Startups Directory

Stripe is a developer-first payments platform that simplifies accepting payments online and in-person through a simple seven-line API integration. Beyond payments, it provides a comprehensive suite of tools for treasury management, billing, fraud prevention, and compliance, enabling businesses to manage the full complexity of operating online. Founded by Patrick and John Collison, Stripe serves everyone from startups to enterprise companies across 195+ countries with a platform designed for both simplicity and scale.

Bolt is a cloud-based checkout and payment processing platform that uses AI and machine learning to streamline eCommerce transactions across web and mobile. The platform recognizes returning customers through its Universal Shopper Network (80M+ customers) to enable password-free checkout, while offering 100% fraud coverage through analysis of 200+ transaction variables. It charges 0% fees for first-time customers and 2% for repeat purchases, helping retailers increase checkout conversion rates by 10-20% while reducing fraud risk.

SpotOn is an integrated restaurant management platform that unifies point-of-sale, online ordering, labor management, kitchen operations, and payment processing into a single system. The company serves restaurants of all sizes—from local establishments to MLB stadiums—with flexible software tiers and optional payment processing. SpotOn differentiates by allowing merchants to choose their payment processor or use existing systems, avoiding vendor lock-in common with competitors like Square and Toast. Founded by payment industry veterans Matt and Zach Hyman alongside Doron Friedman, SpotOn has raised $923M and serves thousands of restaurants seeking integrated operations without forced processor dependencies.

Pleo is a European spend management platform that issues smart corporate payment cards (physical and virtual) integrated with real-time expense tracking and accounting software. It automates the entire employee spending workflow—from card transactions to receipt capture to invoice management—while giving finance teams budget controls and fraud detection. Pleo serves 40,000+ small and medium-sized businesses across 14 European markets, positioning itself as the dominant player in a spend management category worth $80B+ globally.

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.

JUMO is a Banking as a Service platform that uses AI to power financial services in emerging markets. The platform provides end-to-end banking infrastructure (Core) and an AI processor (Unify) that makes credit decisions using non-traditional data points like GSM records and mobile wallet transactions. JUMO enables credit access for entrepreneurs without prior financial history, partnering with mobile network operators and banks across Africa to disburse loans and reach underserved populations.

Solutions by Text is a compliance-first enterprise text messaging platform that enables real-time payments through SMS—the only end-to-end solution combining native text and payment capabilities for consumer finance. Built on FinText™ technology, it helps lenders, servicers, and collection agencies conduct compliant customer communications and accept payments directly through text messages. The platform serves over 1,500 customers in regulated industries, with 60% of new customers previously avoiding SMS due to compliance concerns.

M2P Fintech is an API infrastructure platform that enables banks, fintechs, and digital platforms to embed financial products into their customer journeys. The company offers a 'bank-in-box' solution with core banking systems, loan management, payment processing, and compliance tools that connect to public infrastructure, incumbent banks, and NBFCs. Operating across 30+ markets in Asia Pacific, MENA, and Oceania, M2P powers 200+ banks, 300+ lenders, and 800+ fintech engagements serving 50+ million end users.

SumUp provides mobile payment infrastructure that enables small and medium-sized businesses to accept card payments via wireless card readers connected to smartphones or tablets. The company processes transactions within 1-2 business days and transfers funds directly to merchant bank accounts. SumUp operates in 36 markets across Europe, the US, Latin America, and Australia, serving over 4 million merchants from single-person operators to major event spaces. The platform differentiates through simplicity, accessibility for non-technical users, and the lowest transaction fees in its category.

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.

TerraPay is a mobile-first international payment network that interconnects financial services providers—banks, mobile wallets, money transfer operators, and payment platforms—through a single API. Operating as an asset-light, network-heavy model, TerraPay enables seamless cross-border fund transfers to 139 receive countries with access to 7.5+ billion bank accounts and 2.1+ billion mobile wallets. The platform reduces integration friction for partners while capturing transaction routing and settlement economics, positioning itself as a preferred rails provider for remittances, gig platforms, and marketplaces in emerging markets.

MFS Africa is Africa's largest mobile money interoperability hub, connecting over 400 million mobile wallets and millions of bank accounts across 40+ countries through a single API. The platform enables enterprises—from fintech companies to NGOs—to scale digital payment strategies by providing seamless cross-border transfers, merchant payments, bulk payouts, and bank-to-wallet services. With partnerships spanning 180+ mobile money operators and global remittance providers like Western Union and MoneyGram, MFS Africa has become the infrastructure backbone for digital payments across the continent.