Mettle is the app that gamifies your life. Whether it’s silly dares, creative challenges, or just having fun with friends, Mettle makes every interaction more exciting. Create challenges,earn rewards by completing challenges from friends and share your wins. Turn the everyday into exciting experiences, because life’s more fun when you play it.

Mettle

Ruby is an all-in-one financial platform for e-commerce businesses, including banking, corporate cards, accounting, analytics, reimbursements, chargeback protection and more.Hi Product Hunt,

We are super excited to introduce Ruby, an all-in-one financial platform for e-commerce
businesses that includes banking, corporate cards, accounting, analytics, automated
3PL and logistics reimbursements, automated chargeback resolution and more.

💎Background

Before building Ruby, we spent a few years building and operating several e-commerce
businesses together. We first launched Ruby after discovering how fragmented our
financial data was and how much time we were wasting managing our finances while
running our own businesses. With our financial data scattered between several different
platforms and providers, we resorted to a mess of excel sheets to keep track of
everything.

Like many other e-commerce businesses, we also discovered that as we scaled, we
were losing thousands on chargebacks that we didn’t have the time to fight effectively.
We were even more surprised to see that we had been overcharged thousands in fees
on our 3PL, which we only discovered after scouring through a pile of reports. Worrying
about all this lost revenue and wasting time sorting through our finances only added to
the already difficult job of operating an ecommerce business.

💎Ruby’s Mission

Our goal has always been to help businesses operate more efficiently by giving them all
the tools they need to optimize their business and manage their financial operations
efficiently. Ruby’s tools give even the smallest e-commerce business access to tools
they can use to keep their finances in check as they grow. With our full suite of
products, businesses can now expand their toolkit to get a birds-eye view of their
business, and save even more time and money with our newest tools. Some
businesses can potentially add 1-3% of their GMV back to their bottom line, resulting in
tens of thousands saved.

💎Top features

⚡Seamless banking: corporate cards, expense management, accounts payable, and
invoice management all in one.

⚡Automated Reimbursements: audit and recover hidden and erroneous marketplace,
shipping, and 3PL fees automatically

⚡Automated Chargeback Resolution: connect your commerce platforms in a few
simple steps, and let Ruby automatically detect and resolve chargebacks

⚡Real-time Analytics & Accounting: get visibility into revenue, sales, refunds and more, along with robust accounting that learns from your spending patterns and automatically categorizes your transactions and e-commerce data

Sign up today to get started! Thank you to @mwseibel for hunting us!@mwseibel @skabir8 Congrats on the launch Shariar. Having all financial needs consolidated into one platform would save e-commerce business owners countless hours and headaches. The free month and options are a great incentive to try it out. :)@devindsgbyq hey there! We have integrations into your marketplace or payment processor allowing us to get realtime information about the order and chargeback. Our most popular platforms are Shopify and PayPal. We have a few other platforms like Stripe in beta testing. Is there a specific platform you’d like to see?@rohanrecommends thanks Rohan I appreciate it!@skabir8 Congrats on the launch! Does Ruby offer any tools for managing payroll alongside its other features?It reminds me a little bit of Pliant. Is it a similar solution? 

BTW, I like the design of the web page. :)@busmark_w_nika thank you! It’s a little similar when it comes to the spend management, but we are looking to consolidate all financial ops under one platform so we provide more specialized solutions for e-commerce businesses.Congratulations @skabir8 @jordan_yaqoob @miguel_acero on this exciting launch!

Question for discussion: how do you position Ruby vs. Brex, Mercury, Ramp, et al?Super inclusive!  I feel like this goes so far beyond what options like Shopify really have for the market at the moment.  Maybe Stripe is the closest?  But they don't have the same suite as you do.  Really cool, well done!!

Ruby

Elevate Pay offers US-based USD accounts for remote employees and freelancers in Bangladesh, Pakistan, Egypt, and the Philippines. Receive earnings from foreign clients and freelancing platforms, and send money home with low fees and incredible FX rates.

Elevate Pay

Coba allows workers in Mexico employed by international companies to earn USD and spend seamlessly in pesos. Coba offers all the benefits of the modern US financial system while providing convenient, real-time access to those funds in Mexico.

Coba

HyperStreams & UIStreams enable businesses and merchants to seamlessly integrate with KYC APIs & UI using customisable workflows that empower developers to build custom financial products and services effortlessly.