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Pliant is a European fintech company based in Berlin, founded in 2020, that specializes in B2B payment solutions. Its modular, API-first platform is designed to streamline spending, improve cash flow, and integrate payments into existing financial workflows, catering particularly to industries with complex payment requirements such as travel and fleet management. Pliant offers services to two main customer segments: businesses seeking to optimize their operational processes through user-friendly applications and APIs, and financial service providers aiming to enhance their credit card offerings via Pliant's embedded finance and white-label solutions. As a licensed e-money institution, Pliant issues Visa-powered credit cards in 11 currencies across more than 30 countries, serving over 3,500 businesses and over 20 partners globally. The platform allows companies to manage expenses and credit limits easily, promoting efficiency and financial flexibility without the need for traditional bank loans.

Stitch is a payments infrastructure company that helps businesses seamlessly connect to the financial system, so they can deliver a better user experience and optimize operations. Headquartered in Cape Town, South Africa, Stitch launched in February 2021 and has global staff. Stitch offers all popular online payment methods and operates as a Payments Service Provider. Its platform supports a variety of pay-in methods and solutions; financial and payment management solutions; and Payouts. Learn more at stitch.money.

Mendel offers a corporate expense management platform that streamlines financial processes for businesses. Its solutions include automated expense tracking, corporate cards, and real-time reporting to improve visibility and control over company spending. The platform integrates with accounting systems and provides analytics for better financial decision-making.

Finmo is a cloud-native financial platform that simplifies global payments and financial operations for businesses of all sizes. It enables users to manage cross-border payments, handle multi-currency funds, and automate cash flow through a single integrated system. The platform provides Global Currency Accounts that allow businesses to hold, pay, and receive funds in various currencies, complete with local bank details to streamline operations and reduce the need for multiple accounts. Finmo connects to local endpoints in major markets, ensuring optimized payment solutions that enhance growth, speed, and cost-effectiveness. With features for real-time expense tracking and cash flow forecasting, Finmo empowers businesses to make informed financial decisions while facilitating seamless transactions worldwide.

Formance specializes in creating and managing complex fund flows within the financial services sector. Its platform provides an open-source financial ledger that allows clients to efficiently track the movement of funds between buyers and sellers. By enabling developers to construct intricate money flows, Formance integrates various financial partners and payment systems into a cohesive infrastructure. This capability not only enhances cash flow management and payment reconciliation but also reduces engineering time and minimizes risk for its users. Through its innovative solutions, Formance empowers software engineers to navigate and optimize diverse financial operations.

Paymob is a digital payments enabler based in Cairo, Egypt, founded in 2015. The company focuses on building payment infrastructure technologies that enhance financial inclusion in the Middle East and Africa (MEA) region. By providing integrated payment services, Paymob helps businesses of all sizes transition from cash to electronic payments, thereby unlocking new opportunities and efficiencies. Its software aims to minimize the risks associated with fraud and theft while speeding up money circulation. By empowering underserved communities with access to a variety of electronic payment and money transfer options, Paymob plays a crucial role in bridging the financial inclusion gap in the region.

Gynger is a payments platform designed specifically for technology purchases, integrating embedded financing to enhance the buying and selling process. By offering flexible payment terms, Gynger allows businesses to make technology acquisitions with greater ease. The platform focuses on sales acceleration by providing custom financing solutions to pre-qualified leads, effectively combining software management with financial services. This enables businesses to improve their sales processes and manage credit more effectively, ultimately enhancing cash flow through tailored financing options.

Pliant is a European fintech company based in Berlin, founded in 2020, that specializes in B2B payment solutions. Its modular, API-first platform is designed to streamline spending, improve cash flow, and integrate payments into existing financial workflows, catering particularly to industries with complex payment requirements such as travel and fleet management. Pliant offers services to two main customer segments: businesses seeking to optimize their operational processes through user-friendly applications and APIs, and financial service providers aiming to enhance their credit card offerings via Pliant's embedded finance and white-label solutions. As a licensed e-money institution, Pliant issues Visa-powered credit cards in 11 currencies across more than 30 countries, serving over 3,500 businesses and over 20 partners globally. The platform allows companies to manage expenses and credit limits easily, promoting efficiency and financial flexibility without the need for traditional bank loans.

Bezahl.de is a financial technology startup that focuses on automating and digitizing the receivables process. Its digital payment management platform streamlines tasks such as invoicing, dunning, and financial accounting, enabling real-time communication with customers regarding payment receipts. The platform enhances internal payment management for businesses, particularly in marketing and automotive sectors, by facilitating automated accounting, payment traceability, and contactless payment options. Additionally, Bezahl.de offers services for invoice digitization and embedded finance, ultimately helping organizations improve efficiency and conserve resources in their payment processes.

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.

Mesh is a company that creates a secure ecosystem for cryptocurrency transactions, facilitating seamless deposits and payments across over 300 exchanges and wallets. It serves as a connectivity layer for various financial services platforms, allowing integration and interaction with multiple currencies and assets. In addition to its focus on cryptocurrency transactions, Mesh's platform supports stock trading and the transfer of crypto across various platforms. The company provides enterprise clients with tools to authenticate access to banks, brokerages, and exchanges, enabling functionalities such as digital asset transfers, crypto payments, account aggregation, and registered securities trading.

Prometeo operates as a leading fintech infrastructure company, providing a marketplace that connects global corporations with financial institutions in Latin America and the United States. The company specializes in creating advanced technological infrastructure through banking Application Programming Interfaces (APIs), offering access to a vast network of over 1,500 connections to more than 1,200 financial institutions across 11 countries. Prometeo's platform simplifies and secures access to banking data, facilitates bank account validation, and enables account-to-account payments. By automating these processes, the company reduces friction and costs for its clients while enhancing financial connectivity. Additionally, Prometeo offers educational tools and money transfer applications to help users better understand their financial behavior and manage their finances effectively.

Tabby Inc. is a financial technology company based in the United Arab Emirates that offers innovative payment solutions for online and offline shopping. The company specializes in a buy now, pay later service, providing consumers in the UAE and Saudi Arabia with flexible payment options. Customers can choose to pay for their purchases either in a single deferred payment or in multiple installments, allowing them to manage their spending and enhance their shopping experience. Through its platform, Tabby aims to reshape the relationship between consumers and money, promoting financial freedom and responsible spending.

Stitch is a payments infrastructure company that helps businesses seamlessly connect to the financial system, so they can deliver a better user experience and optimize operations. Headquartered in Cape Town, South Africa, Stitch launched in February 2021 and has global staff. Stitch offers all popular online payment methods and operates as a Payments Service Provider. Its platform supports a variety of pay-in methods and solutions; financial and payment management solutions; and Payouts. Learn more at stitch.money.

Mintoak Innovations is a software-as-a-service platform that focuses on enhancing payment solutions for banks and merchants. The company collaborates with financial institutions to expand their payment offerings, creating a comprehensive digital payments ecosystem tailored for small to medium enterprises. Mintoak's platform supports various forms of remuneration, both traditional and digital, and is designed to help merchants engage more effectively with their customers. By providing value-added services and tools, Mintoak aims to improve accessibility to financial services and empower businesses in managing their payments more efficiently.

Tazapay offers a trade management platform that enhances cross-border commerce for small and medium-sized businesses (SMBs). By providing essential financial technology tools, Tazapay addresses trust issues faced by SMBs in international trade and payments. The platform features comprehensive payment solutions, including various local payment methods and card options, ensuring buyer and seller protection. Additionally, it allows users to conduct background checks on trade partners and secure payments through digital escrows. Tazapay also provides templated proposals and contracts, which help streamline negotiations and reduce friction in the trading process, ultimately increasing the likelihood of successful transactions.

Tabby Inc. is a financial technology company based in the United Arab Emirates that offers innovative payment solutions for online and offline shopping. The company specializes in a buy now, pay later service, providing consumers in the UAE and Saudi Arabia with flexible payment options. Customers can choose to pay for their purchases either in a single deferred payment or in multiple installments, allowing them to manage their spending and enhance their shopping experience. Through its platform, Tabby aims to reshape the relationship between consumers and money, promoting financial freedom and responsible spending.

Forage is a payments company that enables merchants to accept EBT SNAP payments through a unified API, enhancing access to essential goods for customers utilizing government assistance programs. The company focuses on simplifying the integration of EBT payments in both online and in-person environments, allowing businesses to reach a wider customer base. This approach supports food security initiatives and fosters inclusivity in commerce. Forage also provides ongoing support and resources to assist merchants in effectively utilizing their payment solutions while navigating the regulatory landscape surrounding EBT transactions. By streamlining payment processing, Forage aims to improve the efficiency of government subsidies and promote equitable digital access for communities.

Modulr is a provider of a payments-as-a-service application programming interface platform aimed at enhancing the payment processes for digital businesses. The company focuses on enabling faster, easier, and more reliable money movement through its software-driven solutions. By integrating seamlessly into various products and systems, Modulr automates payment flows and allows businesses to embed payments directly into their platforms. This capability not only streamlines existing services but also facilitates the launch of new payment products and services, ultimately helping businesses improve operational efficiency and enhance customer experiences. Through its innovative approach, Modulr aims to unlock the potential of embedded payments for a wide range of enterprises.

Paymob is a digital payments enabler based in Cairo, Egypt, founded in 2015. The company focuses on building payment infrastructure technologies that enhance financial inclusion in the Middle East and Africa (MEA) region. By providing integrated payment services, Paymob helps businesses of all sizes transition from cash to electronic payments, thereby unlocking new opportunities and efficiencies. Its software aims to minimize the risks associated with fraud and theft while speeding up money circulation. By empowering underserved communities with access to a variety of electronic payment and money transfer options, Paymob plays a crucial role in bridging the financial inclusion gap in the region.

Stitch is a payments infrastructure company that helps businesses seamlessly connect to the financial system, so they can deliver a better user experience and optimize operations. Headquartered in Cape Town, South Africa, Stitch launched in February 2021 and has global staff. Stitch offers all popular online payment methods and operates as a Payments Service Provider. Its platform supports a variety of pay-in methods and solutions; financial and payment management solutions; and Payouts. Learn more at stitch.money.

Paidy Inc. is a Tokyo-based company established in 2008, specializing in a cardless real-time payment network that simplifies online transactions for consumers. Formerly known as Exchange Corporation K.K., the company rebranded in 2018 to reflect its focus on providing an efficient payment solution that does not require credit cards or pre-registration. Paidy's software platform allows users to make purchases online and pay for them through a consolidated monthly bill, leveraging proprietary technology to assess creditworthiness and guarantee payments to merchants. This approach caters particularly to Japanese consumers, many of whom prefer avoiding credit cards for online shopping. By facilitating cardless payments, Paidy helps eCommerce operators enhance their conversion rates, increase average order values, and boost repeat purchases.

Modulr is a provider of a payments-as-a-service application programming interface platform aimed at enhancing the payment processes for digital businesses. The company focuses on enabling faster, easier, and more reliable money movement through its software-driven solutions. By integrating seamlessly into various products and systems, Modulr automates payment flows and allows businesses to embed payments directly into their platforms. This capability not only streamlines existing services but also facilitates the launch of new payment products and services, ultimately helping businesses improve operational efficiency and enhance customer experiences. Through its innovative approach, Modulr aims to unlock the potential of embedded payments for a wide range of enterprises.

Fellow Pay operates an online platform designed to assist small and medium-sized enterprises in obtaining financing and credit. Founded in 2017 and based in Copenhagen, Denmark, the platform allows users to upload invoices, apply for credit, and undergo automatic credit checks. The company focuses on providing innovative financial solutions that empower businesses to reach their full potential.

Pipit Global operates a digital cash collection platform that allows customers to load cash onto eWallets and make cash payments for online orders and bills. The platform caters to individuals who prefer cash transactions, eliminating the need for a bank account or credit card, and thereby reducing the risks of fraud and identity theft. For businesses, Pipit Global provides a secure and efficient method to accept cash payments without the challenges associated with cash collection, reconciliation, and security. The system generates a barcode for transactions, which can be printed or sent to mobile devices, facilitating cross-border bill payments and enhancing the e-commerce experience for both customers and merchants.

Even.com is focused on enhancing financial resilience for employees, addressing the challenges faced by over half of Americans living paycheck to paycheck. The company develops a mobile budgeting application that automatically budgets upcoming bills, allowing users to manage their spending habits effectively. By partnering with employers, Even provides its services as a benefit, which not only supports employees in making ends meet, paying down debt, and saving money but also helps employers improve employee retention. The business operates transparently, ensuring that it profits only when its customers do. Even.com is based in Oakland, California, and Raleigh, North Carolina.

PT Aplikasi Karya Anak Bangsa, commonly known as Gojek, is a mobile application-based platform founded in 2010 and headquartered in Jakarta, Indonesia. The company initially operated a motorcycle taxi fleet but has since evolved into a comprehensive Super App, offering a wide range of services including food delivery, transportation, digital payments, shopping, and various on-demand services such as massages. Launched in 2015, Gojek has rapidly become the largest consumer transactional technology group in Southeast Asia, driven by its commitment to speed, innovation, and social impact. The platform aims to empower the informal sector in the region while catering to diverse markets, including logistics, food, and entertainment.

Paidy Inc. is a Tokyo-based company established in 2008, specializing in a cardless real-time payment network that simplifies online transactions for consumers. Formerly known as Exchange Corporation K.K., the company rebranded in 2018 to reflect its focus on providing an efficient payment solution that does not require credit cards or pre-registration. Paidy's software platform allows users to make purchases online and pay for them through a consolidated monthly bill, leveraging proprietary technology to assess creditworthiness and guarantee payments to merchants. This approach caters particularly to Japanese consumers, many of whom prefer avoiding credit cards for online shopping. By facilitating cardless payments, Paidy helps eCommerce operators enhance their conversion rates, increase average order values, and boost repeat purchases.

Gopay provides third-party payment services focused on payment business, online payment, and mobile payment. In order to meet government’s and corporations’ demands in the course of e-commerce development, Gopay established a third-party e-payment platform with a state-owned background and was added to the social integrity and trust system. Gopay designs different products for different types of e-commerce businesses including B2B payment, B2C payment, city uni-card system, wildcard payment, WAP payment etc. Gopay is a joint venture of China International Electronic Commerce Center (CIECC) of Ministry of Commerce and HNA Retailing Holding. It was founded on January 25, 2011, with 142,857,200 RMB registered capital.

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.

Monese Ltd. is a digital banking alternative founded in 2015 and based in London, United Kingdom. The company offers a mobile-only platform that provides users with a multi-currency account, enabling them to manage their finances efficiently. Monese allows clients to open current accounts quickly, without the credit checks or residency requirements typical of traditional banks. Its services include online banking, local and international payments, and the issuance of debit cards for purchases and cash withdrawals both domestically and internationally. The platform is designed to deliver a fully localized banking experience, encompassing both its applications and customer service, making it accessible for users seeking to shop online, receive salaries, and make purchases seamlessly.

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.

Hyperwallet Systems Inc. is a financial technology company that specializes in providing an online worker payout platform for financial institutions and marketplace companies. Established in 2000 and headquartered in Vancouver, Canada, the company enables organizations to distribute funds across various countries and currencies through its payment platform and settlement network. Hyperwallet offers a diverse array of mass payment options, including branded prepaid cards, direct payments to cards, global bank deposits, cash pickups, virtual prepaid cards, and check delivery services. Additionally, the platform enhances payment experiences for users and promotes worker loyalty by offering integrated financial tools and tax reporting solutions. As of November 2018, Hyperwallet operates as a subsidiary of PayPal Holdings.

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.

iZettle AB is a financial technology company based in Stockholm, Sweden, that specializes in mobile payment services and applications designed for small businesses and entrepreneurs. Founded in 2010, it revolutionized the industry with the introduction of the first mini chip card reader, enabling businesses to accept card payments through smartphones and tablets. iZettle offers a range of products, including the iZettle Card Reader Lite and an application compatible with iOS and Android devices, which facilitate payment processing, business management, sales analytics, and customer engagement. The company serves a diverse clientele across several countries, including Sweden, Norway, Denmark, Finland, the United Kingdom, Germany, Spain, Mexico, the Netherlands, and Brazil. As of 2018, iZettle operates as a subsidiary of PayPal Holdings, Inc.

Toss is a South Korea-based mobile financial service platform developed by the fintech startup Viva Republica, established in 2011 by Seunggun Lee in Seoul. The platform offers a range of services aimed at simplifying financial management for users, including peer-to-peer money transfers, credit score management, and bank account oversight. Additionally, Toss provides access to loan and insurance plans, facilitates bill splitting, and supports QR payments. These features collectively enable users to handle their financial needs efficiently and conveniently.

Xoom Corporation is a digital money transfer service that facilitates consumer-to-consumer transactions globally. Established in 2001 and headquartered in San Francisco, California, Xoom allows users to send money to family and friends across 30 countries, including regions in Latin America, the Philippines, India, Europe, Australia, and South Africa, utilizing its website and mobile application. The company offers a range of services including cross-border bill payments, mobile phone reloading, and instant bank deposits. With its focus on security and cost-effectiveness, Xoom provides various options for money transfers such as cash pickup, bank deposits, and direct online transfers to bank accounts. As a subsidiary of PayPal, Xoom continues to innovate in the international money transfer market, making it easier for consumers to manage their financial transactions from anywhere.

Paydiant, Inc. offers a cloud-based white label mobile wallet platform that allows merchants, banks, and partners to integrate mobile payments, loyalty programs, offers, and ATM cash access into their own branded mobile applications. Founded in 2010 and located in Auburndale, Massachusetts, the company enables its clients to deploy secure mobile wallet solutions tailored to their brand without the need for new intermediaries. Paydiant's patented technology supports the development of customized mobile wallet experiences, facilitating a seamless connection between businesses and their customers. As of April 2015, Paydiant operates as a subsidiary of PayPal Holdings.

Sturgis Web Services specializes in providing customized website solutions for local governments. Their platforms are designed to facilitate secure payments and comprehensive reporting services, allowing citizens to access their bills and information easily. Users can make payments via mobile, web, or in-office options using debit and credit cards, ensuring convenience and security. By modernizing internal processes for government agencies, Sturgis Web Services aims to enhance the overall experience for both local governments and the citizens they serve.

Venmo is a mobile payment platform founded in 2009 by Andrew Kortina and Iqram Magdon-Ismail. It facilitates peer-to-peer transactions, allowing users to share and make payments using their linked bank account or debit card. Venmo also offers a Mastercard-powered debit card for purchases at approved merchants.

Braintree's payment platform provides all the tools online and mobile businesses need to accept payments. Providing the global commerce tools people need to build and grow businesses, Braintree’s global platform powers payments for thousands of online and mobile commerce innovators including Airbnb, Uber, GitHub, Facebook and Pinterest. Merchants in more than 40 countries across North America, Europe, Asia, and Australia can accept, split, and enable payments in more than 130 currencies. Braintree’s SDK powers PayPal, including PayPal One Touch™, Venmo, Apple Pay, Android Pay, credit/debit cards, and Bitcoin across any device. Braintree was acquired by PayPal in 2013.

Boston-based Fig Card allows merchants to accept mobile payments in stores by using a simple USB device that plugs into the cash register or point-of-sale terminal. All the consumer needs is the Fig app on his or her smart phone. The connection with PayPal is that when consumers setup their payment information, they could add PayPal as a payments option. You can see the video below for a demo of Fig Card's technology

Bezahl.de is a financial technology startup that focuses on automating and digitizing the receivables process. Its digital payment management platform streamlines tasks such as invoicing, dunning, and financial accounting, enabling real-time communication with customers regarding payment receipts. The platform enhances internal payment management for businesses, particularly in marketing and automotive sectors, by facilitating automated accounting, payment traceability, and contactless payment options. Additionally, Bezahl.de offers services for invoice digitization and embedded finance, ultimately helping organizations improve efficiency and conserve resources in their payment processes.