Most payment companies want to replace the plumbing. Viewpost built its second act around the opposite promise: send the same check file, keep the same partners, and let it hunt for digital payments in the stubborn remainder.
Accertify spent years teaching merchants how to spot a bad transaction. Its larger bet is that one connected view of identity, behavior and payments can show them which good customers to stop turning away.
Forter built a business around the split second between clicking Buy and seeing confirmation. Its wager is that a shared map of online identity can stop fraud without making good customers prove themselves over and over.