Payment Innovation Less than 150 Employees
Cardstream
Cardstream is a payment gateway independent of individual acquirers, markets, or geographical locations, giving it unlimited ability to integrate globally into any trading market, acquirer, or locality. Its innovative route to market is via channel Partners, whose Merchant customers often occupy niche or specialised market verticals.
The pioneered global network belonging to Cardstream boasts an abundance of integrated qualities and knowledge. With a wealth of knowledge throughout the team, Cardstream provide the Open®Payment Network (OPN®) to partners who benefit from the already established global sweeping servers, subsequently boosting their reach and connections astronomically.
Single API access to the technology enables them to offer a wealth of payment transaction methods to the customer from a single source, whether by e-com, telephone or point-of-sale machine, making their purchasing experience more effortless than ever before.
Cardstream’s Partners enjoy strong and trusted relationships with the merchants to whom they provide Cardstream’s white labelled payment gateway service under their own trusted brand.
Deko
Deko is a next-generation Buy Now Pay Later platform. The UK’s only multi-product, multi-lender payments solution that allows retailers to provide customers with fast, convenient access to retail finance at the point of sale. We cater for a variety of sectors with truly flexible solutions tailored to the needs of each retailer.
The platform has been designed to cover a variety of basket sizes, from as little as £25, up to £25,000. Unlike other providers, our powerful cloud-based tiered decision-making technology rapidly and automatically matches customers with a marketplace of multiple lenders during the purchase journey.
This increases the approval rate of applications for finance at checkout, reduces cart abandonment, gives retailers higher conversion rates and gives consumers the best chance to secure the goods or services they want.
By guaranteeing the best match, we have enabled retailers to achieve up to a 30% increase in sales, a dramatic impact on the success of small and medium-sized UK businesses, underpinning the British economy in extremely challenging times.
Headquartered in London, our bright, passionate team has grown by 25% in 2021 alone and we’re proud to score 4.7/5 on Trustpilot, substantially higher than many other providers.
Gr4vy – Cloud-Native Payment Orchestration Platform
Gr4vy is a cloud-native payments infrastructure platform (POP) that reimagines payment orchestration. The only payment orchestration platform built natively in the Cloud, Gr4vy’s platform provides the infrastructure merchants need to expand and control their payment stack from anywhere.
Gr4vy offers single tenancy, multi-regional cloud infrastructure for payments. We give merchants their own dedicated instances of Gr4vy in the Cloud, so they don’t share infrastructure or server loads. Unlike other SaaS solutions on the market, Gr4vy offers merchants multiple dedicated instances of Gr4vy to reduce points of failure to ensure a merchant never loses a transaction. Gr4vy includes everything a merchant needs for payment infrastructure, including connectors to leading payment services providers, a powerful workflow engine, no-code admin tools and a dashboard to control and manage everything within their payments stack.
As a cloud infrastructure solution, Gr4vy can also spin up edges for a merchant’s instance and deploy it in any region or country. A local edge keeps merchant (and customer) data in the region or country where it was deployed, helping merchants meet data privacy protection laws now prevalent in many countries.
The outcome is a genuinely modern cloud-native POP that frees merchants to focus on their business and customers.
Hattons Model Railways – Order storage service
With a yearly turnover of over £16 million, Hattons Model Railways serves customers across the globe, endearing hobbyists of all levels, from newcomers to industry experts.
Hattons’ daily listings of pre-owned models are highly anticipated by their customers who want the opportunity to secure something before someone else buys it, but not have to pay multiple postage fees each time they purchase.
Hattons have developed a service where their customers can pay for an item now, take it off sale and put it into a virtual ‘Trunk’, building their collection until they are ready to ship everything and pay just one postage fee. This means that customers can now secure hot and rare pre-owned items as soon as they become available.
The Hattons Trunk service is now part of their core operating model – optimising on how it can be used in all manner of customer scenarios – not just pre-owned listings. It’s been a massive success, has helped build strong customer relationships and gives environmental benefits too.
Vyne – Account-to-account payments
Digital payments are stacked against merchants and consumers. Open Banking presented a golden opportunity to overhaul the traditional payments infrastructure that buyers have been beholden to for decades, as well as save retailers from expensive card schemes. Vyne has harnessed this opportunity and created a solution to overhaul payments for the future. Payments at Vyne can be completed by consumers in three taps, with zero data entry or registration, and merchants can engage their customers through digital channels such as QR codes and pay-by-link, which can be sent by email, SMS, or used in person.
Vyne’s technologies include features such as instant mobile handoff, notification of funds, full and partial refunds, and direct API integration. With a core focus on designing the most intuitive and user-friendly experience to maximise conversion through extensive product testing and user feedback, Vyne innovatively leads the way for merchants and consumers to have a significantly improved digital payment experience.
ZigZag Global – Refund to Gift Card
With more consumers than ever before shopping online, returns have naturally become an integral part of the eCommerce experience. 76% of consumers check the returns policy before making a purchase and 44% will abandon their basket if they are not impressed with what they see (ZigZag Global Retail Returns Study 2022).
The sale is not lost on a return, nor is it the end of a retailer’s relationship with a customer. Returns are simply part and parcel of doing business online. Often, the high returning customers are the VIPs retailers want to keep. Shoppers that buy a lot will naturally have to return a lot too and as returns have started to take centre stage, customers have redefined what a good returns experience looks like.
ZigZag’s latest innovation allows retailers to process refunds through a digital gift card. Refund to Gift Card ensures the sale stays within the retailer’s business, therefore minimising the financial impact of returns. The technology encourages repeat sales and therefore increases overall revenue. It also allows consumers to get a much faster refund on their return, improving customer experience and driving loyalty.
