Startup Wise Guys

Epoint is a digital payment aggregator and e-commerce platform based in Azerbaijan, tailored for small and medium-sized enterprises. The platform enables businesses to accept bank card payments without incurring additional costs or requiring technical expertise. Epoint offers various features, including downloadable financial reports, transaction logs, a multilingual interface, and support for multiple payment methods such as QR codes and invoices. The company has gained recognition in the startup ecosystem, being a runner-up in the Takeoff international startup competition and a semi-finalist in the Astana Hub Battle. Furthermore, Epoint is the first fintech company from Azerbaijan to participate in the 500 Global program and has received a "Startup Certificate" from the Ministry of Economy, which grants it a three-year exemption from income tax. Through its collaboration with Visa and BDO, Epoint aims to enhance the digital payment landscape for businesses in the region.

Epoint is a digital payment aggregator and e-commerce platform based in Azerbaijan, tailored for small and medium-sized enterprises. The platform enables businesses to accept bank card payments without incurring additional costs or requiring technical expertise. Epoint offers various features, including downloadable financial reports, transaction logs, a multilingual interface, and support for multiple payment methods such as QR codes and invoices. The company has gained recognition in the startup ecosystem, being a runner-up in the Takeoff international startup competition and a semi-finalist in the Astana Hub Battle. Furthermore, Epoint is the first fintech company from Azerbaijan to participate in the 500 Global program and has received a "Startup Certificate" from the Ministry of Economy, which grants it a three-year exemption from income tax. Through its collaboration with Visa and BDO, Epoint aims to enhance the digital payment landscape for businesses in the region.

Torus is a technology company founded by former Mastercard executives, specializing in a cloud-based analytics platform designed to assist banks and payment service providers in managing and optimizing payment scheme fees. By addressing the complexities and frequent changes in fee structures from payment networks like Visa and Mastercard, Torus enables its clients to gain deeper insights into their transaction costs. The platform allows for detailed analysis, reconciliation, and forecasting of fees, leading to potential savings of up to 20%. Through proactive tracking of billing updates and identifying cost-saving opportunities, Torus enhances profitability for card issuers and merchant acquirers, facilitating better product pricing and reducing transactional inefficiencies.

Bunce is a data-driven engagement platform that facilitates automated communication between businesses and their users by leveraging customer behavior, actions, intent, and payment history. It enables businesses to interact through various channels, including email, SMS, and WhatsApp, thereby enhancing the personalization of communication and increasing the likelihood of revenue conversion. Additionally, Bunce offers a revenue management automation and analytics solution that simplifies the tracking and optimization of revenue potential. The platform automates payment events and recovers failed online payments without necessitating coding or significant development efforts, thereby supporting customer retention and growth, particularly for startups.

Akurateco operates a Payment Orchestration Platform that offers a white-label solution for merchants, enabling them to establish a customizable and brandable payment gateway. The platform boasts over 350 connectors to various banks and payment methods worldwide, allowing users to manage multiple payment channels through a single integration. This streamlined approach helps optimize payment processing costs and improve transaction approval rates. In addition to its payment solutions, Akurateco provides managed security services to protect businesses from cyber threats, ensuring compliance with financial and security regulations. With a team of over 40 professionals and offices in the Netherlands, Ukraine, and Portugal, Akurateco leverages its expertise in digital payment technologies to enhance the security and efficiency of its clients' payment processing and information management systems.

TeklifimGelsin operates as a personalized financial platform designed to connect users with various financial institutions, allowing them to compare offers based on individual needs. The platform provides a range of complimentary services, including information on loans, investment products, credit reports, and insurance. Users can complete applications in under 40 seconds, thanks to the platform's digital integrations with banks, credit reference agencies, and insurance companies. By continuously developing its framework, TeklifimGelsin aims to address common challenges in users' financial journeys and enhance overall financial processes.

Tunzaa is an online savings platform designed to enhance the financial habits of unbanked consumers in Africa. It provides a save-now-buy-later infrastructure that allows users to save money and make purchases from a curated selection of trusted merchants. By catering to individuals with average or below-average incomes, Tunzaa facilitates a data-driven marketplace where users can manage their finances more effectively. The platform enables customers to make installment payments directly from their mobile money wallets, allowing them to achieve their purchasing goals at a pace that suits their financial situation.

Abillio is a software-as-a-service platform designed to facilitate cross-border payments and tax compliance for freelancers and independent professionals. The platform allows users to issue invoices globally without the need to establish a formal business entity. By simplifying the process of invoicing and managing contractor payments, Abillio alleviates the burdens of administrative tasks like company registration, accounting, and tax reporting. This enables solopreneurs to focus more on their work while ensuring they comply with necessary financial regulations.

PayQin Ltd. operates an e-wallet platform that simplifies cross-border payments for individuals and small to medium-sized enterprises. Established in 2017 and headquartered in London, the company also has locations in France and Sweden. Its mobile application features a built-in virtual debit card, allowing users to make online payments with low fees and real-time processing. By streamlining the payment process, PayQin enables businesses to concentrate on growth rather than the complexities associated with international transactions.

Tipit develops a financial service technology that enables cashless tipping for customers. It provides direct tipping to employees' personal bank accounts. Tipit is based at Vilnius, Lithuania.

Zofi Cash is a digital financial platform designed to transform the payment cycle for salaried individuals in Africa. Recognizing that waiting a full month for a paycheck can be challenging, Zofi Cash aims to make every day a payday for hardworking employees. The platform offers affordable salary advances, providing financial support to individuals facing emergencies before their scheduled paydays. By facilitating access to loans at low interest rates, Zofi Cash empowers users to manage their financial needs effectively and ensures that they have the resources to navigate unexpected expenses seamlessly.

Kernolab is a fintech company that specializes in providing a platform for businesses to integrate various financial services into their products. This includes features such as accounts, payments, cards, loans, and insurance, all designed to be adaptable, intuitive, and secure. By embedding these financial solutions, Kernolab enables companies to enhance end-user retention and drive revenue growth. The platform aims to simplify the user experience, making it effortless for businesses to offer comprehensive financial products that meet their customers' needs.

Contribee is a content monetization platform designed to assist entrepreneurs and content creators in managing fan subscriptions and unlocking exclusive content. It provides an easy-to-use interface that facilitates instant payouts and integrates personal shops for creators. The platform supports various payment options and includes a content discovery tool for fans, enabling a seamless experience for both creators and their audience. By offering these features, Contribee helps creators, including gamers, artists, and writers, to optimize their monetization efforts, increase profits from contributions, and foster stronger engagement with their supporters.

PayQin Ltd. operates an e-wallet platform that simplifies cross-border payments for individuals and small to medium-sized enterprises. Established in 2017 and headquartered in London, the company also has locations in France and Sweden. Its mobile application features a built-in virtual debit card, allowing users to make online payments with low fees and real-time processing. By streamlining the payment process, PayQin enables businesses to concentrate on growth rather than the complexities associated with international transactions.

Finmap is a financial management tool specifically designed for small and mid-sized businesses, including agencies, service companies, developers, and project-based enterprises. Established in 2018 in London, the company offers a platform that provides real-time visibility into cash flow and financial health, helping clients avoid cash gaps and make informed decisions. Finmap analyzes key financial metrics, such as cash flows and profitability statements, and automates financial management processes through integrations with banks and accounting software. This functionality enables businesses to efficiently set up financial and management accounting, while also optimizing analytical reports with minimal effort.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

Kernolab is a fintech company that specializes in providing a platform for businesses to integrate various financial services into their products. This includes features such as accounts, payments, cards, loans, and insurance, all designed to be adaptable, intuitive, and secure. By embedding these financial solutions, Kernolab enables companies to enhance end-user retention and drive revenue growth. The platform aims to simplify the user experience, making it effortless for businesses to offer comprehensive financial products that meet their customers' needs.

Torus is a technology company founded by former Mastercard executives, specializing in a cloud-based analytics platform designed to assist banks and payment service providers in managing and optimizing payment scheme fees. By addressing the complexities and frequent changes in fee structures from payment networks like Visa and Mastercard, Torus enables its clients to gain deeper insights into their transaction costs. The platform allows for detailed analysis, reconciliation, and forecasting of fees, leading to potential savings of up to 20%. Through proactive tracking of billing updates and identifying cost-saving opportunities, Torus enhances profitability for card issuers and merchant acquirers, facilitating better product pricing and reducing transactional inefficiencies.

PAYZE is a technology-driven payment gateway that simplifies the onboarding process for online merchants and enhances the capabilities of online marketplaces. By offering a flexible API, PAYZE allows these marketplaces to establish various payment split schemes, eliminating the need for repeated adjustments or concerns about tax compliance. Their platform supports multiple payment methods, including split payments, email payments, recurring payments, and QR payments, which facilitates faster and more secure transactions for both customers and merchants. This streamlined approach enables businesses to scale their operations without the complexities of managing settlements and accounting across different stakeholders.

Spenfi is a developer of an expense management platform that simplifies the tracking of company expenses by integrating payment cards, subscriptions, and invoices in an organized manner. Founded in 2019 and based in Vilnius, Lithuania, Spenfi provides finance teams with enhanced control over expenditures by tracking purchases from order to payment and allowing the definition of custom budgets for teams or projects. The platform also collects data, receipts, and invoices while enabling the approval of budgets and purchases. Additionally, Spenfi issues both virtual and physical payment cards, facilitating a streamlined process that saves time on repetitive tasks and enhances insights into business expenses.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

Spenfi is a developer of an expense management platform that simplifies the tracking of company expenses by integrating payment cards, subscriptions, and invoices in an organized manner. Founded in 2019 and based in Vilnius, Lithuania, Spenfi provides finance teams with enhanced control over expenditures by tracking purchases from order to payment and allowing the definition of custom budgets for teams or projects. The platform also collects data, receipts, and invoices while enabling the approval of budgets and purchases. Additionally, Spenfi issues both virtual and physical payment cards, facilitating a streamlined process that saves time on repetitive tasks and enhances insights into business expenses.

PayQin Ltd. operates an e-wallet platform that simplifies cross-border payments for individuals and small to medium-sized enterprises. Established in 2017 and headquartered in London, the company also has locations in France and Sweden. Its mobile application features a built-in virtual debit card, allowing users to make online payments with low fees and real-time processing. By streamlining the payment process, PayQin enables businesses to concentrate on growth rather than the complexities associated with international transactions.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

PayQin Ltd. operates an e-wallet platform that simplifies cross-border payments for individuals and small to medium-sized enterprises. Established in 2017 and headquartered in London, the company also has locations in France and Sweden. Its mobile application features a built-in virtual debit card, allowing users to make online payments with low fees and real-time processing. By streamlining the payment process, PayQin enables businesses to concentrate on growth rather than the complexities associated with international transactions.

CoinyPay is a technology company that specializes in chatbot solutions designed for banks and payment service providers. Its services aim to simplify bill payment processes through messenger applications by allowing users to make payments with a single tap confirmation. The company's chatbot not only automates bill payments but also facilitates electronic tipping and ensures secure transactions. By streamlining these processes, CoinyPay enables users to pay their bills more efficiently and with greater convenience.

PayTipTop is a provider of a standalone payment device that enhances the payment experience by enabling seamless single-price transactions. Designed for use with contactless bank cards, the device automates payment actions, allowing customers to make small cash payments or donations effortlessly. It is particularly suited for predefined pricing scenarios, such as charity contributions, tips in hospitality settings, and payments in restaurants. By focusing on making payments enjoyable and efficient, PayTipTop aims to facilitate a cashless environment for users.

Trisbee is a payment solution based in Prague, Czech Republic, founded in 2017 by friends Frantisek and Matej. The company offers a platform that facilitates cashless payments for freelancers and businesses, both online and offline. Users can make payments by card using just a phone number, allowing small businesses to easily accept card payments without the need for paperwork, hardware, or complex contracts. This streamlined approach enables merchants and individuals to conduct transactions efficiently, enhancing the payment experience for both parties.

PayQin Ltd. operates an e-wallet platform that simplifies cross-border payments for individuals and small to medium-sized enterprises. Established in 2017 and headquartered in London, the company also has locations in France and Sweden. Its mobile application features a built-in virtual debit card, allowing users to make online payments with low fees and real-time processing. By streamlining the payment process, PayQin enables businesses to concentrate on growth rather than the complexities associated with international transactions.

bNesis specializes in developing API technology that enables users to integrate applications with a wide range of services, including payment systems, eCommerce platforms, social media, and banking systems. The company offers a unified API that simplifies access to various global and regional services, allowing users to streamline their operations and save time and resources on integration. By providing ready-to-use integration solutions and tools for custom development, bNesis facilitates the automation of tasks between services directly within applications. This technology supports automated credit application processes, where borrowers can easily submit their financial data through bank platforms, enabling quick credit decisions based on detailed analytics from multiple data sources. As a result, banks can improve the accuracy of their credit scoring, reduce bad debts, and enhance the overall user experience in credit applications. bNesis operates from L'Eliana, Spain, and aims to make financial processes more efficient and convenient for institutions and their customers.