastructures that divert attention from your core business mission. Rather than reinventing the wheel, elevate your financial operations technology stack with adaptability and responsiveness. Effortlessly expand your product range into new business domains, markets, and initiatives you are planning to launch. Your technology must adhere to strict standards, being compliant with PCI DSS v3.2.1 and certified under ISO/IEC 27001:2013. Additionally, it should undergo routine vulnerability assessments and penetration tests to mitigate any potential risks effectively. By adopting this thorough approach, your financial operations will not only be secure but also well-positioned for future expansion and innovation, paving the way for sustained success. In doing so, you will foster a culture of continuous improvement that drives your organization forward in a competitive landscape.

Continia Banking improves the safety and efficiency of payment and reconciliation tasks in Microsoft Dynamics 365 Business Central by automating the entire payment workflow. This innovative solution establishes direct and secure links with banking institutions, allowing for seamless transmission of payment and direct-debit files, as well as the import of bank statements and the acquisition of real-time updates on transaction statuses and exchange rates. To reduce the likelihood of mistakes, it features integrated validation checks and enhanced CSV import templates. The reconciliation journal for payments and bank accounts employs advanced search parameters to guarantee accurate reconciliations, achieving match rates as high as 95%. Additionally, the system offers flexible payment exports, with streamlined processes for grouping multiple entries and detailed flows for line-by-line oversight, including options for transaction ID-based reconciliations, customizable templates for payment suggestions, and automatic population of IBAN-related banking information. Comprehensive approval mechanisms provide for both individual line item and batch approvals, incorporating rules based on monetary thresholds, field limitations, and mandatory verification of bank account details, thus ensuring heightened security and operational efficiency throughout the payment lifecycle. By integrating these robust features, the system not only streamlines financial operations but also plays a crucial role in minimizing the risk associated with payment processing errors, ultimately fostering greater trust in financial transactions.

Our mission is to support businesses in developing digital finance solutions that are easy to use, groundbreaking, and accessible, all while keeping expenses low and eradicating fraud. Stitch equips fintech firms and embedded businesses across Africa to effectively onboard users and enable seamless bank-to-bank transactions. Make the payment experience easier for your clients with a streamlined one-click checkout feature, which alleviates the stress of high card fees. Improve the onboarding journey for customers and suppliers alike, facilitating smooth transactions within your marketplace or platform. By leveraging Stitch, payment service providers and aggregators can empower their merchants to offer instant, fraud-resistant pay-by-bank checkout options at a much-reduced cost compared to conventional card payments. In addition, simplify the payout process for both customers and suppliers by utilizing the same account linking, ensuring that sending payments is as easy as receiving them. This holistic strategy guarantees that every transaction is not only proficient but also secure and economical, fostering trust and reliability in the digital finance ecosystem. Ultimately, our commitment is to enhance financial inclusivity and innovation across the continent.