69 Best Payment Startups to Watch in 2025

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.

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

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

Safello is a company founded in 2013 by Frank Schuil.

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

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

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.

Hardware wallet for crypto assets such as Bitcoin, Ethereum, XRP, Monero and more.

MyCointainer is a staking, masternode, lpos, pos, proof of stake coins solution.

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

N26 is a is a mobile banking company headquartered in Berlin, Germany.

Revolut is a London-based Fintech startup and bank offering mobile banking, card payments, money remittance, and foreign exchange services.

Yapstone provides flexible and customizable payment solutions.

GoCardless is a payments company that developed global payments network based on the bank to bank payment systems. It participated in the S11 cohort of Y Combinator

A venture capital firm in China that focuses on bringing inclusive financial services to the world.

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

Railsr, formerly Railsbank, is a London-based open-API banking and compliance platform that gives regulated and un-regulated companies access to global bankings.

A financial technology company providing payments solutions that allow businesses to accept, process and disburse payments.

Paddle is a London-based developer of a software-as-a-service commerce platform offering payments infrastructure for software companies.

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

Azimo is an online remittance service founded by Marta Krupinska.

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

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

BharatPe is a financial technology company specializing in developing payments solutions.

A financial technology company offering a mobile-first platform for payments through a single API and SDK.

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

Zopa is a peer-to-peer lending platform founded in 2005 by Giles Andrews.

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

Moon is a crypto payment platform.

Moni is a mobile money transfer app for iOS and Android based out of London, England. It was launched to the general public by Laurence Aderemi and Fernando Saturno in 2015.

Verse is a Barcelona-based payments platform.

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

Melio is a fintech company that gives small businesses a way to digitally manage their business-to-business payments and receivables.

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

Monzo is a digital banking platform founded in 2015 by Jason Bates, Tom Blomfield, Jonas Huckestein and Paul Rippon.

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.

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.

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

Penta is a digital bank account for startups and SMEs in Germany.

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

Petal is a credit card company based in New York.

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

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

ZestMoney is an Indian fin-tech company that specialises in consumer lending.

Yoco is a company founded by Lungisa Matshoba, Katlego Maphai, Bradley Wattrus and Carl Wazen.

Slice is a credit card challenger in India helping to pay bills, manage finances, and earn quick rewards.

Instamojo is a company founded in 2012 by Sampad Swain.

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.

MobiKwik is a Gurgaon-based company founded in 2009 by Anjali Singh.

Mambu is a Berlin-based software-as-a-service banking company offering lending and deposit software.

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

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

Pleo is a Copenhagen-based startup offering company credit cards and automated expense reports for businesses.

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

SumUp is a payments processing platform for small businesses founded in 2012 by Stefan Jeschonnek.

Omise is a payment processing company operating within Southeast Asia.

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.

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.

Konfío is one of the 250 Top Fintechs in the world, according to CB Insights. We are the largest online lending platform for Small and Medium Businesses in Mexico.

PayTabs is a financial technology firm that provides payment processing and fraud prevention solutions for merchants and individuals across the MENA region.

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

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

Cedar is a company founded in 2016 by Arel Lidow.

A company providing financing and transaction technology for merchants.

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

Atom Bank is a digital financial company offering personal and business banking products.

Form3 is a cloud-native account-to-account payments platform founded in 2016 by Michael Mueller.

A company offering a family-oriented payment application that enables teenagers to receive money from their parents and spend it digitally without opening a bank account.

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