Michael Carter

Michael Carter

Michael writes about fintech strategy and operations for FintechSpecs, covering pricing models, banking-as-a-service, payment infrastructure, and the tools fintech founders use to scale. He focuses on the decisions behind the stack, not just the stack itself.

8 Best Payment Orchestration Platforms for SaaS Companies

8 Best Payment Orchestration Platforms for SaaS Companies

Payment orchestration is the automated routing of transactions across multiple payment processors and gateways to maximize approval rates, minimize fees, and recover failed payments. For SaaS companies processing $2M+ annually, orchestration platforms are reported by vendors to recover 2-5% of…

10 Best BaaS Alternatives to Unit for SaaS Platforms

10 Best BaaS Alternatives to Unit for SaaS Platforms

The best alternatives to Unit for SaaS platforms are Synctera, Treasury Prime, Solid, Column, Alviere, Stripe Treasury, Marqeta, Bond, Increase, and Productfy. Each offers embedded banking infrastructure through APIs, but they differ on sponsor-bank model, compliance ownership, pricing, card issuing…