Laybuy is a Buy Now, Pay Later (BNPL) service that operates in New Zealand and several other countries. BNPL services like Laybuy typically offer various benefits for both consumers and merchants. Here are some common advantages associated with Laybuy: For Consumers: Interest-Free Payments: Laybuy allows users to spread the cost of their purchases over multiple interest-free installments. This can make it easier for consumers to budget and manage their finances. No Upfront Fees: Laybuy usually does not charge consumers upfront fees or interest if payments are made on time. The total cost is divided into equal installments, making it clear and transparent for users. Quick Approval Process: Laybuy often provides quick and easy approval for users, allowing them to use the service for purchases without a lengthy application process. No Credit Checks: Like other BNPL services, Laybuy may not require traditional credit checks for users, making it accessible to a broader range of consumers. User-Friendly Platform: Laybuy typically offers a user-friendly platform, allowing consumers to easily manage their purchases, payments, and account details through the Laybuy app or website. Risk-Free Returns: If a consumer needs to return an item purchased through Laybuy, they can often do so without incurring fees, provided the return aligns with the merchant’s return policy. For Merchants: Increased Sales and Conversion Rates: BNPL services like Laybuy are known to increase sales and conversion rates for merchants. The option to pay in installments can attract more customers and encourage larger purchases. Access to New Customers: Offering Laybuy may attract customers who prefer the flexibility of installment payments and who may not have made a purchase otherwise. Reduced Payment Risk: Laybuy assumes the risk of non-payment, providing merchants with a guaranteed payment even if the customer defaults on subsequent payments. This can be appealing for businesses concerned about the financial risk associated with traditional credit. Easy Integration: Laybuy is typically easy to integrate into a merchant’s existing checkout process, requiring minimal technical effort. Marketing Opportunities: Merchants can use the Laybuy brand and marketing to attract new customers and promote special deals or promotions associated with using BNPL services. It’s important to note that while BNPL services offer benefits, users should carefully review the terms and conditions, and merchants should consider the associated fees and terms of service before integrating such services into their business.   Social Link

Lemonway is a leading pan-European payment institution that specializes in providing secure and modular payment solutions tailored for marketplaces and crowdfunding platforms. Established in 2007, Lemonway has built a reputation for reliability and innovation, serving over 400 marketplaces with its comprehensive suite of services. These services include Pay-In, Pay-Out, and wallet management, all seamlessly integrated through their robust API. By offering a flexible and scalable payment infrastructure, Lemonway enables businesses to manage transactions efficiently and securely, fostering growth and trust within the digital economy. Year Founded: Lemonway was established in 2007, marking the beginning of its journey as a pioneering payment institution. Over the years, it has grown significantly, adapting to the evolving needs of the digital economy. The foundation year signifies over a decade of experience and expertise in providing secure and efficient payment solutions. CEO: Antoine Orsini is the CEO of Lemonway. Under his leadership, the company has flourished, expanding its services and client base. Orsini’s vision and strategic direction have been instrumental in positioning Lemonway as a trusted partner for over 400 marketplaces and crowdfunding platforms. His leadership ensures that the company remains innovative and customer-focused. Headquarters: Lemonway is headquartered in Paris, France, a strategic location that places it at the heart of the European financial and technological hub. Being based in Paris allows Lemonway to stay connected with key markets and regulatory bodies, ensuring compliance and fostering growth. The headquarters also serves as the central point for its operations, innovation, and customer support. Why Choose Lemonway? 1. European Payment Expertise: Lemon way specializes in providing payment solutions within the European market, bringing a deep understanding of regional financial regulations and requirements. 2. Marketplace and FinTech Focus: Tailored for marketplaces and FinTech companies, Lemon way’s solutions are designed to meet the specific needs of businesses operating in these sectors. 3. Payment Processing: Lemonway offers payment processing services, enabling businesses to securely and efficiently handle financial transactions, including e-wallet solutions. 4. Compliance Tools: With a focus on regulatory compliance, Lemon way provides businesses with tools to ensure adherence to financial regulations and industry standards. 5. Secure Transactions: Prioritizing security, Lemon way offers secure payment solutions, safeguarding sensitive financial information and providing peace of mind for businesses and customers. 6. Innovation and Technology: Lemonway is known for its commitment to innovation, utilizing technology to offer cutting-edge payment solutions and stay ahead of industry trends. 7. European Expansion Support: For businesses looking to expand in Europe, Lemonway serves as a strategic partner, offering the expertise needed to navigate the diverse European financial landscape. Social Link

LendInvest offers a range of products and services to its clients. For intermediaries, LendInvest provides bridging loans, development finance, and buy-to-let mortgages. These loans can be used for a variety of purposes, such as purchasing property, refurbishing properties, or financing property development projects. For landlords, LendInvest offers buy-to-let mortgages. These mortgages are designed specifically for landlords who want to purchase or refinance residential investment properties. LendInvest offers competitive rates and flexible terms to meet the needs of landlords. For developers, LendInvest provides development finance. This type of finance is designed to help developers fund the construction or renovation of residential or commercial properties. LendInvest offers flexible terms and quick decision-making to help developers get their projects off the ground. It also offers a range of investment opportunities for investors. Investors can invest in LendInvest’s loan book, which consists of a portfolio of property loans. Investors can choose to invest in individual loans or diversify their investment across multiple loans. LendInvest also offers an Innovative Finance ISA, which allows investors to earn tax-free returns on their investments. Overall, It aims to provide fast, flexible, and transparent lending and investment solutions to its clients. The platform leverages technology to streamline the lending process and provide a seamless experience for borrowers and investors. Social Link

Lendio was founded in 2011 by Brock Blake and Trent Miskin. The platform aims to simplify the loan application process for small business owners by connecting them with multiple lenders through a single application. To use Lendio, business owners need to fill out an online application that asks for basic information about their business, such as revenue, time in business, and credit score. Lendio then matches the business with potential lenders from its network based on the provided information. Lendio’s network includes a wide range of lenders, including traditional banks, online lenders, and alternative financing options. This allows business owners to compare loan offers and choose the one that best fits their needs. The types of loans available through Lendio include term loans, lines of credit, equipment financing, commercial mortgages, and more. The loan amounts can range from a few thousand dollars to several million, depending on the business’s needs and qualifications. Lendio’s platform also provides resources and educational materials to help business owners understand the loan process and improve their chances of getting approved. Additionally, Lendio offers a team of loan specialists who can provide personalized assistance and guidance throughout the application process. Overall, Lendio aims to make the loan application process more accessible and efficient for small business owners, helping them secure the funding they need to grow and succeed. Social Link

By using Libeo, businesses can streamline their invoice management process and reduce the time and effort spent on manual tasks such as data entry and payment processing. The platform integrates with existing accounting software, allowing businesses to easily import and categorize invoices. Libeo also provides a secure and efficient way to pay suppliers. Instead of manually entering bank account details or logging into online banking, businesses can simply select the invoices they want to pay and click a button to initiate the payment. Libeo takes care of the rest, ensuring that payments are made securely and on time. In addition to simplifying the payment process, Libeo also helps businesses improve their cash flow management. The platform allows businesses to easily track and monitor their finances in real-time, providing insights into their cash flow position and helping them make informed decisions about when to pay invoices and when to collect account receivables. Overall, Libeo offers a comprehensive solution for businesses to digitize and automate their invoice management and payment processes. By centralizing and streamlining these tasks, businesses can save time, reduce errors, and improve their financial management. Social Link

LiftBank provides a range of services to meet the needs of entrepreneurs. These services include: 1. Digital Account: LiftBank offers a fully integrated digital account that allows entrepreneurs to manage their finances easily. This includes features such as balance checking, transaction history, and the ability to make payments and transfers. 2. No Hidden Fees: LiftBank is committed to transparency and does not charge any hidden fees. Entrepreneurs can have peace of mind knowing that they will only be charged for the services they use, with no surprises. 3. Easy Integration: LiftBank’s platform is designed to be easily integrated with other systems and tools that entrepreneurs use. This allows for seamless integration of financial data and processes, making it easier for entrepreneurs to manage their businesses. 4. Licensing: LiftBank offers licensing options for entrepreneurs who want to create their own digital bank. This allows entrepreneurs to leverage LiftBank’s platform and technology to create their own branded digital banking solution. 5. Support for Different Business Types: LiftBank caters to a wide range of businesses, including MEIs (Microempreendedor Individual), e-commerces, marketplaces, and companies of any size. LiftBank understands the unique needs of each business type and provides tailored solutions to meet those needs. 6. Less Bureaucracy: LiftBank aims to simplify the banking relationship for entrepreneurs by reducing bureaucracy. This means less paperwork and faster processes, allowing entrepreneurs to focus on growing their businesses. It is committed to supporting entrepreneurs in Brazil by providing them with the tools and services they need to succeed. With its integrated digital account and transparent fees, LiftBank aims to make banking easier and more accessible for entrepreneurs. Social Link

Some of the key features and benefits of LatitudePay include: 1. Accessibility: LatitudePay aims to make credit more accessible to all consumers, regardless of their financial situation. It provides an alternative to traditional credit cards and loans, allowing consumers to spread the cost of their purchases over time. 2. Easy integration: LatitudePay offers a seamless integration process for merchants, making it easy for businesses of all sizes to offer responsible credit to their customers. The technology is designed to be user-friendly and can be easily integrated into existing checkout systems. 3. Responsible credit: LatitudePay promotes responsible credit practices by conducting thorough affordability checks on consumers before approving their credit applications. This helps to ensure that consumers are not taking on more debt than they can afford. 4. Flexible repayment options: LatitudePay allows consumers to choose their repayment schedule, giving them the flexibility to pay off their purchases in a way that suits their budget. This can help to reduce financial stress and make credit more manageable. 5. Enhanced customer experience: LatitudePay aims to improve the checkout experience for consumers by offering a quick and easy payment solution. With LatitudePay, consumers can complete their purchases with just a few clicks, without the need for lengthy credit applications or paperwork. 6. Transparent pricing: LatitudePay provides transparent pricing for both merchants and consumers. There are no hidden fees or charges, and consumers can see the total cost of their purchase upfront, including any interest or fees. 7. Fraud protection: LatitudePay uses advanced fraud detection technology to protect both merchants and consumers from fraudulent transactions. This helps to ensure that all transactions are secure and that both parties are protected. Overall, LatitudePay aims to provide a modern and accessible payment solution for both merchants and consumers. By offering responsible credit options and a seamless checkout experience, LatitudePay aims to make credit more manageable and convenient for all. Social Link

Judopay is a leading online payments solution that offers a secure and trusted technology to manage online payments. They provide a flexible payment solution that scales to the needs of businesses, whether they require an all-in-one solution, a gateway-only platform, or are looking to offer more payment methods. Judopay aims to boost revenue and reduce complexity for businesses by managing their online payments with leading technology. They place a strong emphasis on customer experience, offering quick and easy integration, transparency about integration timelines, and flexible working methods. Judopay also contributes to reducing operational costs and resources by increasing conversion rates, reducing transaction failures, and protecting against fraudulent activity. Year Founded: Judopay was founded in 2012. CEO: The CEO of Judopay is Jeremy Nicholds. Headquarters: Judopay is headquartered at 41 Luke Street, London EC2A 4DP, England. Why choose JudoPay? Simplified Payments: Judopay provides a flexible payment solution that scales to your needs. Whether you need an all-in-one solution, gateway-only platform, or want to explore offering more payment methods, they can help. Boost Revenue, Reduce Complexity: They aim to boost revenue and reduce complexity for businesses by managing their online payments with leading tech. Customer Experience: Payments is a critical part of the customer experience, not just a service. Judopay wows and delights their customers with quick and easy integration, being transparent about how long integrations take, and working in a way that is flexible. Connect Cashless: Judopay has led to a reduction in operational costs and resources by increasing conversion rates, reducing transaction failures by 5%, and protecting against fraudulent activity. Social Link

Kaspi.kz offers a wide range of financial services to its customers. These include: 1. Digital Banking: Kaspi.kz provides a full suite of digital banking services, including account opening, deposits, payments, transfers, and loans. Customers can access these services through the Kaspi.kz mobile app or website. 2. Payments: Kaspi.kz allows customers to make payments for various goods and services, including utility bills, mobile top-ups, and online purchases. The platform supports both card and QR code payments. 3. E-commerce: Kaspi.kz operates the largest online marketplace in Kazakhstan, where customers can buy a wide range of products, including electronics, clothing, household goods, and more. The platform offers secure payment options and fast delivery. 4. Fintech Services: Kaspi.kz offers a range of fintech services, including personal finance management tools, investment products, and insurance. Customers can access these services through the Kaspi.kz app, which provides personalized recommendations and insights. 5. SME Services: Kaspi.kz provides specialized services for small and medium-sized enterprises (SMEs), including business accounts, loans, and payment solutions. The platform aims to support the growth and development of SMEs in Kazakhstan. 6. Loyalty Program: Kaspi.kz operates a loyalty program called Kaspi Red, which offers customers cashback rewards for their purchases. Customers can earn and redeem cashback at various partner merchants across Kazakhstan. It has gained popularity in Kazakhstan due to its user-friendly interface, convenience, and wide range of services. The company continues to innovate and expand its offerings to meet the evolving needs of its customers. 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 IppoPay, businesses can easily set up a payment gateway on their website or mobile app, allowing customers to make payments using various methods such as credit/debit cards, net banking, UPI, and wallets. IppoPay also provides a range of features and tools to help businesses manage their payments, including real-time transaction monitoring, automated reconciliation, and detailed analytics. One of the key advantages of using IppoPay is its ability to support multiple payment methods, allowing businesses to cater to a wide range of customers. This is particularly beneficial for businesses operating in Tier 2 and 3 cities, as well as rural areas, where customers may have limited access to traditional banking services. IppoPay also offers a range of value-added services, such as recurring payments, subscription management, and invoicing solutions, which can help businesses streamline their payment processes and improve cash flow. In addition to its payment gateway services, IppoPay also provides businesses with access to its network of partner banks and payment processors, ensuring secure and reliable payment processing. Overall, IppoPay aims to simplify the payment process for businesses and provide them with the tools and infrastructure they need to collect and distribute payments efficiently. – Year Founded: IPPOPAY is a brand owned by AGS Transact Technologies Limited, which was founded in 2002. – Headquarters: IPPOPAY is based in Mumbai, India Why Choose IppoPay? Multi-Channel Payment Options: IPPOPAY offers a range of payment options such as mobile wallets, QR code payments, and UPI payments among others, which makes it a versatile payment solution that accommodates the needs of both merchants and customers. Competitive Pricing: IPPOPAY’s pricing is competitive and transparent, making it attractive for both small and large businesses. Ease of Integration: IPPOPAY offers easy third-party integration with various platforms and applications, allowing merchants to start accepting digital payments seamlessly. Strong Security and Compliance Measures: IPPOPAY provides robust security, fraud management, and compliance measures to ensure that transactions are secured and compliant with regulatory requirements. Customer Support: IPPOPAY provides exceptional customer support through multiple channels, including phone, email, and live chat. Risk Appetite Risk AppetiteLow Risk, Medium Risk, High Risk ,PCI CompliantLevel 1 ,RegulatedYes ,API DocsLink Features 3D Secure Processing,Cross Border Payments,Currency Conversion,Payment Link,Payouts,Recurring Payments,Refunds Solutions Card Vaulting,Encryption,Fraud Prevention,Master Merchant Account,Mobile Checkout,Monitoring & Reporting,One-click Payment,Online Payments,Payment Gateway,Payment Tokenization,Risk Management & Security,Virtual Terminal Accepted Industries E-commerce,Education,Financial Services,Hospitality,Marketplaces,Travel Payment Options American Express,Apple Pay,Google Pay,Maestro,Mastercard,V pay,Visa,Visa Electron Social Link

IR is a global technology and service provider that offers tools for monitoring, troubleshooting, and optimizing critical systems. The company has been a pioneer in the industry, delivering innovative solutions in predictive and prescriptive analytics, as well as advances in automation. These solutions allow IT teams to identify and address problems before they occur. IR serves over 1,000 organizations in more than 60 countries, including large banks, airlines, and telecommunications companies. These organizations rely on IR’s solutions to gain critical insights into their systems and ensure high availability and performance for their customers. It’s corporate headquarters is located in Sydney, Australia, but the company operates globally to serve its customers around the world. Social Link