Google for Startups is an initiative launched in 2011 that focuses on supporting startups globally by providing access to Google's products, connections, and best practices. The program partners with over fifty leading startup organizations to foster entrepreneurial ecosystems in more than 135 countries. It offers various resources, including financial support and exclusive programming, to help these partners and their startups thrive. Central to this initiative are six Google for Startups Campuses located in London, Tel Aviv, Seoul, Madrid, São Paulo, and Warsaw. These Campuses serve as collaborative spaces where startup founders can access mentorship, educational resources, and networking opportunities within their local communities. Startups benefit from free workspaces, community events, and a network of like-minded entrepreneurs, all aimed at nurturing their growth and innovation across diverse sectors such as healthcare, retail, finance, and technology.
Lideflow provides a powerful API that connects cross-chain stablecoins with traditional financial systems, ensuring secure, fast and cost-effective global payments.
Nobuk Africa
Non Equity Assistance in 2024
Nobuk is a payments reconciliation company enabling groups and collectives in Africa collect funds effortlessly and automatically reconcile and organize records into easily shareable reports.
BezoMoney
Non Equity Assistance in 2023
BezoMoney is a digital savings platform based in Accra, Ghana, aimed at assisting low-income earners in effective saving. It offers both personal and group e-wallets, enabling users to save individually or collaboratively through group savings initiatives. The platform includes a mobile application with features that promote financial discipline, such as a personal wallet with a locking mechanism that encourages users to save over time. Additionally, BezoMoney employs a machine learning model that rewards consistent saving behavior with points, which can be redeemed for discounts, property acquisition, and investment opportunities. By enhancing users' creditworthiness and providing access to bulk capital through group savings, BezoMoney strives to foster financial independence among the unbanked and young people, ensuring transparency, accountability, and security in all transactions.
Raenest
Non Equity Assistance in 2023
Raenest is a financial technology company that simplifies invoicing and payment processes for startups and freelancers, particularly in Africa. It allows users to send and receive invoices in various currencies, facilitating seamless cross-border transactions. The platform provides tools for automated onboarding, verification, and salary disbursement, enabling businesses to manage payments efficiently. By offering features like virtual cards, Raenest helps companies coordinate payments, ensure compliance, and manage expenses more effectively. Its services support fast and cost-effective money transfers, making it easier for businesses to engage with freelancers, contractors, and vendors globally.
UniPay
Pre Seed Round in 2023
UniPay is an eCommerce platform for infrastructure and industry-lacking regions that offers 5 products that enable trust, promote transparency, and enforce accountability.
HeptaPay
Non Equity Assistance in 2023
HeptaPay is a bill payment application focused on the East African region. The company aims to simplify financial transactions by providing an accessible platform for users to manage their bill payments efficiently. In addition to its payment services, HeptaPay develops enterprise software that enhances data analysis for informed decision-making. This platform offers various services, including infrastructure and cloud solutions, big data analytics, and API development, allowing clients to interpret and visualize data effectively. Through its innovative approach, HeptaPay seeks to empower individuals and businesses in East Africa to navigate their financial obligations with ease.
SUITCH SAS
Non Equity Assistance in 2023
SUITCH SAS is a company focused on enhancing financial literacy among youth and facilitating efficient financial transactions through a mobile money platform. By offering mobile payment solutions, SUITCH SAS aims to provide tailored financial products and services that meet the specific needs of young individuals. The platform also enables users to access advantageous deals and discounts at various merchant locations, thereby assisting micro and small enterprises in better managing their finances. Through its innovative approach, SUITCH SAS seeks to empower the younger generation by promoting financial education and digital transaction capabilities.
Chimoney
Grant in 2023
Chimoney is an online payment platform that facilitates the movement of value between various currencies, ledgers, and protocols. The company provides a robust infrastructure and API, enabling businesses and developers to efficiently manage their payment processes and financial activities. With a focus on simplicity, security, and efficiency, Chimoney allows clients to send and receive cross-border payments using multiple currencies and payment methods. This capability empowers businesses to expand their global payment operations and improve their overall financial performance.
CashEx
Pre Seed Round in 2022
CashEx is a digital banking mobile application platform based in Cambridge, Massachusetts, designed to facilitate financial inclusion for Africans moving to the United States. The platform allows users to send and receive money without incurring transaction fees and offers a range of features including easy signup, a multi-currency wallet, a fund wallet, and currency swapping. By providing access to US bank accounts and debit cards, CashEx aims to improve global transactions and ensure that immigrants have equitable access to essential financial services.
Flexpay
Non Equity Assistance in 2022
Flexpay is a Nairobi-based company that operates a digital payment wallet, facilitating electronic transactions for individuals. It offers a range of products, including Flex Rent for managing residential and commercial rent payments, Flex Travel for holiday package payments, and Flex Retail for transactions with partner merchants. The company has developed an automated platform that enables both merchants and customers to manage flexible payments for goods and services through mobile money and bank transfer systems. This platform allows users to break down their purchases into manageable installments, enhancing affordability. Flexpay's innovative Save Now, Buy Later (SNBL) model empowers merchants to provide personalized incremental saving plans, thereby revolutionizing the payment process and improving customer engagement across Africa.
Deposits
Non Equity Assistance in 2022
Deposits is a fintech company that develops a low-code, cloud-based platform aimed at enhancing the financial service offerings of banks and brands. By partnering with various financial institutions and businesses, Deposits provides a streamlined approach to money management and employee benefits. Its platform enables community banks, credit unions, insurers, and retailers to modernize their services and engage effectively with their customers. The tools offered include payment processing, mobile applications, and lending solutions, all designed to foster financial innovation and inclusion. Through these services, Deposits aims to transform workplace financial experiences and simplify access to essential financial services.
DohYangu
Non Equity Assistance in 2022
DohYangu is a shopper cashback application that provides rewards to consumers based on their purchases. The app enables users to receive instant cashback through mobile money, enhancing the shopping experience by directly incentivizing spending. Additionally, DohYangu supports suppliers by allowing them to monitor their marketing performance and gain insights into consumer behavior. This integration with retailers' management systems facilitates the implementation of promotional campaigns, enabling a streamlined approach for clients to boost their sales while offering consumers access to promotions from various brands.
kubo.financiero
Non Equity Assistance in 2022
Kubo.financiero is a regulated finance company based in Mexico that provides a range of financial services including digital savings accounts, personal loans, term deposits, and a wallet application. Its innovative platform is designed to facilitate access to financial resources while promoting a lean operational model that results in lower interest rates for borrowers and higher returns for depositors. Kubo.financiero aims to foster financial inclusion and support the growth of Mexico's emerging middle class through customer-centric services that encourage economic empowerment and financial freedom.
Nomad
Non Equity Assistance in 2022
Nomad is a fintech company that provides financial services such as a bank account and an investment platform. It develops an application where users can open an account and can use it to travel, buy, save money, and invest in the USA. It also offers remittances and a debit card.
NG.CASH
Non Equity Assistance in 2022
NG.CASH is a digital app designed to help Generation Z become financially independent. It allows users to manage their own money with solutions such as PIX (Brazil’s “instant-payment” method), prepaid credit cards, allowance management, and a virtual card. Structured as a financial hub, NG.CASH aims to accompany its clients throughout their lives and increase financial literacy in the region.
Moneta Tech / App
Pre Seed Round in 2022
Moneta is a financial service for merchants to use at the POS. After a customer pays with cash, It enables the cashiers to send back the spare change digitally whether the customer has a bank account or not. Moneta not only understands that decentralized currency is the future but we want to do our part by being the final frontier between the physical and digital currency. Pay cash and receive crypto as your change.
isaac
Non Equity Assistance in 2022
Isaac is an all-in-one platform designed to streamline financial management for schools, enabling them to focus on educational priorities. By providing a comprehensive suite of services that includes payment processing, financial products, software, and communication tools, Isaac simplifies school administration. The platform automates tuition payment receivables, thereby reducing financial risks for educational institutions and ensuring a seamless payment experience for parents. Additionally, Isaac offers detailed financial analysis tools that give schools insight into their financial conditions, allowing for better planning and resource allocation. Each month, Isaac disburses a predetermined amount to schools, based on their projected income, ensuring consistent financial support.
Higo
Non Equity Assistance in 2022
Higo is a developer of payment software aimed at enhancing the procure-to-pay process for B2B companies and their suppliers. The software centralizes invoice receipt, automates the approval workflow, and simplifies payment transactions, thereby streamlining supplier and logistics interactions. By focusing on small and medium-sized businesses, Higo enables these companies to optimize their cash flow and improve operational efficiency. The company's solutions are designed to address the complexities of multi-stakeholder commercial relationships, making financial processes more straightforward and effective.
Xente
Non Equity Assistance in 2022
Xente is a company that provides a payment platform aimed at simplifying financial transactions for businesses in Africa. By offering smart Visa cards and facilitating e-commerce and cashless transactions, Xente supports a range of payment needs, including mobile, utilities, travel, events, and entertainment. Its neo-bank platform is designed to enhance the digital transformation in East Africa, where many transactions still occur manually. This enables both customers and businesses to engage in reliable and secure transactions from any mobile device, promoting a more efficient and accessible financial ecosystem.
Kyshi
Non Equity Assistance in 2022
Kyshi is a fintech company founded in 2020 by Ayo Akindele, headquartered in London, England. It specializes in providing digital banking solutions focused on facilitating money transfers to and from Africa. The company's proprietary platform features a global multi-currency wallet that allows users to create, fund, hold, and exchange various currencies at their preferred rates. By streamlining cross-border transactions, Kyshi aims to enhance the user experience, making money transfers more efficient and accessible anytime and anywhere.
ClinicPesa
Non Equity Assistance in 2022
ClinicPesa is a financial technology company that specializes in healthcare financing. It has developed a digital micro-savings and loan platform designed to offer users convenient and affordable access to healthcare services. The platform provides three types of accounts accessible via USSD and an Android application, allowing users to set up standing orders for saving money over a specified period. This functionality enables users to access their savings and loans for expenses related to registered healthcare providers, thereby alleviating the financial burden of medical bills and drug purchases.
Asilimia
Non Equity Assistance in 2022
Asilimia is a mobile payment platform designed to facilitate financial transactions for African micro-entrepreneurs. The application allows users to send money through M-PESA quickly and without transaction fees, making it a cost-effective solution for digital money transfers. Users can deposit funds into their M-PESA accounts and use the Asilimia app to send money to any other M-PESA account seamlessly. In addition to its payment capabilities, Asilimia helps business owners manage their finances by digitizing transactions and providing tools for cash-based accounting. This comprehensive approach enables micro-entrepreneurs to maintain accurate financial records, track outstanding debits and credits, and streamline their business operations.
Zuberi Technologies Limited
Non Equity Assistance in 2022
Zuberi Technologies Limited operates in the HR-fintech sector, offering innovative payment solutions through its platform, Zuberi Pay. This on-demand mobile employee benefits app is designed for African salaried workers, allowing them to access their earned wages on a daily basis instead of waiting for the end of the month. By providing an interest-free alternative to traditional digital loans, Zuberi Pay aims to enhance the financial wellbeing of employees. The platform partners with companies across Africa that prioritize employee welfare and seek to improve workplace financial stability.
Bailport
Non Equity Assistance in 2022
Bailport is a developer of a multi-currency e-wallet that leverages blockchain technology to provide low-cost payment solutions, primarily targeting the African market. The e-wallet allows users to exchange, save, and send money instantly at competitive rates. It serves as a mobile-only banking alternative, facilitating seamless money transfers from Africa to various global destinations.
Cauri Money
Non Equity Assistance in 2022
Cauri Money is a financial services company that offers users a comprehensive platform for money management and transfer. It provides a wallet and a BG IBAN, allowing users to exchange, save, manage, and send money easily. The platform includes features such as peer-to-peer payments, as well as virtual and physical Mastercards. Cauri Money also facilitates wallet recharge, phone recharge, and invoice payments, making it particularly useful for sending money to Africa and managing daily expenditures. The service is accessible to anyone, regardless of their banking affiliation, and includes support from a dedicated financial supervisor.
Eversend
Non Equity Assistance in 2022
Eversend SAS, founded in 2017 and based in Paris, France, offers a multi-currency e-wallet application that enables users to send and receive money, buy cryptocurrency, create virtual cards, and purchase airtime. The platform leverages blockchain technology to provide a digital payment gateway, facilitating electronic money transfers to bank accounts and mobile payments while minimizing costs associated with fees and foreign exchange. In addition to its current services, Eversend plans to expand its offerings to include personal loans, savings, group savings, merchant payments, and investment options. The company aims to grow its presence in Nigeria, Francophone Africa, and Europe while utilizing funds for product development, user acquisition, and regulatory compliance.
Payin7
Non Equity Assistance in 2021
Payin7 discovers the possibility of delaying payment by financing your purchases in easy installments. From 2 to 12 installments. From 35 euros to 1500 euros. Payin7 is a company 100% Spanish equity. It was founded by professionals with over 25 years of experience in banking and electronic commerce.
CredPal
Grant in 2021
CredPal is a financial platform that enables both businesses and individuals to make purchases and pay for them in installments at various online and offline merchants. Launched in 2018 by Fehintolu Olaogun and Olorunfemi Jegede, CredPal is headquartered in Lagos, Nigeria. The platform is designed to provide transparency and convenience, allowing users to set up their accounts and select payment plans that best suit their needs. By leveraging technology, CredPal minimizes risk and connects users with multiple financial institutions that offer credit. This service not only facilitates consumer access to credit for purchases but also empowers retail businesses to provide on-demand credit options to their customers.
VirtusPay
Non Equity Assistance in 2021
VirtusPay is a payment platform that enables consumers to purchase items in installments without relying on credit cards. By connecting available credit limits to facilitate ticket purchases, VirtusPay aims to democratize access to purchasing power, making it easier for customers to achieve their financial goals. The platform offers various payment options designed to attract new customers in the online retail space, ultimately helping businesses increase their average transaction values.
ImaliPay
Grant in 2021
ImaliPay is a financial health platform tailored for freelancers and blue-collar gig workers, collaborating with various gig platforms to deliver essential financial products. The company focuses on creating a supportive ecosystem that allows gig workers to establish a safety net around their employment. By providing easy savings options and transparent financing solutions, ImaliPay aims to enhance the productivity and economic empowerment of these workers. Through its innovative approach, the platform seeks to improve the financial well-being of freelancers and gig workers, enabling them to better manage their finances and achieve greater financial health.
Oyi Medical Card
Non Equity Assistance in 2021
Oyi is a prepaid card solution to help those who would otherwise not be able to access the medical care that they should be able to afford.
Touch and Pay
Non Equity Assistance in 2021
Touch and Pay is a company that offers a digital transaction platform designed to facilitate mobile payments through the use of near-field communication (NFC) technology. The platform enables businesses to digitize and process both online and offline transactions, promoting financial inclusion by simplifying payment registration, collection, and tracking. With a focus on enhancing efficiency for organizations of all sizes, Touch and Pay provides end-to-end solutions that encompass ideation, prototyping, production, quality checking, product launches, and ongoing maintenance. Their system features a robust dashboard and reporting backend, ensuring full visibility of all transactions. By addressing common challenges faced by business owners, the company aims to create a seamless payment experience that enhances market appeal and operational efficiency.
Whoosh
Grant in 2021
Whoosh specializes in online payment solutions, offering a comprehensive payment gateway that processes transactions through both web portals and mobile applications. The company provides industry-compliant services, including payment links, plugins, and tailored online packages designed for entrepreneurs. In addition to its technological offerings, Whoosh also consults and manages projects to meet the specific needs of its clients, ensuring the effective deployment of its payment platform. By focusing on security and compliance, Whoosh enables clients to conduct safe and secure transactions, enhancing the overall user experience in online payment processing.
WayaMoney
Non Equity Assistance in 2021
Wayamoney is a digital banking platform that offers payment and money transfer solutions across Africa. It enables users to send and receive payments quickly and at low rates. The platform supports various services, including utility payments, online purchases such as airline tickets, and cross-border transactions for data and airtime. By facilitating seamless and instant payments, Wayamoney aims to serve an increasingly unbanked population and assist small and medium-sized businesses engaged in trade across the continent, enhancing financial inclusion and simplifying settlements for both individuals and enterprises.
Walrus
Non Equity Assistance in 2021
Walrus is a neobank in India focused on providing banking services specifically for teenagers. Recognizing the lack of suitable banking and payment solutions for this tech-savvy demographic, Walrus aims to serve around 100 million teenagers by offering a modern digital banking experience. The platform includes features such as digital bank accounts and a smart debit card, which come with curated rewards for every transaction. This approach not only facilitates financial management but also encourages users to develop good money habits and understand the complexities of financial responsibility. Through its innovative offerings, Walrus seeks to empower young individuals with financial freedom and education.
Bulletapp
Non Equity Assistance in 2021
Bulletapp combines the convenience of the UPI payment system with the power of credit for daily spending.
Clip
Non Equity Assistance in 2021
Clip is transforming card acceptance in Mexico by providing portable card-reading hardware and a digital payment platform that enables businesses to accept all credit and debit cards, including contactless payments. The company's solutions allow businesses to turn smartphones or tablets into card terminals, facilitating seamless transactions without the need for complicated paperwork or monthly fees. By focusing on empowering Mexican businesses, Clip helps them increase sales and grow by offering a user-friendly application that simplifies payment acceptance. This approach positions Clip as a vital ally for merchants seeking efficient and accessible payment solutions.
Kwara
Non Equity Assistance in 2021
Kwara GmbH is a technology company that specializes in developing a digital banking platform tailored for savings and credit co-operative societies (SACCOs). Founded in 2018 and headquartered in Berlin, Germany, with an additional office in Nairobi, Kenya, Kwara aims to modernize credit unions by providing a comprehensive cloud-based solution. The platform facilitates loan application servicing and approval for members, while also offering integration services, customer support, real-time financial tracking, and compliance assistance. Kwara's offerings include Kwara Pronto, a tool for managing loans. Currently, the company serves over 200 SACCOs across Kenya, South Africa, and the Philippines, enabling these financial institutions to enhance their operations and improve access to formal financial services.
Whoosh
Non Equity Assistance in 2021
Whoosh specializes in online payment solutions, offering a comprehensive payment gateway that processes transactions through both web portals and mobile applications. The company provides industry-compliant services, including payment links, plugins, and tailored online packages designed for entrepreneurs. In addition to its technological offerings, Whoosh also consults and manages projects to meet the specific needs of its clients, ensuring the effective deployment of its payment platform. By focusing on security and compliance, Whoosh enables clients to conduct safe and secure transactions, enhancing the overall user experience in online payment processing.
PayWay Ethiopia
Non Equity Assistance in 2021
PayWay Ethiopia is an online bill payments platform that offers solutions to streamline payment processes for users. The company develops independent payment software compatible with various platforms, facilitating easy and efficient transactions. By acting as an intermediary between service providers, dealers, and end-users, PayWay Ethiopia enables businesses to process payments conveniently. Additionally, it designs and develops payment applications and devices, ensuring that users have accessible tools for everyday payments. Through its services, PayWay Ethiopia addresses a wide range of payment-related needs, enhancing the overall convenience of financial transactions.
Mesh Payments
Non Equity Assistance in 2021
Mesh Payments, founded in 2018 by Eran Katoni and Oded Zehavi, is a New York-based company that specializes in cardless corporate payment solutions tailored for businesses operating on a Software as a Service (SaaS) model. The company's spend management platform enhances financial oversight through features such as virtual and physical cards, real-time expense tracking, and automated workflows. This platform allows finance managers to efficiently manage approvals, track spending, and generate reports, ultimately aiming to reduce costs and improve financial health. By providing visibility and control over expenditures, Mesh Payments helps organizations orchestrate and reconcile their spending effectively.
Remessa Online
Non Equity Assistance in 2020
Remessa Online is a Brazilian-based platform that specializes in foreign exchange and international money transfer services. Founded in 2016 and headquartered in São Paulo, the company caters to both individuals and businesses, enabling them to conduct incoming and outgoing wire transfers to and from over 100 countries. With a commitment to simplifying cross-border transactions, Remessa Online utilizes proprietary technology to streamline the money transfer process, offering fees significantly lower than traditional local solutions. Since its inception, the platform has served over 300,000 customers, focusing on enhancing the experience of global citizens and businesses while addressing their international financial needs.
Trampay
Non Equity Assistance in 2020
Trampay is a financial services provider that offers a comprehensive benefits platform aimed at enhancing employee satisfaction and engagement. The company serves a diverse range of sectors, including healthcare, hospitality, entertainment, and education, by delivering tailored services for both providers and businesses. Through its innovative virtual wallet, Trampay facilitates convenient and efficient transactions, enabling companies to offer concrete and diverse benefits to their employees. This approach not only promotes greater savings but also aims to improve the overall quality of life for workers, thereby benefiting both employees and employers alike.
Qoins
Non Equity Assistance in 2020
Qoins Technologies, Inc., established in 2017 and based in Atlanta, Georgia, specializes in developing financial wellness applications. Its core product is an automated platform that helps users reduce their debt by rounding up daily credit card purchases and applying the spare change towards their student loans or credit card balances. This process, which occurs in $5.00+ increments, enables users to pay off their debt more quickly and achieve their financial goals.
Zirtue
Non Equity Assistance in 2020
Zirtue, LLC is a Dallas-based company that has developed a mobile application aimed at facilitating loans between friends, family, and trusted individuals. Founded in 2018, Zirtue's platform allows users to request loans and establish repayment terms that suit both the lender and borrower. The application automates the repayment process through direct bank transfers, ensuring that payments are made seamlessly on a monthly basis. By digitizing the lending process, Zirtue eliminates the discomfort often associated with personal loans, making it easier for users to manage financial transactions within their personal relationships. The app integrates in real-time with creditors, enhancing the reliability of repayments and enabling users to navigate loans without the usual complexities.
Zirtue
Seed Round in 2020
Zirtue, LLC is a Dallas-based company that has developed a mobile application aimed at facilitating loans between friends, family, and trusted individuals. Founded in 2018, Zirtue's platform allows users to request loans and establish repayment terms that suit both the lender and borrower. The application automates the repayment process through direct bank transfers, ensuring that payments are made seamlessly on a monthly basis. By digitizing the lending process, Zirtue eliminates the discomfort often associated with personal loans, making it easier for users to manage financial transactions within their personal relationships. The app integrates in real-time with creditors, enhancing the reliability of repayments and enabling users to navigate loans without the usual complexities.
Feexers
Non Equity Assistance in 2020
Feexers is a mobile application designed to connect homeowners with skilled professionals for various home services. Users can post job requests through the app, which then notifies registered service providers, known as "Pros," who can bid on the tasks. Homeowners can evaluate offers based on price, ratings, experience, and reviews before selecting a professional to complete the job. The platform facilitates secure payment processing between homeowners and service providers, ensuring a seamless transaction experience. Feexers aims to simplify the process of finding reliable help for everyday household tasks, offering services such as electrical repairs, plumbing, gas work, and interior design at competitive rates.
XCHANGER.IO
Non Equity Assistance in 2017
Xchanger develops global API for payments in fiat&crypto enabling our clients to provide cheapest, fastest and most convenient cross borders payments with few lines of code, without own infrastructure.
Griffin
Non Equity Assistance in 2016
Griffin is a banking-as-a-service provider that specializes in enabling companies to create and launch financial services products. Its platform acts as an operating system for embedded finance, offering an all-in-one solution that simplifies the process for fintech companies by reducing costs and time to market while alleviating the challenges of partnering with traditional banks. Additionally, Griffin's digital banking platform facilitates payments for the fintech sector and incorporates integrated compliance services, allowing businesses to meet know-your-customer and anti-money laundering requirements securely and efficiently. By enhancing the customer experience through embedded finance, Griffin supports global brands with complex payment needs.
Moin
Seed Round in 2016
Moin, Inc. is a company based in Seoul, South Korea, that specializes in a blockchain-based foreign remittance solution. The firm offers a global money transfer service that is designed to be fast, convenient, and cost-effective, particularly focusing on countries in Asia. Moin's platform leverages blockchain technology to facilitate user-centric international remittance services, allowing customers to transfer money abroad efficiently and at reasonable charges.
Yaspa
Non Equity Assistance in 2016
Yaspa is a fintech company established in 2017 by a former Worldpay CTO, focused on enhancing payment processes through a cardless payments platform. The company leverages open banking to offer instant bank payments that are faster, more secure, and more cost-effective than traditional card payments. Yaspa's technology simplifies payment operations for regulated businesses by facilitating seamless customer verification and payment acceptance, as well as streamlining payouts and fund reconciliation. Operating across the UK and Europe, Yaspa is regulated by the UK’s Financial Conduct Authority and is supported by prominent investors, including Fin Capital, SGH Capital, and Metavallon VC. Yaspa operates under the trading name of Citizen UK Holding Ltd.
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