Payments Startups funded by Y Combinator (YC) 2024

The journey of building Razorpay started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) witnessed the dismal state of the online payments industry in India then and understood that they have a larger and more important issue to solve. And That was democratizing online payments for Indian businesses, particularly the underserved market, Startups and SMEs. Over the last 9 years, Razorpay has evolved from a single-product company to a multi-product company, from an online payment gateway to India’s only full-stack financial solutions company, offering payments and banking solutions to businesses. Razorpay today is transforming age-old complexities and changing every known paradigm of money movement for disruptive businesses. Over the last couple of years, Razorpay’s growth has evolved to be an index of India’s digital economy. From a kirana shop in Kashmir collecting payments on our POS device to a textile exporter in Kanyakumari accepting dollars through our International Payments product, Razorpay has revolutionised how businesses have traditionally transacted and interacted with money. Razorpay became the first and only Indian fintech to build a full-stack international Payment Gateway ‘Curlec by Razorpay’ and evolved into a comprehensive provider of payment solutions, leveraging the synergy between cutting-edge technological capabilities and a profound understanding of the local payment ecosystem. The introduction of the new Curlec Payment Gateway aims to cater to a wide spectrum of businesses, expanding its reach to over 5,000 establishments. Be it for international expansion or solving for Indian businesses, for Razorpay, the customer has always been at the core of all disruption, from addressing evolving needs to delivering new solutions. This hyperfocus helped bring Razorpay’s several industry-first innovations into the market since 2014. Razorpay became the first to launch a completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automate payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience. Over the years, Razorpay’s valuation has jumped from $1 billion to $7.5 billion and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. Razorpay has also made acquisitions with like-minded companies over the last 9 years. In total, till date, Razorpay has made eight acquisitions, Billme in 2023 - A Digital invoice and customer Engagement, Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading loyalty and reward management platform, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A recurring payments platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions, Opfin (Now RazorpayX Payroll) in 2019 - The payroll management solution and Thirdwatch in 2019, the first acquisition - The AI-powered fraud detection platform. All these efforts are being done in collaboration with banks, regulators, and stakeholders so that India can build a better place for small and big businesses. Today, Razorpay powers online payments for 76 Of 100 startup unicorns and millions of businesses in India. The core premise of what Razorpay was founded in 2014 and what it is today hasn’t changed. It is to make money movement simpler and easier, whether it is for businesses to receive money, send money, or manage money.

At Flutterwave, we are on a mission to build payments infrastructure to connect Africa to the global economy. We do this by building technology, tools, and infrastructure for businesses and banks who want to provide a more seamless and secure payments experience for their customers. Founded in 2016 by a team of African finance and technology veterans from Standard Bank, Angela, PayPal, Google Wallet amongst others. Flutterwave has grown to become one of the fastest growing payments companies in the world. Since inception Flutterwave has processed close to $20 billion in payments and 100 million transactions across over 33 African countries where it currently operates. It has attracted significant investment from experienced Fintech investors such as Ycombinator Continuity Fund (investors in Stripe), Greycroft (investors in Braintree and Venmo), Greenvisor Capital, Omidyar Network, and Glynn Capital amongst others. In 2017 Flutterwave was named Africa’s best fintech company at the Apps Africa Innovation Awards.

Xendit provides payment solutions that simplify the payment process for businesses in Southeast Asia, including Indonesia, Philippines, Malaysia, Thailand and Vietnam from SMEs, e-commerce startups to giant corporations. Xendit provides a secure, easy-to-integrate payment system, and seamless payment experience supported by great customer service. With a diverse range of products, Xendit’s system can accept payments from virtual accounts, credit and debit cards, eWallets, retail outlets, and also online installments. With our aim to build Indonesia and the Philippines’s payment infrastructure, Xendit is on its way shaping the next generation of unicorns by empowering startups to grow exponentially through the products we offer. Xendit is licensed and regulated in multiple countries in Southeast Asia

Building extremely affordable financial infrastructure for Africa.

Replace your traditional ledgers with new digital Khatabook and Avail financial services like Lending for your business. Business owners can use the app to record credit (Jama) and debit (Udhar) transactions for their trusted customers. It is 100% Free, Safe, and Secure for all types of businesses to maintain their customers'​ accounts.

Sendwave's mission is to make sending money as easy and affordable as sending a text. Our app sends transfers securely from North America and Europe to Africa, Asia, and the Americas at great rates.

Aspire is the all-in-one finance operating system for businesses. We help companies pay, manage, and earn smarter - by doing more than a bank, bookkeeper, or rewards program could ever do alone. Our mission is to empower the next generation of entrepreneurs with the financial tools they need to realise their company’s full potential. We believe that if we can empower business owners to be successful, they will go on to make a meaningful impact to the communities we are all part of.

Balance is the easiest way for B2B marketplaces, merchants, and service providers to process payments online. We raised our last funding round from Lightspeed, Stripe, and Max Levchin to build 'Stripe for B2B'. Balance offers the first business checkout, enabling business customers to pay How they want (check, card, bank) and When they want (net terms, payment plans, invoice payments). this is achieved while the seller receives the funds instantly and easily like card payment.

Plate IQ makes accounts payable simple. Automated accounts payable software replaces manual data entry by digitizing your invoices down to the line item, automatically assigning them your proper GL codes, syncing the information to your accounting software, and providing analytics around purchasing. Plate IQ also offers one-click bill pay, inventory, and cloud-based data storage that allows businesses to go paperless.

Today, over 50 million SMBs issue informal credit in India, This is a hugely manual process which they spend hours tracking, reconciling, and collecting! The 50M SMBs in India account for 40% of the nation’s GDP. As much as 60% of their sales happen on credit. That’s ~24% of the country’s GDP (500B$) lying on paper! OKCREDIT as a company came into existence to start solving the most important problem of credit recovery in MSMEs. We as first movers developed a bookkeeping app that would help any merchant sitting at the remotest corner of the country with internet connectivity to record his transactions digitally. We helped them track the credit given to their customers and suppliers. With our Okcredit app a merchant can track the amount of credit given, monitor credit limit, send reminders and eventually can collect faster from their customers. So as a company our vision was to bring the data dark merchants onto the digital platform. We have changed the way the MSMEs record the transactions and eased their life today.

WePay is a multi-party payments API for SMB SaaS, POS Platforms, and Online Marketplaces. It was acquired by JPMorgan Chase in 2018.

BukuWarung is SEA's fastest growing startup and we are building digital infrastructure for 60 million MSMEs in Indonesia. BukuWarung's vision is to empower 60 million MSMEs in Indonesia to become financially aware and enable them to manage and grow their business using our technology platform, starting with bookkeeping, online storefront and payments. BukuWarung has raised $80M from top tier VCs globally: Peter Thiel's Valar Ventures, Goodwater Capital, Y-Combinator, Rocketship.vc, AC Ventures, Quona Capital, East Ventures, Golden Gate Ventures, SoftBank Partners, DST Global Partners, and strategic angel investors from Stripe, PayPal, Plaid, Grab, Gojek, Facebook, AirBnB, Fast, Mastercard.

Cashfree is a next-generation payments company for Indian businesses. Cashfree helps 50,000+ businesses collect and send money with solutions such as an easy to integrate payment gateway that supports instant settlements & refunds; Payouts - an API banking platform for bulk disbursals; a split payment solution for marketplaces; a Bank Account Verification API; a dedicated UPI stack for businesses and Auto Collect - a virtual account solution to match inbound payments to customers. It counts Xiaomi, Tencent, Zomato, Zoomcar, Cred, Club Factory, Shell, Google-backed Dunzo as well as donation platforms like Ketto and Milaap amongst its customers. Cashfree works with all leading banks to build the core payments and banking infrastructure that powers Cashfree’s products. Cashfree is also integrated with major platforms like Shopify, Wix, Paypal, Amazon Pay, Ola Money and Google Pay.

Apto Payments provides a white-label, turnkey solution to launch innovative, user-first, card programs. Our technology empowers our customers to issue Visa and Mastercard, physical and virtual, card programs. We have both a developer-first, Instant Issuance Platform, as well as an enterprise solution for bespoke opportunities.

Paystack is a small and vibrant family working across Lagos and San Francisco. We enable businesses to accept payments via credit card, debit card, money transfer, and mobile money, directly from their website or mobile app.

Treinta is a digital ledger app for Latin American microbusinesses with over 5 million users across 18 countries. Through Treinta, users can easily record transactions by assigning products from their inventory and see how their business metrics evolve in real time. Users can also access a B2B marketplace and digital payment solutions.

Nomba provides Banking and payment to 200k+ small business in Nigeria through point of sales solutions.

PayMongo builds products and tools that enable thousands of individuals and businesses in the Philippines to make and receive payments over the Internet. We support payments through credit or debit cards, electronic wallets, over-the-counter payments and many more. We build robust APIs, plugins and other products that abstract out the complexities of payments from our users so they can get up and running quickly and focus on their business. Our investors include Founders Fund, Peter Thiel, Bedrock Capital and Stripe.

With FamPay, minors can do UPI, P2P and card payments without the need to set up a bank account. FamPay allows parents to send money to their kids below the age of 18, which they can spend securely any time, anywhere, under parent’s supervision. FamPay aims at making payments smooth and fun for children.

Infinia is enabling Fintechs, PSPs and Banks to connect to RTP rails both for payins and payouts globally. Ianai, the CEO, is the former Global VP of Partnerships at dLocal and grew the company from $0 to $100M ARR.

Malga gives digital businesses access to multiple payments services through a single integration, and the ability to change between them on a transaction to transaction basis without writing code.

Innovator of online transactions, helping businesses in former soviet union countries to accept payments from around the world through a single integration.

We provide US based USD deposit accounts that sit with a licensed banking partner. Elevate's FDIC-insured USD accounts offer ACH, wire inbound and outbound payments, and a free Mastercard debit card. Our regional payout partners enable our users to send their money back home at very low cost. We're targetting non-US residents in emerging markets who struggle to get paid in USD.

Paymobil is a global bank account replacement using stablecoins. We make it possible to send money to any email or phone number in the world in seconds. We have taken all the friction out of the current terrible UX with crypto p2p payments and made it better than regular consumer products like Venmo and Square Cash. Unlike those it works across borders and can launch globally due to our non-custodial architecture.

Slicker is an AI-powered modular payments infrastructure for companies with a large number of payment processors. Merchants use Slicker to increase the number of successful transactions, reduce acquirer fees, and provide a better payment customer experience.

We are building the operating system to allow Latin American creators to live from the internet. We started by helping them instantly launch online to monetize their audience and sell over social media. Online creation is already mainstream in Latin America through the heavy use of social media and video streaming. We are building the platform to make online creation a viable career and social mobility option.

We are Gusto for Africa. Eazipay is a simple, 5-minute payroll payment solution for Africa. We have grown from 10 businesses in January to over 200 with over $5k MRR. Eazipay processes 8 payroll payment types (Taxes, Pension, Insurances, etc) with just one-click and with our own payment infrastructure. Eazipay Payroll APIs are also available for neobanks and commercial banks - to reach at least 50k businesses.

Flux is building the payment network for alternative payments, with a focus on bringing acceptance of all BNPL options to on-site merchants so they can max their client's buying power. Flux provides an instant-issuing and payment acceptance solution for consumer credit products, and a payment terminal for alternative credit (non-card) for retailers.

Drip combines the best of Pix and a credit card. We enable customers to pay with credit and earn 2%+ cashback with the speed and widespread acceptance of Pix. Through our app customers can onboard, shop nearly anywhere and manage their payments. We're enabling transactions via Pix's existing network (85%+ of e-comm).

At Streak, we are building a new age personalized & gamified banking solution for teenagers. We are a fast-paced edu-fintech startup working towards redefining children and teenagers' relationship with money.

GuruHotel is Shopify for the hotel industry. Independent hotels use our software to rebuild their hotel website, drive more direct bookings from online travel agencies (OTAs), and generate 30% more revenue. We have decades of experience building products and leading companies in the hotel industry, including founding and selling LastRoom, the HotelTonight for LATAM. That’s where we learned that 73% of people who find a hotel room on Booking.com or Expedia also check the hotel website to see if the price is cheaper. Independent hotels are missing these opportunities because they haven’t figured out that they should offer extras, discounts, and better user experience in order to drive bookings on their websites to avoid paying 15-25% commissions to OTAs. We help them automate all of this. Why now - Shopify did this for e-commerce allowing them to pull their content from Amazon - we will do this for hotels allowing them to gain freedom from Booking and Expedia.

We have taken an incredibly monopolized, overpriced, asset-heavy industry and flipped it on its head by providing a better, modern, affordable alternative with more functionality on a SaaS model.

Dapi is a developer platform designed for fintech and web3 companies. We build APIs for universal open banking, enabling seamless connections to any bank in the world, and provide seamless stablecoin on/off ramps. Dapi is dedicated to building the next generation of global financial infrastructure, empowering developers to easily connect to banks, move, and store money globally.

We are Square for Latin America and target 10M neighborhood corner stores. Merchants in México are underbanked and have little financial data, making it difficult to access traditional loans. We digitize Merchants with a Point of sale system. It allows them to run their business more efficiently and apply for loans based on their cash flow and inventory.

Enabling merchants and consumers to offer flexibility at the point of sale

HQ in Namibia and Zambia, Jabu is a fintech startup providing digital wallet solutions to streamline transactions in Africa's cash-dominated economy, enhancing business efficiency and financial integration.

We are building Flux- Flux is a Mobile App for merchants, freelancers, regular users(P2P) to make and accept payments from their customers anywhere in the world using crypto or fiat. We have built a mobile app that uses the merchants’ phone number, creates a wallet enabling them to receive payments in crypto or fiat without having to go to an exchange or pay expensive fees. Merchants can accept payments in crypto or in fiat. Payments made in Crypto can easily convert into fiat due to the built in fast reconciliation and is made available for spending immediately. Currently the vast majority merchants receive payments in crypto because of two issues (1) Paypal, Venmo, CashApp or Square to not exist in Africa and (2) the local currency fluctuates more than bitcoin due to inflation. But in order for merchants to receive money in crypto and exchange it into fiat they resort to crypto exchange apps and crypto addresses to receive payments which is a very complicated and expensive process. Merchants want to be paid quickly with the lowest amount of fees possible. This is why we are building Flux

Cheqout is a mobile POS for brick & mortar businesses that allows waiters and retail workers to take or accept orders & payments. You can think of it as a hybrid of the Apple Store and WeChat Pay, with both staff and customers using their own devices to facilitate the transaction through QR codes.

Tremendous is a payouts platform, enabling businesses to send money, prepaid cards, and gift cards to people around the world. Used by researchers at Google and MIT, marketers at Casper and Lyft, and institutions like United Way and the Federal Reserve Bank, Tremendous has orchestrated nearly 10 million payouts. Over 4,000 organizations agree: a Tremendous payout is almost as delightful to send as to receive.

Volopay is a modern spend management platform that saves companies time and money by giving visibility & control to every aspect of business spending. With Volopay, finance and accounting teams can control expense requests and approvals, make bill payments (domestic/cross-border), manage company cards, and reconcile all accounting on one platform. Volopay completely eliminates the need for expense reports and reimbursements while giving everyone in the company a card to use. We worked in an offshore dev centre in the past and it took 2 months to get our reimbursements and 4 weeks to make any purchase as there was just one corporate card for the entire company and clunky bill payments solutions offered by the banks. Among our customers are Reddoorz (OYO of South East Asia), Dathena (biggest data security co in Singapore) and Beam (APAC’s leading micro-mobility player).

Through our mobile wallet, we allow consumers to receive, store, and send money through their phones. Virtually all the value propositions of a bank, in just one app.

HUBUC P1 is a lightning-fast global card issuing and processing engine. We call this incredible machine P1 because it's fast, lean, and innovative. We believe it's the best, and you should take it for a test drive here: https://www.hubuc.com/

We are a simple book-keeping app, to help 30M micro SMEs run their finances digitally. I was visiting Pakistan. 1-day, asked our local store owner on plans for his next location. His response, 'never'. Since business operations & money flow are manual, he worked 16 hours / 7 days to minimize theft. Zero time with family. We got obsessed with identifying how we can help small business owners run their business and have a life. Everything in Pakistan is manual, store credit, sales, purchasing inventory, cash management, tax filings, payments, etc. This idea got us hooked as it allows us to build a large company and have a huge impact on ~30M small businesses in Pakistan that contribute 74% of the overall GDP. Explosion in 4G adoption (91M 4G subscribers, 720% growth in 5 years), is helping drive product market fit: i. >1M downloads ii. 4.6 star rating on Playstore & Appstore iii. MAUs & GTV: get in touch :)

We're providing payment rails to help African merchants and consumers easily pay their suppliers abroad.

Afriex makes it easy for immigrants to send money home. We offer instant, no-fee remittances to over 7 countries around the world.

Waza is the B2B platform for global payments and emerging market trade. We make it easy and affordable for businesses with no access to USD to fulfil their global payment obligations, treasury and liquidity needs.

We're building a payment gateway orchestrator coupled with a managed gateway solution so businesses in India & SEA can go international easily. We abstract out the complexities of compliance, remittance and integration for these merchants by running all that machinery in the background.

Send, spend, save, and earn money via stablecoins.

JustPaid.io is the AI financial automation invoicing and bill pay you wish you had earlier: - We are modernizing revenue collections for small and mid-size companies. We automate manual tasks and streamline workflows to unlock financial insights, invoice with AI, and accelerate the monthly close process. Are you a small or midsize business managing large amounts of monthly transactions? If you are we can help. - Within the platform, our AI-powered financial engine automates invoicing and bill pay. Collect from customers and pay bills on time. 📈 - Using Stripe? Using Quickbooks, NetSuite, Bill.com or Brex? We plug right in and make things simple, performing an entire data sync free for new customers. Migrate from hard-to-use and legacy revenue software to JustPaid for your revenue and bill pay needs. - Need help? Email us at sales@justpaid.io and schedule a demo today. ------ Our values: We are always asking ourselves, how can we make a company's team's life easier to help them scale through financial technology? - We don’t settle. - We are passionate. - We are serial entrepreneurs. We aim to make a dent in the universe

Capi Money helps businesses in Africa pay their international suppliers. Goods importers in Africa pay up to 10% to settle invoices and wait weeks for payments to arrive. We’re on a mission to give businesses in Africa the same price and speed as we expect in the US and Europe.

Dots is a developer-friendly API that lets businesses pay their contractors through just a few lines of code. Whether its gig workers like Uber drivers, sellers on marketplaces like Etsy, or simply your local handyman - Dots’ abstracts away the complexity of payouts completely. We manage the entire process: information collection (KYC), payments through any rail (ACH, Venmo, CashApp, Zelle, international, and many more to come), and even filing tax forms! Dots lets developers get payouts up and running over just a few hours, rather than the many months this would normally take.

Akudo is a digital bank for teenagers in India that gets them their own sleek, personalized prepaid card that they can use independently, helps them save money and gives them exciting rewards under a gamified setup when they're good at their personal finance. We are crafting the concept of "Learning-first Banking" where financial learning is seamlessly intertwined with full scale banking.

Palla enables instant P2P payments from the US to other countries, a $65BN a year market. Sending and receiving remittances today is slow, time consuming and inconvenient for all parties, as it's a mostly cash based process. With Palla, senders in the US can do it in a few taps of their phone and receivers get their money in seconds.

Rio lets users buy and sell crypto and stablecoins in 5 minutes or less, using local payment methods in LATAM. We've built simple payment APIs and an iFrame so that companies can integrate them, and create better and more efficient products for LATAM users (ex. cross-border payments, wallets, remittances, etc.).

Rebill is the ultimate cross-border payment platform for startups scaling in Latin America. With our software and API, startups integrate over 100 local payment methods, increasing their payment approval rate by 20%, and expanding across the region 10 times faster and at a lower cost.

Magic is the next-generation platform for payments, loyalty, and rewards.

Nomod is a financial services software business based in London. Our payment processing apps replace legacy card terminals allowing merchants to process in-person and online payments on their iOS or Android device with no extra hardware. Our differentiated approach directly serves the merchant and scales rapidly across geographies and verticals.

Patika helps small businesses in Africa to collect the 35% of their revenue that is not paid upfront. Typically, small businesses use pen and paper to track customer debts and phone calls to collect, but now they can use our smartphone application to automate this process. Our businesses, who used to lose 9% of their sales to non payment and had 16% paid late, now not only collect these customer debts 3x faster but have also getting paid 25% more. We aim to reach 50M small businesses in Africa - a $5B+ market. Sidney and Phelix, who met 10 years ago at a leadership program by Mastercard and Equity Bank, are technical founders with 5+ years experience working together to build payments platforms that processed $10M monthly GTV across Kenya, Uganda & Nigeria.

We, at JoinSub, are empowering the Indian small and medium retailers to drive repeat purchases & maximize their revenue by building a subscription-based model. India has over 14 million retail outlets, and we are poised to revolutionize the Retail Sector and enhance the buying experience both for retailers and consumers. We are dedicated to co-creating a community of futuristic retailers who are ready to embrace tech for growth. Our Subscription Programs work wonderfully for everyone who is looking to drive repurchases, right from those in the F&B industry, to Salons, Nail Salons, Spas, Gyms, Yoga & Dance Studios, Coffee Shops, Bakeries, Dry Cleaners, Florists, etc. We can help you delight your consumers and accelerate your business, the JoinSub Way!

HitPay is a no-code, full-stack commerce infrastructure for every small business. We empower SMBs — who often have limited coding skills and resources — to accept in-person and online payments in just five minutes. Our all-in-one platform helps merchants process payments on any sales channel, with payment solutions including a free website builder, POS system, recurring billing, payment links, invoicing, payment APIs, and the widest range of no-code e-commerce integrations

Memberstack makes it easy to add user accounts and recurring payments to static websites, Webflow, Squarespace, and more! We’ve helped 1000+ companies generate millions in recurring revenue, and we’re just getting started 😁 If we succeed, Memberstack will enable hundreds of thousands of people to create powerful web apps and massive online businesses. Memberstack is backed by some incredible leaders, advisors, and investors who helped build the companies we use every day. Check the link for more info 👇 https://www.memberstack.com/blog/1000-customers-and-fundraise

All-in-one spend management for businesses in Latam. We give customers tools for bill payments, automated local transfers and corporate cards.

Request allows companies & people to pay and get paid in cryptocurrencies by relying on the most innovative payment request technology. On top of it, apps such as Request Invoicing allow professionals to send proper crypto invoices and get paid in a click. Adoption for this app is growing at an impressive rate as we can see here https://req.network

Infinity is a banking and payments platform for cross-border businesses in India. We help our customers make cross-border payments that are 70% cheaper than traditional methods and earn income on idle cash by investing in government securities.

Tola is the simple tool for SMBs to pay bills and get paid. On top of that, we help companies better manage their cashflow by allowing them to buy now and pay later expensive bills in exchange for a small fee.

Striga is building infrastructure for digital assets and financial services as a single set of APIs doing the heavy lifting of security and regulatory compliance. Striga's customers include early stage FinTech's, Web3 innovators, Banking Institutions and Crypto Exchanges utilizing services spanning the range of Crypto Custody, Trading, Card Issuing and Banking. Building a crypto business today is a highly regulated space unlike a few years ago and maintaining a compliance program and building technology presents a huge barrier to entry for startups and mid-size businesses alike and the Striga platform solves the problem with a single set of APIs and a single contract to deliver services to 30 countries today.

Flex is a payment platform for businesses to accept HSA/FSA cards, unlocking the $120B per year sitting in HSA/FSA accounts. We offer a prebuilt, hosted checkout page or UI building blocks to integrate HSA/FSA payments directly into your existing payments flow.

VaultPay is a platform enabling financial institutions to transform local businesses into bank agents. Imagine a grocery store in a remote African mining region. Instead of miners traveling far to a bank to get their salary, with VaultPay, they can access their earnings and shop at the same store, boosting convenience for customers and cutting costs for banks.

Upflow is building high-quality software to help mid-market B2B companies improve their cash collection and grow profitably. B2B payment remains super painful for both suppliers and customers in 2023. Through a one-click integration with major financial software (Netsuite, Sage Intacct, Quickbooks) it provides finance and business teams with: 1. A better understanding of their cash collection performance through powerful analytics 2. An intuitive platform for all teams (finance, sales, success) to collaborate around cash collection, turning archaic spreadsheet processes into systematic, personalized cash collection processes. 3. A platform to bring modern payment methods to customers and recreate a consumer-like checkout experience with one click payment. Overall, Upflow drastically improve cash collection rates and turn revenues into cash in the bank faster, simpler. The best B2B tech companies, such as Front, Lattice, ProductBoard, rely on Upflow to manage their cash collection. If you're a CFO, Controller, or Finance Ops, check out our free Discover product to run an audit of your cash collection in 5 min: https://insights.upflow.io/en/discover-upflow

Charityvest is the modern donor-advised fund, for individuals and corporations. - Make tax-smart contributions of cash, stock, crypto, equity and more to your DAF. - Invest your charitable balance for tax-free growth with low-cost ETFs. - Send grants to 1.4 million charities with a few clicks. - Receive one tax receipt for all of your giving.

Alaan is an AI-powered expense management platform for businesses in the Middle East. We help businesses instantly issue corporate cards for employees, control their spending, and automate receipts. Our mission is to simplify finance for businesses in the Middle East and help them prosper. We have grown rapidly and now work with over 500 startups, mid-market, and enterprise customers across various industries, doing tens of millions of dollars in payment volume. We've been default alive since our launch in August 2022 (averaging ~20% monthly net revenue growth in 2023). Check out alaan.com/careers if you want to join us!

We process cash-based microtransactions across Africa's informal sector, an example of microtransaction is payment for bus rides today we help over 300k people make this payment.

Tranch is the modern approach for businesses to be paid upfront, faster and easier. We are the only B2B checkout to offer Pay Now and Pay Later up to 12 months for invoices across the Services sector. We enable Services (law firms, design agencies, etc), software and marketplaces to be paid quicker, upfront and offer their customers flexible payment options including Pay Now and Pay Later from 2 to 12 months. By offering a ‘Pay with Tranch’ checkout businesses can offer a fast and easy way for their end-customers to pay for invoices on their terms. Tranch is backed by leading investors including; Global Founders Capital, Soma Capital, FoundersX and Y Combinator.

Chariot’s a payment option that nonprofits can add to their website, allowing donors to ‘one-click’ give with their Donor Advised Fund. Chariot enables this by creating a network connecting Donor Advised Funds and nonprofits. Charities add our “Pay with DAF” widget to their website/payment page. Donors click the button, log in to their DAF account, and make a payment in 3 clicks. A donor-advised fund (DAF) is a specialized financial account used for the purpose of charitable giving. It allows donors to make a charitable contribution, receive an immediate tax deduction, and then recommend grants (that become donations) to 501(c)3 charities over time.

Account-to-Account payments in Mexico and Chile.

Bridgecard is the card issuer for Africa. We make it easy for any fintech company to offer their customers a card that will carry a Mastercard or Visa logo and will work anywhere in the world. Previously Tunde was building open banking APIs connecting Large banks in Nigeria to fintech companies. He also had to turn down a job at Google to build Bridgecard. Festus the CTO built the loan and retail management app at Trade depot (Salesforce for Africa). We've been working together and sharing the same room for over 10 years now.

Payfura is a fiat<>crypto on/off ramp payment gateway for web3 applications. We are a bridge between fiat and crypto so web3 applications can seamlessly onboard users across different geographies with local payment methods. Key Features: - Currencies supported: 150+ fiat currencies, 100+ crypto currencies. - Regions supported: US, Europe, LATAM, SEA, Africa. - Payment methods: Credit/Debit cards, E-wallets, Bank transfers and many more. - Partner Dashboard: A powerful dashboard for partners to get detailed insights and analytics for their orders - Handle KYC and AML compliances of local regions. - API and SDK integration.

We help companies embed lending services into their software so they can better serve their customers by helping them access capital, increase engagement in their product, improve retention and expand their revenue per user.

Zywa is the first neobank tailored for teenagers in the Middle East and North Africa. Through Zywa, teens are able to spend, receive and manage money without the need for cash, and they can also get rewards and interact with their friends. Using the app, parents can also send money to their kids, which they can spend securely in the safe environment of their parents’ oversight.

Pagaloop helps business owners and persons in Latin America pay, get paid and extend cash flow using credit cards to finance expenses like rent, taxes, payroll and suppliers, via an extended network of relevant partnerships (federal/local governments, AMEX, HSBC, schools and universities, etc.). The Company provides a service in which a payment is made to a third party (that would typically not accept credit card as a payment method) in exchange for a fee of 4.7% (+ taxes). Additionally, Pagaloop offers payments in 3, 6, 9 or 12 months with an extremely accessible commission. All of those solutions without taking any underwriting risk, which remains at the issuer of the credit line.

Vendy Inc, a cutting-edge Financial Technology company registered in the U.S, and operating out of Nigeria, is on a mission to drive financial honesty in Africa. Vendy simplifies payment acceptance for businesses operating in Africa with its unified payment interface (UPI).

OneText is disrupting SMS marketing and payments. We win incremental sales for direct to consumer brands by making every purchase as effortless as paying with your hotel room number. OneText shoppers literally reply and buy with one text. In our first year, we’ve onboarded 50 fast-growing e-commerce brands and have added as much as 14% in incremental revenue to their bottom lines. In March, we generated $597,000 dollars in payments. In April, we’ll book $50,000 dollars in revenue. Founders Jonathan Fudem/CEO and Daniel Brain/CTO met at PayPal Checkout where we designed and launched some of the world’s best checkout experiences. We left PayPal to build a payments company that actually helps merchants acquire customers and win sales. The CMO of our largest customer, a $90M clothing brand, says we have revolutionized marketing for his company, and are, quote: “the best thing that’s happened to SMS marketing in forever.” We are excited to share what you can do with OneText.

Dripos is the only piece of software a coffee shop needs to run their business. We offer point of sale, employee scheduling, mobile ordering, and more to the 100,000 cafes in the United States.

Kinside powers bookings and payments for the $648B care economy. We’ve started with child care, a $136B category that despite being an essential and evergreen service, remains an undigitized space, driven mostly by cash.

Arrow makes it easier and faster for sellers and shoppers to safely sell and buy online in Southeast Asia. It is first in Southeast Asia to provide brands a better, more profitable checkout experience for their shoppers. Arrow was created to partner with merchants to build consistent and seamless hyperlocal checkout experiences wherever their shoppers come across their brands.  Shoppers checkout securely with their preferred payment methods. They no longer have to set up new passwords, face multiple redirects or set up a new account every time they shop. Built specifically for Southeast Asia, Arrow works anywhere that shoppers prefer to shop from. Southeast Asian shoppers love the simple and hassle-free solution since almost everyone in this region shops on their mobile devices. With Arrow, merchants sell more of what they are selling; and shoppers conveniently and easily checkout wherever they shop.

BlueHill is like a marketplace for payment processors. Our product is an intelligent gateway routing platform that automatically reduces transaction fees on everyday credit card transactions by routing transactions to different gateways based on a variety of parameters. This allows merchants to get access to a wider variety of alternative payment methods while lowering their fees, improving transaction clearance rate all while still getting lower processing rates.

San Francisco-based BillForward a YCombinator company is comprised of talented and passionate folks who are excited by the challenges and opportunities of subscription billing. We offer a flexible and innovative billing platform, which gives any type of recurring-payment based businesses the ability to bill customers for sophisticated products and carry out in-depth revenue analysis. Launched in Jan 2013 the platform has already gained great traction in the Telecoms, SaaS, Product as Service and Platform as a Service industries, where product managers and CFO’s have realized that the ability to change their offering in hours, rather than weeks, can give them an edge on the competition.

Safepay provides a single integrated payments solution that interoperates with local and international payment options. Our current focus is to serve businesses and individuals in Pakistan and neighboring economies.

🔮 We built Method to propel consumer finance into the next decade. Method’s APIs are redefining financial connectivity with real-time, read-write, and frictionless access to all consumer liability data with integrated payment rails. The composability of our APIs and robust integrations into 10,000+ financial institutions allows lenders, fintechs, and other financial institutions to build products that unlock a level of autonomy never before harnessed by consumers. We have helped 2+ million users connect 15+ million liability accounts, save them millions in interest and fees, and get them access to billions of dollars in personalized loans. We have partnered with 60+ financial institutions - including Bilt Rewards, SoFi, PenFed, Figure, Happy Money and Aven - to deliver frictionless, personalized and engaging user experiences. We are backed by investors and advisors from Andreessen Horowitz, Y Combinator, SV Angel, Ardent Ventures, Abstract Ventures, Truist Ventures, Truebill, Upstart, and more.

Whiz revolutionizes the way you manage finances, providing innovative solutions for a wealthier future—where your money earns more, fully insured by Indonesia Deposit Insurance Corporation (IDIC). Join us on this journey toward financial empowerment.

Peakflo with its simple API and one-click ERP integrations, allows businesses to streamline their invoice-to-cash and procure-to-pay processes. 100+ companies, from scale-ups to enterprises, use Peakflo each to: - Save 2000 man-hours/month on finance ops - Get paid faster on customer invoices by 15-25 days - Cut vendor bill payment time by 50% - Automate three-way matching

Accept and reconcile B2B payments seamlessly.

Forage is a mission-driven payments company that helps businesses accept government benefits through a single, unified API. Today, over 42 million Americans receive government assistance (ex: Supplemental Nutrition Assistance Program, or SNAP) to buy groceries. Starting with enabling EBT SNAP online, Forage builds the financial infrastructure empowering businesses to serve these shoppers online.

Swift is building instant international payments to replace the archaic correspondent banking infrastructure. Our first product is an instant deposit API for brokerages and digital banks, eliminating the legacy 2-3 day ACH process and associated fraud risk.