69 Best Payment Startups in United States to Watch in 2025

The Definitive Seedtable Ranking of Payment Startups in United States

We track 71,000+ companies and rank them dynamically using our Seedtable Score – a score that uses quantitative and qualitative data points to signal the momentum behind a company. We then monitor the list manually leveraging our expertise as founders and investors.

There are 361 start-ups with an aggregate funding of $23.7b. The average funding per company in this subset is $343.8m.

Last update to the database: Feb 18, 2025. See changelog.

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6

Funding Rounds

$799.8m

Money raised

A bank offering online banking services with no user no bank fees, and an option to receive direct deposit up to two days early. Chris Britt and Ryan King founded Chime in 2013, and the company is headquartered in San Francisco, California.

6

Funding Rounds

$142.5m

Money raised

The first and most experienced company in bitcoin payments, BitPay builds powerful tools for spending, accepting, and building with bitcoin. The company has offices in North America, Europe, and South America and has raised over $70 million from top investors including Index Ventures, Aquiline Technology Growth, Menlo Ventures, Founders Fund, and S

5

Funding Rounds

$126.5m

Money raised

Celo is an open platform that offers financial tools to mobile phone users.

Location:

Key people:

20

Funding Rounds

$3.8b

Money raised

Klarna is a financial technology company providing e-commerce payment solutions for merchants and shoppers.

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Key people:

10

Funding Rounds

$1.3b

Money raised

Brex is a credit card company that issues corporate credit cards with no security deposit.

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Key people:

9

Funding Rounds

$1.1b

Money raised

Circle is a peer-to-peer payments technology company that is headquartered in Boston, Massachusetts and was founded in 2013 by Jeremy Allaire and Sean Neville.

Location:

Key people:

6

Funding Rounds

$898.4m

Money raised

Wise, previously TransferWise, is a company that offers money transfers services founded by Kristo Käärmann and Taavet Hinrikus.

1

Funding Rounds

$71.0m

Money raised

Yapstone provides flexible and customizable payment solutions.

Key people:

9

Funding Rounds

$359.9m

Money raised

Payhawk is a provider of a financial system that combines credit cards, payments, and expenses into one experience.

Industries:

Location:

Key people:

11

Funding Rounds

$526.0m

Money raised

The leading clientflow management platform that makes it easy for independent businesses to professionally sell and deliver their services online

Location:

Key people:

5

Funding Rounds

$77.8m

Money raised

Wave Financial is a Toronto-based financial services and accounting software company.

8

Funding Rounds

$963.0m

Money raised

Bolt is a technology company that has developed a shopping checkout platform for e-commerce.

11

Funding Rounds

$519.7m

Money raised

Flutterwave is a company designing and developing application programming interface payments across Africa.

Location:

Key people:

8

Funding Rounds

$553.5m

Money raised

Fundbox is a company offering business lines of credit founded in 2013 by Eyal Shinar, Tomer Michaeli and Yuval Ariav.

Location:

Key people:

2

Funding Rounds

$3.1m

Money raised

Moon is a crypto payment platform.

Key people:

4

Funding Rounds

$320.5m

Money raised

Jumio is a company offering a platform for identity verification founded in 2010.

10

Funding Rounds

$2.5b

Money raised

Tipalti automates the way companies pay suppliers, partners, publishers and employees with cloud-based solutions which addresses all phases of the payables workflow.

Key people:

9

Funding Rounds

$342.9m

Money raised

ProducePay is a new tech-based cash flow solution that provides domestic and foreign fresh produce farmers (growers) who ship to the U.S. with immediate access to distribution and financing. ProducePay's solutions provide the working capital fresh-produce growers? need to complete their harvest and grow. By leveraging our international network, ProducePay connects clients with interested fresh produce buyers and distributors. Interested distributors receive connection to a growing list of international farmers who might otherwise feel limited by current financing options.

3

Funding Rounds

$310.0m

Money raised

The trucking and logistics industry provides the backbone of the economy. But the payments infrastructure on which it runs is from the past century and broken.

Location:

Key people:

4

Funding Rounds

$115.4m

Money raised

Lithic is a financial technology company that builds payments infrastructure for businesses and consumers.

6

Funding Rounds

$525.0m

Money raised

Forter is a E-Commerce fraud detection platform founded in 2013 by Michael Reitblat, Liron Damri and Alon Shemesh.

Key people:

6

Funding Rounds

$275.6m

Money raised

Petal is a credit card company based in New York.

4

Funding Rounds

$22.1m

Money raised

Wyre is a San Francisco-based developer of a payment platform on blockchain founded by Michael Dunworth and Ioannis Giannaros.

4

Funding Rounds

$94.9m

Money raised

Rho is a New York-based digital banking service for entrepreneurs.

Key people:

1

Funding Rounds

Nayax is a global FinTech company, developing solutions for the unattended machine industry. Nayax's cashless payments, telemetry, management & BI solutions fits to any machine from around the globe. Established in 2005, Nayax has over 250,000 devices installed worldwide, operating in more than 50 countries and 26 currencies and offers local support and ensure that all our customers receive the highest level of service in their local region. Attending the Unattended: Unattended machines, an unattended customer. Nayax's line of innovative products are designed (in-house) to remotely manage the machines and bring you closer to your customer. Nayax offers cashless and telemetry solutions including debit and credit cards, mobile, SMS, prepaid cards and NFC payment options. Point-of-sale options include swipe, contact or contactless card payment methods. Accepting virtually all forms of payment. No need to deal with banks, credit fees, telecom payments and more. Nayax works with leading global payment processors in order to provide the best cashless services at highly competitive rates. Function and benefits: The Nayax management & BI suite allows for online machine management, real time status reports and customized alerts for different machine events such as vend outs, low/high temperature. Advanced analytics tools provide actionable insights including the ability to forecast inventory issues based on historical data and compare products and costs while seeing growth in sales by location. Visit-to-visit reports enable smarter machine management without spending time and money on unnecessary trips. Nayax is constantly developing innovative approaches to surpass industry expectations and create loyalty between consumers and machine operators. Nayax listens to its customers to ensure satisfaction. The development, sales and support processes are customer oriented to contribute to the company's growth strategy.

8

Funding Rounds

$587.0m

Money raised

Upgrade is a neo-bank offering affordable credit to consumers.

4

Funding Rounds

$24.2m

Money raised

WePay is a payment provider company serving online platforms. It participated in the S09 cohort of Y Combinator.

7

Funding Rounds

$444.5m

Money raised

Papaya Global is a New York-based financial technology company developing tools for payroll, payments, and workforce management.

Key people:

4

Funding Rounds

$111.3m

Money raised

Currencycloud is a global payments platform built on smart technology that takes the complexity out of moving money. Developers use our API building blocks to build customized payment solutions. Whether you want to embed our payments infrastructure into your products or services, or build on top of it, we'll fit into your business in a way that works for you. We take care of all the intricacies and regulatory hurdles involved with cross-border payments, giving you the tools to globalize your business.

5

Funding Rounds

$391.5m

Money raised

Globally, Zeta is recognized as a next-gen banking technology company. Our platform enables financial institutions to launch extensible and compliant banking asset and liability products, across cards, loans and deposits, rapidly.

Industries:

Key people:

9

Funding Rounds

$55.4m

Money raised

EclecticIQ is cyber security software company based in Amsterdam. They provide a Threat Intelligence Platform for threat analysts to perform cyber investigations.

3

Funding Rounds

$90.0m

Money raised

Tally Technologies is a San Francisco-based financial services company.

5

Funding Rounds

$351.0m

Money raised

Cedar is a company founded in 2016 by Arel Lidow.

4

Funding Rounds

$190.1m

Money raised

Earnin is a Palo Alto, California-based mobile banking company giving users access to their pay directly from mobile application.

Key people:

3

Funding Rounds

$359.0m

Money raised

Avant is a company operating an online platform providing users access to personal loans. It utilizes big data and machine learning algorithms.

Location:

Key people:

4

Funding Rounds

$176.3m

Money raised

Step is a digital banking service built for teens.

5

Funding Rounds

$13.9m

Money raised

YayPay is an easy-to-use, cloud-based predictive accounts receivable automation solution that leverages machine learning and automatic payment communications to accelerate collections. This enables finance and AR teams to eliminate and streamline the manual effort associated with following up on late invoices and reporting on AR metrics. YayPay integrates with multiple accounting, ERP, billing, and CRM applications, for a complete look into the collections process, and helps organizations better predict cash flow and increase revenue. YayPay makes collecting money, fast, easy and highly predictable. Headquartered in New York, New York, YayPay has employee across the U.S. with additional locations in Detroit, Michigan, MI and San Francisco, CA.

5

Funding Rounds

$126.2m

Money raised

Lively is a company providing health savings accounts for individuals founded in 2016 by Shobin Uralil.

Key people:

6

Funding Rounds

$86.8m

Money raised

Boku is a San Francisco-based company founded in 2008 by Mark Britto.

Location:

Key people:

4

Funding Rounds

$38.5m

Money raised

Merge is a B2B integrations platform.

Location:

Key people:

2

Funding Rounds

$279.3m

Money raised

ReCharge is an e-commerce payment processing app.

5

Funding Rounds

$327.4m

Money raised

An application that allows its users to pay bills online using their own credit cards. It is located in Sydney, Australia and was founded in 2017.

7

Funding Rounds

$201.0m

Money raised

Finix is a full-stack payment processor that develops a payment processing platform for businesses.

Key people:

2

Funding Rounds

$40.0m

Money raised

Formerly E la Carte, Presto is a company designing and developing a tablet that offers digital dining services for restaurants.

3

Funding Rounds

$748.0m

Money raised

Cross River Bank is a New Jersey-based company founded in 2008.

Location:

1

Funding Rounds

$20.0m

Money raised

Splitwise is a company founded in 2011 by Jonathan Bittner, Marshall Weir and Ryan Laughlin.

Key people:

10

Funding Rounds

$637.7m

Money raised

C2FO, the world's market for working capital and risk-free profit, is the only working capital exchange that allows companies to optimize their working capital positions in a live marketplace. Companies across the globe use C2FO to increase their gross and net profit while simultaneously producing working capital flows to their supply chain. C2FO is Collaborative Cash Flow Optimization.

Crossmint is a technology company that develops solutions for buying and selling NFTs.

2

Funding Rounds

$209.0k

Money raised

SnowShoe is a company founded in 2010 by Claus Moberg.

Location:

Key people:

3

Funding Rounds

$55.8m

Money raised

TrialPay is a Mountain View, California-based company founded in 2006.

6

Funding Rounds

$46.3m

Money raised

FutureFuel.io provides a platform to help employees pay down their student debts.

Key people:

7

Funding Rounds

$62.6m

Money raised

Dwolla is a Des Moines, Iowa-based financial technology company developing a payment infrastructure. Dwolla is a fintech company helping innovative organizations power sophisticated account-to-account payment solutions.

1

Funding Rounds

$3.3m

Money raised

A financial technology services platform for making payments, asset exchanges, and use the platforms stablecoin cryptocurrency called Stronghold USD. Stronghold creates virtual payment networks that give developers access legacy and next-generation payment networks through a simple API.

Location:

Key people:

3

Funding Rounds

$106.3m

Money raised

Bubble is a software company allowing users to build web apps without code

Location:

Key people:

8

Funding Rounds

$78.0m

Money raised

A software company offering a blockchain and cloud technology platform for business to business payments.

9

Funding Rounds

$50.0m

Money raised

Teampay's distributed spend management platform aims to give users total control and visibility over spending while empowering employees with purchasing power.

5

Funding Rounds

$80.0m

Money raised

Veem is a San Francisco-based financial technology company creating a platform for business to business payments.

1

Funding Rounds

$125.0k

Money raised

Online bank for high net worth individuals and families

6

Funding Rounds

$274.5m

Money raised

Dashlane is a password manager software company founded by Emmanuel Schalit, Alexis Fogel, Guillaume Maron and Jean Guillou.

Key people:

5

Funding Rounds

$219.0m

Money raised

Payoneer is a New York City-based company founded in 2005 by Yuval Tal.

Location:

Key people:

6

Funding Rounds

$80.4m

Money raised

Spreedly is the last payments API you'll ever need: - Cut PCI risk and boost flexibility with secure card capture and storage - Connect once, integrate with 220+ payment services - Drive more business, in more markets, with more partners See how you can start today: https://www.spreedly.com Spreedly provides cloud-based PCI Level-1 infrastructure for payments software. Businesses use Spreedly to connect to multiple payment gateways, payment receivers, and a secure credit card vault - all through a single API. That enables our customers to do more business, in more markets, with more partners - all while minimizing PCI compliance scope.

3

Funding Rounds

$35.7m

Money raised

A company offering a software platform for processing premiums, claims, and payments for the insurance industry.

2

Funding Rounds

$4.5m

Money raised

ReadyForZero is a company building online financial software to automate debt management and credit protection. It participated in the S10 cohort of Y Combinator.

Location:

Key people:

2

Funding Rounds

$3.4m

Money raised

Pay By Group is a company founded in 2012 by Camilo Acosta.

3

Funding Rounds

$45.7m

Money raised

A technology company providing payments collection APIs for businesses in Southeast Asia.

Key people:

8

Funding Rounds

$814.7m

Money raised

Xendit is a company providing payments infrastructure in Indonesia and South East Asia. It can detect and receive payments from all banks.

Location:

Key people:

6

Funding Rounds

$407.0m

Money raised

Current is a neobank based in United States offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Current currently accepts to open mobile bank accounts for residents of United States.

Key people:

11

Funding Rounds

$284.4m

Money raised

Wagestream Ltd is a financial super app for waged workers founded in 2018 by Portman Wills.

2

Funding Rounds

$46.5m

Money raised

Tool to play all Bitcoin games and use any Bitcoin Lightning apps

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