How we rate

Who we cover

Businesses buy from the fintech companies we rate, and those companies sit in five sectors. Agreement is not required for a company to be rated, and a rating cannot be bought.

How the rating works

Eight criteria on each profile are scored from 0 to 100. Four are tied to the sector and record what buyers there need. The other four are shared by every company: onboarding and support, product depth and roadmap, contract terms, and pricing transparency. Averaging the eight, then rounding to a whole number, gives the rating.

What ratings are based on

What the public can see is the basis for ratings: pricing and legal pages, filings, press releases, product documentation, and compliance disclosures. The check date for the facts appears on each profile.

Characteristic labels

Colored chips on a profile describe what the company is, and a company can carry more than one. They cover who the product is for (advisers, banks, businesses, or consumers), whether the company holds client money, whether it is a custodian or a broker-dealer, whether it is a public company, and whether its product sits in payments, identity, lending, or card issuing.

Conflicts of interest

No company pays for advertising, for a ranking, for a rating, or for a listing.

When profiles change

Prices and products change. Every profile displays when its facts were checked, and if public facts change we correct the profile.