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The Internet Compass

Category

Payments & Fintech

Payments is a margin business disguised as a software business. Processing rates converge; the durable differences are authorisation rates, coverage in the markets you actually sell into, and how much reconciliation work lands on your finance team.

Tools tracked
3
Companies
3
Avg rating
4.6
Market size
$142B

+15.3% YoY

Buyer's note

A 0.3% authorisation-rate difference outweighs a 0.1% pricing difference at almost any volume. Ask for market-specific auth rates before negotiating fees.

Evaluation

What we score tools on

Authorisation ratesMarket coverageDeveloper experienceReconciliation toolingCompliance and riskEffective total rate

Directory

Payments & Fintech software

3 tools, ranked by rating.

Ramp

Corporate cards and spend management with automated policy enforcement.

4.7(3,100)$0 for the core platform

Stripe Payments

Developer-first payment processing with global coverage and a deep product surface.

4.6(11,800)2.9% + 30¢ per transaction

Adyen

Single-platform global payments with unusually high authorisation rates at scale.

4.4(1,900)Interchange++ plus processing fee

Companies

Companies in Payments & Fintech

Stripe

Payments infrastructure for internet businesses, from startups to global enterprises.

Ramp

Corporate cards and spend management built around reducing expenditure rather than rewarding it.

Shopify

Commerce platform powering online storefronts, payments and fulfilment for merchants.

Related

You might also look at

AdyenRampStripe PaymentsRampStripeShopify

FAQ

Common questions

What's the best payments & fintech software?

Ramp is rated highest in this category — 4.7/5 from 3,100 reviews.

How many payments & fintech tools are there?

3 tracked here, from 3 companies, averaging 4.6/5.

Is there free payments & fintech software?

Yes — 1 of the 3 tools tracked here have a free tier.