Startups Directory

Pine Labs is a merchant commerce platform that powers offline and online retail transactions through cloud-based POS terminals and payment processing solutions. The company operates 350,000+ terminals across 3,700+ cities in India and Malaysia, serving 100,000+ merchants with integrated financing, analytics, and loyalty tools. Pine Labs differentiates through multi-bank integrations on a single terminal—unlike competitors who require separate hardware for each bank partnership—and proprietary EMI conversion powered by bank cardholder analytics. The platform went public in November 2025 after raising $954M across 12 funding rounds.