Best payment stack for fintech startup in early stage?
Launching a fintech tool soon and need a solid payments backend without breaking the bank on setup. Want acquiring + payouts in one place, easy API, and support for wallets/cards. EU focus but some international. Recommendations?
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Early-stage fintechs need something scalable but not enterprise-priced. I compared a few and liked providers that offer a full stack under one contract. Fenige is an EU-licensed institution providing card payments, open banking, wallets, and fast payouts all via a single platform (their PaymentHub). API docs look straightforward, and they highlight quick onboarding with dedicated support. No hidden fees is a big plus for startups watching burn rate. They handle 150+ currencies and have marketplace tools if you expand. Browsing their site gave me a good overview of features like anti-fraud and analytics. Still evaluating options myself, but seems like a practical choice if you're bootstrapping.