Startups Directory

Checkout.com is an enterprise-grade API-based payment platform that provides end-to-end payment processing, risk management, card issuing, and payment routing for global merchants. The platform supports multiple payment methods including cards, digital wallets (Apple Pay, Google Pay), and local payment networks (Alipay, SEPA, bank transfers). It serves exclusively enterprise customers, with 63 merchants processing over $1B annually on the platform, and differentiates through a lean sales operation (13% of headcount) while dedicating two-thirds of staff to product and engineering.

Xendit is a fintech platform that enables businesses across Southeast Asia to accept payments through 100+ methods (cards, e-wallets, bank transfers, QR codes) and disburse payouts to 450+ banks and e-wallets. Built specifically for the region's payment diversity—where credit card penetration is only 4%—Xendit serves SMBs, e-commerce platforms, and enterprises like Grab, Lazada, and Samsung Indonesia. The company differentiates through local in-market teams, transparent transaction-based pricing, and graduated tier discounts as volume increases.

Flutterwave is a pan-African payment infrastructure platform that enables merchants and payment service providers to accept payments across multiple African countries through a single integration. The platform processes 500,000+ payments daily across 15+ payment methods including cards, mobile money, bank transfers, and digital wallets. It serves over 900,000 businesses globally and solves the critical problem of payment system interoperability across Africa, where local solutions rarely work across borders. Beyond core payments, Flutterwave offers remittances (Send App), card issuing, and business incorporation services (Grow).

Paddle is a Merchant of Record (MoR) platform that handles payments, billing, taxes, and compliance for SaaS and software companies globally. Rather than requiring businesses to build their own payment infrastructure, Paddle acts as the merchant of record, processing transactions across 200 markets while managing currency conversion, tax remittance, fraud prevention, and regulatory compliance. The platform processes 122M+ transactions annually and has remitted $89M in sales taxes, serving 3,000+ customers including Verizon, ServiceNow, and Fortinet.

Thunes is a global payments infrastructure platform that enables real-time cross-border payments across 130 countries and 80 currencies through direct integrations with 350+ financial institutions and mobile wallets. The platform serves fintech companies, payment providers, and enterprises like PayPal, Revolut, and Uber by eliminating reliance on aggregator chains and delivering 90% instant transaction settlement with transparent FX rates. What differentiates Thunes is its direct connections to local payment endpoints (like M-Pesa and GCash) combined with its SmartX Treasury System, which automates FX execution and eliminates idle capital requirements across payment corridors.

Fundbox is an embedded capital platform that uses machine learning to provide working capital solutions to small businesses. The platform offers credit lines and term loans to SMBs based on revenue analysis and credit assessments, with transparent pricing and fast automated approval decisions. Fundbox solves the problem of capital tied up in unpaid invoices—over $1 trillion in the U.S. alone—by connecting businesses with credit when they need it. The company positions itself as a pioneer in embedded working capital, integrating directly into business software platforms like QuickBooks and FreshBooks.

Clip is Mexico's leading mobile point-of-sale and digital payment platform that enables small businesses and independent merchants to accept card payments via smartphones and tablets. The platform eliminates traditional barriers to payment acceptance—monthly fees, minimum transaction requirements, and excessive paperwork—while addressing Mexico's cash-heavy economy where 80% of personal consumption expenditure occurs offline. Beyond card readers, Clip offers inventory management, online commerce solutions, payment links, and business financing services, serving over 1 million merchants.