Spire is revolutionizing the way people make everyday purchases across stores, e-commerce sites, apps, pumps – anywhere and everywhere payments are accepted. Spire's secure, patented Pay-by-Bank platform and cutting-edge financial technology.offers merchants their own branded payment type that cuts transaction costs 50-90%. Consumers pay by merchant-branded card, from digital wallet, mobile app or smartwatch without having to do anything differently than swipe, insert or tap as they naturally do every day – and earn rewards in the process. Think about it as debit with benefits! Our subscription service is simple to implement with no changes to POS systems or customer behavior, no training for employees. Merchants enjoy transaction costs approaching 0% and the options to reinvest savings into their loyalty programs and benefits. Spire is the first and only company that offers merchants and their customers this level of ubiquity, simplicity, and financial success.