VoPay

VoPay offers a 'Fintech-as-a-Service' platform that allows businesses to embed payment and financial services. While it doesn't explicitly mention 'mid-market exchange rate' or 'transparent low fees' for cross-border payments, it does offer cross-border payments, virtual accounts (multi-currency account functionality), fast transfers, API integration, business account features (like approval workflows and user access controls), regulatory compliance (KYC/AML), and customer support. The absence of explicit mention of mid-market rates and transparent fees, and a borderless debit card, reduces the confidence score.