Cardless, founded in February 2019 and based in San Francisco, is a credit card company that specializes in helping brands launch custom co-branded credit card products. The company manages all aspects of the program, including card underwriting, lending, issuance, and customer service, allowing brands to concentrate on providing valuable rewards to their loyal cardholders. Cardless employs an analytics dashboard to optimize the rewards programs and extract insights from program data, enhancing the overall customer experience. The company was established by Michael Spelfogel and Scott Kazmierowicz, who have backgrounds in computer science, data science, and experience at major firms such as Lyft and Visa. Cardless is supported by prominent venture capital firms and notable founders from various successful companies.
Developer of employment and income data platform designed to offer income data engineered for fintech innovation. The company's platform offers insights into the income data of people and powers use cases like direct deposit switching, income, and employment verification, and earned wage access, enabling financial institutions to become the primary bank, reduce risk, and activate users.
Plaid Inc. is a technology platform that enables users to connect their bank accounts to various financial applications, facilitating a more modern and digitally-enabled financial system. Founded in 2012 and headquartered in San Francisco, the company offers a suite of APIs that allows developers to create innovative financial products. Its offerings include tools for accessing transaction histories, authenticating bank accounts, verifying user identities, confirming real-time account balances, and assessing borrowers' assets and income. Plaid's solutions cater to a wide range of financial activities, including personal finances, consumer payments, lending, and business transactions. The platform serves a diverse clientele, including Fortune 50 companies, and aims to democratize financial services by providing the necessary infrastructure for both small startups and large financial institutions to enhance their service offerings.
Trulioo Information Services Inc. is a global leader in identity verification, providing an online portal tailored for the online payments industry. Founded in 2009 and headquartered in Vancouver, Canada, with additional offices in Dublin and San Francisco, Trulioo operates a Digital Identity Network that enables businesses to verify identities efficiently and securely. Their GlobalGateway solution offers access to a vast array of data sources, covering over 5 billion individuals and 250 million companies, facilitating compliance with anti-money laundering and know-your-customer regulations. The platform employs both traditional data, like public records and credit files, and alternative data from social networks and mobile applications to ensure accuracy and reliability in identity verification. Trulioo serves a variety of sectors, including e-commerce, finance, banking, retail, insurance, gaming, and social media, while adhering to stringent security and privacy standards.
Orum is a financial technology company that provides a platform designed to facilitate real-time money movement and instant payment solutions. Founded in 2019 and headquartered in New York, Orum leverages machine learning and proprietary data science to enhance financial transactions. Its flagship product, Foresight, is an automated programming interface that predicts fund availability and assesses transaction risks, allowing banks and financial institutions to move money instantaneously. By offering a single API integration, Orum enables businesses across various industries to embed its infrastructure, optimizing payment processes for speed, cost, and risk management. The company's innovative approach supports the development of new financial products while ensuring seamless transaction experiences.
Mirato specializes in Third-Party Risk Management (TPRM) by offering a platform that streamlines and automates the management of third-party risks for financial institutions. Utilizing machine learning and natural language processing, Mirato enhances the traditional TPRM approach by integrating various risk domains into a unified system that simplifies assessments and continuous monitoring. The platform not only replaces time-consuming manual processes but also facilitates better decision-making by providing comprehensive audit trails and real-time insights. By consolidating risk data into a single repository, Mirato enables organizations to identify and manage risks more effectively, ultimately reducing operational costs and improving overall corporate performance. This innovative solution allows subject matter experts to focus on strategic tasks rather than repetitive administrative work.
Truework is a platform for employment and income verification that puts consumers in control of their personal data. The system digitizes the verification process for HR departments, banks, and others, to make it fast and secure for employees to get verified when applying for a loan, jobs, or apartment rental. Truework’s network of over 40,000 lenders, and background check companies, and other verifiers completes thousands of employment and income verifications every day. The employer network includes nearly 100 enterprise companies and more than 20,000 small businesses across all industries, from healthcare to technology, including The College Board, The Real Real, Oscar Health, The Motley Fool, and Tuft & Needle.
EverC provides cyber intelligence that enables acquiring banks and payment service providers to manage merchant-based fraud and cyber risk. The startup company uses artificial intelligence to look into its client’s portfolios and identify links with potential criminals using its cyber intelligence capabilities. It is engaged in providing a range of solutions that give acquirers and payment service providers with the necessary relevant information to check ongoing and newly boarded merchants while guiding them through the process of managing online risk, detecting transaction launderers, hidden transaction tunnels, and fraud detection. EverC's products include MerchantView for detecting online money laundering and MarketView for keeping marketplaces clean from illegal products. Founded in 2008 by Ron Teicher, Noam Rabinovich, and Raz Abramov, the firm is headquartered in New York, New York.
Finix Payments, Inc. is a San Francisco-based company that provides a payment infrastructure platform designed to help businesses manage and monetize their payment processes effectively. Founded in 2015, Finix offers a range of services, including a payment facilitator platform that includes features such as tokenization, merchant onboarding, reporting, reconciliation, settlements, and chargeback management. The company enables businesses to avoid the complexities and costs associated with developing an in-house payment system. Additionally, through a partnership with Visa, Finix facilitates real-time push-to-card payments, enhancing the efficiency of disbursements. Finix's solutions aim to improve the payment experience for both businesses and their customers, recognizing the critical role that effective payment technology plays in driving revenue.
BioCatch is a Boston-based company that specializes in behavioral authentication and threat detection solutions for web and mobile applications. Founded in 2011, it utilizes advanced cognitive science and machine learning to analyze over 2,000 cognitive parameters, creating unique user profiles. The platform is designed to continuously authenticate users throughout their online sessions, effectively safeguarding against cyber threats and fraudulent activities such as account takeovers and automated account manipulation. BioCatch's behavioral biometrics technology identifies potentially risky digital behaviors and sophisticated social engineering scams, helping organizations, particularly banks, enhance fraud detection while minimizing friction during the digital user journey. This approach enables a secure and seamless experience for users, reinforcing identity and trust without compromising privacy.
Trulioo Information Services Inc. is a global leader in identity verification, providing an online portal tailored for the online payments industry. Founded in 2009 and headquartered in Vancouver, Canada, with additional offices in Dublin and San Francisco, Trulioo operates a Digital Identity Network that enables businesses to verify identities efficiently and securely. Their GlobalGateway solution offers access to a vast array of data sources, covering over 5 billion individuals and 250 million companies, facilitating compliance with anti-money laundering and know-your-customer regulations. The platform employs both traditional data, like public records and credit files, and alternative data from social networks and mobile applications to ensure accuracy and reliability in identity verification. Trulioo serves a variety of sectors, including e-commerce, finance, banking, retail, insurance, gaming, and social media, while adhering to stringent security and privacy standards.
Plaid Inc. is a technology platform that enables users to connect their bank accounts to various financial applications, facilitating a more modern and digitally-enabled financial system. Founded in 2012 and headquartered in San Francisco, the company offers a suite of APIs that allows developers to create innovative financial products. Its offerings include tools for accessing transaction histories, authenticating bank accounts, verifying user identities, confirming real-time account balances, and assessing borrowers' assets and income. Plaid's solutions cater to a wide range of financial activities, including personal finances, consumer payments, lending, and business transactions. The platform serves a diverse clientele, including Fortune 50 companies, and aims to democratize financial services by providing the necessary infrastructure for both small startups and large financial institutions to enhance their service offerings.
Signifyd, Inc. is a provider of a fraud prevention platform designed specifically for e-commerce businesses. Founded in 2011 and headquartered in San Jose, California, with an additional office in London, the company offers solutions such as E-Commerce Assurance and Signifyd Chargeback Recovery. These services help online retailers manage fraud risk and address chargebacks by utilizing advanced technologies like big data and machine learning, along with expert manual reviews. Signifyd's platform provides a financial guarantee against fraudulent transactions, enabling merchants to enhance customer experiences, boost sales, and minimize losses from chargebacks. The company serves a range of clients, including those on the Fortune 1000 and Internet Retailer Top 500 lists, reinforcing its commitment to helping e-commerce businesses thrive without the fear of fraud.
BioCatch is a Boston-based company that specializes in behavioral authentication and threat detection solutions for web and mobile applications. Founded in 2011, it utilizes advanced cognitive science and machine learning to analyze over 2,000 cognitive parameters, creating unique user profiles. The platform is designed to continuously authenticate users throughout their online sessions, effectively safeguarding against cyber threats and fraudulent activities such as account takeovers and automated account manipulation. BioCatch's behavioral biometrics technology identifies potentially risky digital behaviors and sophisticated social engineering scams, helping organizations, particularly banks, enhance fraud detection while minimizing friction during the digital user journey. This approach enables a secure and seamless experience for users, reinforcing identity and trust without compromising privacy.
EverC provides cyber intelligence that enables acquiring banks and payment service providers to manage merchant-based fraud and cyber risk. The startup company uses artificial intelligence to look into its client’s portfolios and identify links with potential criminals using its cyber intelligence capabilities. It is engaged in providing a range of solutions that give acquirers and payment service providers with the necessary relevant information to check ongoing and newly boarded merchants while guiding them through the process of managing online risk, detecting transaction launderers, hidden transaction tunnels, and fraud detection. EverC's products include MerchantView for detecting online money laundering and MarketView for keeping marketplaces clean from illegal products. Founded in 2008 by Ron Teicher, Noam Rabinovich, and Raz Abramov, the firm is headquartered in New York, New York.
TrueAccord Corp. is a San Francisco-based company founded in 2013 that specializes in providing an automated platform for debt recovery. The company leverages machine learning and behavioral analytics to personalize communication with customers across various digital channels. This approach not only enhances recovery rates for businesses but also aims to maintain positive relationships with their customers. By optimizing outreach strategies, TrueAccord delivers a customer experience designed to foster long-term brand loyalty, thereby redefining the traditional dynamics between creditors and debtors.
Signifyd, Inc. is a provider of a fraud prevention platform designed specifically for e-commerce businesses. Founded in 2011 and headquartered in San Jose, California, with an additional office in London, the company offers solutions such as E-Commerce Assurance and Signifyd Chargeback Recovery. These services help online retailers manage fraud risk and address chargebacks by utilizing advanced technologies like big data and machine learning, along with expert manual reviews. Signifyd's platform provides a financial guarantee against fraudulent transactions, enabling merchants to enhance customer experiences, boost sales, and minimize losses from chargebacks. The company serves a range of clients, including those on the Fortune 1000 and Internet Retailer Top 500 lists, reinforcing its commitment to helping e-commerce businesses thrive without the fear of fraud.
InAuth is a digital device intelligence company for a mobile-first world. It delivers the most advanced device identification, risk detection, and analysis capabilities possible to help organizations limit risk, remove friction, and reduce fraud within their digital channels. With safer digital transactions, banks, payment networks, merchants, healthcare providers, governments, and other organizations are better positioned to capture new revenue opportunities and compete more effectively in an “always-on” world.
Plaid Inc. is a technology platform that enables users to connect their bank accounts to various financial applications, facilitating a more modern and digitally-enabled financial system. Founded in 2012 and headquartered in San Francisco, the company offers a suite of APIs that allows developers to create innovative financial products. Its offerings include tools for accessing transaction histories, authenticating bank accounts, verifying user identities, confirming real-time account balances, and assessing borrowers' assets and income. Plaid's solutions cater to a wide range of financial activities, including personal finances, consumer payments, lending, and business transactions. The platform serves a diverse clientele, including Fortune 50 companies, and aims to democratize financial services by providing the necessary infrastructure for both small startups and large financial institutions to enhance their service offerings.
Signifyd, Inc. is a provider of a fraud prevention platform designed specifically for e-commerce businesses. Founded in 2011 and headquartered in San Jose, California, with an additional office in London, the company offers solutions such as E-Commerce Assurance and Signifyd Chargeback Recovery. These services help online retailers manage fraud risk and address chargebacks by utilizing advanced technologies like big data and machine learning, along with expert manual reviews. Signifyd's platform provides a financial guarantee against fraudulent transactions, enabling merchants to enhance customer experiences, boost sales, and minimize losses from chargebacks. The company serves a range of clients, including those on the Fortune 1000 and Internet Retailer Top 500 lists, reinforcing its commitment to helping e-commerce businesses thrive without the fear of fraud.
InAuth is a digital device intelligence company for a mobile-first world. It delivers the most advanced device identification, risk detection, and analysis capabilities possible to help organizations limit risk, remove friction, and reduce fraud within their digital channels. With safer digital transactions, banks, payment networks, merchants, healthcare providers, governments, and other organizations are better positioned to capture new revenue opportunities and compete more effectively in an “always-on” world.
Trulioo Information Services Inc. is a global leader in identity verification, providing an online portal tailored for the online payments industry. Founded in 2009 and headquartered in Vancouver, Canada, with additional offices in Dublin and San Francisco, Trulioo operates a Digital Identity Network that enables businesses to verify identities efficiently and securely. Their GlobalGateway solution offers access to a vast array of data sources, covering over 5 billion individuals and 250 million companies, facilitating compliance with anti-money laundering and know-your-customer regulations. The platform employs both traditional data, like public records and credit files, and alternative data from social networks and mobile applications to ensure accuracy and reliability in identity verification. Trulioo serves a variety of sectors, including e-commerce, finance, banking, retail, insurance, gaming, and social media, while adhering to stringent security and privacy standards.
Cignifi Inc. is a Boston-based company that specializes in credit and marketing analytics for mobile network operators. Founded in 2010, it utilizes mobile phone data to generate credit risk and marketing scores for consumers, particularly targeting mobile pre-pay customers who may lack access to traditional financial services. By analyzing mobile phone behavior, Cignifi provides valuable insights for credit cards, personal loans, insurance, and savings. The company aims to serve the needs of the 2.7 billion individuals globally who have mobile access but limited financial options. In addition to its core analytics platform, Cignifi offers related products such as airtime credit, handset financing, and online lending, thereby enhancing financial inclusion for underserved populations. With a presence in both Boston and Sao Paulo, Brazil, Cignifi targets telecommunications operators, retailers, lenders, and insurers to expand access to essential financial products.
Stripe, Inc. is a global technology company that provides application programming interfaces (APIs) and tools designed to facilitate online payment processing for businesses. Its comprehensive platform includes solutions for payments, subscriptions, fraud detection, and data analytics, among others. Stripe's offerings, such as Stripe Connect for routing payments, Stripe Radar for fraud prevention, and Stripe Checkout for seamless transaction processes, cater to a diverse clientele ranging from startups to established enterprises. The company also addresses financing challenges faced by online businesses through Stripe Capital, which offers fast and flexible funding options. With operations in multiple countries, including the United States, the United Kingdom, and Singapore, Stripe aims to simplify financial infrastructure and support the growth of internet-based businesses, thereby contributing to the overall economic landscape of the digital economy. Founded in 2010 and headquartered in San Francisco, California, Stripe has established partnerships with leading technology firms to enhance its service capabilities.
Cignifi Inc. is a Boston-based company that specializes in credit and marketing analytics for mobile network operators. Founded in 2010, it utilizes mobile phone data to generate credit risk and marketing scores for consumers, particularly targeting mobile pre-pay customers who may lack access to traditional financial services. By analyzing mobile phone behavior, Cignifi provides valuable insights for credit cards, personal loans, insurance, and savings. The company aims to serve the needs of the 2.7 billion individuals globally who have mobile access but limited financial options. In addition to its core analytics platform, Cignifi offers related products such as airtime credit, handset financing, and online lending, thereby enhancing financial inclusion for underserved populations. With a presence in both Boston and Sao Paulo, Brazil, Cignifi targets telecommunications operators, retailers, lenders, and insurers to expand access to essential financial products.
Stripe, Inc. is a global technology company that provides application programming interfaces (APIs) and tools designed to facilitate online payment processing for businesses. Its comprehensive platform includes solutions for payments, subscriptions, fraud detection, and data analytics, among others. Stripe's offerings, such as Stripe Connect for routing payments, Stripe Radar for fraud prevention, and Stripe Checkout for seamless transaction processes, cater to a diverse clientele ranging from startups to established enterprises. The company also addresses financing challenges faced by online businesses through Stripe Capital, which offers fast and flexible funding options. With operations in multiple countries, including the United States, the United Kingdom, and Singapore, Stripe aims to simplify financial infrastructure and support the growth of internet-based businesses, thereby contributing to the overall economic landscape of the digital economy. Founded in 2010 and headquartered in San Francisco, California, Stripe has established partnerships with leading technology firms to enhance its service capabilities.
Prove provides a phone-centric identity platform designed to enhance security and reduce fraud through the use of phone numbers. With over 1 billion identity tokens under management, Prove assists more than 1,000 companies and over 500 banks, including leading financial institutions, in securing their customer onboarding, digital services, and payment processes. The company offers two primary solutions: Prove Pre-fill™, which streamlines the onboarding process by authenticating consumer identities and auto-filling verified data, and Fonebook™, which provides a comprehensive identity authentication platform to manage customer phone numbers and create a unified customer view across various channels. Additionally, Prove offers multi-factor authentication options, including SMS and voice OTPs, instant link authentication, mobile authentication through cellular networks, voice biometrics, and app-based push authentication. These features enable secure transactions and enhance the overall customer experience across mobile, desktop, and in-store environments. Prove's services are available in 195 countries, underscoring its global reach in identity verification and fraud mitigation.
[Accertify](http://www.accertify.com/) develops integrated tools for merchants to identify the fraudulent use of credit cards in online, telephone or any card not present transactions. via: [Accertify](http://www.accertify.com/)
Revolution Money is a financial services company focused on disrupting traditional credit card companies and digital payment platforms. It offers a unique credit card, the RevolutionCard, which utilizes PIN activation instead of signatures, enhancing security by allowing the card to be printed without personally identifiable information. This innovative approach aims to reduce identity theft and lower processing fees through an internet-based transaction system. Additionally, Revolution Money provides MoneyExchange, a service that enables users to transfer funds between one another, with the added benefit of accessing these funds via a debit/ATM card. Transfers between account holders are free, promoting seamless transactions. The company is partially owned by Revolution, LLC, an investment firm founded by Steve Case, and is supported by a board comprising notable figures from the financial industry.