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 More
White Paper
Imagine Your Payment Data Belonging to You, Not Your Processor
The reality is that, for most business, it just doesn’t. Tokens live in your PSP’s vault. The cost of switching can be brutal and every contract renewal happens with you holding the short stick. This white paper is about taking back control of your payment data so you can work with any processor you want, when you want.
In This White Paper, You'll Learn:Â
How independent vaulting eliminates PSP lock-in and what a safe migration actually looks like
Why network tokens improve authorization rates by 2–4.6% and how to operationalize them at scale
How the self-healing vault model reduces stale card-on-file churn and retry costs automatically
Payment Data Portability Isn’t a Feature: It’s a Right
Your payment data is one of your most valuable business assets. But if it lives inside your PSP's vault, you're one contract dispute, one outage, or one bad renewal conversation away from being stuck. This paper breaks down what it actually takes to own your tokens, what a migration involves, and how teams like yours are using vault independence to improve authorization rates, cut costs, and stop building their roadmap around one vendor's limitations.
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