Citi Ventures

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

Finmo offers a cloud-based platform streamlining global payments and financial operations. It enables businesses to manage cross-border payments, hold funds in multiple currencies, automate cash flow forecasting, and expand into new markets with ease.

SeQura provides an eCommerce payment solution for retailers that improves conversion and secures certainty of payment. The company offers a range of payment methods, including Pay Now, Buy Now Pay Later, and Pay in 3. Founded in 2013 and headquartered in Barcelona, Spain, SeQura delivers flexible and accessible credit payment services across diverse sectors to boost customer acquisition, conversion, and retention. It uses risk scoring to extend credit access to underserved shoppers and provides tailored services for different industries, including options such as interest-free credit and installments, enabling businesses to optimize sales and appeal to value-conscious shoppers with convenient payment experiences.

Finix develops a B2B payment processing platform that enables businesses to own, manage, and monetize their payments. The platform uses modular architecture and real-time tracking to consolidate payment data and facilitate global money transfers.

DailyPay is a worktech company specializing in earned wage access solutions. It uses an award-winning platform to help employers strengthen employee relationships while supporting workers' financial well-being outside the workplace.

Paywatch is a company that has developed a platform allowing employees to access their earned wages before the official payday. By partnering with major banks, Paywatch facilitates low-cost financing for workers seeking immediate access to their earnings. The platform assesses how much work an employee has completed and allows them to withdraw funds accordingly. This service not only provides quick financial relief but also aids employees in becoming banked, establishing credit, and achieving financial stability. Through its innovative approach, Paywatch aims to empower workers to lead healthier financial lives.

PPRO is a fintech company specializing in digital payments infrastructure, enabling businesses and banks to streamline their payment processes through a single connection. The company offers a comprehensive platform that includes credit card processing, alternative payment methods, local cash collection, e-money accounts, and e-wallet facilities. PPRO's solutions allow payment platforms, acquirers, and merchants to access essential services, such as fraud screening tools, without the need for complex coding. Its orchestration layer efficiently manages process flows and data, ensuring that partners can deliver seamless end-to-end services to their customers. Notable clients, including Citi, PayPal, and Stripe, utilize PPRO's infrastructure to enhance their operations, improve conversion rates, and simplify the complexities associated with digital payments.

DailyPay is a worktech company specializing in earned wage access solutions. It uses an award-winning platform to help employers strengthen employee relationships while supporting workers' financial well-being outside the workplace.

Supra is a fintech company that specializes in providing cross-border payment and treasury solutions for businesses engaged in international trade. Its platform caters to companies of all sizes, enabling seamless transactions in multiple currencies. By offering services that facilitate foreign exchange and manage international treasury operations, Supra supports small and medium-sized businesses in navigating the complexities of global commerce. The company's focus on streamlined payment processes allows its clients to efficiently pay or receive payments across borders, enhancing their ability to operate in a competitive international market.

Icon Solutions Ltd., founded in 2009 and based in London, is an IT consultancy that specializes in payment platforms and enterprise software for the financial services sector. The company combines consultancy expertise, project delivery experience, and in-depth knowledge of technology to address its clients' challenges. Icon Solutions is recognized for its proficiency in instant payments and has a proven track record in delivering critical banking systems, fostering long-term relationships with major global financial institutions. The firm focuses on innovating technology within finance while minimizing complexity, working to seamlessly integrate modern technologies with legacy systems. By prioritizing optimal and flexible solutions, Icon Solutions aims to enhance operational efficiency for its clients, ultimately helping them reduce costs and increase revenues.

Defacto is a fintech company that specializes in providing credit infrastructure through an API aimed at small and medium-sized enterprises. The company has developed an invoice financing platform that addresses the working capital needs of businesses engaged in B2B transactions. This platform enables companies to finance their invoices and offers the flexibility to repay loans when their customers settle their payments. By facilitating early payments to suppliers and automating payout and reconciliation processes, Defacto helps businesses manage their cash flow efficiently and streamline their financial operations.

Volante Technologies, Inc. is a global financial technology company specializing in payments and financial messaging automation. Founded in 2001 and headquartered in Jersey City, New Jersey, the company provides a suite of services including VolPay, which accelerates payments innovation and digital transformation, and Volante Designer, aimed at simplifying financial messaging and data integration. Volante's solutions encompass payments modernization, real-time payment processing, message translation, and financial messaging services, addressing the complexities involved in these areas. With over 85 clients across 26 countries, Volante Technologies enables financial institutions and corporates to enhance their business agility, respond effectively to evolving market demands, and complete projects rapidly while minimizing disruptions to their core systems. Its extensive library of international and domestic message standards further supports clients in navigating the landscape of digital payments and financial messaging.

Volante Technologies, Inc. is a global financial technology company specializing in payments and financial messaging automation. Founded in 2001 and headquartered in Jersey City, New Jersey, the company provides a suite of services including VolPay, which accelerates payments innovation and digital transformation, and Volante Designer, aimed at simplifying financial messaging and data integration. Volante's solutions encompass payments modernization, real-time payment processing, message translation, and financial messaging services, addressing the complexities involved in these areas. With over 85 clients across 26 countries, Volante Technologies enables financial institutions and corporates to enhance their business agility, respond effectively to evolving market demands, and complete projects rapidly while minimizing disruptions to their core systems. Its extensive library of international and domestic message standards further supports clients in navigating the landscape of digital payments and financial messaging.

Defacto is a fintech company that specializes in providing credit infrastructure through an API aimed at small and medium-sized enterprises. The company has developed an invoice financing platform that addresses the working capital needs of businesses engaged in B2B transactions. This platform enables companies to finance their invoices and offers the flexibility to repay loans when their customers settle their payments. By facilitating early payments to suppliers and automating payout and reconciliation processes, Defacto helps businesses manage their cash flow efficiently and streamline their financial operations.

Clara is a Latin American fintech company specializing in corporate spending management. It offers locally-issued corporate cards, bill pay services, financing solutions, and a software platform designed to streamline expense reporting and provide real-time insights into spending.

Banked operates a global payments platform that connects bank account data to third-party applications through secure APIs, enabling real-time, low-cost account-to-account payments. The platform supports bank account connections, spending analysis, balance and income verification, and consent-driven data sharing, allowing clients to access and use bank data across a wide range of apps while maintaining control and privacy. Founded in 2018 and based in London, Banked positions itself as a global payments network that supports flexible payment workflows for individuals, businesses, and financial institutions.

SeQura provides an eCommerce payment solution for retailers that improves conversion and secures certainty of payment. The company offers a range of payment methods, including Pay Now, Buy Now Pay Later, and Pay in 3. Founded in 2013 and headquartered in Barcelona, Spain, SeQura delivers flexible and accessible credit payment services across diverse sectors to boost customer acquisition, conversion, and retention. It uses risk scoring to extend credit access to underserved shoppers and provides tailored services for different industries, including options such as interest-free credit and installments, enabling businesses to optimize sales and appeal to value-conscious shoppers with convenient payment experiences.

Fidel API is a financial infrastructure platform that allows developers to create programmable experiences during transaction events on payment cards. Established in 2018 and headquartered in London, with additional offices in Lisbon and New York, Fidel API provides tools that enhance interactions between merchants and consumers by facilitating real-time, event-driven engagements. The platform is designed to integrate seamlessly with major payment networks, such as Visa and Mastercard, to deliver detailed transaction data, including amount, location, date, and merchant. This capability supports improved marketing strategies and customer engagement through tailored loyalty and rewards programs, as well as streamlined processes for reimbursements and expense management. The company serves a diverse clientele, ranging from startups to large enterprises, and has established partnerships with prominent firms across various sectors.

ChargeAfter Ltd is a financing platform founded in 2017, headquartered in Ramat Gan, Israel, with additional offices in Sunnyvale, California, and New York, New York. The company specializes in connecting retailers with multiple lenders to provide consumers with personalized, responsible financing options at the point of sale. Its platform utilizes a data-driven decisioning engine to streamline the approval process, enabling merchants to deliver relevant financing offers based on individual credit profiles. ChargeAfter's solution allows retailers to implement financing options quickly across both online and in-store channels, enhancing customer experiences while improving conversion rates and average order value. The platform also features an easy-to-use merchant dashboard, detailed transaction reporting, and options for white-label integration, thereby supporting lenders in expanding their reach within new retail markets.

Arcus Financial Intelligence, Inc. is a New York-based company that develops and operates a comprehensive application program interface (API) platform tailored for banks and financial institutions. Founded in 2012 and formerly known as Regalii Inc., Arcus specializes in managing consumer bills and financial data. Its platform enables real-time bill management and payment services, providing users with a detailed overview of their financial obligations, including the number of bills, amounts owed, and due dates. Additionally, Arcus offers a multi-rail payment platform that facilitates accessible payment solutions for businesses, supporting various payment methods such as account-to-account transfers and cash transactions.

Volante Technologies, Inc. is a global financial technology company specializing in payments and financial messaging automation. Founded in 2001 and headquartered in Jersey City, New Jersey, the company provides a suite of services including VolPay, which accelerates payments innovation and digital transformation, and Volante Designer, aimed at simplifying financial messaging and data integration. Volante's solutions encompass payments modernization, real-time payment processing, message translation, and financial messaging services, addressing the complexities involved in these areas. With over 85 clients across 26 countries, Volante Technologies enables financial institutions and corporates to enhance their business agility, respond effectively to evolving market demands, and complete projects rapidly while minimizing disruptions to their core systems. Its extensive library of international and domestic message standards further supports clients in navigating the landscape of digital payments and financial messaging.

PPRO is a fintech company specializing in digital payments infrastructure, enabling businesses and banks to streamline their payment processes through a single connection. The company offers a comprehensive platform that includes credit card processing, alternative payment methods, local cash collection, e-money accounts, and e-wallet facilities. PPRO's solutions allow payment platforms, acquirers, and merchants to access essential services, such as fraud screening tools, without the need for complex coding. Its orchestration layer efficiently manages process flows and data, ensuring that partners can deliver seamless end-to-end services to their customers. Notable clients, including Citi, PayPal, and Stripe, utilize PPRO's infrastructure to enhance their operations, improve conversion rates, and simplify the complexities associated with digital payments.

Fidel API is a financial infrastructure platform that allows developers to create programmable experiences during transaction events on payment cards. Established in 2018 and headquartered in London, with additional offices in Lisbon and New York, Fidel API provides tools that enhance interactions between merchants and consumers by facilitating real-time, event-driven engagements. The platform is designed to integrate seamlessly with major payment networks, such as Visa and Mastercard, to deliver detailed transaction data, including amount, location, date, and merchant. This capability supports improved marketing strategies and customer engagement through tailored loyalty and rewards programs, as well as streamlined processes for reimbursements and expense management. The company serves a diverse clientele, ranging from startups to large enterprises, and has established partnerships with prominent firms across various sectors.

PPRO is a fintech company specializing in digital payments infrastructure, enabling businesses and banks to streamline their payment processes through a single connection. The company offers a comprehensive platform that includes credit card processing, alternative payment methods, local cash collection, e-money accounts, and e-wallet facilities. PPRO's solutions allow payment platforms, acquirers, and merchants to access essential services, such as fraud screening tools, without the need for complex coding. Its orchestration layer efficiently manages process flows and data, ensuring that partners can deliver seamless end-to-end services to their customers. Notable clients, including Citi, PayPal, and Stripe, utilize PPRO's infrastructure to enhance their operations, improve conversion rates, and simplify the complexities associated with digital payments.

Cobalt is a financial technology company that offers critical risk and data services to participants in the foreign exchange (FX) market, while also extending its regulatory compliant solutions to the digital asset sector. Additionally, Cobalt provides high-risk payments and funding services tailored for small businesses across various industries, including hospitality, automotive, e-commerce, and retail. Through its innovative services, Cobalt aims to address the unique challenges faced by these sectors in managing risk and facilitating transactions.

FastPay is a company that specializes in providing liquidity and payment solutions tailored for the global media industry. It has facilitated over $20 billion in loans and business-to-business payments since its inception. The company has developed a payment platform that automates the media payment process for various stakeholders, including agencies, advertisers, and suppliers. FastPay's services include a proprietary media database, media dashboards, and integration with accounting systems, which help clients manage payment follow-ups and relationships more effectively. By addressing inefficient payment processes and long payment terms, FastPay enhances operational efficiency for its clients in the media landscape.

Interstellar is a technology company specializing in international payments. It leverages the Stellar blockchain network to deliver faster, cheaper, and more reliable global financial solutions.

Joist is a mobile application designed for contractors, enabling them to estimate projects, invoice clients, collect payments, and manage their work from their iPhone, iPad, or the web. The platform allows users to create professional estimates and invoices by incorporating company logos and building a list of frequently used items for quick reference. Joist facilitates rapid calculation of estimates, which can be printed or emailed on the spot, and enables conversion of estimates into invoices. Users can also record payments immediately and manage client information efficiently. Additionally, the application supports exporting all data to preferred accounting systems, streamlining financial management for contractors across various industries.

Founded in 2009, Block is a technology company specializing in financial services. It offers payment services to merchants and operates Cash App, a person-to-person payment network.

Plastic Jungle (www.plasticjungle.com) is the web's largest secured gift card exchange, giving consumers the choice and flexibility to convert their gift cards into other forms of spending power including cash, online balances to use for purchases at the millions of merchants that accept PayPal, Facebook Credits, and more and to stretch their shopping dollars at their favorite merchants. Plastic Jungle's patent-pending marketplace and payment applications aim to safely unlock the estimated $30 billion in unredeemed gift cards trapped in the economy for the benefit of consumers and merchants alike. Based in San Jose, California, the company is privately held, with venture backing from Shasta Ventures, Redpoint Ventures, Jafco Ventures, First Round Capital, Bay Partners, Harrison Metal and Western Technology Investment.

Live By Touch Holdings Ltd. provides electronic payment terminal with biometrics authentication system which recognizes the fingerprint and take money from the respective bank accounts.

Revolution Money is a financial services company focused on disrupting traditional credit card companies and digital payment platforms. It offers a unique credit card, the RevolutionCard, which utilizes PIN activation instead of signatures, enhancing security by allowing the card to be printed without personally identifiable information. This innovative approach aims to reduce identity theft and lower processing fees through an internet-based transaction system. Additionally, Revolution Money provides MoneyExchange, a service that enables users to transfer funds between one another, with the added benefit of accessing these funds via a debit/ATM card. Transfers between account holders are free, promoting seamless transactions. The company is partially owned by Revolution, LLC, an investment firm founded by Steve Case, and is supported by a board comprising notable figures from the financial industry.

Obopay is a mobile payment service provider that enables consumers and businesses to conduct financial transactions using their mobile phones. The company offers a mobile application, text message capabilities, and mobile web access, allowing users to purchase, pay, and transfer money seamlessly. Obopay's services are compatible with any mobile phone and carrier in the United States, and its prepaid MasterCard can be used at any merchant that accepts MasterCard debit cards. The company has established partnerships with several financial and telecommunications entities, enhancing its service offerings. Additionally, Obopay has a wholly owned subsidiary in India, which began operations in March 2008 and has formed partnerships with local banks and telecom providers to extend its reach in the Indian market.

Revolution Money is a financial services company focused on disrupting traditional credit card companies and digital payment platforms. It offers a unique credit card, the RevolutionCard, which utilizes PIN activation instead of signatures, enhancing security by allowing the card to be printed without personally identifiable information. This innovative approach aims to reduce identity theft and lower processing fees through an internet-based transaction system. Additionally, Revolution Money provides MoneyExchange, a service that enables users to transfer funds between one another, with the added benefit of accessing these funds via a debit/ATM card. Transfers between account holders are free, promoting seamless transactions. The company is partially owned by Revolution, LLC, an investment firm founded by Steve Case, and is supported by a board comprising notable figures from the financial industry.

Obopay is a mobile payment service provider that enables consumers and businesses to conduct financial transactions using their mobile phones. The company offers a mobile application, text message capabilities, and mobile web access, allowing users to purchase, pay, and transfer money seamlessly. Obopay's services are compatible with any mobile phone and carrier in the United States, and its prepaid MasterCard can be used at any merchant that accepts MasterCard debit cards. The company has established partnerships with several financial and telecommunications entities, enhancing its service offerings. Additionally, Obopay has a wholly owned subsidiary in India, which began operations in March 2008 and has formed partnerships with local banks and telecom providers to extend its reach in the Indian market.

Supra is a fintech company that specializes in providing cross-border payment and treasury solutions for businesses engaged in international trade. Its platform caters to companies of all sizes, enabling seamless transactions in multiple currencies. By offering services that facilitate foreign exchange and manage international treasury operations, Supra supports small and medium-sized businesses in navigating the complexities of global commerce. The company's focus on streamlined payment processes allows its clients to efficiently pay or receive payments across borders, enhancing their ability to operate in a competitive international market.

Supra is a fintech company that specializes in providing cross-border payment and treasury solutions for businesses engaged in international trade. Its platform caters to companies of all sizes, enabling seamless transactions in multiple currencies. By offering services that facilitate foreign exchange and manage international treasury operations, Supra supports small and medium-sized businesses in navigating the complexities of global commerce. The company's focus on streamlined payment processes allows its clients to efficiently pay or receive payments across borders, enhancing their ability to operate in a competitive international market.