Top 56 Payments Unicorn Companies in 2023

1) Checkout.com

Checkout.com's API allows businesses to integrate a seamless checkout experience across platforms.

Details of the startup:

• Valuation: $40.00B (May 2019)
• Country: United Kingdom
• State: England
• City: London
• Started in: 2012
• Founders: Guillaume Pousaz
• Number of employees: 1,000-5,000
• Funding: $1,830.00M
• Funding rounds: 4
• Number of investors: 12

You can find their website here.

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2) Ripple

Ripple offers blockchain solutions to transfer money globally with speed and certainty of settlement.

Details of the startup:

• Valuation: $15.00B (December 2019)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2012
• Founders: Arthur Britto, Chris Larsen, Jed McCaleb, Ryan Fugger
• Number of employees: 500-1,000
• Funding: $293.90M
• Funding rounds: 14
• Number of investors: 38

You can find their website here.

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3) Bolt

Bolt enhances the bonds between retailers and their customers by enabling secure, authenticated, and quick checkouts.

Details of the startup:

• Valuation: $11.00B (October 2021)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2014
• Founders: Eric Feldman, Ryan Breslow
• Number of employees: 500-1,000
• Funding: $963.00M
• Funding rounds: 11
• Number of investors: 76

You can find their website here.

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4) TripActions

TripActions is a travel management platform that helps streamline the business travel and expense process for companies.

Details of the startup:

• Valuation: $9.20B (November 2018)
• Country: United States
• State: California
• City: Palo Alto
• Started in: 2015
• Founders: Ariel Cohen, Ilan Twig
• Number of employees: 1,000-5,000
• Funding: $1,040.48M
• Funding rounds: 13
• Number of investors: 21

You can find their website here.

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5) Rapyd

Rapyd is creating a payments platform that integrates with any app, to deliver local payment methods in one service.

Details of the startup:

• Valuation: $8.75B (December 2019)
• Country: United Kingdom
• State: England
• City: London
• Started in: 2016
• Founders: Arik Shtilman, Arkady Karpman, Omer Priel
• Number of employees: 250-500
• Funding: $775.00M
• Funding rounds: 6
• Number of investors: 21

You can find their website here.

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6) Tipalti

Tipalti delivers cloud-based solution designed to help multinational corporations manage their global payables operations.

Details of the startup:

• Valuation: $8.30B (October 2020)
• Country: United States
• State: California
• City: San Mateo
• Started in: 2010
• Founders: Chen Amit, Oren Zeev
• Number of employees: 500-1,000
• Funding: $502.50M
• Funding rounds: 9
• Number of investors: 13

You can find their website here.

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7) Razorpay

Razorpay's payment platform is a single API for accepting transactions and disbursing funds in India.

Details of the startup:

• Valuation: $7.50B (October 2020)
• Country: India
• City: Bengaluru
• Started in: 2013
• Founders: Harshil Mathur, Shashank Kumar
• Number of employees: 1,000-5,000
• Funding: $741.62M
• Funding rounds: 9
• Number of investors: 34

You can find their website here.

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8) Klarna

Klarna combines the simplicity of shopping with the speed of online payment processing to create a superior experience for your customers.

Details of the startup:

• Valuation: $6.70B (December 2011)
• Country: Sweden
• City: Stockholm
• Started in: 2005
• Founders: Niklas Adalberth, Sebastian Siemiatkowski, Victor Jacobsson
• Number of employees: 5,000-10,000
• Funding: $3,471.72M
• Funding rounds: 33
• Number of investors: 65

You can find their website here.

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9) CRED

CRED provides members with a single, easy-to-use platform to organize and manage all of their credit card bills. As a member, you’ll earn cash for each and every one of your payments.

Details of the startup:

• Valuation: $6.40B (April 2021)
• Country: India
• City: Bengaluru
• Started in: 2018
• Founders: Kunal Shah
• Number of employees: 500-1,000
• Funding: $692.48M
• Funding rounds: 8
• Number of investors: 31

You can find their website here.

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10) Airwallex

Airwallex is a fintech platform that includes international payments network, global trade finance platform, and digital currency asset trading for the financial ecosystem.

Details of the startup:

• Valuation: $5.50B (March 2019)
• Country: Australia
• State: Victoria
• City: Melbourne
• Started in: 2015
• Founders: Jack Zhang, Jacob Dai, Lucy Yueting Liu, Max Li
• Number of employees: 1,000-5,000
• Funding: $802.00M
• Funding rounds: 11
• Number of investors: 20

You can find their website here.

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11) Pine Labs

Pine Labs is an Indian merchant payment platform for businesses to provide frictionless payment experiences with its customers.

Details of the startup:

• Valuation: $5.00B (January 2020)
• Country: India
• City: Noida
• Started in: 1998
• Founders: Rajul Garg, Tarun Upaday
• Number of employees: 1,000-5,000
• Funding: $1,077.00M
• Funding rounds: 13
• Number of investors: 25

You can find their website here.

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12) Pleo

Pleo offers smart payment cards for employees to buy work-related products while keeping the company in control of spending.

Details of the startup:

• Valuation: $4.70B (July 2021)
• Country: Denmark
• City: Copenhagen
• Started in: 2015
• Founders: Jeppe Rindom, Niccolo Perra
• Number of employees: 250-500
• Funding: $428.80M
• Funding rounds: 7
• Number of investors: 10

You can find their website here.

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13) Melio

Melio is a cloud-based payment and receivables management platform that enables businesses to manage, track, and optimize their financial flows.

Details of the startup:

• Valuation: $4.00B (January 2021)
• Country: United States
• State: New York
• City: New York
• Started in: 2018
• Founders: Ilan Atias, Matan Bar, Ziv Paz
• Number of employees: 250-500
• Funding: $504.00M
• Funding rounds: 5
• Number of investors: 14

You can find their website here.

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14) SpotOn

SpotOn provides mobile payment technology and management system for restaurants and small businesses.

Details of the startup:

• Valuation: $3.60B (May 2021)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2017
• Founders: Doron Friedman, Matt Hyman, Zach Hyman
• Number of employees: 1,000-5,000
• Funding: $600.00M
• Funding rounds: 7
• Number of investors: 13

You can find their website here.

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15) ChargeBee Technologies

Chargebee provides subscription and recurring billing systems that support e-commerce and subscription businesses. Their intuitive cloud platform makes it easy for you to manage customer subscriptions, invoices, create and send marketing emails and much more.

Details of the startup:

• Valuation: $3.50B (April 2021)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2011
• Founders: KP Saravanan, Krish Subramanian, Rajaraman Santhanam, Thiyagarajan Thiyagu
• Number of employees: 1,000-5,000
• Funding: $468.65M
• Funding rounds: 8
• Number of investors: 7

You can find their website here.

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16) Cedar

Cedar is a payment and engagement solution used by hospitals and medical groups.

Details of the startup:

• Valuation: $3.20B (March 2021)
• Country: United States
• State: New York
• City: New York
• Started in: 2016
• Founders: Arel Lidow, Florian Otto, Kareem Zaki
• Number of employees: 100-250
• Funding: $350.81M
• Funding rounds: 5
• Number of investors: 17

You can find their website here.

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17) Remote

Remote offers international payroll, benefits, and compliance services for employees and contractors.

Details of the startup:

• Valuation: $3.00B (July 2021)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2019
• Founders: Job van der Voort, Marcelo Lebre
• Number of employees: 500-1,000
• Funding: $315.00M
• Funding rounds: 3
• Number of investors: 20

You can find their website here.

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18) Flutterwave

Flutterwave is a global payment technology that helps banks and other financial institutions process cross-border payments at speeds and scale.

Details of the startup:

• Valuation: $3.00B (March 2021)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2016
• Founders: Iyinoluwa Aboyeji, Olugbenga Agboola
• Number of employees: 250-500
• Funding: $474.71M
• Funding rounds: 11
• Number of investors: 48

You can find their website here.

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19) BharatPe

BharatPe is a financial services platform that handles payments using UPI and point-of-sale (POS) terminals and provides businesses with credit or loans.

Details of the startup:

• Valuation: $2.85B (July 2021)
• Country: India
• City: New Delhi
• Started in: 2018
• Founders: Ashneer Grover, Bhavik Koladiya, Shashvat Nakrani
• Number of employees: 1,000-5,000
• Funding: $702.25M
• Funding rounds: 11
• Number of investors: 23

You can find their website here.

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20) Coda Payments

Coda Payments assists digital content providers in more than forty markets in monetizing their products and services.

Details of the startup:

• Valuation: $2.50B (April 2022)
• Country: Singapore
• State: Central Region
• City: Singapore
• Started in: 2011
• Founders: Bobby Choi, Neil Davidson, Paul Leishman
• Number of employees: 251-500
• Funding: $715.25M
• Funding rounds: 8
• Number of investors: 14

You can find their website here.

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21) Greenlight

Greenlight is the first family-friendly debit card that allows parents monitor and set allowances for their children.

Details of the startup:

• Valuation: $2.30B (September 2020)
• Country: United States
• State: Georgia
• City: Atlanta
• Started in: 2014
• Founders: Johnson Cook, Timothy Sheehan
• Number of employees: 250-500
• Funding: $556.50M
• Funding rounds: 6
• Number of investors: 29

You can find their website here.

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22) Jeeves

Jeeves is a fintech company that specialises in expense management and payment processing.

Details of the startup:

• Valuation: $2.10B (March 2022)
• Country: United States
• State: New York
• City: New York
• Started in: 2019
• Founders: Dileep Thazhmon, Sherwin Gandhi
• Number of employees: 101-250
• Funding: $368.00M
• Funding rounds: 5
• Number of investors: 52

You can find their website here.

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23) PayFit

PayFit offers technology that simplifies and automates payroll and HR processes for small and medium-sized businesses.

Details of the startup:

• Valuation: $2.10B (January 2022)
• Country: United Kingdom
• State: England
• City: London
• Started in: 2016
• Founders: Firmin Zocchetto, Florian Fournier, Ghislain de Fontenay
• Number of employees: 500-1,000
• Funding: $497.24M
• Funding rounds: 6
• Number of investors: 15

You can find their website here.

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24) GoCardless

GoCardless is a payment company that makes collecting payments by direct debit easy for everyone.

Details of the startup:

• Valuation: $2.10B (February 2022)
• Country: United Kingdom
• State: England
• City: London
• Started in: 2011
• Founders: Hiroki Takeuchi, Matt Robinson, Tom Blomfield
• Number of employees: 500-1,000
• Funding: $529.32M
• Funding rounds: 10
• Number of investors: 18

You can find their website here.

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25) Modern Treasury

Modern Treasury offers a payment operations platform used to simplify and modernize business payments.

Details of the startup:

• Valuation: $2.00B (October 2021)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2018
• Founders: Dimitri Dadiomov, Matthew Marcus, Sam Aarons
• Number of employees: 10-50
• Funding: $133.12M
• Funding rounds: 4
• Number of investors: 10

You can find their website here.

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26) Chipper Cash

Chipper Cash is a fintech company that specializes in mobile cross-border money transfers.

Details of the startup:

• Valuation: $2.00B (June 2021)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2017
• Founders: Ham Serunjogi, Maijid Moujaled
• Number of employees: 100-250
• Funding: $302.60M
• Funding rounds: 6
• Number of investors: 21

You can find their website here.

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27) Zilch

Zilch is a buy now, pay later app that allows its customers to shop wherever Mastercard is accepted.

Details of the startup:

• Valuation: $2.00B (November 2021)
• Country: United Kingdom
• State: England
• City: London
• Started in: 2018
• Founders: Philip Belamant
• Number of employees: 100-250
• Funding: $339.20M
• Funding rounds: 5
• Number of investors: 6

You can find their website here.

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28) Clip

Clip is a payment terminal that enables businesses to accept all electronic payment methods with ease.

Details of the startup:

• Valuation: $2.00B (June 2021)
• Country: Mexico
• City: Mexico City
• Started in: 2012
• Founders: Adolfo Babatz, Vilash Poovala
• Number of employees: 250-500
• Funding: $397.36M
• Funding rounds: 10
• Number of investors: 16

You can find their website here.

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29) Kushki

Kushki provides an integrated payments platform as well as omnichannel solutions for e-commerce, m-commerce, and physical stores to clients.

Details of the startup:

• Valuation: $1.50B (June 2022)
• Country: Ecuador
• State: Pichincha
• City: Quito
• Started in: 2017
• Founders: Aron Schwarzkopf, Daniela Espinosa, Jose Santacruz, Madeleine Clavijo Verjel, Melissa Castro, Sebastian Castro
• Number of employees: 501-1000
• Funding: $194.00M
• Funding rounds: 5
• Number of investors: 11

You can find their website here.

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30) Dock

Dock is a financial technology company that combines card issuing and core banking services.

Details of the startup:

• Valuation: $1.50B (May 2022)
• Country: Brazil
• State: Sao Paulo
• City: São Paulo
• Started in: 2014
• Founders: Diogo Frenkel, Frederico Amaral, Marcelo Jacques
• Number of employees: 1001-5000
• Funding: $280.00M
• Funding rounds: 4
• Number of investors: 7

You can find their website here.

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31) Spendesk

Spendesk is a smart spend management software designed for both finance teams and employees.

Details of the startup:

• Valuation: $1.50B (January 2022)
• Country: France
• City: Paris
• Started in: 2015
• Founders: Jordane Giuly, Rodolphe Ardant, Thibaud Elziere
• Number of employees: 250-500
• Funding: $300.34M
• Funding rounds: 7
• Number of investors: 23

You can find their website here.

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32) Justworks

Justworks provides essential human-centric benefits, payroll, HR, and employee engagement software for small businesses.

Details of the startup:

• Valuation: $1.43B (January 2020)
• Country: United States
• State: New York
• City: New York
• Started in: 2012
• Founders: Iris Ramos, Isaac Oates
• Number of employees: 500-1,000
• Funding: $143.00M
• Funding rounds: 6
• Number of investors: 15

You can find their website here.

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33) Paddle

Paddle provides payment infrastructure to SaaS companies.

Details of the startup:

• Valuation: $1.40B (May 2022)
• Country: United Kingdom
• State: England
• City: London
• Started in: 2012
• Founders: Christian Owens, Harrison Rose
• Number of employees: 101-250
• Funding: $293.34M
• Funding rounds: 10
• Number of investors: 11

You can find their website here.

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34) Incode Technologies

Incode Technologies is a real-life verification company that specializes in omnichannel biometric identity.

Details of the startup:

• Valuation: $1.25B (December 2021)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2015
• Founders: Ricardo Amper
• Number of employees: 100-250
• Funding: $255.00M
• Funding rounds: 4
• Number of investors: 12

You can find their website here.

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35) Zip

Zip is a provider of online payment technology that provides consumers with credit options for online shopping.

Details of the startup:

• Valuation: $1.20B (May 2022)
• Country: Australia
• State: New South Wales
• City: Sydney
• Started in: 2013
• Founders: Brad Lindenberg, Larry Diamond, Niamh Mc Enaney, Peter Gray, Peter Gray
• Number of employees: 501-1000
• Funding: $893.56M
• Funding rounds: 8
• Number of investors: 4

You can find their website here.

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36) Happy Money

Financial Tools and Services for Human Happiness

Details of the startup:

• Valuation: $1.15B (February 2022)
• Country: United States
• State: California
• City: Tustin
• Started in: 2009
• Founders: Eden Warner, Scott Saunders
• Number of employees: 250-500
• Funding: $115.00M
• Funding rounds: 7
• Number of investors: 7

You can find their website here.

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37) Fundbox

Fundbox is an AI-powered financial platform for small businesses.

Details of the startup:

• Valuation: $1.10B (November 2021)
• Country: United States
• State: Texas
• City: Plano
• Started in: 2013
• Founders: Eyal Shinar, Tomer Michaeli, Yuval Ariav
• Number of employees: 250-500
• Funding: $553.50M
• Funding rounds: 8
• Number of investors: 35

You can find their website here.

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38) MobileCoin

MobileCoin is a cryptocurrency platform that provides anti-fraud services and payment systems for merchants.

Details of the startup:

• Valuation: $1.06B (July 2021)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2018
• Founders: Joshua Goldbard
• Number of employees: 10-50
• Funding: $108.03M
• Funding rounds: 4
• Number of investors: 30

You can find their website here.

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39) C2FO

C2FO is a leading provider of business financial management software. Its cloud-based platform helps businesses of all sizes increase cash flow and manage their accounts payable and accounts receivable in real time.

Details of the startup:

• Valuation: $1.05B (August 2019)
• Country: United States
• State: Kansas
• City: Leawood
• Started in: 2008
• Founders: Alexander C. Kemper, Pete Thomas
• Number of employees: 250-500
• Funding: $474.68M
• Funding rounds: 9
• Number of investors: 14

You can find their website here.

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40) Oyster

Oyster is a provider of digital financial services for freelancers, startups, and small and medium-sized businesses (SMEs).

Details of the startup:

• Valuation: $1.00B (April 2022)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2018
• Founders: Gabriel Leon, Vilash Poovala
• Number of employees: 51-100
• Funding: $14.00M
• Funding rounds: 2
• Number of investors: 10

You can find their website here.

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41) Zebec

Zebec is a Solana continuous settlement protocol. Beginning with Stream Payroll, Zebec is enabling the composable transfer of value.

Details of the startup:

• Valuation: $1.00B (August 2022)
• Country: United States
• State: California
• City: San Francisco
• Started in: 2021
• Founders: Sam Thapaliya
• Number of employees: 1-10
• Funding: $42.50M
• Funding rounds: 3
• Number of investors: 28

You can find their website here.

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42) Paystand

Paystand is a B2B billing and payment platform hosted in the cloud.

Details of the startup:

• Valuation: $1.00B (August 2022)
• Country: United States
• State: California
• City: Scotts Valley
• Started in: 2013
• Founders: Jeremy Almond, Scott Campbell
• Number of employees: 51-100
• Funding: $98.00M
• Funding rounds: 8
• Number of investors: 21

You can find their website here.

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43) TransferMate

TransferMate creates a B2B payment platform that automates the manual tasks associated with paying and receiving payments.

Details of the startup:

• Valuation: $1.00B (May 2022)
• Country: Ireland
• State: Kilkenny
• City: Kilkenny
• Started in: 2010
• Founders: Barry Dowling, Sinead Fitzmaurice, Terry Clune
• Number of employees: 251-500
• Funding: $129.69M
• Funding rounds: 3
• Number of investors: 3

You can find their website here.

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44) FLASH

Flash focuses on food vouchers in Brazil, developing an all-in-one tool that combines a MasterCard, a frequently used app, and an HR platform.

Details of the startup:

• Valuation: $1.00B (March 2022)
• Country: Brazil
• State: Sao Paulo
• City: São Paulo
• Started in: 2019
• Founders: Guilherme Lane, Pedro Lane, Ricardo Salem
• Number of employees: 251-500
• Funding: $130.00M
• Funding rounds: 4
• Number of investors: 16

You can find their website here.

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45) Payhawk

Payhawk is a financial system that integrates credit cards, payments, expenses, and cash into a single experience.

Details of the startup:

• Valuation: $1.00B (February 2022)
• Country: United Kingdom
• State: England
• City: London
• Started in: 2018
• Founders: Boyko Karadzhov, Hristo Borisov, Konstantin Dzhengozov
• Number of employees: 251-500
• Funding: $239.07M
• Funding rounds: 6
• Number of investors: 18

You can find their website here.

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46) Opn

Opn provides fintech solutions, consulting, and digital e-commerce solutions.

Details of the startup:

• Valuation: $1.00B (May 2022)
• Country: Japan
• State: Tokyo
• City: Tokyo
• Started in: 2013
• Founders: Jun Hasegawa
• Number of employees: 101-250
• Funding: $260.40M
• Funding rounds: 10
• Number of investors: 25

You can find their website here.

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47) Satispay

Satispay is a fintech company that offers a mobile payment platform that accepts bank accounts.

Details of the startup:

• Valuation: $1.00B (September 2022)
• Country: Italy
• State: Lombardia
• City: Milan
• Started in: 2013
• Founders: Alberto Dalmasso, Dario Brignone, Samuele Pinta
• Number of employees: 251-500
• Funding: $471.47M
• Funding rounds: 10
• Number of investors: 26

You can find their website here.

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48) Scalapay

Scalapay is a payment solution provider that enables customers to purchase and pay in three installments without incurring any additional interest.

Details of the startup:

• Valuation: $1.00B (February 2022)
• Country: Italy
• State: Lombardia
• City: Milan
• Started in: 2019
• Founders: Johnny Mitrevski, Simone Mancini
• Number of employees: 51-100
• Funding: $727.48M
• Funding rounds: 5
• Number of investors: 11

You can find their website here.

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49) Clara

Spend management from start to finish for Latin American businesses.

Details of the startup:

• Valuation: $1.00B (December 2021)
• Country: Mexico
• City: Mexico City
• Started in: 2020
• Founders: Diego Garcia, Gerry Giacoman Colyer, Guilherme Penna
• Number of employees: 100-250
• Funding: $108.50M
• Funding rounds: 6
• Number of investors: 43

You can find their website here.

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50) Wrapbook

Wrapbook provides digital profiles that facilitate onboarding, paying and insuring project workforces compliantly.

Details of the startup:

• Valuation: $1.00B (November 2021)
• Country: United States
• State: New York
• City: New York
• Started in: 2018
• Founders: Ali Javid, Cameron Woodward, Hesham El-Nahhas, Naysawn Naji
• Number of employees: 50-100
• Funding: $130.60M
• Funding rounds: 3
• Number of investors: 10

You can find their website here.

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51) Freshbooks

FreshBooks is a software company that provides cloud-based accounting software for small and medium-sized businesses.

Details of the startup:

• Valuation: $1.00B (August 2021)
• Country: Canada
• State: Ontario
• City: Toronto
• Started in: 2004
• Founders: Levi Cooperman, Michael McDerment
• Number of employees: 250-500
• Funding: $203.75M
• Funding rounds: 7
• Number of investors: 11

You can find their website here.

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52) Xendit

Xendit is fintech company that provides payment infrastructure across South East Asia.

Details of the startup:

• Valuation: $1.00B (September 2021)
• Country: Indonesia
• City: Jakarta
• Started in: 2014
• Founders: Bo Chen, Juan Gonzalez, Moses Lo, Tessa Wijaya
• Number of employees: 500-1,000
• Funding: $215.01M
• Funding rounds: 6
• Number of investors: 9

You can find their website here.

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53) MobiKwik

MobiKwik is India’s leading fintech platform, operating businesses in consumer payments, payment gateway, and financial services.

Details of the startup:

• Valuation: $1.00B (October 2021)
• Country: India
• City: Haryana
• Started in: 2009
• Founders: Bipin Singh, Chandan Joshi, Upasana Taku
• Number of employees: 250-500
• Funding: $248.96M
• Funding rounds: 16
• Number of investors: 27

You can find their website here.

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54) NIUM

Nium is a global payments platform redefining how consumers and businesses can send, spend, and receive funds around the world.

Details of the startup:

• Valuation: $1.00B (July 2021)
• Country: Singapore
• Started in: 2014
• Founders: Michael Bermingham, Prajit Nanu, Pratik Gandhi
• Number of employees: 250-500
• Funding: $259.10M
• Funding rounds: 8
• Number of investors: 23

You can find their website here.

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55) PPRO

PPRO’s mission is to enable consumers, merchants and financial institutions to send and receive payments with ease.

Details of the startup:

• Valuation: $1.00B (January 2021)
• Country: United Kingdom
• State: England
• City: London
• Started in: 2006
• Founders: Philipp Nieland, Tobias Schreyer
• Number of employees: 250-500
• Funding: $370.00M
• Funding rounds: 7
• Number of investors: 10

You can find their website here.

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56) EBANX

EBANX is a financial services company that specializes in creating customized digital solutions for any retailer.

Details of the startup:

• Valuation: $1.00B (October 2019)
• Country: Brazil
• City: Curitiba
• Started in: 2012
• Founders: Alphonse Voigt, João Del Valle, Wagner Ruiz
• Number of employees: 500-1,000
• Funding: $460.00M
• Funding rounds: 3
• Number of investors: 3

You can find their website here.

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