Payments
62 companies in this sector.
| # | Company | Description | Location | Status | Funding |
|---|---|---|---|---|---|
| 01 | Grab | Southeast Asia's leading super app offering ride-hailing, food delivery, digital payments, and financial services across 8 countries. The largest tech company in the region by market presence. | Singapore, Singapore | Public | $7.9B |
| 02 | Stripe | Financial infrastructure platform that powers online payment processing for internet businesses of all sizes. Provides a suite of APIs and tools for accepting payments, managing subscriptions, preventing fraud, issuing cards, and handling complex financial operations across 195+ countries. | San Francisco, US | Private | $7.9B |
| 03 | Klarna | Swedish fintech company and global leader in buy now, pay later (BNPL) payments, offering flexible payment solutions for online and in-store shopping across 150 million consumers and 500,000 merchants. | Stockholm, SE | Public | $4.2B |
| 04 | Ramp | Corporate card and spend management platform that helps businesses save money on expenses. Combines corporate cards with software for expense management, bill payments, accounting automation, and procurement. Known for its rapid growth, reaching $100M ARR in under 3 years. | New York, US | Private | $2.9B |
| 05 | Nubank | Brazilian digital banking platform and one of the world's largest neobanks, offering credit cards, personal loans, digital accounts, insurance, and investment products to over 100 million customers across Brazil, Mexico, and Colombia through a fully digital, mobile-first experience | Sao Paulo, Brazil | Public | $2.3B |
| 06 | Checkout.com | Global payments platform enabling businesses to accept payments online and in-app, providing a unified API for card processing, local payment methods, fraud detection, and payouts across 150+ currencies. | London, GB | Private | $1.8B |
| 07 | Revolut | Global financial technology company offering digital banking services including multi-currency accounts, money transfers, stock and cryptocurrency trading, and payments through its mobile app. | London, GB | Private | $1.7B |
| 08 | Affirm | Affirm is a financial technology company that provides buy now, pay later (BNPL) services, offering consumers transparent installment payment options at the point of sale. Founded by PayPal co-founder Max Levchin, it is the largest U.S.-based BNPL platform. | San Francisco, US | Public | $1.5B |
| 09 | Plaid | Fintech infrastructure company that builds data connectivity tools to power the apps in people's financial lives, providing APIs to connect applications with users' bank accounts. | San Francisco, US | Private | $1.3B |
| 10 | Trade Republic | European mobile-first neobroker and savings platform offering commission-free trading of stocks, ETFs, derivatives, and crypto, plus savings plans and a cash account with interest. Based in Berlin, it serves millions of customers across 17+ European countries and holds a full German banking license, with the mission of helping Europeans close the pension gap. | Berlin, Germany | Private | $1.2B |
| 11 | Brex | AI-powered corporate spend management platform providing corporate cards, expense management, bill payments, and banking solutions for startups and enterprises. | San Francisco, US | Acquired | $1.2B |
| 12 | Tipalti | Finance automation platform specializing in accounts payable automation, global mass payments, procurement, expense management, and treasury operations for mid-market businesses worldwide. | Foster City, United States | Private | $919M |
| 13 | Toast | Cloud-based restaurant management platform providing point-of-sale, digital ordering, payroll, and team management solutions. Serves over 120,000 restaurant locations across the US. Founded in Boston in 2012, Toast went public in September 2021. | Boston, US | Public | $900M |
| 14 | SpotOn | SpotOn is a software and payments platform for restaurants and small businesses, offering point-of-sale systems, online ordering, marketing tools, and workforce management. Founded by twin brothers Matt and Zach Hyman, the company serves as an all-in-one operating system that helps merchants run and grow their businesses. | San Francisco, United States | Private | $895M |
| 15 | Plata | Plata is a technology-led digital bank headquartered in Mexico City, offering credit cards, buy now pay later, and banking services to underbanked consumers in Latin America. Founded by former Tinkoff Bank executives, Plata received its full banking license from Mexico's CNBV in December 2024 and operates as Banco Plata with over 3.5 million active customers and $600M+ in annualized revenue. | Mexico City, Mexico | Private | $815M |
| 16 | Ripple | Enterprise blockchain company providing global financial settlement solutions. Its technology, including the XRP Ledger and RippleNet, enables real-time cross-border payments for financial institutions. One of the most prominent companies in cryptocurrency and decentralized finance. | San Francisco, US | Private | $794M |
| 17 | Razorpay | Full-stack financial solutions platform for businesses in India, providing payment gateway, business banking, lending, and payroll solutions. Processes payments via credit cards, debit cards, digital wallets, and internet banking. | Bengaluru, IN | Private | $742M |
| 18 | Rapido | Bengaluru-based Indian ride-hailing platform built around two-wheelers (motorbikes) and auto-rickshaws. Operates in 400+ cities. Diversified into food delivery in 2026 via the Ownly app. Crossed $3B valuation on a $240M primary equity round in May 2026. | Bengaluru, India | Private | $672M |
| 19 | Mercury | San Francisco digital banking platform for startups and SMBs. Online business checking and savings, corporate cards, bill pay, venture debt, and treasury for 300,000+ customers. Roughly $650M annualized revenue with four straight profitable years. Received OCC conditional approval for a federal bank charter ahead of the May 2026 Series D. | San Francisco, United States | Private | $646M |
| 20 | Groww | Groww is India's largest direct-to-consumer digital investment platform, offering mutual funds, stocks, IPOs, ETFs, digital gold, and derivatives trading. Founded by four former Flipkart employees, the company grew from a mutual fund distribution platform to a full-service brokerage serving millions of retail investors across India. A Y Combinator alumnus (W18 batch), Groww was YC's first company to list on an Indian stock exchange. | Bengaluru, IN | Public | $593M |
| 21 | Block | Financial technology company (formerly Square) building economic empowerment tools including the Square point-of-sale ecosystem, Cash App peer-to-peer payments, Afterpay buy-now-pay-later, and Bitcoin-focused initiatives. | San Francisco, US | Public | $590M |
| 22 | Greenlight Financial Technology | Family fintech platform providing a debit card and money management app for parents and kids. Offers parent-managed spending controls, allowance management, chore tracking, savings goals, and stock investing tools for children ages 5 to 17. Reached a $2.3 billion valuation and serves millions of families. | Atlanta, United States | Private | $553M |
| 23 | Wave | Wave is a mobile money platform building affordable, accessible financial services across Africa. Founded by the creators of Sendwave (YC W12, sold to WorldRemit for $500M), Wave offers cash deposits, withdrawals, peer-to-peer payments, and business payments through a network of over 150,000 agents across eight West African markets. Starting in Senegal, Wave became the country's largest mobile money provider and the first unicorn from Francophone Africa. The platform serves more than 20 million monthly active users. | Dakar, SN | Private | $441M |
| 24 | Wise | Global financial technology company (formerly TransferWise) that provides international money transfers at real exchange rates with low, transparent fees. First company to do a direct listing on the London Stock Exchange. | London, United Kingdom | Public | $396M |
| 25 | Marqeta | Marqeta is a modern card issuing and payment processing platform that enables companies to create customized payment card programs through its open API. The platform powers card programs for major fintechs, banks, and enterprises including Square, DoorDash, and Goldman Sachs. | Oakland, United States | Public | $375M |
| 26 | Solana Labs | Technology company behind the Solana blockchain, a high-performance Layer 1 platform using a novel Proof of History consensus mechanism alongside proof-of-stake to achieve thousands of transactions per second with low fees. Builds developer tooling, mobile products (Saga phone), and an incubation studio for decentralized applications. | San Francisco, California, United States | Private | $360M |
| 27 | Mercury | Mercury is a fintech company that provides business banking services built specifically for startups, small businesses, and scaling companies. The platform combines FDIC-insured checking and savings accounts with modern tools like cashflow analytics, intuitive dashboards, and efficient payments. Trusted by over 200,000 startups, Mercury reached $650 million in annualized revenue by Q3 2025. | San Francisco, United States | Private | $346M |
| 28 | Rain | Rain is a global stablecoin payments platform for enterprises, providing infrastructure to move, store, and use stablecoins instantly via Visa rails across 150+ countries. | New York, US | Private | $339M |
| 29 | KOHO Financial | Toronto and Vancouver-based Canadian neobank serving 2.5M users with roughly $250M in annual revenue. Pursuing a federal banking license. Founded 2014. | Toronto, Canada | Private | $257M |
| 30 | Addi | Addi is a Colombian fintech company that provides buy now, pay later services across Latin America. The platform enables consumers to access point-of-sale credit at partner merchants both online and in physical stores, serving over 2.5 million customers and 27,000+ merchants in Colombia, Brazil, and Mexico. | Bogota, Colombia | Private | $256M |
| 31 | Slash | AI-powered business banking platform offering deposits, corporate cards, payments, expense management, and treasury tools for online businesses. Originally built for sneaker resellers, Slash pivoted to vertical banking after the Yeezy market collapse and now serves 5,000+ businesses across e-commerce, performance marketing, crypto, and agencies, powering $30B+ in annualized payment volume with $250M annualized revenue. | San Francisco, United States | Private | $160M |
| 32 | Fivestars | Customer loyalty, marketing automation, and payments platform for small and medium-sized businesses. Fivestars replaced paper punch cards with digital loyalty programs, serving over 12,000 local businesses with 70 million consumer members, processing $3B in annual sales. Founded by two ex-McKinsey consultants who saw that large companies spent millions on loyalty programs while small businesses were completely underserved. | - | Acquired | $145M |
| 33 | Treasury Prime | San Francisco-based banking-as-a-service API connecting fintechs to a network of 50+ chartered banks for deposits, payments, cards, and ACH. Powers backend banking for Mercury, Marqeta partners, and dozens of YC fintechs. Founded 2017. | San Francisco, United States | Private | $127M |
| 34 | Ampere Payments | Lagos-based cross-border payments platform for African SMBs. USDC-rails settlement with local-currency conversion via partner banks across 34 African countries. Founded 2023. | Lagos, Nigeria | Private | $122M |
| 35 | CredibleX | UAE-based API-first credit-as-a-service platform for SME working capital, revenue-based finance, and receivables/payables financing. Embedded into 70+ partner platforms across the MENA region. ADGM-licensed, with $170M+ now raised across equity and debt facilities. | Abu Dhabi, United Arab Emirates | Private | $115M |
| 36 | BVNK | Stablecoin infrastructure provider bridging fiat and stablecoins across 130+ countries for cross-border transfers and B2B transactions. Acquired by Mastercard for up to $1.8B including contingent payments. | London, United Kingdom | Acquired | $95M |
| 37 | KAST | Stablecoin-powered global payments and neobank platform offering USD-denominated accounts and cross-border transactions across 190+ countries, serving 1M+ users with $5B in annualized transaction volume. | Singapore, Singapore | Private | $90M |
| 38 | Boku | Boku is the world's leading independent mobile payments network, enabling consumers to pay for digital goods and services using carrier billing and mobile wallets. The company connects merchants like Apple, Google, Meta, Spotify, and Microsoft to over 170 mobile network operators across 50+ countries, allowing purchases to be charged directly to phone bills. | San Francisco, United States | Public | $87M |
| 39 | Silverflow | Cloud-native payment processing platform built by former Adyen executives. Provides banks, payment service providers, and merchants with modern card processing infrastructure. Eliminates legacy batch processing with real-time, API-first architecture. | Amsterdam, Netherlands | Private | $76M |
| 40 | Fun | New York-based modern payments infrastructure that lets users deposit and withdraw across crypto and fiat (USD) on consumer apps. The deposit and withdrawal layer for fintech and web3 platforms, with customers including Polymarket, Lighter, and Aave moving roughly $18B in annual payment volume. | New York, United States | Private | $76M |
| 41 | WePay | Online payments platform that provided integrated payment processing APIs for platform businesses, marketplaces, and crowdfunding sites. Founded after co-founder Rich Aberman struggled to collect money for a bachelor party, WePay was acquired by JPMorgan Chase in 2017 and operates as part of Chase Payment Solutions. | Redwood City, US | Acquired | $74M |
| 42 | Comfi | Dubai-based B2B embedded finance and Buy Now Pay Later platform for SMEs across MENA. Pays suppliers within 24 hours while letting buyers pay in 30 to 90 day installments. Has processed 15,000+ invoices across 1,000+ clients and 4,000+ finance leaders. | Dubai, United Arab Emirates | Private | $70M |
| 43 | Forage | San Francisco-based payments infrastructure for SNAP/EBT, WIC, and HSA/FSA. Operational across 100,000+ stores in all 50 states. Launching a consumer app targeting 1M low-income families by year-end 2026. Founded 2022 by ex-Instacart payments lead Ofek Lavian. | San Francisco, USA | Private | $62M |
| 44 | EDGE Markets | New York-based infrastructure for prediction-market and gaming verticals. Flagship products EDGE Boost debit card, EDGE Connect real-time payment rail for retail traders, and EDGE Pro high-throughput deposit and margin platform for market makers on CFTC-regulated exchanges. Pursuing Introducing Broker and FCM registrations with NFA. Founded 2025. | New York, USA | Private | $46M |
| 45 | Verse Fintech | Miami-based cross-border payments platform for Latin American SMBs. USDC-rails settlement with local-currency conversion via partner banks. Customers include Rappi, Ualá, and Kavak. Founded 2022. | Miami, United States | Private | $42M |
| 46 | Stitch | Riyadh-based fintech building a cloud-native operating system for banks and financial institutions, covering lending, cards, payments, and ledgers. Lets banks modernize fragmented legacy cores module by module rather than rip-and-replace. Over $5B in transactions processed in trailing six months. | Riyadh, Saudi Arabia | Private | $35M |
| 47 | equipifi | Scottsdale-based BNPL-as-a-service fintech that lets banks and credit unions offer buy-now-pay-later and flexible payments natively inside their own digital banking apps. Keeps installment lending inside the primary banking relationship rather than ceding it to third-party fintechs. | Scottsdale, United States | Private | $34M |
| 48 | Xflow | B2B cross-border payments infrastructure platform for Indian businesses. Provides API-driven infrastructure enabling SaaS companies, global capability centers, IT/ITeS exporters, and goods exporters to collect overseas payments, manage foreign exchange, and settle funds locally. Supports payments from 100+ countries across 25+ currencies, serving nearly 15,000 businesses with $1B in annualized cross-border payments. | Bengaluru, IN | Private | $33M |
| 49 | XFX | Foreign exchange settlement startup specializing in high-speed fiat-to-stablecoin FX and payment infrastructure for institutional clients. Supports USD, Mexican peso, Colombian peso, and various stablecoins. | Miami, United States | Private | $17M |
| 50 | Payra | B2B payments and accounts receivable automation platform built for construction and industrial businesses running on legacy ERP systems. Integrates directly with accounting systems using proprietary AI-enabled technology, helping customers achieve 20% reductions in days sales outstanding. | Nashville, US | Private | $15M |
| 51 | Sendwave | Sendwave is a mobile remittance app enabling instant, low-cost money transfers from the US, UK, Canada, and Europe to countries across East and West Africa and Asia. The company pioneered direct-to-mobile money transfers, allowing users to send money from their smartphone with minimal fees. Founded by Drew Durbin and Lincoln Quirk after meeting as freshman hallmates at Brown University, the company participated in Y Combinator's W12 batch. By 2020, Sendwave was facilitating billions of dollars in annual transfers. Acquired by WorldRemit (now Zepz) in February 2021 for approximately $500 million. | Boston, US | Acquired | $14M |
| 52 | Paystack | Paystack is a Nigerian fintech company that provides modern payments infrastructure for Africa, enabling businesses to accept payments via credit card, debit card, money transfer, and mobile money through a simple API integration. | Lagos, NG | Acquired | $9M |
| 53 | Cycles | Toronto-based privacy-preserving multilateral clearing protocol from Cosmos co-founder Ethan Buchman's Informal Systems. Uses ZK proofs, TEEs, and graph algorithms to net obligations across crypto trading and stablecoin payment flows. Launching Cycles Pay stablecoin. | Toronto, Canada | Private | $9M |
| 54 | Paypercut | Sofia, Bulgaria-based Central and Eastern European payments infrastructure for online merchants. 200+ merchants across 8 CEE markets. Irish EMI license in progress. Founded 2024 by ex-SumUp leaders. | Sofia, Bulgaria | Private | $7M |
| 55 | Payy Network | Privacy-first stablecoin blockchain where transactions are private by default. Built on a native EVM privacy layer with zero-knowledge proofs, Payy keeps sender, receiver, amount, and asset details confidential. Consumer payments app used by 100,000+ users across 120 countries with $130M in annualized transaction volume. | New York, United States | Private | $6M |
| 56 | Reset | Menlo Park-based embedded earned wage access (EWA) platform built for credit unions and community banks. Fee-free daily access to earned income and automated cashflow budgeting integrated through accountholders' existing financial institution. | Menlo Park, USA | Private | $6M |
| 57 | Balanced | Balanced (formerly PoundPay) was a payments API built for online marketplaces, enabling two-sided transactions where buyers pay and sellers get paid. The platform handled credit card processing, escrow, ACH deposits, and fee collection. Notable for radical transparency with its open-source product roadmap on GitHub, Balanced shut down in 2015 and transitioned customers to Stripe. | San Francisco, United States | Private | $3M |
| 58 | Rizon | Rizon is a global dollar neobank that enables users to deposit, send, spend, and receive USDC and USDT stablecoins across 122 countries. The platform issues Visa cards accepted at over 100 million merchants and ATMs worldwide, with international transfers at up to 86% lower cost than traditional providers. | Newark, United States | Private | $2M |
| 59 | Boundary Labs | Building USBD, a verifiable institutional-grade overcollateralized stablecoin launching on Ethereum mainnet in early summer 2026. Targets bank-treasury and asset-manager use cases that require on-chain proofs of collateralization at every block. | New York, United States | Private | $2M |
| 60 | Endl | Stablecoin-native neobanking platform offering businesses a unified interface to manage multi-currency accounts, hold and convert fiat and stablecoins, and execute international payouts. Targets businesses in Southeast Asia, the Middle East, and India. | Dubai, AE | Private | $2M |
| 61 | Brink's | Leading global provider of cash and valuables management, digital retail solutions, and ATM managed services. Operates in 51 countries through approximately 1,200 facilities and 15,900 vehicles. Core services include cash-in-transit, ATM replenishment and maintenance, vault outsourcing, money processing, and international transportation of valuables. | Richmond, US | Private | - |
| 62 | NCR Atleos | Financial technology company focused on self-service banking infrastructure, primarily ATMs, for banks and retailers worldwide. Operates the largest surcharge-free ATM network (Allpoint) and provides ATM-as-a-Service outsourcing solutions. Created through the October 2023 spin-off of NCR Corporation's ATM and self-service banking business. Being acquired by Brink's for $6.6B (announced Feb 2026). | Atlanta, US | Private | - |