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Celero is a financial management company based in Curitiba, Brazil, offering a platform and mobile app designed for small and medium-sized service providers. The solution automates core finance tasks by transforming photos of payment slips, invoices, and other documents into payments and reports, and by enabling users to manage payables and receivables, track cash flow, and approve scheduled payments. It provides automatic bank reconciliation and integrates with other business technologies, delivering total financial control and streamlined processes. The platform is available on mobile devices, supporting Android and iOS, and aims to reduce the time spent on financial management while improving visibility into financial operations. Founded in 2014, Celero serves clients seeking easier, paper-to-digital finance workflows and better financial reporting.

Klasha is a global technology company that provides a platform and APIs to move money to and from emerging markets. The platform enables businesses to collect and send payments and hold exotic currencies through an extensive API stack, supporting cross-border transactions for enterprise clients. It offers secure, fast payment processing, multi-currency settlement, and developer-friendly integration to simplify international commerce in emerging markets. Founded in 2021 by Jess Anuna, Klasha supports more than 120 currencies, with the aim of saving merchants time and money on cross-border payments.

Mix Solutions specializes in developing and implementing mobile point-of-sale systems for businesses. Their primary product is a mobile POS system designed to streamline sales, reduce wait times, and enhance customer experience. This system utilizes near-field communication (NFC) technology for transactions, offers digital menus, ticket printing, and remote printing capabilities, along with administrative functions to prevent fraud and ensure data backup. The company's goal is to provide businesses with efficient tools to manage operations intelligently and interactively.

Pay2B is a payment-as-a-service ecosystem based in São Paulo, Brazil, that streamlines the entire payment process for businesses. The company has developed a digital platform that integrates various payment methods, including credit and debit cards, PIX Open Finance, cashback options, and reward program points, facilitating quick and easy payment management for online stores and e-commerce platforms. Pay2B's services encompass payment recurrence, multi-currency transactions, and a comprehensive payment management system, which includes a digital wallet. By providing these solutions, Pay2B enables businesses to simplify both online and offline payment processing.

Thunes is a global B2B payment infrastructure platform established in 2016, specializing in cross-border payment solutions. It facilitates seamless fund transfers between various payment systems, catering to a diverse range of clients, including major players in the gig economy and fintech sectors. The platform enables businesses and consumers to send and receive payments in 80 currencies across 132 countries, supporting 300 payment methods. Thunes offers a suite of services including remittance processing, mass payouts, virtual accounts, and payment collection, utilizing application programming interfaces (APIs) to enhance accessibility and reduce transaction costs. In April 2022, the company expanded its capabilities by acquiring a controlling stake in Tookitaki, a compliance platform that strengthens its anti-money laundering and fraud prevention measures. Headquartered in Singapore, Thunes operates regional offices in key global cities such as London, Paris, and Dubai, positioning itself as a vital player in the international payment landscape.

OnOrder is a company that simplifies orders and payments, boosting cash flow and conversion rates for suppliers and distributors.

Transfeera is a fintech company established in 2016 by former ContaAzul employees. It offers an open banking platform that automates and simplifies payments for businesses and individuals, enabling users to save time and money while improving cash flow management.

Tributei is a developer of a software-as-a-service platform that automates the ICMS-ST and DIFAL calculation processes for businesses. By harnessing artificial intelligence, the platform efficiently downloads and reviews invoices, calculates and audits entrance grades, and manages payment guides. This functionality helps organizations maintain accurate and up-to-date accounts, streamlining their financial operations and improving overall efficiency.

Founded in 2016 by Akshay Garg, Kredivo Group is Southeast Asia's leading digital financial services provider. Its flagship product, Kredivo, offers instant credit financing for e-commerce and offline purchases, personal loans, and installment payments through a modern API.

FlyCode is a developer of an artificial intelligence-powered application focused on optimizing dunning and payment management for subscription-based businesses. The company aims to maximize revenue for its clients by intelligently managing payment failures, thereby reducing passive churn. Its application enables subscription merchants to recover lost revenue and improve customer retention by addressing issues related to payment processing effectively.

Kapstar operates a digital exchange platform facilitating international money transfers. It offers secure, low-cost cross-border payment services for both individuals and businesses.

Tamara is a prominent shopping and payments platform based in Riyadh, Saudi Arabia, and serves the GCC region. Founded in September 2020 by Abdulmajeed Alsukhan and his partners, the company aims to revolutionize shopping, payment, and banking experiences. With a workforce of over 350 employees, Tamara operates additional offices in the UAE, Egypt, Germany, and Vietnam. The platform empowers merchants by providing flexible payment solutions, including installment options, through its application programming interfaces and plugins. This functionality enhances customer experiences and boosts sales for merchants. Tamara has established a robust customer base of 6 million and collaborates with over 15,000 partner merchants, which include both leading global brands and local small and medium enterprises. The company has successfully raised significant funding, highlighting its strong market presence and growth potential.

Moniepoint is a fintech company offering comprehensive financial services for businesses. Its platform enables businesses to create accounts, accept online payments, manage expenses, access credit facilities, and more.

GeoPagos specializes in digital payment solutions for businesses aiming to establish or expand their payment acceptance services. The company provides infrastructure for secure and convenient mobile point-of-sale (mPOS) transactions, combining global technologies with regional expertise to enhance shopping experiences across Latin America.

Klar is a digital platform offering deposit and credit services. It provides instant credit, no-commission cashback, and withdrawal services via a card and mobile app, presenting secure, low-cost alternatives to traditional credit services.

Parcelamos Tudo is a fintech company that operates as a digital bank, providing a comprehensive solution for payment methods and account installments for both individuals and businesses. The company specializes in offering a platform that allows users to pay bills and invoices—whether due or overdue—in installments of up to 12 months using credit cards at market interest rates. By prioritizing user experience, Parcelamos Tudo aims to simplify the financial management of its clients through a secure and user-friendly digital tool, ultimately enhancing their convenience in handling payments.

NymCard is a payment processing platform founded in 2016, operating from Abu Dhabi, United Arab Emirates, with a focus on enhancing the digital payment landscape in Africa and the Middle East. The company specializes in providing an issuer processor solution that allows banks and financial institutions to offer innovative digital payment products, including plastic, virtual, and tokenized cards. NymCard's advanced infrastructure and user-friendly mobile wallet solutions facilitate quick account setup and immediate access to smart payment cards, promoting efficient and secure online transactions. By leveraging open APIs and mobile SDKs, NymCard aims to address the low penetration of payment cards in these regions, thereby driving greater participation in the digital economy.

WeBro Pay offers digital financial solutions. They arrive to help builders and developers manage receivables from realtors, including the well-known sales commissions. They view their available balance, future commissions, contracts, customers, and slips.

Fidel API is a financial infrastructure platform that allows developers to create programmable experiences during transaction events on payment cards. Established in 2018 and headquartered in London, with additional offices in Lisbon and New York, Fidel API provides tools that enhance interactions between merchants and consumers by facilitating real-time, event-driven engagements. The platform is designed to integrate seamlessly with major payment networks, such as Visa and Mastercard, to deliver detailed transaction data, including amount, location, date, and merchant. This capability supports improved marketing strategies and customer engagement through tailored loyalty and rewards programs, as well as streamlined processes for reimbursements and expense management. The company serves a diverse clientele, ranging from startups to large enterprises, and has established partnerships with prominent firms across various sectors.

Founded in 2019, Payhawk is a leading spend management solution provider for businesses across Europe, the US, and the UK. It offers company cards, expense tracking, automated data extraction, and accounting software integrations to maximize efficiency and control spending.

Bold is a company that operates an application designed to facilitate payments and manage sales reports and transactions, specifically targeting small and medium-sized businesses (SMBs) in Colombia. Founded in 2019 and based in Bogotá, Colombia, Bold aims to simplify financial processes for its clients. In addition to its core financial services, Bold Media, Inc., which was established in 2015 and is based in San Francisco, California, provides an internal blog platform that helps organizations share knowledge and ideas efficiently.

Afriex Inc. is a mobile payment application developer based in Oakland, California, specializing in overseas money transfer services. Founded in 2019, the company offers a digital wallet application that allows users to send and receive money globally, utilizing stablecoins to ensure fast and cost-effective remittance solutions. Afriex supports transactions to over 30 countries, enabling users to make payments and manage their finances more efficiently at current exchange rates, while also providing various withdrawal options to enhance the user experience.

DgPays is a financial technology company that delivers end-to-end payment systems for banks, e-money institutions, telecom operators, and transportation operators. Its platform supports online and mobile banking, customer relationship management, and payments infrastructure, enabling secure and convenient online and mobile transactions. The company offers features such as mobile wallets, prepaid cards, bill payments, and loyalty programs, as well as a payment gateway and related fintech hub to manage payments and access a range of financial services. In addition, DgPays provides compliance and security services, including AML, fraud management, and authentication, to support safe operations. Through its integrated solutions, DgPays aims to streamline payment processing, expand wallet and card-based payment options, and enhance payment experiences for institutional clients and their end users.

Ozow, established in 2014 and headquartered in Johannesburg with an additional office in Cape Town, specializes in developing an online payment gateway. This platform facilitates instant, secure bank-to-bank payments for both buyers and merchants across various devices and channels, including SMS, email, QR codes, and in-store. Ozow's innovative solution reduces transaction fees, eliminates the need for cards, and offers real-time notifications, promoting financial inclusion and accessibility for merchants and customers alike.

MFS Africa Limited is a leading provider of mobile money interoperability in Africa, facilitating seamless money transfers and payments across the continent. Established in 2009 and headquartered in Accra, Ghana, the company connects mobile network operators through a unified API, enabling a range of services including remittances, merchant and bulk payments, as well as bank-to-wallet transfers. MFS Africa serves various stakeholders, including money transfer operators, banks, and mobile money operators, by offering alternatives for remittances, micro-lending, micro-insurance, and micro-savings. With additional offices in key African cities and London, MFS Africa plays a crucial role in enhancing financial connectivity and promoting financial inclusion across the region.

Sail helps freelancers send invoices to clients, accept online payments, and save client payment methods on file for easy billing down the road. It is a business tool for freelancers that gives them the back-office business infrastructure of an agency.

Palenca is a technology company that specializes in payroll application programming interfaces (APIs) designed to facilitate the sharing of employment and income data. The company's platform enables consumers to easily share their employment information with financial institutions, enhancing the efficiency of background verification processes. By providing access to an individual's personal profile and earnings, Palenca's tools streamline the validation of income and employment, making it simpler for clients to assess potential borrowers. Additionally, the platform supports automated collections directly from borrowers' paychecks, further optimizing the financial transaction process.

One is a financial mobile application headquartered in San Francisco, California, that offers a range of banking and fintech solutions. Founded in 2019, the company focuses on enhancing users' financial capabilities by providing services such as online payments, cash transactions, and digital wallet functionalities. The app is designed to increase users' spending power by optimizing their earnings and helping them achieve financial goals more efficiently. Additionally, One enables users to share money easily with family and friends while promoting faster growth of their finances. Through its innovative offerings, One aims to bridge financial gaps for its users.

Nimbly streamlines B2B payments for small and medium businesses in Brazil. It integrates with major banks and processed over 800,000 transactions in the first half of 2022.

Altro, formerly known as Perch, is a financial technology company founded in 2019 and headquartered in Los Angeles, California. The company has developed a platform that enables users to enhance their credit scores by utilizing their recurring expenses, such as bills and subscriptions, as part of their credit history. Through its free app, Altro allows users to link these payments, helping them to recognize and leverage previously uncounted financial activities to improve their credit standing. Altro aims to empower individuals by making every payment contribute to their financial growth and creditworthiness.

TeamApt is a financial technology company that develops digital banking and payment platform for financial transactions. It offers an end-to-end omnichannel digital banking service called Moneytor Digital Banking, enabling banks to offer retail, merchant, and corporate banking services through digital channels, Aptpay for automation of digital banking business operations, settlements, reconciliations, and tracks digital transformation processes with web and mobile interfaces. TeamApt was founded in 2015 and is headquartered in Lekki, Lagos, Nigeria.

Payflow is a Spain-based employee benefits platform founded in 2020 that lets workers access a portion of their earned wages instantly as a benefit. The service aims to improve financial well-being and can boost productivity and engagement for employers, without impacting their cash flow. The platform provides access to earned salary and other benefits while keeping payroll settlement straightforward, enabling organizations to manage team finances without mid-month liquidity concerns.

Allset Technologies, Inc., commonly known as Allset, is a technology company that operates a mobile application designed to connect restaurants with local diners. Founded in 2015 and headquartered in Los Angeles, California, Allset allows users to easily find nearby restaurants, place orders in advance, and pay for their meals without the need for waiting. The platform emphasizes commission-free transactions for restaurants, enabling them to provide online ordering and contactless dining solutions. Additionally, Allset features a rewards program that offers cashback on orders, alongside user-friendly menus and designated pickup areas. The company's focus is on facilitating convenient and efficient dining experiences for users, thereby supporting local restaurants and enhancing customer engagement in busy areas.

Striga facilitates companies to integrate compliant payment systems into their applications without managing licensing processes like MiCA or EMI. It offers a suite of APIs for user onboarding, custody, trading, IBAN issuance, and card issuance across 30+ European countries.

Addi is a technology company that provides consumer credit and point-of-sale financing solutions. Its application enables customers to apply for credit at the moment of purchase at partner retailers and to pay for purchases in interest-free installments, supporting affordable financing for shopping needs and expanding digital commerce.

Nelo is a Mexico City-based company that specializes in developing a mobile application for financial transactions. Founded on April 8, 2019, Nelo offers a digital payment management platform that enables users to track their financial transactions effectively. The platform allows individuals to send and request money while providing a free virtual card with no charges for account opening. This functionality facilitates real-time payment and balance tracking, empowering users to manage their funds in an affordable and secure manner.

OpenEnvoy provides insight, automation, and cash-flow solutions for finance teams through accounts payable automation and invoice auditing. Its software inspects supplier invoices to detect duplicate billings, excess charges, and vendor fraud, enabling organizations to uncover savings with minimal manual intervention. The platform delivers real-time visibility across the supplier network and a predictable monthly cost, supporting an immediate return on investment. OpenEnvoy has audited over $2 billion in spending through automation, underscoring its scale and impact on financial controls. By safeguarding against excessive vendor charges while streamlining invoice processing, the company helps finance teams manage cash flow more effectively.

Bunches is a group chat platform founded in 2020 and based in New York, New York. The application allows creators to easily establish paid group chats on various topics. Users can create a chat room, set a joining fee, and share a unique link to invite others through social networks. This enables creators to engage with their audience by sharing exclusive content within the group chat environment. Bunches aims to facilitate meaningful interactions and connections between creators and their members, allowing for a monetized and interactive community experience.

Lana is a technology company that connects underserved populations in Mexico, Chile, and Peru with inclusive financial services via its mobile app.

DgPays is a financial technology company that delivers end-to-end payment systems for banks, e-money institutions, telecom operators, and transportation operators. Its platform supports online and mobile banking, customer relationship management, and payments infrastructure, enabling secure and convenient online and mobile transactions. The company offers features such as mobile wallets, prepaid cards, bill payments, and loyalty programs, as well as a payment gateway and related fintech hub to manage payments and access a range of financial services. In addition, DgPays provides compliance and security services, including AML, fraud management, and authentication, to support safe operations. Through its integrated solutions, DgPays aims to streamline payment processing, expand wallet and card-based payment options, and enhance payment experiences for institutional clients and their end users.

Keepz is a Brazilian platform established in 2015 that enhances the shopping experience for consumers while supporting local businesses. The platform allows customers to select an establishment and products, make requests, and complete transactions using a credit card. Once the establishment receives the order, staff prepare the items for efficient pickup, minimizing wait times for consumers. By connecting a diverse array of businesses across Brazil, Keepz not only facilitates sales optimization but also promotes the local economy, helping to preserve jobs and generate income for families. Its innovative approach aims to streamline the purchasing process, benefiting both consumers and retailers alike.

Amberflo is a cloud metering and billing platform that specializes in usage-based pricing and metered invoicing. Founded in 2020 by Puneet Gupta in Santa Clara, California, the company develops a highly configurable, cloud-native platform that enables real-time tracking of usage and consumption. Amberflo's innovative solutions help companies implement effective usage-based pricing models, allowing them to enhance customer engagement through Product-Led Growth strategies. By delivering accurate, on-demand billing, Amberflo supports businesses in maximizing revenue potential and customer adoption.

SteadiPay Inc., established in 2017 and headquartered in Los Angeles, California, specializes in developing a payment processing application for credit and debit card transactions. The company's core offering is a bank-agnostic cash management platform designed to help small businesses efficiently manage their cash flow. This platform provides real-time visibility into all business accounts, automates cash forecasting, and offers insights to optimize cash management strategies, allowing businesses to focus on strategic growth rather than back-office finance tasks.

Satispay S.p.A. is a mobile payment application founded in 2013 and headquartered in Milan, Italy. The company aims to transform the payment landscape in Europe by offering a platform that enables users to make payments in stores, online, and between friends without relying on traditional debit or credit cards. Launched in 2015, Satispay provides a user-friendly and secure app that simplifies the payment process for consumers. For businesses, the service is both easy to implement and cost-effective, allowing merchants to accept payments quickly through their smartphones, tablets, or computers. By focusing on convenience and security, Satispay is changing the way people interact with money in daily transactions.

Settle is a cash-flow management software company that automates business-to-business payments and helps optimize working capital. The platform provides payment management, payable date control and extensions, paperless invoicing, auto payments, automated purchase orders, and proactive replenishment alerts to streamline procurement, accounts payable automation, and financing, enabling faster billing cycles and improved visibility into liquidity. Founded in 2019 by Alek Koenig and based in San Francisco, Settle serves companies seeking integrated tools to improve cash flow management.

OpenEnvoy provides insight, automation, and cash-flow solutions for finance teams through accounts payable automation and invoice auditing. Its software inspects supplier invoices to detect duplicate billings, excess charges, and vendor fraud, enabling organizations to uncover savings with minimal manual intervention. The platform delivers real-time visibility across the supplier network and a predictable monthly cost, supporting an immediate return on investment. OpenEnvoy has audited over $2 billion in spending through automation, underscoring its scale and impact on financial controls. By safeguarding against excessive vendor charges while streamlining invoice processing, the company helps finance teams manage cash flow more effectively.

Transfeera is a fintech company established in 2016 by former ContaAzul employees. It offers an open banking platform that automates and simplifies payments for businesses and individuals, enabling users to save time and money while improving cash flow management.

Grow Mobility is a micromobility and payments platform based in Latin America, formed from the merger of Grin, a pioneer in electric scooters in Mexico, and Yellow, a multimodal and payment solutions provider from Brazil. The company offers electric bikes and scooters, focusing on enhancing mobility options for urban users. Currently, Grow Mobility operates in stealth mode, indicating a focus on strategic development and future growth within the rapidly evolving transportation sector in the region.

Founded in Brazil in 2016, Neon is a leading fintech offering digital banking services. It provides debit and credit cards with no annual fees, personal loans, payroll loans, investments, cashback on debit transactions, and various payment methods. Neon also supports micro-entrepreneurs through MEI Fácil. With over 15 million customers and 1600 employees, Neon has seen significant revenue growth.

Fondeadora is a Mexico City-based provider of digital banking services that aims to reduce inefficiencies of traditional banking. The company offers a mobile app and an international debit solution, including a physical MasterCard and a virtual card, to pay, store, and transfer money, manage expenses, and receive real-time notifications. The service is designed to be low-friction and free of commissions and paperwork. In addition to core banking features, it operates a crowdfunding-style platform that enables customers and businesses to monitor funds and securely raise funding.

Finix develops a B2B payment processing platform that enables businesses to own, manage, and monetize their payments. The platform uses modular architecture and real-time tracking to consolidate payment data and facilitate global money transfers.

Founded in 2017, Routable operates a B2B invoice and bill payment platform that automates processes for accounts payables and receivables teams. Its platform streamlines cash flow by helping to find errors, request authorization, and simplify payments worldwide.

Fold is a bitcoin financial services company offering a consumer platform that enables users to earn bitcoin cashback as they shop with linked credit or debit cards and a bitcoin wallet. The platform supports syncing cards, transferring bitcoin to digital gift cards, and receiving bitcoin cashback instantly. It also provides a crypto and cash management experience that lets users buy, sell, and manage bitcoin and dollars, with rewards of up to 1.5% on eligible purchases; premium members enjoy a no-fee transaction experience. Fold aims to expand access to bitcoin by delivering a suite of consumer financial products that let customers earn, accumulate, and utilize bitcoin in everyday life.

Nelo is a Mexico City-based company that specializes in developing a mobile application for financial transactions. Founded on April 8, 2019, Nelo offers a digital payment management platform that enables users to track their financial transactions effectively. The platform allows individuals to send and request money while providing a free virtual card with no charges for account opening. This functionality facilitates real-time payment and balance tracking, empowering users to manage their funds in an affordable and secure manner.

Bunches is a group chat platform founded in 2020 and based in New York, New York. The application allows creators to easily establish paid group chats on various topics. Users can create a chat room, set a joining fee, and share a unique link to invite others through social networks. This enables creators to engage with their audience by sharing exclusive content within the group chat environment. Bunches aims to facilitate meaningful interactions and connections between creators and their members, allowing for a monetized and interactive community experience.

Striga facilitates companies to integrate compliant payment systems into their applications without managing licensing processes like MiCA or EMI. It offers a suite of APIs for user onboarding, custody, trading, IBAN issuance, and card issuance across 30+ European countries.

HaulPay is a digital freight processing and financing platform for transportation and logistics that aims to democratize access to finance and technology. The platform finances and processes payments, automates invoicing, and streamlines back-office tasks to improve cash flow for small and medium-sized carriers and brokers. It also provides an advanced load board and complementary software to automate operations, helping customers grow and operate more efficiently. The company seeks to offer fair and transparent finance, payment, and software options to support the movement of goods across the supply chain.

One is a financial mobile application headquartered in San Francisco, California, that offers a range of banking and fintech solutions. Founded in 2019, the company focuses on enhancing users' financial capabilities by providing services such as online payments, cash transactions, and digital wallet functionalities. The app is designed to increase users' spending power by optimizing their earnings and helping them achieve financial goals more efficiently. Additionally, One enables users to share money easily with family and friends while promoting faster growth of their finances. Through its innovative offerings, One aims to bridge financial gaps for its users.

NorthOne Inc., established in 2016 with headquarters in Toronto, Canada, specializes in digital banking solutions. The company offers a mobile-first API-based bank account, accessible via iOS, Android, and desktop platforms, catering primarily to startups, freelancers, and small businesses across America. NorthOne's platform enables users to manage finances and transactions efficiently, with features such as automated envelope creation for expenses like taxes, payroll, and rent, along with seamless integration of payment processing tools via Stripe. The company aims to simplify financial management, allowing businesses to focus more on their core operations.

Acordo Online develops an online agreement platform for credit recovery that enables debtors to settle their obligations and provides creditors and collection agencies with tools to streamline processes, reduce costs, and improve the debtor experience in resolving outstanding financial obligations.

Ualá is a fintech company offering a wide range of financial services. It provides users with a prepaid Mastercard for payments, savings accounts, and investment options, aiming to increase financial inclusion in Latin America.

Sail helps freelancers send invoices to clients, accept online payments, and save client payment methods on file for easy billing down the road. It is a business tool for freelancers that gives them the back-office business infrastructure of an agency.

Kotas is a platform that enables families, friends, and coworkers to share the costs of subscription plans securely and automatically. It divides expenses among group members, helping users save on streaming services.

Level, operating under the name Zero Financial, Inc., is a financial technology company based in San Francisco, California, that offers a modern mobile banking experience. The company's primary products include a mobile banking application, a debit card known as Zerocard, and a checking account called Zero Checking. The app provides users with real-time insights into their finances, displaying debit card purchases alongside other transactions to help manage their budgets effectively. Unlike traditional banking options, Zerocard combines the convenience of a debit card with the benefits of a credit card, offering users unlimited cash back rewards ranging from 1.0% to 3.0% on expenditures, as well as competitive annual interest rates on account balances. Level aims to eliminate common banking fees, striving to simplify personal finance management for its users.

Checkout.com is a company that specializes in providing an online payments platform designed to facilitate secure digital transactions across the Internet. Established in 2012, it offers a comprehensive solution that supports payments in over 150 currencies, integrating local acquiring capabilities and advanced fraud detection through a single API. The platform enables businesses to accept all major international credit and debit cards, as well as various alternative and local payment methods. With a focus on eliminating intermediaries, Checkout.com connects retailers directly with customers' bank accounts, delivering data-rich insights that help enhance performance and improve approval rates. The company employs more than 1,700 people across 19 offices globally, ensuring local expertise and tailored risk management solutions to help businesses optimize their mobile and online purchasing while effectively managing potential risks.

Conekta is a company that specializes in creating an online payment platform aimed at enhancing the security and efficiency of banking processes. Utilizing artificial intelligence, Conekta's platform integrates application programming interfaces to facilitate both online and offline payment transactions. This technology enables financial institutions to analyze transaction behavior, helping to identify and mitigate fraudulent activities. Additionally, Conekta's services are designed to be PCI-DSS certified, ensuring that banking and financial information is encrypted and safeguarded. By providing a secure environment for processing payments through various methods such as cards, cash, or bank transfers, Conekta allows businesses to accept payments simply and safely.

Satispay S.p.A. is a mobile payment application founded in 2013 and headquartered in Milan, Italy. The company aims to transform the payment landscape in Europe by offering a platform that enables users to make payments in stores, online, and between friends without relying on traditional debit or credit cards. Launched in 2015, Satispay provides a user-friendly and secure app that simplifies the payment process for consumers. For businesses, the service is both easy to implement and cost-effective, allowing merchants to accept payments quickly through their smartphones, tablets, or computers. By focusing on convenience and security, Satispay is changing the way people interact with money in daily transactions.

Husky is a developer of a mobile payment platform designed to simplify international fund transfers. The platform employs advanced data encryption and verification technologies to ensure secure transactions, allowing users to receive payments directly into their bank accounts from both regional and foreign senders. By providing a secure method for sending and receiving international payments, Husky specifically targets clients in Latin America, addressing concerns related to fraud and information security during financial exchanges.

ByeBnk Holding S/A is a Brazilian company that provides innovative financial solutions leveraging blockchain technology. Founded in 2015 and headquartered in Belo Horizonte, with an additional office in São Paulo, ByeBnk offers a digital wallet through its ByeBnk app. This platform enables users to send money to individuals and businesses, pay bills, and exchange various currencies, including cryptocurrencies. The app is designed with a user-friendly interface, making it accessible for a wide range of users, including banks, retailers, service providers, and smartphone users. ByeBnk also features an investment platform that facilitates investment in the U.S. market, allowing users to easily open accounts and manage their investments through autopilot options or selected portfolios. The company aims to streamline financial transactions and enhance user experience by providing quick payments, low-rate credit and debit cards, and transparent asset management.

Cellulant Corporation is a prominent multinational payments company headquartered in Nairobi, Kenya, focused on digitizing payments across Africa's major economies. Founded in 2004, Cellulant offers a comprehensive mobile payments platform that connects businesses and governments, facilitating various consumer payment solutions. Its key products include Mula, a versatile payment platform; Agrikore, a blockchain-based tool designed for the agriculture sector that streamlines contracting and digital payments; and Tingg, which enables users to manage card, bank, and bill payments seamlessly. By providing locally relevant payment solutions, Cellulant addresses the intricate needs of global, regional, and local merchants, making it easier for them to collect and make payments in multiple currencies.

Sled is a technology-driven startup that addresses the challenges retail businesses face related to cash transactions, specifically the shortage of coins for change. The company provides a digital solution that allows retailers to deliver change electronically to customers, which helps eliminate cash shortages and reduces costs associated with cash handling. Sled's platform integrates with major point-of-sale and electronic transaction systems, enabling seamless transactions for large retail chains in Brazil. In addition to facilitating digital change, Sled offers a cash withdrawal service for Mastercard clients at retail locations and is in the process of expanding its services to include other major payment brands like Visa and Elo. By streamlining cash transactions, Sled aims to enhance the efficiency and reliability of retail operations.

Quotanda is a lending as a service platform that enables organizations to offer education loan programs in any country and currency. The platform supports lenders, schools, governments, foundations, and communities in quickly creating and managing affordable education financing. Quotanda handles end-to-end program operations, including setup, marketing, compliance, loan origination, automated credit decisions, disbursement, servicing, and default management, allowing partners to scale access to education without expanding internal resources. Its client base includes educational institutions, government bodies, and financial institutions seeking to broaden student financing options globally.

dLocal is a payments technology platform that enables global merchants to process cross-border and local payments in emerging markets. Founded in 2016 and based in Montevideo, Uruguay, the company provides access to hundreds of local payment methods across multiple countries, helping merchants reach consumers in Africa, Asia, and Latin America. Its One dLocal platform supports pay-in and pay-out flows, serving enterprise clients with a focus on reducing complexity and enabling safe, efficient online payments. The company generates revenue from processing fees charged to merchants for cross-border and local transactions, with Brazil a major market in Latin America.

Code Money, headquartered in Brusque, Brazil, specializes in mobile payment services. It offers a platform enabling users to send and receive funds, pay bills, and split expenses securely via their cell phones, even without an internet connection. The company aims to streamline transactions, providing customers with convenient and efficient financial solutions.

EBANX is a financial services company based in Parana, Brazil, specializing in cross-border payment processing solutions for global merchants looking to expand into Latin America. Founded in February 2012, EBANX offers an integrated platform that facilitates the entire e-commerce transaction process, allowing international businesses to provide a local payment experience for their customers without requiring a local entity. The company also delivers marketing consultancy services and a comprehensive selection of local payment options, complemented by dedicated customer support. Recognized for its innovation and contributions to the industry, EBANX has received multiple awards, including the EY Entrepreneur of the Year Award and the Best International CNP Program Award.

Payparking is a Brazilian company based in Vitória that specializes in mobile applications for parking reservation and payment. Established in 2012, the company provides an online platform allowing users to locate and secure parking spaces at their desired destinations. Payparking addresses the challenges faced by customers in finding convenient parking options and aims to enhance user experience through its web and mobile solutions. The company's offerings not only improve the quality of life for users but also support parking establishments in achieving organized and sustainable growth.

KiWi operates a mobile point-of-sale platform that enables micro, small, and medium enterprises to accept credit and debit card payments via smartphones and tablets. The service is designed to be user-friendly and offers the lowest commission rates in the market, eliminating forced deadlines, monthly payments, or annuities. By promoting the acceptance of card payments, KiWi aims to enhance financial security and accuracy for its users, ultimately supporting business growth and improving cash flow for entrepreneurs.

Founded in 2013 by Ignacio Alvarez, Gerardo Acuña, and Sebastian Cueva, Moneypool operates a community-based platform that facilitates group payments. Users can create groups to collect money from others using credit or debit cards, or cash. The platform charges a standard commission for processing credit card transactions.

Cherry is a payment solutions company that offers fast and easy payment plans for medical practices. It helps medical providers treat more patients by offering the best ``buy now, pay later`` solution with high approvals, low cost, and a seamless experience. The company was founded in 2017 and is based in San Francisco, California.

Noverde Tecnologia e Pagamentos S/A is a Brazilian company that specializes in personal loan services and the development of software for credit services. Founded in 2016 and headquartered in São Paulo, Noverde offers a platform that allows individuals to create accounts and share necessary information for loan applications. The company conducts real-time analyses to facilitate secure bank transfers for approved loans, ensuring a streamlined lending process. Noverde prioritizes the privacy of its customers by restricting the sale of personal information to third parties and enables users to track their loan progress directly through its application.

Quotanda is a lending as a service platform that enables organizations to offer education loan programs in any country and currency. The platform supports lenders, schools, governments, foundations, and communities in quickly creating and managing affordable education financing. Quotanda handles end-to-end program operations, including setup, marketing, compliance, loan origination, automated credit decisions, disbursement, servicing, and default management, allowing partners to scale access to education without expanding internal resources. Its client base includes educational institutions, government bodies, and financial institutions seeking to broaden student financing options globally.

Headnote Parent Inc. is a technology company founded in 2016 and based in San Francisco, California, specializing in software solutions for the legal industry. The company develops payment and accounts receivable automation software designed to streamline the financial processes of law firms. Headnote's platform simplifies e-payments, enabling law firms to receive payments more quickly and efficiently, significantly reducing the time taken to collect fees from an average of 60 to 94 days to just 4 days for its customers. In addition to payment processing, the software automates the tracking and management of accounts receivable, replacing outdated manual methods with real-time dashboards that enhance operational efficiency and client satisfaction. Headnote serves a diverse range of law firms across the United States, ensuring compliance with all relevant payment regulations.

Code Money, headquartered in Brusque, Brazil, specializes in mobile payment services. It offers a platform enabling users to send and receive funds, pay bills, and split expenses securely via their cell phones, even without an internet connection. The company aims to streamline transactions, providing customers with convenient and efficient financial solutions.

Conta Um is a Brazilian company that provides a digital account for payment, enabling users to conduct financial transactions without the need for a traditional bank. The platform optimizes payroll processes and simplifies the payment of employees and outsourced workers, reducing costs and enhancing control over corporate expenses. By facilitating online reconciliation and managing premiums and incentives, Conta Um allows businesses to navigate financial transactions efficiently while minimizing labor risks. Users can access the platform without the requirement for proof of income or residence, making it an accessible alternative for managing payments and financial activities.

GBolso is a personal finance management solution that enables users to manage receipts and payments, import bank statements, project cash flows, and analyze investments. Users can categorize the entries based on the pre-defined classifications or customize them according to the preferences. Users can also receive payment reminders via email or SMS. The solution has been featured in an article in Folha de São Paulo on personal financial management and Small Business Big Business on Startups. GBolso is based in Brazil. It is a part of the Microsoft Bizpark, Microsoft's global program that helps tech startups.

Kaplen is a developer of a card reconciliation platform aimed at assisting merchants and e-commerce businesses in managing their credit and debit card sales and receipts. The platform enables users to track, monitor, and consolidate electronic statements from debit and credit cards, facilitating a secure and efficient reconciliation process. By providing these tools, Kaplen helps retailers and e-commerce operators maintain better control over their financial transactions, ultimately enhancing their operational efficiency.

dLocal is a payments technology platform that enables global merchants to process cross-border and local payments in emerging markets. Founded in 2016 and based in Montevideo, Uruguay, the company provides access to hundreds of local payment methods across multiple countries, helping merchants reach consumers in Africa, Asia, and Latin America. Its One dLocal platform supports pay-in and pay-out flows, serving enterprise clients with a focus on reducing complexity and enabling safe, efficient online payments. The company generates revenue from processing fees charged to merchants for cross-border and local transactions, with Brazil a major market in Latin America.