Many fintechs leverage products and APIs from Plaid to https://www.citybiz.co/article/785736/the-real-value-of-accounting-services-for-startups/ link consumer banking accounts to their financial services and products. We focused on the consumer finance industry, and Salient’s technology serves loan servicing operations. The company now supports auto lending businesses and plans to add mortgages and credit cards. Their platform manages payments, due date changes, extensions and customer questions. YayPay, part of Quadient, is an accounts receivable automation platform focused on improving collections efficiency and giving finance teams better cash flow visibility. It combines invoicing support, collections workflow automation, cash application capabilities, and analytics into a single AR operations layer.

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Mbanq provides global BaaS coverage spanning card issuing, lending, core banking, and compliance-as-a-service. It supports a range of geographies and program types, which helps brands expand into emerging markets. The platform includes operational tooling for KYC, AML, and dispute management to keep teams efficient. By bundling core capabilities under one roof, Mbanq aims to reduce vendor sprawl and integration risk.

Card payments

Plaid places strong emphasis on reliability, security, and user consent, which is critical at scale. Its products support both onboarding and ongoing financial data access, reducing friction across the customer lifecycle. Plaid is often the default choice when bank connectivity is foundational to a product. Checkout.com is best known for card acquiring, but it also offers global payout and disbursement capabilities.

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Pre-COVID it was already growing rapidly, and KPMG’s report found that the pandemic-driven lockdowns led to a much greater rate of adoption of digital finance by consumers than seen previously. Most product categories have benefited from the demand, including payment providers such as PayPal and Square that saw a major uptick in users. Fast forward to today and there is clear evidence of continued growth in the fintech sector. The Brex card management system provides real-time expense tracking and automated expense reviews, allowing businesses to monitor expenditures and card limits by team, individual, or subsidiary. Brex also automates document collection to ensure supporting documentation is available for each transaction. Stampli Card offers up to 1% cashback on all card purchases, including vendor payments, offering a great way to turn your accounts payables into a profit center.

• Implementing a new spend management system can be complex, so it’s crucial to have access to reliable support and training resources.
• Plus, the IO Mastercard boasts no interest or annual fees, no FX fees on international usage, and integrations with popular accounting and bookkeeping platforms.
• For example, the company’s suite of tools for retailers can help with managing inventory and syncing in-store and online operations.
• Going out to dinner with a friend and don’t want to split the bill with credit cards or cash?
• Airbase partners with Marqeta to enable its customers to issue vendor-specific virtual cards.
• Its permissioning model supports role-based access, transaction batching, and policy-driven approvals that mirror corporate controls in a blockchain environment.

Banking-as-a-Service & Embedded Banking APIs

Mercury is a fintech company that offers business banking services primarily to startups, tech companies, and high-growth businesses. Mercury offers several startup-focused products, such as checking and savings accounts, Mercury Treasury, corporate credit cards, working capital, and venture debt funding options. Divvy offers spend management software with built-in budgeting and card issuance, aimed at simplifying cost control for small and mid-sized businesses.

Salient pricing

▪️Supports vendor payments in 200+ countries and 145+ currencies via ACH, wire, or card. General user reviews of Brex highlight its user-friendly interface and robust financial tools, but some users have noted issues with integration and manual entry requirements. General user reviews of Ramp highlight its ease of use and efficiency, but some users have noted issues with card functionality and missing features. The material may include projections or other forward-looking statements regarding future events, targets or expectations. There is no guarantee that any opinions, forecasts, projections, risk assumptions, or commentary discussed herein will be realized. Actual experience may not reflect all of these opinions, forecasts, projections, risk assumptions, or commentary.

• Early Growth Financial Services (EGFS) has built trust as a strategic collaborator for domestic and international ventures that need financial clarity.
• Using the app, users can send money transfers quickly and easily with a few taps on their mobile devices.
• Picking the right accounting firm is a vital decision that drives startup success.
• It provides developers with tools that help make accessible experiences for users to connect financial institutions to different apps they use.
• This helps businesses prevent overspending, understand their true costs, and gain full visibility of company and employee spending.
• Both virtual and physical cards are available for one-time or recurring payments.

Industry Focus: Fintech

Tink is a European open banking platform providing APIs for account aggregation, payment initiation, and financial insights. It connects to thousands of banks across Europe under PSD2, allowing businesses to access user-permissioned account data in a secure and standardised way. Tink supports use cases such as personal finance management, affordability checks, account verification, and open banking payments. Its enrichment and categorisation tools help transform raw transaction data into actionable insights for end users and The Real Value of Accounting Services for Startups internal teams.