The Goldman Sachs Group

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Float offers modern financial services, powerful software and industry-leading support designed for every company and stage of growth. Our product suite includes corporate cards, bill pay, expense management and high-yield accounts, giving finance teams everything they need to manage spending and cash flow efficiently.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

Form3 is a London-based company that provides cloud-based payment processing, clearing, and settlement services tailored for regulated financial institutions. Established in 2016, it offers a fully managed payment technology service built on a robust AWS cloud processing platform. Form3's architecture includes multiple payment gateways and a micro-services framework, allowing clients to access a comprehensive range of payment schemes through a single application programming interface (API). This technology facilitates secure and reliable agency payment services on a per-transaction basis without upfront costs. Its clientele consists of various financial entities, including leading banks, non-bank financial institutions, and fintech companies, such as payment institutions and e-money providers.

Amount, Inc. is a digital technology company based in Chicago, Illinois, specializing in mobile banking solutions for financial institutions. Established in 2018, Amount focuses on accelerating digital transformation by offering a range of services that enhance customer acquisition and optimize performance across various product categories, including personal loans, credit cards, and deposit accounts. Its flagship product, Amount 360, is a cloud-based platform that provides comprehensive solutions with features such as omnichannel integration, fraud prevention, and risk analytics. Amount's services enable financial institutions to modernize their retail offerings and improve user experiences, with clients collectively managing nearly $1 trillion in U.S. assets and serving over 25 million customers.

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.

SumUp, established in 2011, is a leading financial technology company specializing in mobile point-of-sale (mPOS) solutions. It enables businesses, particularly small and medium-sized ones, to securely and conveniently accept card payments using smartphones or tablets. SumUp's proprietary hardware and mobile apps facilitate transactions, supporting magstripe, chip, and contactless payment methods. The company operates in 13 countries, including Germany, the UK, and Brazil, and employs over 100 people worldwide. SumUp's offerings also extend to SDKs and APIs for third-party integrations.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Tamara is a prominent shopping and payments platform based in Riyadh, Saudi Arabia, and serves the GCC region. Founded by Abdulmajeed Alsukhan and his partners, the company aims to transform the shopping, payment, and banking experience for consumers. With a workforce of over 350 employees, Tamara has established a significant presence, operating offices in the UAE, Egypt, Germany, and Vietnam. Since its inception in September 2020, Tamara has raised approximately $366 million in both equity and debt from notable investors, including Sanabil Investments and Goldman Sachs. The platform boasts around 6 million customers and partners with more than 15,000 merchants, featuring a mix of global and regional brands as well as local small and medium enterprises. Tamara empowers merchants by providing flexible payment options through its application programming interfaces, allowing clients to increase sales by offering installment payment plans.

One97 Communications Limited is a mobile payments services company based in Noida, India, founded in 2000. It operates under the Paytm brand, offering a comprehensive range of mobile content and commerce services. The company provides digital goods and services, including top-ups, ticket bookings, hotel reservations, music, videos, games, and other mobile content. Additionally, One97 Communications is a leading provider of payment solutions for e-commerce merchants, utilizing its RBI-approved semi-closed wallet. With a workforce of over 4,500 employees, the company has a wide geographical footprint, with regional offices in major Indian cities such as Mumbai, Bengaluru, Pune, Chennai, and Kolkata, as well as a global presence in Africa, Europe, the Middle East, and Southeast Asia.

Tamara is a prominent shopping and payments platform based in Riyadh, Saudi Arabia, and serves the GCC region. Founded by Abdulmajeed Alsukhan and his partners, the company aims to transform the shopping, payment, and banking experience for consumers. With a workforce of over 350 employees, Tamara has established a significant presence, operating offices in the UAE, Egypt, Germany, and Vietnam. Since its inception in September 2020, Tamara has raised approximately $366 million in both equity and debt from notable investors, including Sanabil Investments and Goldman Sachs. The platform boasts around 6 million customers and partners with more than 15,000 merchants, featuring a mix of global and regional brands as well as local small and medium enterprises. Tamara empowers merchants by providing flexible payment options through its application programming interfaces, allowing clients to increase sales by offering installment payment plans.

Stripe is a technology company that develops APIs and tools for businesses to accept and manage online payments. It offers a range of products, including Payments, Subscriptions, Connect, Sigma, and Atlas, catering to various industries such as e-commerce, B2B platforms, and non-profits. Stripe also provides fraud detection tools like Radar and user interface components for custom payment forms with Stripe Elements. It supports international debit/credit cards and serves businesses in the U.S., Canada, Europe, and other regions. Additionally, Stripe Capital offers financing options based on payment history, with automatic repayment adjustments based on daily sales.

Clara is a spending management platform focused on serving companies in Latin America. It offers an end-to-end solution that includes locally-issued corporate cards, bill payment services, financing options, and a software platform that streamlines corporate expense management. The platform is designed to simplify and automate financial processes, allowing businesses to gain real-time insights into spending and manage budgets more effectively. Clara is backed by a diverse group of global and regional investors, aiming to empower companies with greater financial agility and clarity. By enhancing the way company finances are managed, Clara contributes to increasing the economic competitiveness of the region.

Addi is a technology company specializing in credit and banking solutions, particularly through its point-of-sale lending application. This platform enables consumers to apply for credit at the moment of purchase in partner retail stores, facilitating interest-free installment payments. By offering a buy now, pay later option, Addi aims to enhance digital commerce and provide borrowers with quick and affordable financing for their shopping needs.

Founded in 2015, PeopleFund is a premier data-driven digital lender in South Korea, specializing in consumer finance. The company aims to provide financial freedom through affordable loans and attractive investment opportunities. Utilizing a proprietary credit model and advanced technology, PeopleFund enhances loan rates for borrowers while maintaining a low loss rate, benefiting both retail and institutional investors. It is recognized as the first digital lender in Korea to exceed $1 billion in loan originations and has innovatively engaged nearly 400,000 retail investors. PeopleFund stands out as the first fintech platform to offer loan and investment products directly through KakaoTalk, a popular messaging app in Korea. Additionally, the company operates a lending platform that collaborates with banks and financial institutions to streamline the loan process, making personal loans accessible at competitive interest rates through various third-party applications.

Zilch is a direct-to-consumer ad-subsidised payments network. Zilch is a payment service that allows users to buy now and pay over 6 weeks with 0% APR and no fees. Users can also earn rewards for paying in full. Zilch distinguishes itself from the established fintech industry by generating profitable global revenue, delivering unparalleled value to both customers and marketers.

Openpay Group Ltd, established in 2013 and headquartered in Melbourne, Australia, specializes in Buy Now Pay Later (BNPL) payment solutions. It operates in Australia, New Zealand, the United Kingdom, and the United States, offering interest-free repayment plans to customers through various channels. Openpay partners with merchants to facilitate higher transaction values and conversion rates, and provides Openpay for Business, a SaaS platform for enterprise customers to manage trade accounts. The company serves diverse sectors such as healthcare, automotive, home improvement, and retail, and has a strategic partnership with ezyVet for pet care. Openpay generates revenue through fees charged to merchants and customers for using its platform.

Form3 is a London-based company that provides cloud-based payment processing, clearing, and settlement services tailored for regulated financial institutions. Established in 2016, it offers a fully managed payment technology service built on a robust AWS cloud processing platform. Form3's architecture includes multiple payment gateways and a micro-services framework, allowing clients to access a comprehensive range of payment schemes through a single application programming interface (API). This technology facilitates secure and reliable agency payment services on a per-transaction basis without upfront costs. Its clientele consists of various financial entities, including leading banks, non-bank financial institutions, and fintech companies, such as payment institutions and e-money providers.

GreenSky, Inc. is a technology company based in Atlanta, Georgia, that specializes in point-of-sale financing and payment solutions for merchants, consumers, and banks. Founded in 2006, GreenSky employs a proprietary technology infrastructure that streamlines the transaction lifecycle, encompassing credit applications, underwriting, and real-time allocation to banking partners. The company provides paperless solutions that enhance the user experience in payments and credit, facilitating loans primarily for home improvement and healthcare services. With partnerships among numerous large banking institutions, GreenSky has funded over 12 billion dollars in loans for more than 1.7 million customers, offering an accessible mobile app for loan management. Its services target consumers with prime to prime-plus credit, presenting an alternative to traditional credit cards for smaller loan amounts.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

Zilch is a direct-to-consumer ad-subsidised payments network. Zilch is a payment service that allows users to buy now and pay over 6 weeks with 0% APR and no fees. Users can also earn rewards for paying in full. Zilch distinguishes itself from the established fintech industry by generating profitable global revenue, delivering unparalleled value to both customers and marketers.

Nuvei Corporation, established in 2003, is a global payment technology solutions provider headquartered in Montreal, Canada. It offers a cloud-based Native Commerce Platform that enables businesses to accept payments across various channels, including mobile, online, unattended, and in-store. Nuvei serves clients in North America, Europe, the Asia Pacific, and Latin America through a network of direct sales, agents, resellers, and partners. Its comprehensive suite of services includes payment acceptance, card issuing, banking, risk management, and fraud management, empowering businesses to optimize payment processes and increase acceptance rates both locally and globally.

Amount, Inc. is a digital technology company based in Chicago, Illinois, specializing in mobile banking solutions for financial institutions. Established in 2018, Amount focuses on accelerating digital transformation by offering a range of services that enhance customer acquisition and optimize performance across various product categories, including personal loans, credit cards, and deposit accounts. Its flagship product, Amount 360, is a cloud-based platform that provides comprehensive solutions with features such as omnichannel integration, fraud prevention, and risk analytics. Amount's services enable financial institutions to modernize their retail offerings and improve user experiences, with clients collectively managing nearly $1 trillion in U.S. assets and serving over 25 million customers.

DgPays is a financial technology company that specializes in providing comprehensive payment solutions tailored for banks, e-money institutions, telecom operators, and transportation operators. The company's platform includes a range of services such as online and mobile payment systems, mobile wallets, prepaid cards, and bill payment solutions. Additionally, DgPays offers tools for managing loyalty programs and payment gateway infrastructure. Their solutions also encompass essential banking services, including compliance, fraud management, and authentication, ensuring secure and efficient financial transactions. By integrating these diverse services, DgPays aims to facilitate seamless and convenient financial experiences for its clients and their customers.

SumUp, established in 2011, is a leading financial technology company specializing in mobile point-of-sale (mPOS) solutions. It enables businesses, particularly small and medium-sized ones, to securely and conveniently accept card payments using smartphones or tablets. SumUp's proprietary hardware and mobile apps facilitate transactions, supporting magstripe, chip, and contactless payment methods. The company operates in 13 countries, including Germany, the UK, and Brazil, and employs over 100 people worldwide. SumUp's offerings also extend to SDKs and APIs for third-party integrations.

Flywire is a payments enablement and software company headquartered in Boston, Massachusetts, that specializes in providing secure payment solutions for various industries, including education and healthcare. The company leverages its proprietary global payments network, an advanced payments platform, and industry-specific software to facilitate complex transactions for over 4,000 clients worldwide. Flywire supports a diverse range of payment methods, allowing transactions in more than 140 currencies across 240 countries and territories. Its solutions aim to streamline the process of receiving reconciled domestic and international payments, enhancing cost-effectiveness and efficiency for its clients. The majority of Flywire's revenue is generated from the Americas, reflecting its strong presence in the region.

Paidy Inc. is a Tokyo-based company established in 2008, specializing in a cardless real-time payment network that simplifies online transactions for consumers. Formerly known as Exchange Corporation K.K., the company rebranded in 2018 to reflect its focus on providing an efficient payment solution that does not require credit cards or pre-registration. Paidy's software platform allows users to make purchases online and pay for them through a consolidated monthly bill, leveraging proprietary technology to assess creditworthiness and guarantee payments to merchants. This approach caters particularly to Japanese consumers, many of whom prefer avoiding credit cards for online shopping. By facilitating cardless payments, Paidy helps eCommerce operators enhance their conversion rates, increase average order values, and boost repeat purchases.

Veem Inc. is a payment service provider that offers a platform designed to simplify the process of sending and receiving payments for businesses. Founded in 2014 and headquartered in San Francisco, California, the company utilizes blockchain technology to facilitate international payments, eliminating the need for intermediary banks and thereby reducing costs for small- and medium-sized enterprises. Veem's platform allows users to send and receive payments in local currency, track transactions in real time, generate invoices, and upload mass documents. Additionally, it integrates with various accounting platforms to streamline financial operations. With offices in Kanata, Canada, and Shanghai, China, Veem aims to create a user-focused financial ecosystem that enhances the efficiency of cross-border transactions.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

Flywire is a payments enablement and software company headquartered in Boston, Massachusetts, that specializes in providing secure payment solutions for various industries, including education and healthcare. The company leverages its proprietary global payments network, an advanced payments platform, and industry-specific software to facilitate complex transactions for over 4,000 clients worldwide. Flywire supports a diverse range of payment methods, allowing transactions in more than 140 currencies across 240 countries and territories. Its solutions aim to streamline the process of receiving reconciled domestic and international payments, enhancing cost-effectiveness and efficiency for its clients. The majority of Flywire's revenue is generated from the Americas, reflecting its strong presence in the region.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

Paidy Inc. is a Tokyo-based company established in 2008, specializing in a cardless real-time payment network that simplifies online transactions for consumers. Formerly known as Exchange Corporation K.K., the company rebranded in 2018 to reflect its focus on providing an efficient payment solution that does not require credit cards or pre-registration. Paidy's software platform allows users to make purchases online and pay for them through a consolidated monthly bill, leveraging proprietary technology to assess creditworthiness and guarantee payments to merchants. This approach caters particularly to Japanese consumers, many of whom prefer avoiding credit cards for online shopping. By facilitating cardless payments, Paidy helps eCommerce operators enhance their conversion rates, increase average order values, and boost repeat purchases.

Remitly Global, Inc. is a digital remittance company that specializes in facilitating international money transfers through its extensive network across Africa, Asia, Central Europe, and South America. Founded in 2011 and headquartered in Seattle, Washington, with additional offices in London, Manila, and Nicaragua, Remitly offers a mobile payment service that allows consumers in the United States, Canada, and the United Kingdom to send money easily to friends and family. The company utilizes advanced technology to streamline the money transfer process, eliminating unnecessary steps and fees associated with traditional methods. As a licensed money transmitter, Remitly operates in 49 states and Washington, D.C., providing a cost-effective and reliable service for its customers. Revenue is generated through transaction fees and foreign exchange spreads, positioning Remitly as a key player in the evolving financial services landscape for immigrants.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

Capify specializes in providing business loans and financial services to small and medium-sized enterprises (SMEs) in the United Kingdom. Utilizing a proprietary online technology platform, Capify offers loans of up to £50,000, with repayment terms tailored to align with a business's cash flow and average turnover. In addition to traditional loans, the company provides various financial solutions, including merchant cash advances, working capital funding, and equipment financing, aimed at helping businesses sustain and grow. Qualified applicants can receive funds directly into their business bank accounts within days, streamlining the funding process for SMEs.

Ualá is a financial technology company that offers a digital banking application aimed at democratizing access to financial services. The platform provides a comprehensive financial ecosystem, allowing users to manage payments, request loans, and invest in various financial products. Ualá's services include a prepaid Mastercard and savings accounts, which enhance financial inclusion by enabling users to make secure purchases and transfer money instantly through a traditional transactional payment network. The company's mission is to empower individuals by offering accessible financial solutions.

Veem Inc. is a payment service provider that offers a platform designed to simplify the process of sending and receiving payments for businesses. Founded in 2014 and headquartered in San Francisco, California, the company utilizes blockchain technology to facilitate international payments, eliminating the need for intermediary banks and thereby reducing costs for small- and medium-sized enterprises. Veem's platform allows users to send and receive payments in local currency, track transactions in real time, generate invoices, and upload mass documents. Additionally, it integrates with various accounting platforms to streamline financial operations. With offices in Kanata, Canada, and Shanghai, China, Veem aims to create a user-focused financial ecosystem that enhances the efficiency of cross-border transactions.

Paidy Inc. is a Tokyo-based company established in 2008, specializing in a cardless real-time payment network that simplifies online transactions for consumers. Formerly known as Exchange Corporation K.K., the company rebranded in 2018 to reflect its focus on providing an efficient payment solution that does not require credit cards or pre-registration. Paidy's software platform allows users to make purchases online and pay for them through a consolidated monthly bill, leveraging proprietary technology to assess creditworthiness and guarantee payments to merchants. This approach caters particularly to Japanese consumers, many of whom prefer avoiding credit cards for online shopping. By facilitating cardless payments, Paidy helps eCommerce operators enhance their conversion rates, increase average order values, and boost repeat purchases.

Marqeta operates a modern card issuing and payment processing platform that enables businesses to create customized payment solutions using open APIs. Founded in 2010 and headquartered in Oakland, California, with an additional office in London, Marqeta's platform allows users to build, issue, and manage digital, physical, and tokenized payment cards. The company provides a range of services including virtual cards, real-time fund transfers, spend controls, and data analytics solutions. Marqeta serves various industries such as e-commerce, lending, on-demand services, and digital banking by offering flexible and scalable payment infrastructure. It is certified to operate in 40 countries globally.

Final, Inc. is a startup based in Oakland, California, founded in 2014, that focuses on enhancing consumer security in financial transactions. The company offers a physical credit card and a mobile application designed to protect users from fraud, theft, and account breaches. Its application enables users to generate multiple credit card numbers, which can be assigned to specific merchants or used as disposable one-time numbers for single purchases. This flexibility allows users to monitor their spending habits while minimizing the risk of financial fraud and the complications of card cancellations. Final is recognized for its innovative approach to payment services and has gained backing from investors, having participated in Y Combinator in 2015. As of early 2018, Final operates as a subsidiary of The Goldman Sachs Group, Inc.

Neyber is a UK-based fintech company that partners with employers to offer employees access to fairer borrowing and saving options. Through its platform, Neyber provides salary-deducted loans at competitive rates and financial education resources, aiming to improve employees' financial well-being and engagement.

nanopay Corporation is a Toronto-based company that specializes in providing loyalty and payment solutions for retail and e-commerce merchants in Canada. The company offers an integrated platform called nanoPay, which streamlines the checkout process by combining customer identity, loyalty, and payment information into single-use transaction tokens. This facilitates seamless shopping experiences through the delivery of offers, loyalty rewards, and payment processing with a single touch. Additionally, nanopay develops MintChip, a payment solution aimed at retailers. The company's technology is built on hybrid blockchain principles, enhancing transaction throughput while simplifying governance and reducing costs. With a focus on innovation, nanopay aims to lead the transition to digital cash on a global scale.

Momo is a FinTech startup that provides a mobile electronic wallet and payment application for iOS and Android devices, primarily serving customers in Vietnam. The platform facilitates nationwide cash transfers, bill payments for over 100 types of services, mobile phone recharges, and personal loan settlements. Additionally, Momo enables users to purchase various services, including software licenses, online gaming cards, and tickets for airlines and movies. The company collaborates with 24 domestic banks and international payment networks, ensuring secure and efficient financial transactions for its users. Momo aims to simplify the payment experience, making it effortless and safe for individuals to manage their financial activities.

Billtrust is a provider of cloud-based software that specializes in streamlining and automating accounts receivable (AR) processes for B2B commerce. The company addresses the inefficiencies of traditional AR methods, which often rely on outdated, manual, and paper-based practices. By offering a comprehensive order-to-cash platform, Billtrust facilitates the entire process from order receipt to payment collection, thereby enhancing revenue capture and cash flow for its clients. Its solutions encompass various functions, including credit decisioning, online ordering, invoicing, cash application, and collections. Billtrust integrates with multiple ecosystem players, such as financial institutions and enterprise resource planning systems, enabling customers to transition from costly paper invoicing to efficient electronic billing and payment methods. This transformation not only accelerates payment processing but also generates significant cost savings and improves the overall user experience.

Bluefin Payment Systems LLC specializes in secure payment technology, catering to independent software vendors, enterprises, financial institutions, and small to medium-sized businesses globally. The company's offerings include ShieldConex, a data security platform designed to safeguard personally identifiable information and payment data, and Decryptx, a Decryption as a Service solution for various software systems and payment gateways. Its PayConex platform supports merchants and ISV partners with a comprehensive payment and security solution for various transaction types, including credit, debit, ACH, and recurring payments. Bluefin also provides tools for payment tokenization, EMV authentication, and PCI-validated point-to-point encryption (P2PE), which protects data during processing. Additionally, the company offers Transparent Redirect for customizable payment page hosting and P2PE Manager for managing encryption activities. Headquartered in Atlanta, Georgia, Bluefin operates additional offices in New York, Chicago, Tulsa, and Waterford, Ireland, and is recognized for its innovative contributions to payment security, holding multiple patents related to encryption solutions.

Block, Inc. is a technology company specializing in financial services, founded in 2009. It operates several key platforms, including Square, Cash App, TIDAL, and TBD, aimed at enhancing economic access for individuals and businesses. Block provides payment services to merchants and has developed Cash App as a person-to-person payment network, facilitating seamless transactions among users. In 2023, the payment volume processed through Square exceeded $200 million, reflecting the company's significant role in the financial technology landscape.

Block, Inc. is a technology company specializing in financial services, founded in 2009. It operates several key platforms, including Square, Cash App, TIDAL, and TBD, aimed at enhancing economic access for individuals and businesses. Block provides payment services to merchants and has developed Cash App as a person-to-person payment network, facilitating seamless transactions among users. In 2023, the payment volume processed through Square exceeded $200 million, reflecting the company's significant role in the financial technology landscape.

DgPays is a financial technology company that specializes in providing comprehensive payment solutions tailored for banks, e-money institutions, telecom operators, and transportation operators. The company's platform includes a range of services such as online and mobile payment systems, mobile wallets, prepaid cards, and bill payment solutions. Additionally, DgPays offers tools for managing loyalty programs and payment gateway infrastructure. Their solutions also encompass essential banking services, including compliance, fraud management, and authentication, ensuring secure and efficient financial transactions. By integrating these diverse services, DgPays aims to facilitate seamless and convenient financial experiences for its clients and their customers.

Circle is a financial technology firm established in 2013 by Jeremy Allaire and Sean Neville, headquartered in Boston, with additional offices in New York, San Francisco, Dublin, London, and Hong Kong. The company leverages blockchain technology to facilitate payments and e-commerce through stablecoins and its Circle Pay platform, streamlining the process of sending money. Circle offers a range of services, including Circle Invest, which allows users to buy and sell cryptocurrency assets, and Circle Trade, which provides over-the-counter trading services with access to one of the largest global liquidity pools for digital asset trading, averaging $2 billion in monthly volume. Backed by prominent investors such as Goldman Sachs and Accel Partners, Circle positions itself as a key player in the global internet finance sector, focused on integrating crypto assets into mainstream financial applications.

Momo is a FinTech startup that provides a mobile electronic wallet and payment application for iOS and Android devices, primarily serving customers in Vietnam. The platform facilitates nationwide cash transfers, bill payments for over 100 types of services, mobile phone recharges, and personal loan settlements. Additionally, Momo enables users to purchase various services, including software licenses, online gaming cards, and tickets for airlines and movies. The company collaborates with 24 domestic banks and international payment networks, ensuring secure and efficient financial transactions for its users. Momo aims to simplify the payment experience, making it effortless and safe for individuals to manage their financial activities.

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.

FreedomPay, Inc. operates a comprehensive commerce platform that offers merchants solutions for managing complex payment environments. The company provides a range of services, including mobile payments, cashless solutions, payment processing, and customer relationship management. Its offerings also encompass tools for incentive management, product mapping, POS integration, and detailed analytical capabilities. FreedomPay's platform is designed to streamline transactions, enhance security with PCI-validated point-to-point encryption, and support compliance with EMV and NFC standards. The company serves a diverse clientele across various sectors, including retail, hospitality, gaming, education, healthcare, and financial services. Founded in 2000 and headquartered in Radnor, Pennsylvania, FreedomPay is recognized for its ability to deliver tailored cashless payment solutions that enhance customer experience and operational efficiency.

Tinkoff Bank is an innovative online financial ecosystem that provides a comprehensive range of financial services tailored for individuals and businesses. Central to its offerings is lifestyle banking, which allows customers to manage personal spending, invest savings, earn loyalty bonuses, and access various services such as travel bookings and restaurant reservations, all through its user-friendly mobile applications and website. Operating without physical branches, Tinkoff utilizes a network of smart couriers for product delivery across Russia and offers customer support through online channels and call centers, enhancing accessibility and convenience. The bank employs advanced technologies, including artificial intelligence and machine learning, to optimize customer interactions, with AI handling a significant portion of inquiries efficiently. Most of Tinkoff's products and IT systems are developed in-house, supported by a predominantly IT-focused workforce. Recognized for its excellence in digital banking, Tinkoff has garnered multiple awards for its innovative services and was acknowledged as one of Russia's top employers.

Nuvei Corporation, established in 2003, is a global payment technology solutions provider headquartered in Montreal, Canada. It offers a cloud-based Native Commerce Platform that enables businesses to accept payments across various channels, including mobile, online, unattended, and in-store. Nuvei serves clients in North America, Europe, the Asia Pacific, and Latin America through a network of direct sales, agents, resellers, and partners. Its comprehensive suite of services includes payment acceptance, card issuing, banking, risk management, and fraud management, empowering businesses to optimize payment processes and increase acceptance rates both locally and globally.

FreedomPay, Inc. operates a comprehensive commerce platform that offers merchants solutions for managing complex payment environments. The company provides a range of services, including mobile payments, cashless solutions, payment processing, and customer relationship management. Its offerings also encompass tools for incentive management, product mapping, POS integration, and detailed analytical capabilities. FreedomPay's platform is designed to streamline transactions, enhance security with PCI-validated point-to-point encryption, and support compliance with EMV and NFC standards. The company serves a diverse clientele across various sectors, including retail, hospitality, gaming, education, healthcare, and financial services. Founded in 2000 and headquartered in Radnor, Pennsylvania, FreedomPay is recognized for its ability to deliver tailored cashless payment solutions that enhance customer experience and operational efficiency.

PayPal, established in 2002, is a leading global digital payment platform that facilitates transactions between consumers and merchants. With over 375 million active users across 200 markets, PayPal enables users to send, receive, and withdraw funds, as well as make and accept payments online and in-store. It partners with a wide range of businesses, from small online stores to large e-commerce platforms, including Anyway Any Day, Ozone.ru, and Aeroexpress in Russia, where it launched in 2013. PayPal's mission is to make financial services more accessible, affordable, and secure, thereby empowering individuals and businesses to participate in the global economy.

QSI Payment is a leading provider of secure internet-based payment solutions and e-payments infrastructure software. The company specializes in facilitating online transactions, offering customers, including financial institutions and enterprises, the ability to manage e-payments with flexibility and control. QSI Payment's solutions ensure that transactions are conducted in a secure and authenticated manner, enhancing the overall safety and reliability of digital payments for both businesses and their customers.

Network International is a prominent provider of payment solutions in the Middle East and Africa, established in 1994. The company offers a comprehensive suite of technology-enabled services designed to meet the diverse needs of merchants and financial institutions. Its offerings include credit and debit card processing, ATM management, merchant acquiring, and consumer finance applications. Network International is recognized for its innovative approach and ability to deliver tailored solutions that enhance payment transactions, making them secure, fast, and efficient. As a principal member of Visa International and MasterCard International in the UAE, it holds a significant position in the market, being the first independent vendor certified by both networks for card payments. The company also provides consultancy services to assist clients in planning and designing new card products and programs. Committed to driving customer revenue and profitability, Network International continues to evolve its services to adapt to the growing demands of the digital commerce landscape.

PayPal, established in 2002, is a leading global digital payment platform that facilitates transactions between consumers and merchants. With over 375 million active users across 200 markets, PayPal enables users to send, receive, and withdraw funds, as well as make and accept payments online and in-store. It partners with a wide range of businesses, from small online stores to large e-commerce platforms, including Anyway Any Day, Ozone.ru, and Aeroexpress in Russia, where it launched in 2013. PayPal's mission is to make financial services more accessible, affordable, and secure, thereby empowering individuals and businesses to participate in the global economy.