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Banking as a service is a software solution that financial technology companies, or fintechs, use to provide banking services to customers. Backed by traditional banks, fintechs offer bank accounts, credit cards, and more through one platform. BaaS providers aim to integrate as many financial services as possible, streamlining small businesses’ financial practices and accounting.

A merchant acquirer is a financial entity, frequently a bank, that provides the settlement infrastructure for credit and debit card transactions. They also represent the backend of popular payment processing platforms like PayPal, Square, and Stripe, which in turn provide middleman services between the business and the merchant acquirer.

What POS do you use? “We switched to Shopify at the beginning of the year. That has been actually a a blessing to us as we went through some challenges and major changes to the business that allowed me to quickly add and remove products and manage inventory pretty easily.”

Justworks is a Professional Employer Organization (PEO). A PEO is a human resource company hired to take over control of some of your business’s functions. It can be a great alternative to growing businesses that need to tackle administrative services but prefers to outsource those responsibilities. If you’re looking for a PEO, Justworks should be in contention.

Business owners looking to save time on paying bills (or who want to move their accounts payable processes to the cloud where there is an electronic audit trail of all transfers) need to know about Bill.com. Accountants, as well, might be interested to learn how their colleagues are changing their practices for the better with Bill.com.

Whether Rho is worth it will depend on your business. Businesses with at least $50,000 in hand and that can pay off the Rho corporate card daily will particularly benefit from Rho. Businesses with irregular cash flows may also benefit from Rho’s flexible repayment terms.

Lightspeed is one of the most robust and easy-to-use solutions in today’s POS market. If you’re looking for a retail system that will likely have every option you could dream up in a POS in both the front and back end, and pricing isn’t a major consideration, Lightspeed Retail should be fairly high on your list.

Expensify is an expense management system that includes something not all competitors offer: a corporate credit card that makes Expensify a complete business financial management system.

The Ramp corporate card centers around one mission: saving its customers money. Besides its lack of fees, Ramp also includes software designed to help cut costs across the board.

BILL has made waves in the fintech scene in recent years thanks to its forward-thinking expense software. Whether the BILL Divvy credit card is any good depends on your business. That said, the BILL business credit card offers solid rewards and great perks. The BILL credit card will be best suited for businesses needing a robust spend and expense management solution in addition to a corporate card program.