Finix becomes a payments processor as it looks to cut out middlemen

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Finix becomes a payments processor as it looks to cut out middlemen
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Fintech Finix just became a payments processor as the startup looks to compete with industry giants like Fiserv and FIS

Payments processors are one layer among many in a typical digital transaction.Fintech Finix is cutting out another layer of middlemen in payments.

Those involved in the process typically include: a payment facilitator like Stripe or Square; a processor and acquirer's bank like First Data and Wells Fargo; card networks like Mastercard or Visa; a processor like Fiserv or FIS; and the issuer's bank. The startup has raised $133 million to date. It raised $30 in its Series B extension round in August 2022. Serna declined to share Finix's current valuation., and 80% of the market is controlled by four legacy processors: Fiserv's First Data, JPMorgan Chase's Chase Paymentech, FIS's Worldpay, and Global Payments and Total System Services ., so they're"just a conglomerate of a bunch of technologies that don't scale together quite well," Serna said.

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