James

James is a fintech company specializing in AI-driven credit risk management solutions for financial institutions. In practice that means accepting cards, bank transfers and wallets online or in person.

Who is it for? Mostly any business that takes money. Alongside the main category they mention Artificial Intelligence (AI), Financial Services, FinTech and Machine Learning. As a small product team themselves (11 to 50 people), they tend to serve customers of a similar scale best. You will probably talk to the people who build it, which is great until you need 24/7 support.

James is based in New York, New York and founded in 2013. Their site is james.finance.

Our checklist for this category: rates, payout timing, chargeback handling, and developer tools. Ask for a trial on your own data, not a canned demo.

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