Short answer: For a fintech compliance welcome email, keep the regulated template and audit record in your application when review history matters; choose a provider-managed template only when non-engineers must edit copy directly, then judge SendGrid, Resend, Postmark, and alternatives on domain verification, suppression handling, and event retrieval before developer convenience.
The transport is the easy part. Template ownership decides who can change required language, how a reviewer reconstructs what a customer received, and whether a provider migration rewrites the evidence trail. Start there.
Compare ownership contracts, not provider logos
Option
Pick it when
