payment-orchestration
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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.