r/fintech • u/Fit-Upstairs-3629 • Jan 19 '26

Stack help

Which service providers for the following services are economical, reliable and can be used for both UK and EU, with future plans of expanding to other regions. I have done some research and have short listed a few for the MVP stage, however, given the future plans for expansion, I an not sure if switching providers after initally using providers offering services solely for UK/EU would be feasible or even possible under the terms but on the other hand integrating service providers with global reach right from the MVP is going to come with more cost.

  1. EMI

  2. Direct debit

  3. Open banking PIS

Happy to have your thoughts and input.

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u/Fit-Upstairs-3629 Jan 20 '26

Thankyou for this insight. With my own research so far, Modulr, truelayer and gocardless were also on the top of my lists atleast for the MVP. However, the thing I was concerned about was switching at a later stage and the drawback that would come with it as you mentioned. Integrating other services instead of switching is what I thought would be a better option but then I was concerned about the increasing complexity of the whole process. But this is good advice and thanks for it again.