Product & Solutions
Learn more about the only open payments platform built for global commerce
Solutions
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Platform Pillars
The unified orchestration layer for wallets and alternative payments
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The secure repository for all your payment methods
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Workflow-driven payments intelligence for smarter routing and higher auth rates
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A flexible fraud and authentication layer. Instantly add advanced fraud tools and 3DS
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Reduce siloes, advanced security and billing control
View how Spreedly
The Open Payments Library
Take a look at all of our resources and get the information you need to grow your business
Spreedly Makes Agentic Commerce a Live Channel for Merchants
Read MoreProduct & Solutions
Learn more about the only open payments platform built for global commerce
Solutions
Platform Pillars
The unified orchestration layer for wallets and alternative payments
The secure repository for all your payment methods
Workflow-driven payments intelligence for smarter routing and higher auth rates
A flexible fraud and authentication layer. Instantly add advanced fraud tools and 3DS
Reduce siloes, advanced security and billing control
View how Spreedly
The Open Payments Library
Take a look at all of our resources and get the information you need to grow your business
Spreedly Makes Agentic Commerce a Live Channel for Merchants
Read MoreProduct & Solutions
Learn more about the only open payments platform built for global commerce
Solutions
Platform Pillars
The unified orchestration layer for wallets and alternative payments
The secure repository for all your payment methods
Workflow-driven payments intelligence for smarter routing and higher auth rates
A flexible fraud and authentication layer. Instantly add advanced fraud tools and 3DS
Reduce siloes, advanced security and billing control
View how Spreedly
White Paper
The Network Shift Is Here. Is Your Stack Ready?
The Capital One–Discover merger is no longer theoretical. A top-three issuer now operates its own network and debit rails, reshaping routing economics, fee negotiations, and card-on-file performance in real time. This guide breaks down what has already changed—and how to position your payments stack to benefit from it.
- What the combined Capital One–Discover entity means for network competition and merchant leverage
- How card-on-file migrations impact recurring billing, subscription performance, and acceptance rates
- Why an advanced vault and multi-network Account Updater are now essential infrastructure
The Capital One–Discover Merger Just Rewrote Your Routing Economics
A top-three issuer now runs its own network. That changes fee negotiations, card-on-file performance, and approval rates — right now, not eventually. This guide breaks down what's already shifted and how to position your stack to benefit.
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