Lightspeed is a popular choice for small businesses due to its user-friendly interface and robust features. The POS system allows businesses to easily manage inventory, track sales, and process payments. Lightspeed also offers integrations with popular accounting software, allowing for seamless bookkeeping. One of the standout features of Lightspeed is its built-in payment processing. This eliminates the need for a separate payment processor and simplifies the payment process for businesses. Lightspeed also offers the option to use a third-party payment processor if preferred. In addition to its core POS features, Lightspeed offers a range of add-ons to enhance the functionality of the system. This includes hardware such as barcode scanners and receipt printers, as well as integrations with popular e-commerce platforms. Lightspeed also offers modules for curbside pickup and email marketing, allowing businesses to adapt to changing consumer preferences and market their products effectively. Pricing for Lightspeed varies depending on the specific needs of the business. Lightspeed offers a free tier for businesses with basic needs, as well as paid tiers with additional features and support. The pricing is competitive and affordable for small businesses, making it an attractive option for those looking for a reliable and feature-rich POS system. Overall, Lightspeed is a comprehensive and affordable POS solution for small businesses. Its robust features, user-friendly interface, and range of add-ons make it a popular choice for independent retailers and restaurants. Social Link

Linked2pay is a payment processing and technology platform that offers a range of services to its customers and partners. The platform provides access to the latest payment technology innovations, allowing businesses to stay competitive in the marketplace.Linked2pay offers risk and payment technology solutions, enabling merchants to automate credit card, ACH, and check processing. This automation streamlines payment processes and reduces the risk of errors or fraud. In addition, Linked2pay provides payment integration tools for independent software vendors (ISVs). These tools allow ISVs to seamlessly integrate payment processing capabilities into their software, making it easier for their customers to accept payments. One of Linked2pay’s key offerings is its white label payment solutions platform. This platform is designed for banks, channel partners, and their clients, allowing them to offer their own branded payment processing services. This white label solution is highly customizable and can be tailored to meet the specific needs of each partner. Overall, Linked2pay is a leader in the payment processing industry, providing its customers and partners with the technology and tools they need to succeed in the marketplace. Social Link

Klarna can be best described as a buy now, pay later (BPNL) service that provides customer financing for both online retail and in-store purchases. Available in 31 countries and growing, Klarna has its own marketplace with more than 147 million happy shoppers and a mobile application to complete purchases on the go. Considered to be one of the best overall BNPL apps for merchants, Klarna facilitates integration with several third-party systems such as BigCommerce, Shopify, and more. The payment processing platform of Klarna helps businesses provide a secure checkout experience to customers with several payment methods. It offers multiple financing options including Pay-in-4, pay in 30 days, or 6- to 36-month plans. Overall, Klarna is a good choice for high-revenue businesses, businesses processing international sales, small and growing businesses, and retailers looking for seller protection. One of the best things about Klarna is its seller protection program under which all fraud and credit risk is borne by Klarna when its financing services are utilized by customers. In other words, businesses get paid in full when purchases are made and they are not responsible to collect payments or issue late fees. Klarna Merchant Pricing Monthly service fees: $0 Processing fees: 3.39%–5.99% + 30 cents Application and sign-up: $0 Onboarding fees: $0 Payout schedule: Determined in contract based on needs Risk: 0% APRs: 7.99% to 29.99% Repayment term: Six weeks to 24 months Late fees: $7 to $35 Funding timeline: Instant Compatible payment providers: PeachPay, Gr4vy, Stripe, Adyen, Digital River, Radial, and Cybersource Compatible eCommerce platforms: Adobe Commerce, BigCommerce, Cirkuit Commerce, Episerver, PrestaShop, Salesforce Commerce Cloud, Jibe, Wonderkind, Wix, WooCommerce, SAP, and Shift4Shop. Deployment Options: Cloud, SaaS, Web-based, On-Premise Windows, and On-Premise Linux Klarna support: 24/7 (Live rep), FAQs/Forum, and Knowledge Base Year Founded: Klarna was founded in 2005. CEO: The CEO of Klarna is Sebastian Siemiatkowski. Headquarters: Klarna is headquartered in Stockholm, Sweden. They also have offices in New York City. Why Choose Klarna? Flexible Payment Options: Klarna offers a variety of payment solutions for online storefronts. Their service allows online consumers to pay for items in installments. Interest-Free Payments: Klarna doesn’t charge interest on their Pay in 4 option, and there are no fees when you pay on time. Consumer-Centric Approach: Klarna puts consumer needs at the heart of their business. Safe and Secure: Klarna’s “Buy Now, Pay Later” brought a whole new level of trust and security to the online experience. Global Presence: Klarna is a global financial technology company providing online financial services to over 60 million consumers across 14 countries. Risk Appetite Processing currencies: EUR, GBP, USD Settlement Currencies: EUR, GBP, and USD Features Recurring Payments Solutions Online Payments Accepted Industries E-commerce, Financial Services, Gambling, Gaming, Hospitality, and Travel Social Link

Koalafi’s payment and finance solution is designed to provide flexibility and convenience for both merchants and customers. By offering a variety of pay-over-time plans, Koalafi enables merchants to attract and retain customers who may not have the means to make a full payment upfront. For customers, Koalafi’s platform allows them to make purchases and pay for them over time, making it easier to manage their finances. Whether they have excellent credit or no credit at all, Koalafi offers options that cater to their specific needs. Koalafi’s advanced technology and analytics ensure that the application process is seamless and efficient. Customers can apply for financing through a single application, eliminating the need for multiple applications and credit checks. This not only saves time but also reduces the hassle for customers. In addition to the convenience of the platform, Koalafi also provides world-class support to both merchants and customers. Their team is dedicated to ensuring that all transactions and inquiries are handled promptly and professionally. Overall, Koalafi’s payment and finance solution is revolutionizing the way merchants offer financing options to their customers. With their innovative platform, merchants can expand their customer base and increase sales, while customers can enjoy the flexibility and convenience of pay-over-time plans. Social Link

With Payment Platform by KyckGlobal, businesses can streamline their payment processes by accessing multiple payment methods from a single platform. This eliminates the need for multiple systems and simplifies the reconciliation process KyckGlobal’s platform is designed to integrate with existing payroll systems, making it easy for companies to implement and use. The platform offers a range of features and benefits, including: 1. Multiple payment options: KyckGlobal allows payers to offer their payees a variety of payment methods, including Same Day ACH, Debit, PayPal, Stored Value Card, Cash, and even Bitcoin. This flexibility allows payees to choose the payment method that works best for them. 2. Segmentation and grouping: Payers can segment their payees into different groups based on various criteria, such as location, job type, or payment frequency. This allows payers to remit payments to different groups of payees at different times, streamlining the payment process. 3. Out-of-cycle payments: KyckGlobal enables payees to split and request out-of-cycle payments, providing them with greater flexibility and control over their finances. This feature can be particularly useful for contract workers who may need to be paid for additional work or expenses outside of their regular payment schedule. 4. Document storage: The platform includes a document storage feature, allowing payers to securely store and manage important documents related to their contract workforce. This can include tax forms, contracts, and other relevant documents. 5. Tax form generation: KyckGlobal can generate tax forms, such as 1099s, for payees, simplifying the tax reporting process for both payers and payees. This can save time and reduce the risk of errors when it comes to tax compliance. 6. Payment statements: Payees can access payment statements through the platform, providing them with a clear and transparent view of their payment history. This can help payees track their earnings and ensure they are being paid correctly. Overall, KyckGlobal’s platform offers a comprehensive solution for managing and paying contract workforces. Its flexible payment options, segmentation capabilities, and additional features make it a valuable tool for companies looking to streamline their payment processes and provide a better experience for their contract workers. Social Link

KAPED’s credit cards are designed to provide businesses and entrepreneurs with a range of benefits and features that can help them manage their finances more effectively. These benefits include: 1. High credit limits: KAPED offers credit cards with high credit limits, allowing businesses to access the funds they need to grow and expand their operations. 2. Rewards program: KAPED’s credit cards come with a rewards program that allows businesses to earn points or cashback on their purchases. These rewards can be redeemed for a variety of benefits, such as travel, merchandise, or statement credits. 3. Enhanced security: KAPED’s credit cards are equipped with advanced security features, such as EMV chip technology and tokenization, to protect against fraud and unauthorized use. 4. Expense management tools: KAPED provides businesses with online tools and resources to help them track and manage their expenses more efficiently. This includes features such as real-time spending alerts, transaction categorization, and customizable reporting. 5. Access to financing: KAPED’s credit cards can provide businesses with access to additional financing options, such as lines of credit or cash advances, to help them meet their short-term funding needs. 6. Tech-driven solutions: KAPED leverages technology to provide businesses with innovative solutions, such as mobile payment options and integration with accounting software, to streamline their financial processes. Overall, KAPED’s credit cards are designed to empower businesses and entrepreneurs with the financial tools they need to succeed and thrive in today’s competitive market. Social Link

With Karat Financial, creators can link their accounts and receive a personalized Karat card that offers exclusive rewards and perks tailored to their needs. These rewards can include cashback on purchases, discounts on popular brands, and access to exclusive events and experiences. Creators can easily track their earnings and expenses through the Karat Financial app, which provides detailed insights and analytics on their financial health. They can set savings goals, create budgets, and receive personalized recommendations to help them make smarter financial decisions. One of the key features of Karat Financial is the ability to easily monetize their content. Creators can receive direct payments from their audience through the app, eliminating the need for third-party payment platforms and reducing transaction fees. Additionally, Karat Financial offers a range of financial tools and resources to help creators grow their wealth. This includes investment options, retirement planning, and access to financial advisors who specialize in working with digital creators. Overall, Karat Financial aims to simplify the financial management process for digital creators, allowing them to focus on what they do best – creating content – while also helping them save money and build a secure financial future. Social Link

With k-eCommerce, SMBs can easily create and manage their online stores, streamline their order management processes, and securely process payments. The platform integrates with Microsoft Dynamics and SAP Business One, allowing businesses to leverage their ERP data for automation and efficiency. k-eCommerce offers a complete omnichannel solution, enabling businesses to engage with both B2B and B2C customers. The platform supports multiple sales channels, including online stores, mobile apps, and marketplaces, ensuring that businesses can reach their customers wherever they are. The platform also provides advanced features such as personalized product recommendations, customer segmentation, and targeted marketing campaigns, helping businesses drive sales and increase customer loyalty. k-eCommerce prioritizes security, ensuring that all transactions are encrypted and compliant with industry standards. The platform is also PCI-DSS certified, providing businesses with peace of mind when it comes to handling sensitive customer data. In addition to its eCommerce capabilities, k-eCommerce also offers digital payment solutions, allowing businesses to securely process payments online. The platform supports a wide range of payment methods, including credit cards, digital wallets, and alternative payment options. Overall, k-eCommerce provides SMBs with a comprehensive and user-friendly solution for their eCommerce and digital payment needs. By integrating with ERP systems and offering advanced features, k-eCommerce helps businesses streamline their operations, increase sales, and provide a seamless customer experience. Social Link

With Kerpay, customers can easily create a payment page by providing their Stripe account details and customizing the page with their logo, colors, and payment options. Once the payment page is created, customers can start collecting payments immediately. Kerpay offers a simple and intuitive interface for customers to manage their payments. They can view payment history, track pending payments, and generate reports. Customers can also send payment reminders to their clients and set up recurring payments for subscription-based services. Kerpay ensures the security of transactions by using Stripe’s advanced security features, including encryption and tokenization. This means that sensitive payment information is never stored on Kerpay’s servers, providing customers with peace of mind. In addition to its payment services, Kerpay also provides a range of features to enhance the payment experience. Customers can add custom fields to collect additional information from their clients, such as shipping address or order details. They can also set up discount codes and coupons to incentivize customers to make a purchase. Overall, Kerpay is a convenient and secure payment service that allows businesses to collect payments quickly and easily. With its integration with Stripe, customers can trust that their transactions are processed securely and efficiently. Social Link

With Iorys, financial institutions can benefit from a wide range of features and capabilities. These include: 1. Core Banking System: Iorys provides a comprehensive core banking system that covers all the essential banking functionalities, such as customer management, account management, transaction processing, and reporting. 2. Payment Processing: The platform supports various payment methods, including SEPA, SWIFT, ACH, and card payments. It also enables real-time payments and integrates with third-party payment gateways. 3. Compliance and Risk Management: Iorys incorporates robust compliance and risk management features to ensure regulatory compliance and mitigate risks. It includes anti-money laundering (AML) and know your customer (KYC) modules, transaction monitoring, and risk assessment tools. 4. Multi-Currency Support: The platform supports multiple currencies, allowing financial institutions to offer services in different currencies and facilitate international transactions. 5. Cryptocurrency Integration: Iorys offers modules specifically designed for cryptocurrency exchanges and wallets. It enables seamless integration with popular cryptocurrencies like Bitcoin, Ethereum, and Ripple, allowing financial institutions to offer crypto-related services. 6. Lending and Credit Management: The platform includes modules for loan origination, credit scoring, and loan management. It supports various types of loans, such as personal loans, mortgages, and business loans. 7. Open Banking: Iorys supports open banking initiatives, allowing financial institutions to securely share customer data with third-party providers through APIs. This enables the development of innovative financial products and services. 8. Mobile and Online Banking: The platform provides mobile and online banking capabilities, allowing customers to access their accounts, make transactions, and manage their finances through web and mobile applications. 9. Reporting and Analytics: Iorys offers comprehensive reporting and analytics tools to provide financial institutions with insights into their operations, customer behavior, and performance. This helps in making data-driven decisions and improving business strategies. 10. Scalability and Customization: Iorys is highly scalable and can handle large volumes of transactions. It also offers customization options, allowing financial institutions to tailor the platform according to their specific requirements and branding. Overall, Iorys provides a flexible and comprehensive banking platform that empowers financial institutions to adapt to the evolving needs of the industry and offer innovative financial services to their customers. Social Link

The split account is a digital banking solution that allows couples to easily manage their shared expenses while maintaining separate finances. With the split account, couples can create a joint account where they can deposit money for shared expenses such as rent, groceries, and bills. One of the key features of the split account is the ability to set up automatic expense splitting. Couples can link their individual bank accounts to the split account and set rules for how expenses should be split. For example, they can choose to split expenses equally or based on each person’s income percentage. The split account also provides a clear overview of shared expenses, showing who paid for what and how much each person owes. This eliminates the need for manual calculations and reduces the potential for misunderstandings or disputes. In addition to expense splitting, the split account offers other useful features for couples. It allows for easy money transfers between individual accounts, making it convenient to reimburse each other for personal expenses. It also provides spending insights and budgeting tools to help couples track their shared expenses and manage their finances more effectively. Security and privacy are top priorities for Ivella. The split account uses advanced encryption and security measures to protect users’ financial information. It also ensures that each individual’s personal finances remain private, as only shared expenses are visible to both partners. Ivella’s split account aims to simplify the financial aspect of relationships, making it easier for couples to manage their shared expenses and maintain financial transparency. By providing a dedicated solution for early-stage couples, Ivella is helping them build a strong foundation for their financial future together. Social Link

IVR Technology Group also offers a suite of communication APIs that enable businesses to integrate voice, SMS, and email capabilities into their own applications and systems. These APIs provide businesses with the ability to send and receive messages, make and receive phone calls, and automate various communication processes. In addition to its technology solutions, IVR Technology Group provides professional services to help businesses design, implement, and optimize their customer engagement strategies. This includes consulting services, project management, and ongoing support and maintenance. It serves a wide range of industries, including healthcare, finance, retail, and hospitality. Its solutions are designed to help businesses improve customer satisfaction, increase operational efficiency, and drive revenue growth. Overall, IVR Technology Group is focused on helping businesses create exceptional customer experiences through the use of innovative technology solutions. Social Link