Platform-payments specialists: providers sold to vertical SaaS, marketplaces, and platforms so they can offer payments to their own customers. Distinct from traditional PSPs which sell to merchants directly. Curated allowlist — Finix, Moov, JustiFi, Tilled, Rainforest, VoPay, Worldpay for Platforms, Banking Circle, Modulr, Mangopay, Swan, etc. Same buyer-disclosure may be counted on both the PSP and Embedded Payments cards when applicable.