payment-orchestration
(22)
Juan Pablo Ortega and the Trouble With a Simple Payment
He learned the cost of fragmented payments while taking Rappi across nine countries. Now the pilot-turned-founder is trying to give global commerce one control panel - and teaching the software to fly more of the route itself.
Comviva makes the money move. Other brands get the credit.
From a failed flower order to a mobile wallet in Oman, Comviva works behind the brands people recognize. Its business is making payments, telecom services and customer systems work together.
BKN301 wants to fix banking without gutting the bank
The fintech that began in San Marino is selling banks a way to connect their old systems, put their data in order and bring AI inside. Its expansion runs through an unusually practical asset: other people’s infrastructure.
Wink Wanted to Kill the Password. Then It Found the Payment Rails.
Wink began with a clever premise: any ordinary camera could become a checkout credential. Its 2025 merger with Phoenix Managed Networks turned that identity layer into a payments business with real rails, real distribution and a much harder question about trust.
The quiet payment switch behind Latin America's loudest transactions
Banks see cards, wallets and ATMs. CLAI sees the brittle wiring between them - and has spent 35 years turning that wiring into a configurable payment operating system.
FreedomPay Built for the Moment Your Payment System Breaks
The Philadelphia fintech began with mobile payments, survived on cashless accounts, and became the independent plumbing behind hotels, stadiums and stores. Its cleverest choice was assuming the network would fail.
Eco Built the Wallet. Then It Found the Real Business Hiding Underneath
After raising roughly $95 million for a consumer money app, Eco discovered that the wallet was not the hardest part. Its new bet is the plumbing that lets stablecoins cross chains without making users think about bridges, gas or stranded transactions.
Alacriti Spent 23 Years Making the Most Boring Part of Banking Move in Seconds
Banks want instant money movement, but their plumbing was built for batches, paper and business hours. Alacriti’s bet is that one cloud hub can connect the old rails to the new ones - without ripping out the core.
The Australian Who Built a British Card-Killer - Then Sold It Back to Australia
Banked spent eight years trying to build a payments network cheaper than cards. In May 2026 National Australia Bank bought the whole thing - and pointed it at home.
The Company Teaching Global Money to Speak 17 Local Languages
A single API, 17 Latin American countries, and 640-plus ways to move money. How a Buenos Aires payments company became the plumbing under global commerce - then got bought by an ad-tech giant.
The checkout has 1,000 doors. Zota wants one key.
Cards are only one dialect in global commerce. Zota built a payment gateway for the hundreds of local wallets, bank transfers, QR systems and currencies that decide whether an international checkout succeeds.
Vernost Is Building the Plumbing Behind Your Points, Trips and Payments
Most loyalty points live in a cul-de-sac. Vernost wants to turn them into a network - connecting rewards, bookings and checkout for the enterprises that serve millions of customers.
FastSpring Sells the Software So Its Makers Don’t Have To
A checkout is the visible inch of a global sale. FastSpring takes responsibility for the tax filings, payment routes, subscription logic and buyer support underneath it - becoming the seller on paper so digital companies can keep building.
Fikäfi
Fikäfi is a Singapore-registered payments company built for hotels. It sits between a hotel's booking system and its bank, sending time-bound payment links over email, SMS or WhatsApp, capturing cards before arrival, automating reminders, settling funds by SWIFT, and pushing wallet credit back to guests so they rebook direct instead of through an OTA. Card processing starts at 1.95% with no setup fee or monthly minimum. Co-founded by hospitality-technology veteran Andre Privateer alongside Imran Saeed, the company argues that the industry's real leak is not the guest who cancels but the booking that quietly dies at the payment step - what it calls the "shadow guest." In March 2026 the PMS vendor Elektraweb embedded Fikäfi's payment orchestration layer across a platform serving thousands of hotels.
NomuPay
NomuPay is a Dublin-headquartered payments company that gives enterprises a single API and unified platform to accept payments, disburse payouts and manage money across fragmented markets in Asia, Europe and the Middle East. Built partly from licences and assets of the collapsed German fintech Wirecard, its uP (Unified Payments) platform bundles local acquiring, more than 200 alternative payment methods and real-time payouts so global merchants can expand into hard-to-reach markets without wiring up a new integration for each country. It serves 2,000+ merchants and, after a June 2025 Series C from SoftBank's SB Payment Service, is valued at $290M.
Triple-A
Triple-A is a Singapore-based, globally licensed payments institution that lets businesses accept and send money in stablecoins and local currencies without ever holding, converting, or managing crypto themselves. Founded by serial fintech entrepreneur Eric Barbier, it settles merchant payments in fiat (USD, EUR, and 30+ local currencies) with next-day bank settlement, handling custody, conversion, and compliance behind the scenes. It became the first digital-currency payment company licensed by the Monetary Authority of Singapore and serves merchants including Farfetch, Razer, Charles & Keith, Grab, and the Singapore Red Cross.
Accrue
Accrue is a New York fintech that powers modern customer loyalty at the payment layer. Its brandable, stored-value digital wallet lets merchants take control of their payments and refunds, reward repeat customers, and reduce reliance on traditional card networks. Founded in 2021 by Michael Hershfield as a 'save now, buy later' alternative to BNPL, the company has expanded into a full-stack wallet, reward engine, pay-by-bank payments and closed-loop refunds used to lift order value and shopper frequency.
ConnexPay
ConnexPay is a Plano, Texas payments-technology company that unifies the two traditionally separate halves of the payment process - accepting customer payments (PayIns) and issuing supplier payments via virtual cards (PayOuts) - into one platform, one contract and one reconciliation. Founded in 2017 by former U.S. Bank payments executive Bob Kaufman, it lets travel agencies, marketplaces, insurers and other 'high-risk' merchants use incoming card revenue to instantly fund outbound supplier payments, removing the need for pre-funded accounts and reducing risk while capturing card rebates.
Formance
Formance is an open-source financial infrastructure company that gives developers a programmable core ledger and a connectivity layer for moving money across banks, payment processors, and wallets. Its stack - Ledger, Connectivity, Flows, and Reconciliation - lets fintechs and platforms track every asset movement with double-entry precision, orchestrate payments across providers, and automatically reconcile internal records against external statements. Founded in 2021 and backed by PayPal Ventures and Portage, Formance positions itself as building-block infrastructure for the 'financial internet' rather than a payment processor that touches customer funds.
Sticky.io
Sticky.io is a San Francisco-based revenue optimization platform for high-volume subscription and ecommerce brands. Built on an intelligent payments engine, it pairs a headless CRM, a conversion-focused checkout and funnel builder, AI-driven payment recovery, and orchestration across 160+ gateways. The platform supports roughly 72 million subscriptions and processes more than $12 billion in transactions annually, helping merchants reduce silent churn and recoup failed payments.
Cybersource
Cybersource is a global payment management platform owned by Visa, helping merchants accept, secure, and optimize digital transactions in 190+ countries. Founded in 1994 and acquired by Visa in 2010 for ~$2B, it powers payment gateway, tokenization, fraud management (Decision Manager) and orchestration services for hundreds of thousands of businesses worldwide.
Brian Bogosian
Brian Bogosian is President, CEO, and Chairman of Sticky.io, a San Francisco-based headless CRM and subscription payments platform that processes over $12 billion annually and powers 72 million+ subscriptions. A veteran technology executive, he previously led Good Technology (formerly Visto) as Chairman, President & CEO for a decade, growing it to become the industry's first mobile enterprise unicorn valued at $1.25 billion with 500+ employees in 10 countries. He founded Salt Technology and acquired LimeLight CRM - which he rebranded as Sticky.io in 2020 - to build a comprehensive payment orchestration and ecommerce retention platform backed by $90 million in debt financing from Goldman Sachs Asset Management and others.