Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently.
What we do:
1️⃣ White-Label Solution with Embedded Finance
Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support.
2️⃣ Wallester Business: Corporate Expense Management
Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control.
Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days!
Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current.
With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs.
The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go.
Traild is an accounts payable automation platform designed to streamline, secure, and modernize AP processes. It integrates seamlessly with leading ERP and accounting systems to automate invoice processing, approvals, and payments. Traild intelligently triages AP workloads by auto-approving low-risk invoices while routing high-risk invoices to relevant approvers for digital review. The platform is built with fraud prevention at its core, using AI-driven risk detection to identify errors, duplicates, and suspicious activity before payments are made. Real-time visibility gives finance leaders complete control over invoices, approvals and payments. Traild supports complex, industry-specific workflows across sectors like manufacturing, construction, distribution, healthcare, and energy. By reducing manual AP effort and improving accuracy, Traild enables finance teams to focus on strategic decision-making instead of paperwork.
Business banking made for America. Business builders asked for better banking. So we built North One. Open an account in minutes. Building your business, creating jobs and serving your community is what you do. It’s hard work. North One makes the hardest parts of running your business easy. Focus on the road ahead, we’ve got your back. North One is proudly built for small businesses, startups and freelancers across America. Make payments easily, keep tabs on your money and put your finances on autopilot through smart integrations with the tools you’re already using. North One was built to make managing money easy so you can focus on running your business. No more branches. No more lines. No more paperwork. Get complete access to your North One Account from your phone or computer, wherever your business takes you. Create Envelopes for taxes, payroll, rent, and anything else automatically.
Monk is an AI-native accounts receivable platform that automates invoice to cash for B2B finance teams: invoicing, AP portal submission, collections and cash application, on top of your existing ERP.
Across the $2B+ in receivables Monk manages, 92% of enterprise invoices have to be submitted through a corporate AP portal rather than paid from an emailed invoice. Monk submits into more than 600 of them, including Coupa, Ariba and SAP Business Network, and uploads 87% autonomously.
Julia, the Monk agent for Intelligent Collections, reads customer replies and responds to what was written rather than advancing a fixed dunning sequence. 90% of invoices resolve without escalation. Email sends from your own mailbox via Gmail or Microsoft 365, so there is no new sending domain.
Payments match to open invoices at 80%, rising to 95% with rules your team configures.
Connects to QuickBooks, NetSuite and Dynamics 365 Business Central. Live in one to three days. SOC 2 Type II.
Streamline your business with Rippling’s all-in-one platform for HR, IT, payroll, and spend management. Effortlessly manage the entire employee lifecycle, from hiring to benefits administration. Automate HR tasks, ensure compliance, and streamline approvals. Simplify IT with device management, software access, and compliance monitoring, all from one dashboard. Enjoy timely payroll, real-time financial visibility, and dynamic spend policies. Rippling empowers your business to save time, reduce costs, and enhance efficiency, allowing you to focus on growth. Experience the power of unified management with Rippling today.
EBizCharge is the leading embedded payments application for businesses to accept payments directly inside QuickBooks, Microsoft Dynamics, NetSuite, SAP, Acumatica, and 100+ other business systems. Trusted by 20,000 companies and voted best fintech solution by the Globee® Awards, EBizCharge combines modern billing tools with integrated payment processing to help B2B companies get invoices paid faster, eliminate manual work, and keep payment data automatically synced to their ERP.
Companies use EBizCharge to:
◉ Accept credit card, debit card, and ACH payments natively in their ERP, CRM, or shopping cart
◉ Automate billing and reconciliation to save time and reduce errors
◉ Speed up collections with easy billing tools: payment links, online customer portal, recurring billing, saved cards, and more
◉ Reduce risk with enterprise-grade security certified by the PCI-Security Council: PCI-compliance, encryption, and tokenization
In business for more than 55 years, Jesta I.S. is a global developer and provider of enterprise software solutions for retailers, e-tailers, wholesalers, and brand manufacturers specializing in apparel, footwear and hard goods. Jesta’s retail and supply chain suites are anchored by our master data foundation, which collects, manages and organizes your business data in a central repository to instantly unify your business and kickstart its digital transformation. The Vision Suite is a leading, organically engineered, cloud-based, end-to-end solution that unifies and optimizes back/front-end and supply chain operations from trade/product/demand management to merchandising ERP, Point of Sale and Order Management /Omnichannel. It eliminates the inefficiencies of disjointed applications, and provides real-time visibility of enterprise inventory, cross-channel orders, and AI-driven CRM data. It accommodates various brands, currencies, and languages.
SKU Science offers a quick and efficient solution for sales forecasting and performance tracking. Start your demand planning process in just two days! Designed by industry experts, it’s tailored for operations managers, S&OP managers, supply chain managers, and demand planners. Harness the power of 644 statistical combinations to create unique sales forecasts at any level. Customize your forecasting further with AI models trained on your specific dataset. Key performance indicators (KPIs) are automatically calculated and prioritized, ensuring your supply chain focuses on the most critical items for your business. Real-time operational dashboards update with every cycle, providing seamless activity tracking and enhanced decision-making. Thanks to its advanced features and user-friendly design, the platform is already trusted by numerous clients across industries such as manufacturing, food and beverage, healthcare, retail and e-commerce.
One Platform. Total AP Control.
Zahara is an accounts payable automation platform that helps finance teams keep control of spend across every site, team, project and entity, from purchase request to supplier payment, without a full ERP transformation.
Control spend wherever it happens. Purchase requests are raised in seconds, from approved catalogues if you want to restrict what can be bought and from whom, then routed through multi-step approvals built around your sites, departments and projects. Approvers see the budget impact before they say yes, and approved purchase orders go straight to the supplier.
Modernise without replacing your finance system. Zahara integrates directly with Xero, Sage 50 and Sage 200, QuickBooks Online and MYOB, with connectors for most other systems. Your accounts system stays the single source of truth; Zahara replaces the paper, email approvals and spreadsheets around it.
Process more, with less admin. Invoices emailed into Zahara's Invoice Inbox are read by AI, which identifies the supplier, extracts line items and completes three-way matching against the purchase order and delivery receipt before routing for approval. Approved invoices flow into payment runs, including multi-currency payments with Currencies Direct.
Governance built into everyday spend. Budgets are allocated to GL codes, with committed and pending spend tracked in real time. Every request, approval, invoice and payment carries a complete audit trail.
Controls that scale as you grow. As you add sites, entities or acquisitions, new locations, budgets and approvers slot into the same workflows, so finance keeps visibility without adding manual checks.
For staff expenses, sister product AI Expenses captures receipts automatically, routes claims for approval and reimburses your team as soon as sign-off lands.
Built for service-based, growing organisations in construction, care, charities, hospitality, education and professional services, and used by finance teams at Lush, British Airways Holidays and CHD Living. Guided implementation takes weeks, not months, with UK-based support and no minimum term on monthly plans.
Our one-stop platform is aimed at reaching out to and filling the financing and banking gap of the 41% (out of more than 70 million) underserved MSMEs in the Southeast Asia region. We offer flexible and secure solutions with competitive and attractive pricing and best-in-class financial solutions to empower entrepreneurs. We offer Digital Business Accounts, Multi-Currency Business Accounts, BNPL, Crowd Funding, Visa Business Card, Local and International Money Transfers, as well as Team & Spend Management, our solutions are all geared towards this empowerment. The main objective of Supply Chain Financing is to help companies like yours free up their cash flow and establish a good relationship with your buyers. When you sign up for our supply chain financing, the manufacturer gets paid upfront for products delivered while the distributor signs on for a monthly repayment scheme. Supply chain finance will sit at the center of your global working capital strategy.
About
Payoneer empowers you to scale your business globally and domestically with a payments and working capital platform designed for today’s entrepreneur. Receive bank account numbers in USD, EUR, CAD, AUD, JPY, MXN & more and get paid as easily as having a local bank account. Connect with thousands of marketplaces and start getting paid within a couple of clicks. Offer your international clients a simple way to pay you with our Billing Service. Transfer your earnings to your local bank account at low rates or via ATM. Pay the VAT authorities in the EU and UK with the GBP and EUR funds in your Payoneer account, for zero fees. Reduce costs and simplify processes by paying your contractors from your Payoneer balance for free. Leverage our network of integrated service providers to simplify your business, help you grow globally and enjoy benefits.
Platforms Supported
Windows
Mac
Linux
Cloud
On-Premises
iPhone
iPad
Android
Chromebook
Platforms Supported
Windows
Mac
Linux
Cloud
On-Premises
iPhone
iPad
Android
Chromebook
Audience
Organizations, companies, startups, entrepreneurs, small businesses seeking a solution to manage their financial processes
Audience
Companies of all sizes looking for a powerful Payment Orchestration solution
It is widely used in the field of freelance translation, e-commerce, and online marketing. It has partnerships with many platforms like Fiverr, Amazon, Upwork, and Airbnb. This makes it easy to receive payments from these sources and withdraw them to your local bank account or mobile wallet. It offers a Visa debit card that you can use to access your funds at ATMs or online. You can also use it to pay for goods and services at millions of merchants around the world. The card is secure and can work in any country that accepts Visa. It supports multiple currencies and offers competitive exchange rates. You can receive payments in USD, EUR, GBP, JPY, AUD, CAD and more. You can also convert your balance to your local currency and withdraw it to your bank account with low fees. Payoneer also provides currency risk management tools to help you avoid losses due to fluctuations. It has a user-friendly interface that is easy to navigate and understand. You can view your transactions, balances, invoices, and reports in one place. You can also access your account from any device using the mobile app or web browser. The app also allows you to scan documents for verification purposes. It has a community forum where you can interact with other users and get tips and advice. You can also join discussions, ask questions, and share comments. The forum is moderated by Payoneer staff who are responsive and helpful.
+ It has been very useful for me to have the availability of both the physical card and the virtual card, which has more benefits than having a physical card since there are practically no additional charges when using it. Unlike the physical card, it does have additional charges that vary depending on its use in different means of payment and ATMs. In addition, with the virtual card there are no costs to obtain it, unlike the other one that has a shipping cost and this varies depending on the country, so it has been useful for me to have the virtual card which has fewer limits, it is more secure now that you can change your security code and I can also have multiple virtual cards for different payments for services without having to get frustrated when managing payments from different platforms. + It is easy to have an account within Payoneer, you only need a bank account, verification of identity and residence of the selected country, once this you can access to receive and send payments without any problem. Its platform is easy to use since it is very basic at first glance that allows anyone to have access and ease when managing payments in different currencies available on this platform. In addition, managing the cards is not difficult either, it is also very easy and safe to define how much money goes to the different cards that you have in different currencies, so you do not have problems with additional charges or fraudulent transactions when losing or being the victim of a theft of the card + Transactions between users of this same platform are free and it is what I liked the most about Payoneer, which was more flexible with this issue than PayPal. Since with the platform that I have just mentioned, it is very annoying to have deductions in each transfer and also that some transfers are withheld and may even be returned without being able to have a clear resolution. So, for the convenience of transactions between Payoneer accounts, it is much better to have zero charges in the transfer between users so that you do not have to add an amount of difference to the transfer between users, but rather the dollar that is sent, the dollar that arrives without any discount. . + It is available in a large number of strong currencies such as the euro, dollar, yen, pound and many more. I would hope that they could expand to exotic currencies, as they do with the Mexican and Argentine currencies, which has been very helpful for me to be able to receive payments in this currency without going through exchange houses, but simply receive payments from abroad and Payoneer automatically does the conversion. It must be taken into account that in the currencies of Latin countries, it is necessary to be very well informed of the exchange rate of that day of any country, which is similar to the exchange rate that Payoneer offers since many times it is much lower and may the payment is more expensive than normal.
The general interface of this platform helps a lot to be able to function within it and to be able to consult all kinds of operations in real time, the general interface of Payoneer was what I liked the most about it, since it helped me a lot when adapting to familiarize myself with the general environment of this payment platform, in addition, the general interface that it has in its web version is impressive as well as in the version for mobile devices, although I must highlight that the version for mobile devices is much more efficient since it has a much more compact interface that allows you to make transfers and check the history of movements much more easily. I really liked the debit card provided to me by this platform When I started using the comma this debit card allowed me to pay any kind of physical bill, in addition you can also use this debit card for online purchases with this card is available for any country you can make use of your money in any currency And you can also use it anywhere online or anywhere as always you will be able to pay your bills with this card this is very impressive as you will be able to use the funds you have deposited in any immediate. In addition, I really liked the way in which this platform allowed me to link my bank account or link a debit or credit card, this linking of payment methods helped me a lot when depositing money within this platform, also how I I really liked the fact that the deposits took very little time to be processed correctly, after making a deposit via bank account, I only had to wait 10 minutes or an hour for this deposit to be processed, the deposit system on this platform really worked wonderfully and it helped me to be able to deposit money to the platform in a very easy way. The extensive limits that this platform had for the process of transferring and depositing money was also very satisfactory. After fully verifying an account within this platform, you will be able to move a large amount of money daily, in addition, the deposit limits are greatly extended.
Payoneer is an incredible online payment platform that works perfectly to be able to make payments from anywhere and from any device, the main feature that I like about this note is the great compatibility it has with a large number of devices, this platform is available for almost any type of phone and for any type of mobile phone operating system, in addition, it is also available to download on any computer and you can also use the web version, that helps a lot since the user can use the version that best suits your needs. I also liked that this platform allows me to send payment without any type of limit, the only way that there are limits in the user account is that you have not correctly verified your identity, however, when carrying out this identity verification process , the limits are very extensive, which helps to carry out all kinds of operations, Send or receive money immediately, in addition, the platform gives the user immediate availability of all the money received in their account. Another thing that I liked about this platform is that it allows you to obtain a physical debit card, that debit card can be requested and has an additional cost, however, I love the fact that you can use that debit card in any type physical place, as well as I can make purchases on the Internet with the card, all purchases are automatically debited from the balance that is available within my Payoneer account. In addition, despite the fact that this card has an additional cost, none of the transactions charges additional fees.
Cons
The biggest scammers. I was paid 132 euros into my account, I tried to transfer funds to my bank account, they allowed me to transfer 101 e from which I received 73 euros, the remaining 31 euros I can not transfer, so out of a total of 132 euros I will use 73 euros, a very modest commission, i just do not know who is doing business with them at all.
The verification process is long and complicated that requires you to submit various documents and information. You may also be required to provide additional proof of identity or address if requested. This may delay the activation of your account and limit its functionality until verification is complete. Really bad customer service experience as hard to reach and unhelpful. The negatives about this are long wait times, rude agents, inconsistent responses, and unresolved issues. On some occasions my funds were frozen or confiscated, having to send proof for them to be released because they are very strict with the movements. You have a restrictive limit of $10,000 in payments you can receive from other users or Payoneer companies. This can be inconvenient if you have large or frequent transactions. You also can't send money to other Payoneer users unless you have a high volume of transfers or a verified business account.
- The maintenance cost is high compared to other platforms similar to this one, since if the account is not moved for a long period, a maintenance balance will begin to be charged even if Payoneer has the money, so do not think about using this platform to save money, but should only be used to receive payments and use or withdraw the money earned so that there are no problems over time. - Customer service is too scarce and ineffective, I had several problems when receiving certain transfers and I needed to go to support, but it took too long to respond to my requests, if I had a solution, but most of the time I did not get immediate answers or solutions to the problems that I had while using this platform, so I would expect an improvement, as well as when they made an improvement to their platform from a while ago. - Receiving a bank transfer from a client is only possible through company accounts and that is a bit disappointing since I have to use the ACH transfer which takes more time to process, having to wait to finalize contracts until I receive the transfer within from my Payoneer account without any problem. It is also a problem because if the client pays after a job and there is a problem with the payment, you have to do a problem resolution which takes longer and the client may no longer want to have anything to do with the problem after having paid, having a possible capital loss. - They tend to withhold several of my payments and take time to respond once the receipts are sent, this is annoying because despite being a frequent customer who has an old account I have to go through extensive reviews which sometimes hurts my business by having to wait for payments to be processed. I would recommend a monthly subscription system to speed up this process if required because it takes too long to have to wait for the reviewers of this platform at some point to remember that they have to approve payments or not and it bothers me a lot.
I tried to contact the support service within this platform and I had no success, this platform does not have any type of chat where you can communicate directly with an agent in charge to help you with a transaction or with a problem within your account As I have been using this online payment platform for approximately 2 years, and at no time have I been able to contact any type of agent in real time to help me with any type of inconvenience, the only support that currently exists is email support, and it takes a long time to reply. I did not like the Currency conversion process either, I loved the fact that I could use any currency within my debit card in any online site or in any physical place, however, I do not recommend that platform to carry out the conversion of Currency, Since the exchange rates are relatively low compared to other online exchange platforms, I only recommend that this platform be used to make online payments and make deposits in your local currency, I do not recommend it for currency conversion , the rates are relatively low and you will be able to find better exchange rates within other similar platforms.
The main negative thing about this online payment platform with respect to the support team, I really don't like your support team since I'm dying to have a response to a user's request for dinner, also, this platform does not have any type of Live Chat, to be able to hire people who are in charge of managing your account, the only way to contact them is by mail by call, if I don't like it, it takes a long time to answer the call and it also takes a long time to answer some email. Another of the negative characteristics of this platform that charges a commission is very high for currency conversion, despite the fact that the currency conversion is carried out immediately when you execute, the commissions are really high compared to other online payment platform Therefore, I do not recommend this platform at all if you are planning to use it for currency conversion services. The last negative feature of this platform is that it does not have any type of function to be able to pay for any type of services such as electricity or water, nor does it have any type of function to be able to make phone recharges for my mobile phone line, for which, this proforma is only used to store money, and send and receive any type of motorcycle, but it is not used to pay for any type of physical service or make phone recharges, these two functions are very necessary within this platform.
