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The Full List of 84 Payments Unicorn Startups (2026)

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The global payments sector is home to 84 unicorn startups, creating a competitive landscape for financial technology. At the top is China's Ant Group, which has reached a valuation of $150B.

Other major players include Stripe with a $92B valuation and Revolut at $75B, highlighting the industry's high-growth nature.

Below is the full list of 84 Payments unicorn startups at this time.

Top 10 Most Valuable Payments Unicorns

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Ant Group builds the technology infrastructure for financial services, aiming to connect consumers and small businesses with digital payment tools. Their most recognized product is Alipay, a massive digital wallet and lifestyle platform that has expanded to include services like loans and wealth management.

Valuation$150B
HeadquartersHangzhou, Zhejiang, China
Year Founded2014
FoundersJack Ma
Funding Amount$28.5B
Company SizeEnterprise Organization (5,001+)
Last Funding StatusSeries C
Top InvestorsSequoia Capital, Temasek Holdings, BNP Paribas, General Atlantic, Warburg Pincus

Stripe develops a suite of APIs that power online payment processing and commerce for internet businesses. Their platform is widely recognized for its developer-friendly tools that simplify accepting payments and managing online business operations.

Valuation$92B (Joined January 2014)
HeadquartersSouth San Francisco, California, United States
Year Founded2010
FoundersJohn Collison
Funding Amount$9.4B
Company SizeEnterprise Organization (5,001+)
Last Funding StatusVenture Round
Top InvestorsFounders Fund, Khosla Ventures, Andreessen Horowitz, Sequoia Capital, General Catalyst

Revolut created a financial app that combines banking services, money transfers, and foreign exchange. Their platform gives users detailed spending analytics to help them manage their money from one place.

Valuation$75B (Joined April 2018)
HeadquartersLondon, England, United Kingdom
Year Founded2015
FoundersNikolay Storonsky, Vlad Yatsenko
Funding Amount$1.9B
Company SizeEnterprise Organization (5,001+)
Last Funding StatusUndisclosed
Top InvestorsBond, Lakestar, Ribbit Capital, Index Ventures, Coatue

Ripple develops enterprise blockchain technology for financial institutions, enabling faster cross-border payments and digital asset custody. Their core payment network provides a modern alternative to traditional systems for moving value around the world.

Valuation$40B (Joined December 2019)
HeadquartersSan Francisco, California, United States
Year Founded2012
FoundersArthur Britto, Chris Larsen, Jed McCaleb, Ryan Fugger
Funding Amount$793.8M
Company SizeLarge Team (251-1,000)
Last Funding StatusVenture Round
Top InvestorsAbstract, Lightspeed Venture Partners, Citadel Securities, Pantera Capital, Andreessen Horowitz

Checkout.com provides a flexible payments platform that helps enterprise brands manage and process transactions on a global scale. Their technology allows businesses to accept a wide range of payment methods and optimize revenue through a single, integrated API.

Valuation$40B (Joined May 2019)
HeadquartersLondon, England, United Kingdom
Year Founded2012
FoundersGuillaume Pousaz
Funding Amount$1.8B
Company SizeMajor Organization (1,001-5,000)
Last Funding StatusSeries D
Top InvestorsInsight Partners, Ribbit Capital, Endeavor Catalyst, Coatue, Franklin Templeton

PhonePe developed a popular mobile application for digital payments and financial services across India. Their platform enables users to easily transfer money, pay bills, and access a suite of financial tools.

Valuation$15B
HeadquartersAndheri, Maharashtra, India
Year Founded2015
FoundersBurzin Engineer, Rahul Chari, Sameer Nigam
Funding Amount$3.2B
Company SizeEnterprise Organization (5,001+)
Last Funding StatusPrivate Equity
Top InvestorsGeneral Atlantic, Tiger Global Management, Tencent, Walmart, Ribbit Capital

Rapyd provides a global payments platform that lets businesses embed financial services into their own applications. Their system simplifies the complexity of international sales by unifying local payment methods from around the world.

Valuation$8.75B (Joined December 2019)
HeadquartersLondon, England, United Kingdom
Year Founded2016
FoundersOmer Priel
Funding Amount$1.3B
Company SizeLarge Team (251-1,000)
Last Funding StatusSeries F
Top InvestorsGeneral Catalyst, BlackRock, Spark Capital, Oak HC/FT, Stripe

SumUp builds financial tools that allow businesses to accept card payments at the point of sale or on the go. They are known for their simple card readers and a suite of business tools designed to support small merchants.

Valuation$8.5B (Joined July 2019)
HeadquartersLondon, England, United Kingdom
Year Founded2011
FoundersJan Deepen, Marc-Alexander Christ, Petter Made, Stefan Jeschonnek
Funding Amount$4B
Company SizeMajor Organization (1,001-5,000)
Last Funding StatusPrivate Equity
Top InvestorsDeutsche Bank, Sixth Street, BlackRock, Temasek Holdings, Goldman Sachs

Tipalti built a global payables automation platform to manage the entire accounts payable workflow for businesses. Their software streamlines mass payments to suppliers across the globe, handling everything from onboarding and tax compliance to currency conversion.

Valuation$8.3B (Joined October 2020)
HeadquartersFoster City, California, United States
Year Founded2010
FoundersChen Amit, Oren Zeev
Funding Amount$915M
Company SizeMajor Organization (1,001-5,000)
Last Funding StatusSeries F
Top Investors01 Advisors, JP Morgan Chase, Zeev Ventures, Group 11, G Squared

Razorpay builds a comprehensive payments platform that allows businesses to manage their entire money flow. They provide a suite of software solutions for accepting customer payments, automating payouts, and handling business banking needs.

Valuation$7.5B (Joined October 2020)
HeadquartersBangalore, Karnataka, India
Year Founded2014
FoundersHarshil Mathur, Shashank Kumar
Funding Amount$816.4M
Company SizeMajor Organization (1,001-5,000)
Last Funding StatusSeries F
Top InvestorsRibbit Capital, Z47, Lightspeed Venture Partners, Y Combinator, Peak XV Partners

The Remaining 74 Payments Unicorns

The ten most valuable companies offer a snapshot of where the payments industry is headed. But they represent only a small piece of a much larger global movement.

While the United States is home to the largest share of these startups, founders from more than twenty countries are building billion-dollar payments businesses. Here’s a look at the other companies that are redefining how money moves.

Unicorn StartupCountryYear FoundedAmount RaisedValuation
Toss logo TossSouth Korea2011$1.4B$7B
Mollie logo MollieThe Netherlands2004$928M$6.5B
CRED logo CREDIndia2018$873.6M$6.4B
Airwallex logo AirwallexSingapore2015$1.5B$8B
Pine Labs logo Pine LabsIndia1998$1.2B$5B
Pleo logo PleoDenmark2015$470.9M$5B
Zepz logo ZepzUnited Kingdom2010$1.1B$5B
Tempo logo TempoUnited States2025$500M$5B
Tabby logo TabbySaudi Arabia2019$1.9B$5B
Qonto logo QontoFrance2016$709.5M$5B
Lendable logo LendableUnited Kingdom2014$1.6B$5B
Entrata logo EntrataUnited States2003$707M$4B
SpotOn logo SpotOnUnited States2017$918M$4B
GrubMarket logo GrubMarketUnited States2014$549.1M$4B
Chargebee logo ChargebeeUnited States2011$468.2M$4B
MoonPay logo MoonPayUnited States2019$1B$3.4B
Cedar logo CedarUnited States2016$419.4M$3.2B
Flutterwave logo FlutterwaveUnited States2016$474.5M$3B
BharatPe logo BharatPeIndia2018$823.2M$3B
Grab Financial Group logo Grab Financial GroupSingapore2018$4B$3B
Ualá logo UaláArgentina2017$910M$3B
One logo OneUnited States2022$300M$3B
Momo logo MomoVietnam2007$433.8M$2.27B
GoCardless logo GoCardlessUnited Kingdom2011$529.3M$2.1B
PayFit logo PayFitFrance2015$495.8M$2.1B
Viva Wallet logo Viva WalletGreece2010$989.5M$2.05B
NMI logo NMIUnited States2001$620M$2B
Modern Treasury logo Modern TreasuryUnited States2018$183M$2B
Recharge logo RechargeUnited States2014$277M$2B
Zilch logo ZilchUnited Kingdom2018$646M$2B
Chipper Cash logo Chipper CashUnited States2018$337.2M$2.B
OPay logo OPayNigeria2018$570M$2B
Kushki logo KushkiEcuador2017$194M$2B
Dock logo DockBrazil2014$280M$2B
Ascend Money logo Ascend MoneyThailand2015$345M$2B
slice logo sliceIndia2016$386.9M$2B
Wave Mobile Money logo Wave Mobile MoneySenegal2008$438.7M$2B
Coda logo CodaSingapore2011$715.3M$2B
Jeeves Inc. logo Jeeves Inc.United States2019$443M$2B
Clip logo ClipMexico2012$553.7M$2B
Zeta logo ZetaUnited States2015$390M$2B
Planet Payment logo Planet PaymentIreland1985$25M$2B
Spendesk logo SpendeskFrance2016$311.8M$1.5B
Nium logo NiumSingapore2014$338M$1.4B
Paddle logo PaddleUnited Kingdom2012$318.3M$1.4B
Incode Technologies logo Incode TechnologiesUnited States2015$257.1M$1.25B
DANA logo DANAIndonesia2017$554.5M$1.13B
Fundbox logo FundboxUnited States2013$553.5M$1.1B
MobileCoin logo MobileCoinUnited States2017$107.4M$1.06B
Moniepoint logo MoniepointUnited Kingdom2015$323.1M$1B
RedotPay logo RedotPayHong Kong2023$87M$1B
EBANX logo EBANXBrazil2012$460M$1B
Clara logo ClaraBrazil2020$492M$1B
Stax logo StaxUnited States2014$263.3M$1B
Xendit logo XenditIndonesia2014$534.7M$1B
Interswitch logo InterswitchNigeria2002$320.5M$1B
Maya logo MayaPhilippines2013$712M$1B
TransferMate logo TransferMateIreland2012$129.7M$1B
Paystand logo PaystandUnited States2013$98M$1B
Payhawk logo PayhawkUnited Kingdom2018$239.1M$1B
Tamara logo TamaraSaudi Arabia2020$2.4B$1B
PPRO logo PPROUnited Kingdom2006$463.1M$1B
Satispay logo SatispayItaly2013$533.2M$1B
FreshBooks logo FreshBooksCanada2003$456.9M$1B
Lydia logo LydiaFrance2013$259.6M$1B
stc pay logo stc paySaudi Arabia2018$200M$1B
Opn logo OpnJapan2013$260.4M$1B
Zebec logo ZebecUnited States2021$42.5M$1B
VNLIFE logo VNLIFEVietnam2007$550M$1B
OfferUp logo OfferUpUnited States2011$381M$1B
C2FO logo C2FOUnited States2008$568.4M$1B
Sightline Payments logo Sightline PaymentsUnited States2010$347.3M$1B
Swile logo SwileFrance2018$325.8M$1B
Scalapay logo ScalapayItaly2019$4B$1B

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