Global

2Checkout, acquired by Verifone in 2020, is a global digital commerce platform specializing in subscription management, recurring billing, and digital product sales for software companies and SaaS businesses worldwide. The platform's Merchant of Record model handles global tax compliance in 180+ countries, simplifying international software sales. 2Sell provides e-commerce functionality for one-time digital purchases. 2Subscribe handles subscription billing with recurring payments, upgrades, and trial management. 2Monetize is the full stack for software businesses needing complete digital commerce including affiliate management, physical products, and advanced analytics. Global payment acceptance supports 45+ payment methods and 100+ currencies for localized checkout experiences. The platform's ConvertPlus checkout is optimized for conversion with A/B testing capabilities. Subscription recovery tools recover failed payments and reduce involuntary churn. The Avangate Affiliate Network provides access to software-focused affiliates for customer acquisition. Integration options include hosted checkout, API integration, and shopping cart plugins. Verifone's acquisition has provided additional resources and merchant service capabilities. 2Checkout's combined Merchant of Record compliance, subscription management, and global reach make it competitive for mid-sized software companies with international customer bases wanting a single platform for digital commerce.

Adyen is the payments platform of choice for the world's leading companies, including McDonald's, Spotify, Microsoft, Uber, and L'Oréal. Founded in Amsterdam in 2006, Adyen built its technology from scratch on a single platform that handles acquiring, risk management, and processing—eliminating layers of intermediaries that inflate costs and introduce friction. Adyen's unified commerce approach connects online, mobile, and in-person payments so businesses can offer consistent experiences across all touchpoints. The platform supports 250+ payment methods and 150+ transaction currencies, enabling truly global acceptance. Adyen's RevenueProtect risk management system uses machine learning to minimize fraud while maximizing revenue. The company's direct acquiring relationships in key markets provide better authorization rates and lower interchange costs at scale. Adyen for Platforms enables marketplaces and SaaS companies to embed payments and financial services into their products. Adyen Issuing allows businesses to create and manage their own payment cards. Its data-driven insights help enterprise clients optimize their payment stack continuously. The interchange++ pricing model provides full transparency into the cost structure, rewarding high-volume merchants with favorable economics. Adyen is generally suited for mid-market to enterprise businesses processing significant payment volumes.

Airwallex is a global financial infrastructure platform that enables businesses to operate without borders through multi-currency accounts, international payments, and embedded financial services. Founded in Melbourne in 2015, Airwallex has raised over $900 million and achieved unicorn status, serving over 100,000 businesses across 150+ countries. The platform provides global accounts with local receiving details in 60+ countries, eliminating the need for multiple banking relationships in different markets. International transfers are processed at competitive rates with transparent fees, typically beating traditional bank rates significantly. Airwallex's Borderless Cards offer global spend management with physical and virtual cards in multiple currencies. The platform's API-first architecture enables businesses to embed payments, wallets, and cards into their own products. Connected App Marketplace integrates with Shopify, Xero, QuickBooks, and other business tools. FX conversion at interbank rates helps businesses protect margins on cross-border transactions. Airwallex Payment Acceptance enables businesses to collect payments online in local payment methods across Asia-Pacific and beyond. The platform is particularly strong for businesses expanding into Asia, given its founding team's deep expertise in APAC markets. Airwallex Expense Management provides spend control and visibility across global teams. Regulatory licenses in major jurisdictions ensure compliant operation worldwide.

Icertis is the leading enterprise Contract Intelligence platform, transforming contracts from static documents into strategic business assets. Founded in Bellevue, Washington in 2009 and now valued at over $5 billion, Icertis serves major global enterprises including Microsoft, Daimler, Cognizant, and Pfizer with the most sophisticated CLM capabilities available. The Icertis Contract Intelligence (ICI) platform uses AI and machine learning to extract, analyze, and act on contract data across millions of documents. Its contract analytics provide portfolio-level visibility into risk exposure, performance obligations, regulatory compliance, and commercial terms. The platform's configurability handles the most complex global enterprises—supporting 40+ languages, complex approval hierarchies, and industry-specific compliance requirements. ICI's integration framework connects to SAP, Oracle, Salesforce, and virtually any enterprise system. Obligation management tracks thousands of commitments with automated monitoring and escalation. Supply chain contract management enables compliance monitoring across Tier 1 and Tier 2 suppliers. The ESG Accelerator tracks environmental and social obligations within supplier contracts. Microsoft's partnership with Icertis for its own contract management validates the platform's enterprise capabilities. Icertis's focus on the largest, most complex enterprise customers means deep industry expertise in financial services, life sciences, manufacturing, and technology. Gartner consistently rates Icertis as a Leader in the CLM magic quadrant.

Ivalua is a comprehensive Source-to-Pay (S2P) platform that covers the full procurement lifecycle from spend analysis through supplier management, sourcing, contracting, and purchase-to-pay execution. Founded in France in 2000, Ivalua serves major global enterprises including L'Oréal, GSK, Nokia, Deutsche Post, and Michelin. Unlike modular solutions, Ivalua provides a unified platform with a single data model across all procurement activities, eliminating integration complexity and data silos. Spend Analysis provides AI-powered classification and analysis of all spend data. Supplier Management covers onboarding, qualification, risk assessment, performance management, and ESG compliance. Sourcing supports complex RFQ/RFP/reverse auction processes with configurable templates. Contract Management provides complete contract lifecycle management with obligation tracking. Purchase Order management, invoicing, and three-way matching complete the P2P cycle. Ivalua's configurability is a key strength—complex business rules, approval workflows, and industry-specific requirements can be accommodated without custom code. Its single platform approach means data flows seamlessly between modules. The platform supports 25+ languages and handles complex multi-entity, multi-currency global organizations. Ivalua's customer retention rate is among the highest in enterprise procurement software. Gartner consistently rates Ivalua in the Leaders quadrant for Procure-to-Pay and Source-to-Pay suites.

Manager.io is a free, full-featured accounting software available as both a desktop application and cloud service, providing comprehensive double-entry accounting for businesses of any size without the subscription fees of cloud-first competitors. Developed by an Australian software company, Manager has gained a global following of over 1 million users in 150+ countries who value its complete accounting functionality at no cost for the desktop version. The platform covers the full accounting spectrum: general ledger, accounts receivable, accounts payable, bank reconciliation, payroll, inventory, fixed assets, tax reporting, and multi-currency support. Double-entry bookkeeping ensures financial accuracy with a full audit trail. The chart of accounts is fully customizable for any accounting structure. Financial statements include income statement, balance sheet, cash flow, and trial balance. Multi-currency handling with exchange rates serves international businesses. Inventory management tracks stock levels, COGS, and purchase orders. Fixed asset depreciation automates depreciation calculations. The desktop version is completely free with no feature restrictions—a unique offering in the accounting software market. The cloud version adds online access, real-time collaboration, and automatic backups for a monthly fee. Manager is particularly popular in developing markets, small businesses globally, and organizations seeking professional accounting software without ongoing subscription costs.

PayPal Business is one of the world's most recognized online payment solutions, enabling merchants to accept payments from over 400 million active consumer accounts globally. With more than 25 years of operation, PayPal has built unparalleled brand recognition that increases consumer trust and checkout conversion rates. PayPal Business supports credit and debit card processing, PayPal Checkout, Pay Later options (Buy Now Pay Later), Venmo for Business, and PayPal Here for in-person payments. The platform handles 25+ currencies across 200+ markets, making it particularly strong for cross-border e-commerce. PayPal's Seller Protection program safeguards merchants against fraudulent claims and chargebacks. Braintree, acquired by PayPal, powers the developer API layer for more sophisticated integrations. PayPal Working Capital offers financing based on PayPal sales history. Advanced fraud protection tools include machine learning models trained on billions of transactions. The PayPal dashboard provides real-time transaction monitoring, reporting, and customer insights. Integrations are available with virtually every major e-commerce platform including Shopify, WooCommerce, and Magento. While PayPal fees are higher than competitors for pure card processing, the trusted brand and 'PayPal button' effect often justify the premium through improved conversion.

Rapyd is a global fintech-as-a-service platform that provides businesses with the infrastructure to collect, store, and disburse funds anywhere in the world through a single API. Founded in 2016 and backed by General Atlantic, Tiger Global, and Stripe, Rapyd has built one of the world's largest local payment networks, covering 900+ payment methods across 100+ countries. The platform enables businesses to accept local cash-based payments, bank transfers, digital wallets, and cards in markets where international payment methods don't penetrate. Rapyd's Collect service handles payment acceptance, while Disburse enables mass payouts to bank accounts, wallets, and cards globally. The eWallet service allows businesses to hold funds in multiple currencies. Rapyd Issuing enables branded card programs. The platform is particularly strong in emerging markets across Latin America, Southeast Asia, Africa, and the Middle East, where local payment method coverage is critical. Rapyd's FX services offer competitive rates for currency conversion. Its compliance infrastructure handles local regulatory requirements, KYC/AML, and data residency. The single API integration replaces what would otherwise require dozens of local payment provider integrations. Rapyd serves clients including Wix, Payoneer, and various global marketplaces needing comprehensive local payment coverage.

Stripe is the world's leading payments infrastructure platform, powering online and in-person commerce for businesses of every size. Founded in 2010, Stripe has become the default choice for startups, marketplaces, and enterprises needing reliable, developer-friendly payment processing. Its comprehensive suite includes payment acceptance across 135+ currencies, subscription billing, fraud prevention with Radar, financial reporting, and Connect for marketplace payouts. Stripe's APIs are renowned for their clean design and extensive documentation, enabling developers to go live in days rather than months. Beyond basic payments, Stripe offers Stripe Capital for business financing, Stripe Treasury for embedded banking, Stripe Issuing for virtual/physical cards, and Stripe Tax for automated sales tax. The platform processes hundreds of billions in payments annually and serves millions of businesses including Amazon, Shopify, Lyft, and Zoom. Stripe Checkout provides a pre-built, optimized payment page that consistently outperforms custom implementations in conversion rates. Advanced features like 3D Secure, dynamic 3DS, and machine learning-based fraud detection protect businesses globally. Its Dashboard provides real-time visibility into revenue, disputes, and customer data.

Airwallex Expense is the expense management module integrated into the Airwallex global financial platform, providing corporate card spending and expense reporting built on Airwallex's multi-currency infrastructure. For companies already using Airwallex for FX and international payments, the Expense product extends the platform with employee spending controls without adding another vendor. Airwallex's proprietary FX engine provides competitive multi-currency conversion rates for international card spending, reducing the FX overhead that accumulates when employees make purchases in foreign currencies. Physical and virtual Airwallex cards are issued in local currencies across 50+ supported countries, with real-time transaction notifications and configurable spending limits. Expense reporting captures receipts via mobile, applies AI-powered categorization, and routes reports through approval workflows. Policy enforcement flags violations including missing receipts, exceeded limits, and restricted merchant categories. The integration with Airwallex's broader financial stack means expense payments, reimbursements, and accounting entries sync within the same platform that processes international transfers and payroll funding. Analytics consolidate card spending, expense claims, and reimbursements in unified dashboards with multi-currency reporting. For companies with significant global spending across multiple currencies, Airwallex Expense's FX efficiency advantage and integrated financial platform create a compelling case for consolidating expense management with broader international treasury operations.

Avalara is the market leader in automated sales tax compliance, providing real-time tax calculation, filing, and remittance services for businesses of all sizes selling across multiple US states and internationally. The platform's AvaTax engine calculates the correct tax amount for every transaction in real time, applying the precise tax rate for the buyer's location — accounting for state, county, city, and special district rates that create thousands of distinct tax jurisdictions across the US. Exemption certificate management handles the collection, validation, and storage of customer exemption certificates that exempt qualifying purchases from tax. Returns filing automates the preparation and submission of sales tax returns in all 50 states plus international VAT jurisdictions, with Avalara managing the filing calendar and payment remittance on behalf of clients. Economic nexus monitoring tracks sales into each state against threshold amounts and transaction counts, notifying businesses when they cross nexus-triggering thresholds that create filing obligations. Integrations span 1,000+ commerce platforms, ERP systems, and billing tools including Shopify, Magento, WooCommerce, Salesforce, SAP, NetSuite, and QuickBooks. Industry-specific modules address the unique compliance requirements of cannabis, telecommunications, lodging, food and beverage, and other regulated industries. Avalara's scale — processing billions of transactions annually — provides tax content accuracy and jurisdictional coverage unmatched by smaller competitors.

Basware is a Finnish enterprise software company providing e-invoicing network connectivity, AP automation, and purchase-to-pay solutions to large corporations across 100+ countries. The Basware Network — one of the world's largest open e-invoicing networks connecting over 200 countries — enables companies to send and receive structured electronic invoices compliant with national e-invoicing mandates from the same platform used for internal AP automation. This network connectivity is particularly valuable as European countries progressively mandate B2B e-invoicing, with France, Germany, Romania, and others implementing requirements that existing AP tools may not handle natively. Basware's AP automation handles invoice capture from all channels (paper, PDF, EDI, PEPPOL, national networks), intelligent data extraction, purchase order matching, exception management, approval workflows, and payment orchestration. Procurement capabilities including purchase orders, catalogs, and contract management extend into full procure-to-pay coverage. Analytics provide category spend visibility, compliance tracking, and working capital optimization analysis. The platform's sustainability reporting features track supplier emissions data and carbon footprint metrics — addressing ESG reporting requirements that are becoming mandatory for large European corporations. ERP integrations cover SAP, Oracle, Microsoft Dynamics, and major enterprise systems with certified connectors. For multinational enterprises where e-invoicing mandate compliance across multiple European jurisdictions is a strategic requirement, Basware's network-first approach provides regulatory resilience that point AP automation tools lack.