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Pliant is a European fintech company based in Berlin, founded in 2020, that specializes in B2B payment solutions. Its modular, API-first platform is designed to streamline spending, improve cash flow, and integrate payments into existing financial workflows, catering particularly to industries with complex payment requirements such as travel and fleet management. Pliant offers services to two main customer segments: businesses seeking to optimize their operational processes through user-friendly applications and APIs, and financial service providers aiming to enhance their credit card offerings via Pliant's embedded finance and white-label solutions. As a licensed e-money institution, Pliant issues Visa-powered credit cards in 11 currencies across more than 30 countries, serving over 3,500 businesses and over 20 partners globally. The platform allows companies to manage expenses and credit limits easily, promoting efficiency and financial flexibility without the need for traditional bank loans.

Khazna operates a mobile application platform designed to enhance financial services for Egyptians, particularly targeting the 50% of smartphone users who lack access to formal financial systems. The super app provides a range of services including General Purpose Credit, Buy Now Pay Later (BNPL), bill payments, savings, and insurance. It also facilitates cash advances for employees to address unforeseen emergencies and allows users to transfer and receive funds without incurring transaction fees. By focusing on digitizing cash transactions, Khazna aims to offer convenient, effective, and secure financial solutions, thereby improving financial inclusion in Egypt and potentially beyond.

Tulyp is a financial services provider specializing in trade finance solutions. It develops software to mitigate counterparty risk in international trade, offering payment guarantees, financing, and liquidity support to businesses. The platform enables small businesses to access invoice financing, streamlining the settlement of international trade payments, shipments, and delivery.

Vitt is a financial payment platform that offers non-dilutive venture debt investment, primarily targeting SaaS companies. The platform facilitates the integration of billing systems and the management of subscriptions, allowing clients to verify potential payouts based on their monthly recurring revenues. By converting recurring revenues into upfront cash, Vitt enables businesses to enhance their cash flow without the burden of dilution. Additionally, the platform provides tools for clients to invest in treasuries, thereby supporting effective cash management and savings strategies.

Due is a blockchain payment service provider that is developing a platform to connect domestic payment channels utilizing open and interoperable blockchain protocols.

Due is a financial firm focused on transforming international payments through the use of stablecoins and blockchain technology. It has developed a crypto payment platform that facilitates instant payments and transactions, offering features such as instant settlements and low fees. This platform aims to enhance the efficiency of financial transactions, providing merchants with cost-effective and swift payment options that can be accessed from any digital wallet.

Revio was founded in 2020 to help businesses collect more revenue, through reducing payment failures and recovering lost revenue. Through a single API, we optimise merchants’ payment stacks with locally-optimised payment methods and smart payment routing, failover, and retries. We understand that there is more to getting paid than accepting payments, and believe that how you engage customers when trying to collect a failed payment is as important as when you are trying to acquire them. Our Recovery solution builds on this insight, empowering businesses with data-driven omnichannel interaction workflows to recover at-risk revenue from their customers. Today, we’re helping some of Africa's largest brands and fastest-growing startups increase their revenue through increased payment success rates, customer retention, and lifetime value. Locally grounded but globally relevant, we aim to be the go-to revenue recovery and growth partner for businesses across emerging markets.

Revio was founded in 2020 to help businesses collect more revenue, through reducing payment failures and recovering lost revenue. Through a single API, we optimise merchants’ payment stacks with locally-optimised payment methods and smart payment routing, failover, and retries. We understand that there is more to getting paid than accepting payments, and believe that how you engage customers when trying to collect a failed payment is as important as when you are trying to acquire them. Our Recovery solution builds on this insight, empowering businesses with data-driven omnichannel interaction workflows to recover at-risk revenue from their customers. Today, we’re helping some of Africa's largest brands and fastest-growing startups increase their revenue through increased payment success rates, customer retention, and lifetime value. Locally grounded but globally relevant, we aim to be the go-to revenue recovery and growth partner for businesses across emerging markets.

Julaya is a fintech company focused on providing African businesses with digital financial solutions. The platform enables companies to manage payments efficiently through a digital account, facilitating mobile money transactions for employees and suppliers. Julaya's services include issuing virtual and physical prepaid cards, allowing businesses to streamline their financial operations. Additionally, the software supports utility bill payments, credit card reloading, and money transfers, enhancing accessibility to digital payment options. By digitizing their operations on the Julaya platform, businesses can also access digital loans, thereby improving their financial flexibility and operational efficiency. Julaya aims to empower businesses by offering a comprehensive suite of financial tools tailored to meet their specific needs.

Friday Finance is a financial management platform tailored for startups and small to medium-sized businesses in Europe. Established in 2021 and based in Berlin, the company aims to simplify B2B finance by offering an integrated solution for collecting, paying, and financing invoices. By connecting with users' existing bank accounts, Friday Finance provides real-time insights into cash flow, enabling businesses to pay bills, create financial forecasts, and streamline month-end processes. The platform enhances control and visibility while automating various financial tasks, allowing modern finance teams to operate more efficiently from a single interface.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

Abhi is a financial wellness platform based in Pakistan, founded in 2021, that focuses on providing salary advances to employees based on their accrued wages. The platform enables users to withdraw a portion of their earned salary directly into their bank accounts, thereby offering a solution to immediate financial needs without hidden charges. In addition to its salary advance services, Abhi supports employers by streamlining payroll processes and reducing the administrative burden on HR and finance departments. The company aims to enhance financial access and flexibility for employees while ensuring timely payments for employers, ultimately transforming the way individuals manage their finances.

Khazna operates a mobile application platform designed to enhance financial services for Egyptians, particularly targeting the 50% of smartphone users who lack access to formal financial systems. The super app provides a range of services including General Purpose Credit, Buy Now Pay Later (BNPL), bill payments, savings, and insurance. It also facilitates cash advances for employees to address unforeseen emergencies and allows users to transfer and receive funds without incurring transaction fees. By focusing on digitizing cash transactions, Khazna aims to offer convenient, effective, and secure financial solutions, thereby improving financial inclusion in Egypt and potentially beyond.

Vitt is a financial payment platform that offers non-dilutive venture debt investment, primarily targeting SaaS companies. The platform facilitates the integration of billing systems and the management of subscriptions, allowing clients to verify potential payouts based on their monthly recurring revenues. By converting recurring revenues into upfront cash, Vitt enables businesses to enhance their cash flow without the burden of dilution. Additionally, the platform provides tools for clients to invest in treasuries, thereby supporting effective cash management and savings strategies.

Nook is a developer of a trade collaboration platform focused on providing payment and invoicing solutions for small-to-medium enterprises (SMEs). The platform is designed to simplify the payment process by integrating features such as invoice processing, approval workflows, secure payments, and account reconciliation. Additionally, Nook incorporates fraud protection measures aimed at eliminating invoice fraud, ensuring that business owners can process their invoices and bill payments with ease and security. This comprehensive approach allows SMEs to manage their financial transactions more effectively.

Kevin. is a fintech company that specializes in an advanced account-to-account payment infrastructure aimed at replacing traditional card transactions. By leveraging open banking, the firm develops its own direct connections to banks, eliminating the reliance on third-party aggregators. This approach allows businesses to transition from costly card payments to more affordable transactions directly linked to customers' bank accounts. Kevin. offers fully customizable solutions that cater to businesses of any size, enhancing the customer experience and improving conversion rates while reducing payment acquisition costs for merchants. The company focuses on mobile and Point of Sale (POS) payments, providing a secure and efficient alternative for online transactions.

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

Friday Finance is a financial management platform tailored for startups and small to medium-sized businesses in Europe. Established in 2021 and based in Berlin, the company aims to simplify B2B finance by offering an integrated solution for collecting, paying, and financing invoices. By connecting with users' existing bank accounts, Friday Finance provides real-time insights into cash flow, enabling businesses to pay bills, create financial forecasts, and streamline month-end processes. The platform enhances control and visibility while automating various financial tasks, allowing modern finance teams to operate more efficiently from a single interface.

Friday Finance is a financial management platform tailored for startups and small to medium-sized businesses in Europe. Established in 2021 and based in Berlin, the company aims to simplify B2B finance by offering an integrated solution for collecting, paying, and financing invoices. By connecting with users' existing bank accounts, Friday Finance provides real-time insights into cash flow, enabling businesses to pay bills, create financial forecasts, and streamline month-end processes. The platform enhances control and visibility while automating various financial tasks, allowing modern finance teams to operate more efficiently from a single interface.

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

ready2order is a fintech platform designed to support small and medium-sized businesses by offering a comprehensive digital cash-register application. Launched in 2015, the platform has successfully simplified operations for over 10,000 entrepreneurs, helping them manage various aspects of their businesses, including cash book maintenance, employee management, sales tracking, inventory management, and compliance with regulations. As ready2order expands into the German market, it aims to enhance the capabilities of small businesses, allowing them to navigate the complexities of self-employment and economic challenges more effectively. The company's mission focuses on empowering entrepreneurs with smart software solutions, enabling them to focus on their core passions while reducing administrative burdens. Through collaboration with experts in tax consulting, business, and law, ready2order strives to create tools that foster independence and clarity for small business owners, ultimately enhancing their operational freedom and economic potential.

Payments and Loyalty Interfaces for Hospitality Sector in EU

Primer API Limited operates an online platform that consolidates fragmented payment ecosystems for e-commerce merchants and online payment facilitators. Founded in 2019 and based in London, the company provides solutions to optimize both front and backend payment flows, aiming to enhance authorization rates, minimize costs, and facilitate market expansion. Primer enables users to seamlessly connect with various third-party services, including payment service providers, fraud detection systems, and subscription billing engines. Its platform allows merchants to easily integrate new payment methods, streamline fraud mitigation, and implement sophisticated transaction routing without requiring coding skills. Through these capabilities, Primer enhances the overall commerce experience for customers and empowers businesses to improve their operational efficiency.

Curve is a digital wallet that consolidates multiple payment cards and accounts into a single, user-friendly platform, enhancing the way individuals manage their finances. Established in London in 2015, Curve allows users to store their cards digitally while providing features that actively save money during transactions. Its technology eliminates hidden foreign transaction fees, enables card switching even after a purchase, and allows users to earn rewards in addition to their existing card benefits. With authorization from financial regulators in the UK, EEA, and US, Curve has gained over 6 million customers worldwide and processes significant annual payment volumes. By merging traditional and digital banking functionalities, Curve positions itself as a leader in financial innovation, offering unique advantages that distinguish it from conventional digital wallets.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

Lemonway is a pan-European payment institution that specializes in providing payment processing, wallet management, and third-party payment solutions for B2B, B2C, C2C marketplaces, and alternative finance platforms. Headquartered in Paris and with an office in Hamburg, the company is authorized and regulated by the ACPR, allowing it to operate across 28 European countries through the "EU financial passport." Lemonway offers a secure payment platform that facilitates real-time cost accounting and transaction export, as well as services such as escrow account management and advanced anti-fraud measures. Trusted by 400 platforms, including 200 in the alternative finance sector, the company has successfully opened 12 million e-wallets for its clients and has raised €50 million from notable investment funds.

Credi2 develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. The company utilizes a proven technology platform that automates all processes, from initial customer engagement to the collection of outstanding claims. Credi2 collaborates with various institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. A notable product offered to end customers is cashpresso, an app that allows users to pay expenses in flexible installments, enhancing the accessibility of credit options.

Payworks is a provider of advanced Point of Sale (POS) payment gateway technology, headquartered in Germany with additional offices in the UK, the US, and Poland. The company specializes in enabling developers of POS solutions to seamlessly integrate card payment functionality into their applications, facilitating secure processing of EMV, contactless, and mobile wallet transactions. Payworks' cloud-based platform is designed to make card acceptance at the POS efficient and cost-effective, enhancing the payment experience for businesses. The company serves leading acquirers and payment providers worldwide and was acquired by Visa in July 2019.

Koin is a pioneer in the Buy Now, Pay Later (BNPL) sector in Latin America, providing a streamlined and secure payment solution without bureaucratic hurdles. The company is expanding its offerings to include financial solutions for both business-to-business (B2B) and business-to-consumer (B2C) markets, with recent operations extending into Mexico. In addition to BNPL, Koin facilitates payments through Pix and has implemented a robust anti-fraud solution. Its mission is to enhance the shopping experience and democratize access to consumption for individuals while delivering value-added services to corporate clients. Koin was acquired in 2020 by Despegar, which is recognized as the largest travel company in the region.

Loot Financial Services Ltd., based in London, provides current account services and contactless Mastercard offerings. Established in 2014, Loot combines a prepaid debit card with a budgeting application that allows users to manage their finances effectively. The app offers features such as weekly budgeting data, real-time spending information, and the ability to pause or unpause the card. By automating expense tracking, Loot simplifies financial management for its users. The company is also exploring business-to-business solutions aimed at customer acquisition and loyalty enhancement, while seeking strategic investors for a global launch.

Curve is a digital wallet that consolidates multiple payment cards and accounts into a single, user-friendly platform, enhancing the way individuals manage their finances. Established in London in 2015, Curve allows users to store their cards digitally while providing features that actively save money during transactions. Its technology eliminates hidden foreign transaction fees, enables card switching even after a purchase, and allows users to earn rewards in addition to their existing card benefits. With authorization from financial regulators in the UK, EEA, and US, Curve has gained over 6 million customers worldwide and processes significant annual payment volumes. By merging traditional and digital banking functionalities, Curve positions itself as a leader in financial innovation, offering unique advantages that distinguish it from conventional digital wallets.

Credi2 develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. The company utilizes a proven technology platform that automates all processes, from initial customer engagement to the collection of outstanding claims. Credi2 collaborates with various institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. A notable product offered to end customers is cashpresso, an app that allows users to pay expenses in flexible installments, enhancing the accessibility of credit options.

Telleroo is a financial software platform founded on June 1, 2016, by Andrew Cookson, Fabian Flatz, Michael Riedler, and Miguel Castro, with its headquarters in London, United Kingdom. The platform is designed to facilitate automated bulk payments, allowing businesses to efficiently manage payroll, supplier payments, and other financial transactions without relying on traditional bank services. It integrates seamlessly with various accounting systems and payment applications, enabling users to import payment files and streamline their financial processes. Through its innovative approach, Telleroo aims to simplify the payment experience for businesses and financial professionals.

Loot Financial Services Ltd., based in London, provides current account services and contactless Mastercard offerings. Established in 2014, Loot combines a prepaid debit card with a budgeting application that allows users to manage their finances effectively. The app offers features such as weekly budgeting data, real-time spending information, and the ability to pause or unpause the card. By automating expense tracking, Loot simplifies financial management for its users. The company is also exploring business-to-business solutions aimed at customer acquisition and loyalty enhancement, while seeking strategic investors for a global launch.

Payworks is a provider of advanced Point of Sale (POS) payment gateway technology, headquartered in Germany with additional offices in the UK, the US, and Poland. The company specializes in enabling developers of POS solutions to seamlessly integrate card payment functionality into their applications, facilitating secure processing of EMV, contactless, and mobile wallet transactions. Payworks' cloud-based platform is designed to make card acceptance at the POS efficient and cost-effective, enhancing the payment experience for businesses. The company serves leading acquirers and payment providers worldwide and was acquired by Visa in July 2019.

Loot Financial Services Ltd., based in London, provides current account services and contactless Mastercard offerings. Established in 2014, Loot combines a prepaid debit card with a budgeting application that allows users to manage their finances effectively. The app offers features such as weekly budgeting data, real-time spending information, and the ability to pause or unpause the card. By automating expense tracking, Loot simplifies financial management for its users. The company is also exploring business-to-business solutions aimed at customer acquisition and loyalty enhancement, while seeking strategic investors for a global launch.

Credi2 develops and operates modern payment and financing solutions for banks, financial service providers, and trading companies. The company utilizes a proven technology platform that automates all processes, from initial customer engagement to the collection of outstanding claims. Credi2 collaborates with various institutions, including Volkswagen Bank, Deutsche Handelsbank, BLSK, Raiffeisen Bank International, and Erste Bank. A notable product offered to end customers is cashpresso, an app that allows users to pay expenses in flexible installments, enhancing the accessibility of credit options.

Curve is a digital wallet that consolidates multiple payment cards and accounts into a single, user-friendly platform, enhancing the way individuals manage their finances. Established in London in 2015, Curve allows users to store their cards digitally while providing features that actively save money during transactions. Its technology eliminates hidden foreign transaction fees, enables card switching even after a purchase, and allows users to earn rewards in addition to their existing card benefits. With authorization from financial regulators in the UK, EEA, and US, Curve has gained over 6 million customers worldwide and processes significant annual payment volumes. By merging traditional and digital banking functionalities, Curve positions itself as a leader in financial innovation, offering unique advantages that distinguish it from conventional digital wallets.

Iyzico is a company that specializes in providing secure payment management solutions tailored for online businesses across various industries. Their platform offers several key products, including iyziPos, a virtual point-of-sale solution with automated fraud prevention and high authorization-rate bank integrations; iyziBazaar, which manages marketplace payments; iyziLink, allowing customers to pay via link without needing a shopping site; and Buyer Protection, ensuring a secure shopping experience. The company's platform supports multiple payment options such as recurring payments, bin control, one-click payment, installment payments, and bank transfers, enabling e-commerce companies to start accepting payments on the same day of integration through a single application.

Iyzico is a company that specializes in providing secure payment management solutions tailored for online businesses across various industries. Their platform offers several key products, including iyziPos, a virtual point-of-sale solution with automated fraud prevention and high authorization-rate bank integrations; iyziBazaar, which manages marketplace payments; iyziLink, allowing customers to pay via link without needing a shopping site; and Buyer Protection, ensuring a secure shopping experience. The company's platform supports multiple payment options such as recurring payments, bin control, one-click payment, installment payments, and bank transfers, enabling e-commerce companies to start accepting payments on the same day of integration through a single application.

Payworks is a provider of advanced Point of Sale (POS) payment gateway technology, headquartered in Germany with additional offices in the UK, the US, and Poland. The company specializes in enabling developers of POS solutions to seamlessly integrate card payment functionality into their applications, facilitating secure processing of EMV, contactless, and mobile wallet transactions. Payworks' cloud-based platform is designed to make card acceptance at the POS efficient and cost-effective, enhancing the payment experience for businesses. The company serves leading acquirers and payment providers worldwide and was acquired by Visa in July 2019.

Iyzico is a company that specializes in providing secure payment management solutions tailored for online businesses across various industries. Their platform offers several key products, including iyziPos, a virtual point-of-sale solution with automated fraud prevention and high authorization-rate bank integrations; iyziBazaar, which manages marketplace payments; iyziLink, allowing customers to pay via link without needing a shopping site; and Buyer Protection, ensuring a secure shopping experience. The company's platform supports multiple payment options such as recurring payments, bin control, one-click payment, installment payments, and bank transfers, enabling e-commerce companies to start accepting payments on the same day of integration through a single application.