Visa

Konnect is an online cross-border payment platform based in Tunis, founded in 2021. The company focuses on simplifying complex financial transactions by offering a variety of secure and cost-effective payment methods. Its platform allows users with email addresses to send and receive payments easily, catering to businesses of all sizes and facilitating their growth through enhanced financial flexibility.

Mynt is a financial partner focused on supporting high-growth small and medium-sized businesses (SMBs). The company offers a digital financing platform that provides business loans and smart corporate credit card solutions, complemented by expense management and accounting automation features. Mynt employs an intelligent scoring model that utilizes various data sources, allowing it to offer invoice financing and corporate loans. This enables small businesses to access flexible lines of credit and invoice factoring through a fully automated digital application process, streamlining their financial operations and facilitating growth.

Moniepoint is a financial technology company that offers a comprehensive digital banking and payment ecosystem tailored for small and medium-sized businesses. The platform provides a range of services, including payment processing, credit access, and business management tools. Moniepoint enables businesses to create accounts and accept payments through various offline and online channels, facilitating efficient financial management. By integrating banking solutions with essential business tools, Moniepoint supports organizations in managing their finances and accessing the resources necessary for growth.

Form3 is a London-based company that provides cloud-based payment processing, clearing, and settlement services specifically designed for regulated financial institutions. Founded in 2016, it offers a fully managed payment technology service that leverages a robust AWS cloud processing platform and multiple payment gateways, ensuring 24/7 operational support. The company's micro-services architecture and application programming interfaces enable clients to access a wide array of payment schemes seamlessly. Form3's client base includes a diverse range of financial entities, such as leading banks, non-bank financial institutions, and fintech companies, including payment institutions and e-money providers. This innovative approach allows businesses to utilize reliable and secure payment services on a per-transaction commercial model without upfront costs.

Workpay, established in 2017 and headquartered in Nairobi, Kenya, specializes in providing cloud-based payroll, benefits, and human resource management software tailored for small and medium-sized businesses in Africa. Its comprehensive solution includes time and attendance tracking, HR and payroll processing, employee self-service management, and payment processing, including support for mobile wallets. Workpay simplifies employee management and ensures compliance, enabling businesses to hire both local and remote teams across Africa without the need for local entities.

Clip is transforming card acceptance in Mexico by providing portable card-reading hardware and a digital payment platform that enables businesses to accept all credit and debit cards, including contactless payments. The company's solutions allow businesses to turn smartphones or tablets into card terminals, facilitating seamless transactions without the need for complicated paperwork or monthly fees. By focusing on empowering Mexican businesses, Clip helps them increase sales and grow by offering a user-friendly application that simplifies payment acceptance. This approach positions Clip as a vital ally for merchants seeking efficient and accessible payment solutions.

Enfuce is a fintech company specializing in financial services such as payment processing and card issuing solutions. Operating across Europe with offices in Finland, Germany, Latvia, Sweden, and the UK, Enfuce provides debit, prepaid, and credit card solutions to traditional banks, neobanks, and fintechs, enabling them to enhance payment experiences for their customers. The company offers a cloud-based payment platform that includes open banking, issuing and acquiring services, a carbon footprint tracker, strong customer authentication, and back-office support. This comprehensive service suite allows various players in the consumer finance industry to adapt to regulatory changes and invest securely. Enfuce has gained recognition through programs like the Visa Fintech Fast Track and the Mastercard Lighthouse Development Programme, as well as receiving the 2019 PayTech Award for Best Payments Solution for Payment Systems in the Cloud.

Cayesh is a fintech company specializing in digital supply chain finance solutions designed for supply chain stakeholders. The company provides an integrated platform that offers working capital, invoice management, and supply chain payment services. By combining technology, expertise, and operational capabilities, Cayesh aims to address various cash flow challenges faced by its clients, including the availability, management, and mobilization of capital. Its solutions are tailored to be affordable, helping businesses optimize their financial operations within the supply chain.

Pismo is a technology company that delivers a comprehensive processing platform for banking, payments, and financial market infrastructure. Its cloud-based platform is designed to elevate user experiences globally by offering a variety of services such as customer relationship management, billing, network management, client acquisition, and credit analysis. Pismo's solution is characterized by its patented architecture, scalable design, and low cost of ownership, allowing enterprise, cloud computing, and service providers to effectively address their needs with enhanced features and customization options. This enables clients to optimize and expand their financial offerings efficiently and swiftly.

Tuma is a developer of a mobile payments platform tailored for small businesses and informal traders. The company offers a smart micro merchant solution that enables businesses to accept card payments directly through their smartphones, eliminating the need for additional hardware. This innovative platform transforms a smartphone into a payment terminal, allowing customers to make quick and convenient payments using bank cards, smartphones, or other wearable devices. By streamlining the payment process, Tuma facilitates easier transactions for businesses, enhancing their ability to serve customers effectively.

TerraPay is a mobile-first international payment network that enables secure and seamless transnational money transfers. By interconnecting various financial services providers, such as mobile wallet services, money transfer operators, banks, and payment platforms, TerraPay creates one cohesive network for the movement of funds. The company offers a range of transaction types, including interpersonal transfers, e-payments, and government disbursements. Its platform-agnostic approach supports standard open APIs, allowing for easy integration with any mobile wallet provider. This single connection grants partners access to a global payment network, streamlining service expansion while reducing operational and capital expenditures. As a regulated financial intermediary, TerraPay also encompasses regulatory compliance, foreign exchange management, and fund settlement within its suite of services, ensuring the processing, clearing, and settlement of mobile payments is handled efficiently and securely.

Thunes is a global B2B payment infrastructure platform established in 2016, specializing in cross-border payment solutions. It facilitates seamless fund transfers between various payment systems, catering to a diverse range of clients, including major players in the gig economy and fintech sectors. The platform enables businesses and consumers to send and receive payments in 80 currencies across 132 countries, supporting 300 payment methods. Thunes offers a suite of services including remittance processing, mass payouts, virtual accounts, and payment collection, utilizing application programming interfaces (APIs) to enhance accessibility and reduce transaction costs. In April 2022, the company expanded its capabilities by acquiring a controlling stake in Tookitaki, a compliance platform that strengthens its anti-money laundering and fraud prevention measures. Headquartered in Singapore, Thunes operates regional offices in key global cities such as London, Paris, and Dubai, positioning itself as a vital player in the international payment landscape.

Moov Financial, Inc. is a financial technology company that specializes in developing an open-source platform designed to embed banking services within various applications. Established in 2017 and headquartered in Cedar Falls, Iowa, Moov is focused on rebuilding banking infrastructure for a cloud-native environment, free from legacy technology constraints. The platform offers a developer-friendly approach, allowing for customization and portability across cloud providers or on-premises environments. Moov's services include ACH processing, customer accounts, KYC and OFAC compliance, wire transfers, and image cash letters. By providing a modular and decoupled banking-as-a-service solution, Moov enables organizations to integrate transactional banking capabilities seamlessly into their software, thereby enhancing user experiences and simplifying money management.

M2P Fintech is a leading provider of a comprehensive API infrastructure designed to facilitate banking, payments, and lending services for businesses. The company offers a unified platform that supports various payment methods, including cards and digital wallets, while ensuring compliance with regulatory standards. M2P Fintech's technology enables seamless customer onboarding and compliance checks, thereby streamlining operations for financial institutions. By equipping sales teams with essential tools and information, M2P Fintech enhances the management of financial services, ultimately improving customer experiences in an increasingly digital economy.

Global Processing Services Limited is a payments processor that specializes in managing credit, debit, and prepaid card transactions on a global scale. Founded in 2007 and headquartered in Douglas, Isle of Man, the company has developed the GPS Apex platform, which serves as an integrated global processing solution. This proprietary technology facilitates secure and reliable transaction processing while enabling fintech companies to innovate within the payments industry. The GPS Apex platform integrates with various stakeholders, including clients, issuers, program managers, and card manufacturers, thereby enhancing the overall efficiency and effectiveness of payment processing.

Elevate Pay is a financial technology company that specializes in providing digital banking services and products. The company has developed a digital banking application that allows users to open bank accounts online and access fee-free accounts in both local currency and US dollars. Additionally, Elevate Pay offers free remittance services, enabling users to receive international transfers from various countries without incurring fees. The company also issues a free USD Mastercard, facilitating seamless transactions. Through these offerings, Elevate Pay aims to deliver regulated banking services that are innovative, fair, and accessible, ultimately enhancing the financial well-being of its consumers.

Elevate Pay is a financial technology company that specializes in providing digital banking services and products. The company has developed a digital banking application that allows users to open bank accounts online and access fee-free accounts in both local currency and US dollars. Additionally, Elevate Pay offers free remittance services, enabling users to receive international transfers from various countries without incurring fees. The company also issues a free USD Mastercard, facilitating seamless transactions. Through these offerings, Elevate Pay aims to deliver regulated banking services that are innovative, fair, and accessible, ultimately enhancing the financial well-being of its consumers.

Karty is a financial technology platform based in Msheireb that offers a comprehensive solution for customers to spend, save, and manage their finances through a single application. The platform is designed to enhance daily financial experiences by utilizing advanced technology and transaction data. Karty provides features such as banking-level security, real-time notifications, transaction alerts, interactive charts, automatic categorization, and peer-to-peer payments. These functionalities enable users to monitor their daily balances, track spending, and receive a personalized financial experience. Collaborating with strategic partner Visa, Karty aims to deliver complete digital payment solutions for both consumer and business expenses.

Currencycloud is a global payments platform that simplifies the complexities of cross-border money transfers. It provides a foreign exchange payments automation solution, enabling businesses to transact in multiple currencies with ease. Through its API building blocks, developers can create customized payment solutions that integrate seamlessly into their products and services. The platform automates the end-to-end payment process, offering services for payment collection, currency conversion, and digital currency management. By managing the regulatory challenges of international payments, Currencycloud equips businesses across various industries with the tools necessary to embrace digital wallets and embed financial solutions into their operations, facilitating global expansion and enhancing their overall payment capabilities.

Nium is a payments services company that offers a comprehensive cross-border payments platform, enabling businesses to collect, convert, and disburse funds globally. The company provides banks, payment vendors, and various industries, including travel, marketplaces, financial institutions, and payroll, with access to payment and card issuance services. Nium's platform features virtual wallets for fund management, facilitates traditional bank transfers for sending and receiving money, and offers competitive currency conversion rates with transparent fees. By ensuring secure transactions, Nium simplifies the complexities of international payments, supporting business growth and enhancing financial operations.

TAG is a mobile application that allows users to access an e-money account through a debit card. They provide a money transfer feature that helps to transfer money to any bank or wallet. They specialize in digital wallets and payment services.

Remitly Global, Inc. is a digital remittance company that specializes in facilitating international money transfers through its extensive network across Africa, Asia, Central Europe, and South America. Founded in 2011 and headquartered in Seattle, Washington, with additional offices in London, Manila, and Nicaragua, Remitly offers a mobile payment service that allows consumers in the United States, Canada, and the United Kingdom to send money easily to friends and family. The company utilizes advanced technology to streamline the money transfer process, eliminating unnecessary steps and fees associated with traditional methods. As a licensed money transmitter, Remitly operates in 49 states and Washington, D.C., providing a cost-effective and reliable service for its customers. Revenue is generated through transaction fees and foreign exchange spreads, positioning Remitly as a key player in the evolving financial services landscape for immigrants.

NOW Money is a fintech company that leverages mobile banking technology to offer financial services to the unbanked population in the Middle East. By providing accounts and remittance solutions, NOW Money aims to include individuals who are currently excluded from the financial system. The company focuses on low-income migrant workers in the Gulf region, offering them access to essential financial tools, including international money transfers and currency conversion services, at a reduced cost. This approach not only facilitates financial inclusion but also helps users save significantly on remittance expenses.

Klarna Inc. is an e-commerce payment solutions provider that serves both merchants and consumers, specializing in flexible payment options. Founded in 2005 and headquartered in Columbus, Ohio, with additional offices in New York City, Klarna offers a range of services including direct payments, pay-after-delivery options, and installment plans. The company is recognized for its "buy now, pay later" model, allowing shoppers to finance their retail purchases with interest-free payments. Klarna also enhances the shopping experience through its app, which offers features such as cashback rewards and on-site messaging for retailers. As a regulated bank, Klarna operates under a framework that supports a variety of payment processing and dispute resolution services, aiming to make transactions simple, safe, and smooth for users.

YellowPepper USA, LLC is a pioneer in mobile banking and payment solutions in Latin America, founded in 2004 and based in Miami, Florida. The company offers a white-labeled mobile payment platform compatible with major operating systems and communication protocols, including NFC, BLE, and QR codes, facilitating cashless transactions for consumers, businesses, and banks. YellowPepper also provides a mobile banking suite, enabling financial institutions to address the evolving needs of their clients. With a presence in countries such as Mexico, Colombia, Ecuador, and Peru, the company employs over 60 professionals across the region. Backed by Visa and the International Finance Corporation, YellowPepper combines extensive market knowledge with advanced payment technology, contributing to a robust payment ecosystem that enhances the purchasing experience for consumers and merchants alike.

Global Processing Services Limited is a payments processor that specializes in managing credit, debit, and prepaid card transactions on a global scale. Founded in 2007 and headquartered in Douglas, Isle of Man, the company has developed the GPS Apex platform, which serves as an integrated global processing solution. This proprietary technology facilitates secure and reliable transaction processing while enabling fintech companies to innovate within the payments industry. The GPS Apex platform integrates with various stakeholders, including clients, issuers, program managers, and card manufacturers, thereby enhancing the overall efficiency and effectiveness of payment processing.

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.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

Nium is a payments services company that offers a comprehensive cross-border payments platform, enabling businesses to collect, convert, and disburse funds globally. The company provides banks, payment vendors, and various industries, including travel, marketplaces, financial institutions, and payroll, with access to payment and card issuance services. Nium's platform features virtual wallets for fund management, facilitates traditional bank transfers for sending and receiving money, and offers competitive currency conversion rates with transparent fees. By ensuring secure transactions, Nium simplifies the complexities of international payments, supporting business growth and enhancing financial operations.

Neat Limited, founded in 2015 and based in Wan Chai, Hong Kong, develops and offers the finance application Neat, which enables users to open mobile current accounts. The company provides the Neat Card, a prepaid MasterCard for payments in multiple currencies at both traditional and online merchants worldwide. Neat's offerings include business products such as dedicated Hong Kong bank account numbers, an online dashboard for financial management, current accounts for paying invoices and employees, and expense cards for staff. For personal use, Neat offers mobile current accounts, ATM cards, MasterCards for shopping and cash withdrawals, and online money transfer services. The company is designed to support entrepreneurs in the new economy, providing a modern alternative to traditional banking with a focus on international business needs.

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.

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.

Currencycloud is a global payments platform that simplifies the complexities of cross-border money transfers. It provides a foreign exchange payments automation solution, enabling businesses to transact in multiple currencies with ease. Through its API building blocks, developers can create customized payment solutions that integrate seamlessly into their products and services. The platform automates the end-to-end payment process, offering services for payment collection, currency conversion, and digital currency management. By managing the regulatory challenges of international payments, Currencycloud equips businesses across various industries with the tools necessary to embrace digital wallets and embed financial solutions into their operations, facilitating global expansion and enhancing their overall payment capabilities.

Flutterwave Inc. is a financial technology company that offers comprehensive payment solutions for businesses globally. Founded in 2014 and headquartered in San Francisco, California, Flutterwave provides a range of services, including Flutterwave Checkout for processing payments via web and mobile, and a Flutterwave API for creating and managing virtual cards. The platform also includes tools for invoicing, allowing businesses to create professional invoices and track payments, as well as payment links for easy collection from customers. Serving various industries such as gaming, events, transportation, and hospitality, Flutterwave aims to simplify payment infrastructure by connecting merchants with local and international card schemes and bank accounts, ensuring secure and efficient payment processing.

PayMate is a leading provider of B2B payment solutions for enterprises and small to medium-sized enterprises (SMEs) across supply chains. The company's platform enhances digital workflow management related to payments, ensuring improved control, transparency, and cash flow optimization along with end-to-end reconciliation. By collaborating with major commercial card-issuing banks, PayMate facilitates credit for both payables and receivables, transitioning traditional payment methods to card streams while offering risk-mitigating features and extended payment terms for buyers. Key functionalities of the platform include procure-to-pay automation, credit evaluation, a discount marketplace, and APIs for integration with existing accounting and ERP systems. PayMate's cloud-based platform is accessible on various devices and currently serves users in South Asia and the UAE, with ongoing expansion efforts in the Central and Eastern Europe, Middle East, and Africa (CEMEA) region.

Finix is a developer of a B2B payment processing platform that enables businesses to own, manage, and monetize their payment transactions. The platform features a modular, workflow-driven architecture accompanied by a real-time interface that allows users to track transactions and consolidate data from various payment processors. It also supports the underwriting of merchant accounts, thereby facilitating efficient and secure push payments over debit cards. Finix serves banks, acquirers, and enterprises, providing them with the tools necessary to send money globally.

Payworks is a technology company specializing in next-generation Point of Sale payment gateway solutions. Headquartered in Germany, with additional offices in the UK, the US, and Poland, Payworks offers a cloud-based platform that enables developers to seamlessly integrate card payment functionality into their applications. This technology allows businesses to securely process EMV, contactless, and mobile wallet transactions efficiently at the Point of Sale. By providing its services to leading acquirers and payment providers worldwide, Payworks aims to enhance the payment experience for merchants and customers alike. The company was acquired by Visa in July 2019, further solidifying its position in the payment technology landscape.

Verifi, Inc. is a provider of Software-as-a-Service solutions focused on global electronic payment and risk management for card-not-present merchants. Founded in 2005 and headquartered in Los Angeles, California, Verifi offers a highly customizable platform that includes a global payment gateway and various fraud protection services. Its offerings encompass real-time and batch payment processing, risk management solutions, and transaction monitoring tools designed to enhance payment security and reduce chargebacks. Verifi's services support multiple payment methods and currencies, and its Order Insights feature aids in resolving billing inquiries and disputes. With a commitment to minimizing risk and optimizing profitability, Verifi's solutions facilitate effective cardholder authentication and chargeback representment across all major credit card brands. The company operates as a subsidiary of Visa Inc. since September 2019.

Fawaterak is a company dedicated to providing essential tools for merchants and small businesses to enhance their operational efficiency and financial management. It offers a suite of services that enables businesses to accept credit and debit card payments securely and quickly, manage sales and inventory in real-time, and foster customer relationships through loyalty programs. The platform supports freelancers and small enterprises by simplifying the invoicing and payment processes, allowing users to create and deliver customized invoices while offering various payment options. Additionally, Fawaterak provides essential features such as point of sale systems, online checkout solutions, mobile app administration, and compliance with tax and eInvoice regulations, empowering businesses to grow and thrive in a competitive landscape.

Netsahem is a donation network platform that specializes in digital fundraising for non-profit organizations. It provides a user-friendly platform that facilitates electronic donations, offering a diverse range of e-payment methods to ensure easy and efficient transfer of funds. Netsahem aims to empower non-profits, particularly those operating offline, by helping them expand their outreach and increase their fundraising capabilities. Through its innovative solutions, the company contributes to supporting people in need throughout the Egypt region.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

Bankable is a company that specializes in creating innovative payment solutions tailored for corporates, banks, and retailers. It provides a modular banking platform that enables businesses to offer a range of financial services, including e-wallets, mobile wallets, remittance services, peer-to-peer money transfers, and prepaid card programs. These solutions are delivered as white-label self-service platforms or through APIs, allowing financial institutions and fintech companies to develop and implement customized banking systems efficiently. By focusing on flexibility and scalability, Bankable empowers its clients to enhance their payment offerings and improve customer experiences in the financial sector.

Earthport is a global financial services company specializing in cross-border payment solutions. The company offers its services to business enterprises and banks, facilitating international payments in over 50 countries and territories. Earthport aims to provide a faster, more cost-effective, and transparent payment experience, enabling clients to send money efficiently to nearly any location worldwide.

BillDesk is a technology company specializing in electronic payment and collections services. It offers an integrated platform and unified APIs designed to simplify and enhance the digital payment experience for consumers and businesses alike. By providing a comprehensive solution for managing payments, BillDesk enables users to navigate the complexities of traditional billing systems while benefiting from the efficiency of electronic transactions. The company's platform supports various payment methods and facilitates reconciliation and settlement operations across multiple channels, ensuring a seamless and frictionless payment process for its customers.

Paystack is a payment processing company based in Ikeja, Lagos, founded in 2015. It provides businesses in Africa with the ability to accept payments from anyone, anywhere in the world using various methods, including credit and debit cards, money transfers, and mobile money. The platform is designed to simplify the payment process, ensuring that online transactions are secure and affordable. By connecting multiple payment options, Paystack enables merchants to offer a seamless payment experience through their websites and mobile applications, facilitating easier commerce for businesses and their customers.

MOOKH Enabling seamless and hassle free payments from consumers directly to their favorite merchants, with direct plugins for website and social media integration.

Liuv is a mobile application designed to streamline the ordering and payment process at restaurants. By allowing users to scan QR codes at partnered establishments, the app provides access to digital menus and facilitates order placement, thereby enhancing the dining experience by minimizing wait times for service. In addition to its ordering capabilities, Liuv integrates payment and loyalty programs, making it easier for consumers to earn rewards while ensuring that merchant loyalty campaigns are efficiently targeted. This dual functionality not only drives revenue growth for establishments but also optimizes operational costs and generates valuable consumer consumption profiles.

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.

YellowPepper USA, LLC is a pioneer in mobile banking and payment solutions in Latin America, founded in 2004 and based in Miami, Florida. The company offers a white-labeled mobile payment platform compatible with major operating systems and communication protocols, including NFC, BLE, and QR codes, facilitating cashless transactions for consumers, businesses, and banks. YellowPepper also provides a mobile banking suite, enabling financial institutions to address the evolving needs of their clients. With a presence in countries such as Mexico, Colombia, Ecuador, and Peru, the company employs over 60 professionals across the region. Backed by Visa and the International Finance Corporation, YellowPepper combines extensive market knowledge with advanced payment technology, contributing to a robust payment ecosystem that enhances the purchasing experience for consumers and merchants alike.

Payworks is a technology company specializing in next-generation Point of Sale payment gateway solutions. Headquartered in Germany, with additional offices in the UK, the US, and Poland, Payworks offers a cloud-based platform that enables developers to seamlessly integrate card payment functionality into their applications. This technology allows businesses to securely process EMV, contactless, and mobile wallet transactions efficiently at the Point of Sale. By providing its services to leading acquirers and payment providers worldwide, Payworks aims to enhance the payment experience for merchants and customers alike. The company was acquired by Visa in July 2019, further solidifying its position in the payment technology landscape.

Qpal is a financial technology company founded in 2016 that focuses on enhancing financial health and well-being for consumers facing financial challenges. By leveraging Open Banking technology, Qpal has developed an automated digital assistant aimed at simplifying money management for its users. The company previously designed, developed, and deployed solutions related to mobile payments, merchant acceptance, and AI-driven analytics on an international scale. Additionally, Qpal offers a gateway platform that facilitates digital payments, minimizing the costs associated with traditional cash handling. This platform syncs with contactless technology to provide a fully cashless experience, thereby improving transaction efficiency and offering more convenient payment options for merchants and their customers.

Klarna Inc. is an e-commerce payment solutions provider that serves both merchants and consumers, specializing in flexible payment options. Founded in 2005 and headquartered in Columbus, Ohio, with additional offices in New York City, Klarna offers a range of services including direct payments, pay-after-delivery options, and installment plans. The company is recognized for its "buy now, pay later" model, allowing shoppers to finance their retail purchases with interest-free payments. Klarna also enhances the shopping experience through its app, which offers features such as cashback rewards and on-site messaging for retailers. As a regulated bank, Klarna operates under a framework that supports a variety of payment processing and dispute resolution services, aiming to make transactions simple, safe, and smooth for users.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

CardinalCommerce, established in 1999 and headquartered in Mentor, Ohio, specializes in global payment authentication solutions. The company offers a range of products including One Connection for alternative payments, Authbridge for navigating complex authentication landscapes, consumer authentication to prevent fraud and chargebacks, digital gift cards for mobile channels, hosted payments with customizable templates, mobile banking platforms, mobile marketing promotions, tokenization for fraud protection, universal PIN debit services for eCommerce and mCommerce, and universal wallets compatible with various digital payment methods. Additionally, CardinalCommerce provides advisory services in areas such as customer engagement, eCommerce security, and EMV compliance. The company has strategic partnerships with major payment brands like Visa, MasterCard, PayPal, and merchant service providers. As of February 1, 2017, CardinalCommerce operates as a subsidiary of Visa Inc., serving clients across North America, Europe, Africa, Asia, and Australia.

Visa Europe Limited is a payments technology company headquartered in London, United Kingdom, that facilitates electronic payments for consumers, businesses, financial institutions, and governments across Europe. Established in 2004, Visa Europe manages a variety of payment products under the Visa brand and operates VisaNet, a robust processing network designed to handle transaction messages efficiently while providing fraud protection for consumers and assured payment for merchants. The company primarily focuses on debit card transactions, with nearly 80% of its business derived from this segment. With 466 million Visa cards issued in Europe, it accounts for approximately 15% of all consumer spending in the region. Visa Europe employs around 1,700 staff members and has invested over 1 billion Euros in technology and infrastructure to enhance its services. By adhering to the international EMV chip standard, Visa Europe ensures secure payment processes, while also responding to the needs of European banks, cardholders, and retailers. The company operates as a subsidiary of Visa Inc., with its operations supported by member banks and payment service providers from 36 countries.

Thumbzup is a company that specializes in developing mobile point-of-sale (MPOS) solutions aimed at enhancing payment processing for merchants. Their offerings include a range of secure, certified payment devices that are designed to facilitate transactions on the go. By integrating advanced technology, Thumbzup enables merchants to manage multiple payment gateways seamlessly, improving operational efficiency and reducing costs. The company's comprehensive suite of technologies and services not only streamlines business processes but also aids in boosting sales, making it a valuable partner for businesses looking to enhance their payment capabilities.

Chain is a technology company that develops ledger-as-a-service solutions, enabling organizations to securely track and transfer balances in a token format on private ledgers. It also offers an online payment platform focused on the developing world, facilitating cross-currency and cross-asset payments. Chain's clients include major financial institutions and startups, demonstrating its impact on the global financial landscape.

Stripe is a technology company that develops APIs and tools for businesses to accept and manage online payments. It offers a range of products, including Payments, Subscriptions, Connect, Sigma, and Atlas, catering to various industries such as e-commerce, B2B platforms, and non-profits. Stripe also provides fraud detection tools like Radar and user interface components for custom payment forms with Stripe Elements. It supports international debit/credit cards and serves businesses in the U.S., Canada, Europe, and other regions. Additionally, Stripe Capital offers financing options based on payment history, with automatic repayment adjustments based on daily sales.

LoopPay, Inc. is a mobile payment provider based in Burlington, Massachusetts, specializing in a mobile wallet platform that enables consumers to make payments effortlessly while leaving their physical wallets behind. Founded in 2006 and originally named ACT Merchant Services, the company rebranded in 2013 to reflect its focus on innovative payment solutions. LoopPay offers a range of products, including the LoopPay app, which securely stores various payment cards, and devices like the LoopPay Fob and ChargeCase. These devices utilize patented Magnetic Secure Transmission technology, allowing users to make contactless payments at millions of merchants without additional setup costs for retailers. With strong security features, including encryption and password protection, LoopPay ensures that all stored card data remains secure. As a subsidiary of Samsung Electronics America, LoopPay continues to enhance the payment experience for both consumers and businesses.

Fundamo (Proprietary) Limited specializes in mobile financial solutions for banks, financial organizations, and mobile network operators, both in South Africa and internationally. Founded in 2000 and based in Cape Town, the company offers a range of services, including the Fundamo Enterprise Edition, a mobile financial services platform; the Fundamo Mobile Wallet, which delivers transformative financial services; and Fundamo Mobile Banking, enabling banks to provide mobile access to existing accounts. Additionally, Fundamo provides mobile remittance options, integrated payment and purchasing modules, and facilities for issuing mobile debit cards linked to the Fundamo Mobile Account. As a subsidiary of Sanlam Ltd, Fundamo focuses on enhancing financial accessibility through mobile technology.

Block, Inc. is a technology company specializing in financial services, founded in 2009. It operates several key platforms, including Square, Cash App, TIDAL, and TBD, aimed at enhancing economic access for individuals and businesses. Block provides payment services to merchants and has developed Cash App as a person-to-person payment network, facilitating seamless transactions among users. In 2023, the payment volume processed through Square exceeded $200 million, reflecting the company's significant role in the financial technology landscape.

Konnect is an online cross-border payment platform based in Tunis, founded in 2021. The company focuses on simplifying complex financial transactions by offering a variety of secure and cost-effective payment methods. Its platform allows users with email addresses to send and receive payments easily, catering to businesses of all sizes and facilitating their growth through enhanced financial flexibility.