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small businessman
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(Image: ThinkStock)
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Aggression
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Two Approaches

Many companies are "taking a two-fisted approach," Celent's Jacob Jegher says. With one fist, they design a product they can sell directly. With the other, they're "enabling a whole host of other companies," he says. (Image: ThinkStock)
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Card.io

Lumber Labs' Card.io app allows users to accept credit cards by snapping their image with a phone's camera. It also offers its tech to developers - and PayPal uses Card.io under the hood of its new Here card acceptance system. (Image: ThinkStock)
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Dollar
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Dwolla

Dwolla offers a digital payment product for consumers and small merchants. It also has a product called FiSync, which banks and credit unions can use as an alternative to automated clearing house payments. (Image: ThinkStock)
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television or internet deal, made from my images and photos
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ZooZ

This company dabbled in consumer-facing point of sale payments before shifting its focus to a product that app developers can use to add payments to other products. "I can't compete with PayPal," says CEO and co-founder Oren Levy. "I want to enable others" instead, he says. (Image: ThinkStock)
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Online security
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Jumio

Jumio is adding options for developers that use its Netswipe technology, which uses a computer's webcam to accept card payments. Last month, the company added a mobile version of its software development kit and established a $5 million fund to cover fees for startups that use its tech. (Image: ThinkStock)
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Stripe

Stripe allows websites to accept card payments without a merchant account or gateway. It is so focused on developers that it displays snippets of sample code on its homepage. (Image: ThinkStock)
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BancBox

In addition to payment processing, BancBox allows businesses to set up stored-value accounts for their customers or for their own use. It connects to traditional payment systems as well as alternatives such as PayPal. (Image: ThinkStock)

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