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Fintech Payment Companies: What the Best Ones Have in Common

Fintech payment companies provide services such as credit card payments, e-commerce checkout, mobile wallets, and other financial transactions. They also offer merchant accounts and other tools to help businesses accept payments.

As the global economy continues to evolve, fintech payment companies are becoming increasingly vital to the success of businesses of all stripes and sizes. In order to stay competitive, businesses must adapt to changing customer demands and technological advances. As a result, they are constantly looking for ways to improve their offerings – and partnering with a fintech payment company is one such way.

But what makes a good payment partner? Is it the size of their team or their experience? How important is location? And what should you look out for before signing a deal? We cover all that and more, to help you know what to look for in a fintech payment company.  

What Is a Fintech Payment Company?

A fintech payment company provides financial services such as credit card payments, debit card payments, digital wallets, bill payments, merchant cash advances, and other similar banking services. Basically, they handle the logistics of accepting cashless payment methods for products and services. They also provide back office support, data processing, fraud prevention, risk management, compliance, and other functions.

Having financial services built-in to online transactions is business as usual for B2C – think about the experience on websites like Amazon and eBay. Buyers in the B2C ecosystem have many options when it comes to digital payments – credit card, PayPal, Google Pay, Apple Wallet, among others – as well as a plethora of B2C BNPL options appearing in just about every e-commerce checkout flow. Now, it’s becoming the same way for the B2B sector as expectations around the online purchasing experience shift.

How Do Fintech Payment Companies Work?

Fintech payment companies such as PayPal, Stripe, FundThrough, and others are becoming more common these days. They allow businesses to accept payments from customers without having to worry about becoming a fintech or banking platform themselves. It also means that customers don’t have to log into their bank account in order to send electronic payment for goods or services. 

These services are convenient because they eliminate the need to open a bank account and manage merchant accounts. In addition, they also provide security features such as two-factor authentication (2FA) and fraud protection.

However, some fintech payment companies charge higher rates compared to banks. This means that businesses should carefully consider their options before choosing a payment provider.

The ultimate goal of fintech payment companies is to streamline the payments process, in order to make payments simpler and faster. In addition, fintech companies are also used by businesses to obtain loans, financing, and other financial services without the need to step foot into a traditional financial institution like a bank.

What to Look for in a Fintech Payment Company

When looking for a fintech payments company to partner with, ask yourself what would make them a good partner for your business. Is it the size or scale of their operations? Or maybe they offer great customer service? In order to choose the right partner, you should look at several key areas. The best companies in the fintech industry have the following characteristics in common: 

They have technology in place. When partnering with a fintech payments company, you want to ensure they have the infrastructure in place to handle your business. Is there a process in place when it comes to things such as fraud prevention, and available tech expertise in case of any issues? 

They can scale as your business grows. You ultimately want to grow your business to serve more customers, and any partners you bring on board should be able to meet those growth demands with you. The best fintech payment companies have the necessary capital, staff, and infrastructure in place to grow with your business as you scale. 

They are values-focused. Getting involved in any relationship – including business – entails ensuring both parties have similar values. Those that see the most success take a partnership approach – working with you every step of the way to ensuring a seamless process. 

They have experience in specific verticals. Successful fintech payment companies have experience in specific verticals or a related vertical – whether that’s energy or transportation and logistics, among others. They also have experience working with large buyers and their workflows, different types of platforms, and their technology. This helps streamline the integration process.

They have ample capital. The best fintech payment companies have access to the capital required to meet client needs. When looking for a partner in the fintech payments industry, you should also discuss the source of capital, and whether (and when) you’d like to use your own.

They make integration easy. Top fintech payment companies make ease of integration top of mind. Many business owners want a solution that works with their API platform and other infrastructure already in place in order to make the integration process as seamless as possible. Ideally, any fintech company you partner with should be able to customize a workflow based on your API.

At the end of the day, you want to ensure that your chosen partner has the ability to meet your specific requirements. This means that they should be able to handle the volume and complexity of your business. Also, you want them to be reliable and trustworthy.

Who Are the Top Fintech Payment Companies?

The top fintech payment companies include Square, Stripe, PayPal, and Clover. These companies provide financial technology solutions for millions of companies through mobile devices, websites, apps, and other channels. They offer tools like point-of-sale systems, account management software, mobile payments, and e-commerce platforms.


Square offers future-focused, connected tools to help small and large businesses grow. Enhanced, user-friendly experience is easy to launch, and PCI compliance and risk management help keep you and your customers safe. They offer customized processing rates with no hidden fees. Choose to connect to pre-built integrations or build your own experiences using Square’s APIs.


While they’re probably more well-known for their in-store POS systems, Clover also offers a no hardware payment processor solution that allows businesses to accept payments online (or on their mobile phone!) You can integrate their solution with your existing website, or let them help you build a new one. Manage your reporting, invoicing, and more in one convenient place with the Clover dashboard.


Paypal claims to make it easy for customers to pay almost any way and nearly anywhere. They offer more than 130 different currencies, in addition to local payment options. They offer customizable invoice and estimate templates, as well as social selling. The company boasts machine learning to help protect businesses from fraud, saving both time and stress. They offer reporting, analytics, and shipping data so businesses can stay up to date on operations at a glance.


Stripe is a fintech payment company offering a suite of APIs powering online payment processing and commerce solutions for internet-based businesses of all sizes. Integration with Stripe allows businesses to accept payments and scale faster. They work with businesses of all sizes – from startups to large enterprises – and offer invoicing, financing, and fraud prevention in addition to payments processing. 


We might be biased, but we believe our innovative, AI-powered solution makes us one of the top fintech payment companies out there. 

We offer a solution known as embedded instant invoice payments, which gets invoices paid in just a matter of days to unlock cash flow for marketplaces and suppliers, while allowing buyers to pay on their terms. 

As the largest AI-powered invoice funding fintech in North America, FundThrough has established infrastructure, workflows, underwriting, and data, as well as experience across industries simplifying complex B2B payments typically done offline. With fast, flexible payments, you’ll be able to drive more volume, stickiness, and ultimately growth for your business.


  • Get invoices paid in days
  • Buyers pay on preferred terms
  • Reduce risk; we can use your data to underwrite for you
  • Customizable for large buyer workflows and different types of data
  • Use your capital or ours
  • Increase stickiness and transactions to grow
  • Gather data insights for platform improvements and growth opportunities
  • Collect a revenue share of all transactions


Embedding a payment solution with FundThrough saves 30 to 45 days of waiting to get paid on average, for payments that are up to 97 percent faster.

Whether it’s a vertical marketplace connecting buyers and suppliers online or an invoicing platform solving challenges facing a particular industry, becoming a leader means getting to market fast – and fintech payment companies will be a part of that success. FundThrough is here to help, and has plenty of experience working with large buyers across many different industries to simplify complex B2B payment processes typically done offline. We level the playing field by paying invoices ahead of net terms, in days – not months. We also provide revenue share to further fuel growth.

Start Your Integration

FundThrough’s invoice payment solution can be integrated into platforms of all kinds. While payments are causing pain for many businesses, marketplaces, and apps, embedding instant invoice payments offers a solution, while adding more value for all sides of the online payment transaction. Learn more about our approach to embedded invoice payments and schedule a meeting with our Partnership Development team to discuss your needs

Explore fast payments with an experienced fintech

Interested in possibly embedding FundThrough in your platform? Let’s connect!