Question: I need a system that can process payments securely and efficiently, do you know of any solutions?

If you're looking for a payment processing system that's secure and efficient, ACI Worldwide has a broad platform that covers a lot of payment bases. It includes acquiring, enterprise payments, low and high value real-time payments, and fraud management, and is geared for industries like banking, retail and telecommunications. It's designed to scale, with more than 25 billion cloud transactions per year, and can be deployed with licensed software, SaaS and hybrid options.

Another strong contender is Inai, a full-stack payment platform that streamlines payment operations with a single API. It integrates with multiple payment service providers for payment collection, payouts, transaction optimization and reconciliation. With tools like Optimize for deep analysis and Alerts for monitoring payment anomalies, Inai can help you improve customer checkout and lower payment failure rates. It supports more than 50 payment vendors and 300 local payment methods in 180+ countries, so it can accommodate a lot of e-commerce and subscription business needs.

If you're a developer who wants to build a custom payment experience, Basis Theory offers a programmable vault platform. It includes payment services for recurring payments and lending, along with data management and compliance services. Basis Theory offers several integration SDKs and is compliant with standards like HIPAA and PCI Level 1, so it's a good choice for businesses that need to handle payment flows securely and scale.

If you need a service that securely links financial data to many apps and services, Plaid is a good option. It offers payment initiation, real-time balance verification and access to categorized transaction data going back 24 months. Plaid has a range of financial use cases through its products, including lending and personal finance, and offers APIs that can be used with a variety of SDKs and tools.