Spence is a FinTech company that provides the most comprehensive suite of safe, compliant, and fully integrated payment capabilities to businesses and consumers. By combining seamless payment infrastructure, the most extensive choice of payment options, and the highest levels of security, transparency, and compliance, Spence Labs is the superior electronic payment platform for POS, eCommerce, and Loyalty Integrations. Payment capabilities include: Instant Pay (card not present), Buy Now Pay Later, ACH, Stored Value, Consumer to Merchant “Direct Pay.” Additional Benefits: reduction of cash, enhanced security and prevention of loss and fraud, increased cart sizes by 35%, detailed reporting (easily view transaction events such as purchasing history, returns, promotions, discounts, tipping, donations), and more.