Visa

Doxa Holdings International is a fintech start-up helping connect buyers, suppliers, and financiers seamlessly through its best-in-class enterprise platform, Doxa Connex — a procurement, payment, financing, and analytics platform for the Built Environment (Construction, Engineering, Real Estate Developers). Officially incorporated in Jan 2019, it has grown more than twice in size since 2021 and serves customers across the world, with a regional focus in Southeast Asia. It has deep and significant partnerships with financial institutions and is also recognised as a Networked Trade Platform (NTP) Value Added Service, while being fully integrated with the InvoiceNow and PEPPOL invoicing network. Doxa closed its S$3m Pre-Series A round from financial institutions including VCs, public listed and logistics corporations, and obtained internationally recognised ISO27001 and ISO20000 certifications in 2022.

TerraPay is a mobile-first international payment network that facilitates the secure and seamless transfer of funds across borders. By interconnecting various financial services providers, including mobile wallet services, money transfer operators, banks, and payment platforms, TerraPay creates a unified network for transnational transactions. Its platform supports a wide range of services, including interpersonal transfers, e-payments, and government disbursements, and is designed to integrate easily with any mobile wallet provider through standard open APIs. As a fully regulated financial intermediary, TerraPay takes on comprehensive responsibilities that include regulatory compliance, foreign exchange management, and funds settlement, ensuring a reliable payment experience. The company's software solutions are tailored for mobile-focused remittances, enabling customers to send money quickly, safely, and affordably.

Car IQ’s cutting-edge payments platform eliminates the credit card completely and connects your vehicle directly to merchants to make secure payments. Car IQ integrates with existing tech stacks and uses telematics and vehicle data to provide fleets with detailed vehicle insights, enabling them to monitor each transaction and prevent fraud. Car IQ consolidates all transactions into a single ledger, reducing reconciliation and enabling fleets to manage their spending more effectively.

Sardine specializes in providing risk management solutions primarily for the financial services sector. They focus on using artificial intelligence and machine learning to help enterprises manage risks associated with fraud, credit, and compliance. The company aims to serve businesses in the digital economy by offering tools and services that enhance operational efficiency and ensure regulatory compliance.

Elevate Pay is a financial technology company that offers financial services and products. They also provide local and dollar cards, as well as a feature that allows them to receive free remittances.

The climate action solution from ecolytiq guides banks and financial service providers in channeling consumer demand for sustainability into new business growth. The ecolytiq product suite enriches traditional banking with embedded transaction-based footprinting, personalized climate insights, and access to environmental projects. This inspires more top of wallet behavior, resulting in more positive environmental impact for banks and their customers. ecolytiq is partnered with leading financial institutions globally, including Visa, TSYS, Worldline, Tink, Rabobank, and Vancity. ecolytiq is also a member of the Visa Fintech Partner Connect Programme, enabling banks to seamlessly implement comprehensive sustainability strategies.

Tipping Point Community is a clearinghouse for charitable donations. The company provides funds and infrastructure support to organizations that address and deal with the issues of education and youth development; employment and asset building; child and family wellness; and homelessness and housing assistance. It also provides legal expertise, technology upgrades and database implementation; fundraising; communications training; and strategic planning services. Tipping Point Community was founded by Daniel Lurie in 2005 and is headquartered in San Francisco, California.

Cart.com is the leading provider of comprehensive commerce and logistics solutions that unify commerce operations across channels and capabilities, enabling B2C and B2B companies to operate seamlessly across channels and sell and fulfill anywhere their customers are. Cart.com drives powers digital and physical commerce operations for over 6,000 customers, including some of the most beloved consumer brands and most complex B2B organizations. With over 1,000 employees, a team of AI and data scientists and 14 warehouses nationwide, our scale allows us to support middle market and enterprise level companies across industries.

Belvo is the open finance API platform that enables users to connect their accounts to an app. The platform lets financial innovators to access and interpret data from their end-users in an easy and scalable way. The company was founded in 2019 and is headquartered in Mexico City.

Currencycloud is a global payments platform built on smart technology that takes the complexity out of moving money. Developers use their API building blocks to build customized payment solutions. Whether you want to embed their payments infrastructure into your products or services, or build on top of it, they will fit into your business in a way that works for you. They take care of all the intricacies and regulatory hurdles involved with cross-border payments, giving you the tools to globalize your business.

BNS is a biotech company focused on the food sector that develops patented technologies based on the reuse of fresh organic waste. The company has a commercial presence in more than 10 countries globally and has the purpose of transforming the Agri-Food industry and optimizing the management of organic waste to improve the quality of life of consumers globally, with chemical-free alternatives, effectives and economically accessible.

Nium is a payments services company. It provides banks, payment vendors, and businesses with access to payment and card issuance services. Their platform, network, and APIs work together to accelerate business growth. They serve travel, marketplaces, financial institutions, payroll industries, and more. For more information, visit: https://www.nium.com

TAG is a mobile application that allows users to access an e-money account through a debit card. They provide a money transfer feature that helps to transfer money to any bank or wallet. They specialize in digital wallets and payment services.

LoginID is a cybersecurity company that adds biometrics security features to websites, applications, and eCommerce platforms. The company aims to be the global leader in protecting user identity, providing users secure control over personal information through a compliant decentralized network. LoginID’s solution solves these privacy and compliance issues with three key pillars: Strong Customer Authentication, Data Privacy, and Tokenization of PII. LoginID provides a wide range of APIs and SDKs which give enterprises the ability to integrate FIDO-certified authentication in as little as 15 minutes. With LoginID, companies can integrate and scale strong authentication at low costs, while ensuring compliance with PSD2 and GDPR regulations.

Remitly is a mobile payment service that enables consumers to conveniently make person-to-person international money transfers from the United States. Its online service is disrupting the $588 billion a year industry by using the latest technology and mobile devices to eliminate unnecessary forms, codes, agents, extra time, and fees tied to the traditional money transfer process. As a licensed money transmitter, Remitly currently operates in 49 states and Washington, D.C., and spends millions of dollars to thousands of customers each month. Remitly is backed by Stripes Group, DFJ, Vulcan Capital, QED, Trilogy Equity Partners, DN Capital, Founders Co-Op, Bezos Expeditions, and TomorrowVentures.

Since 2001, Volante has been focused on addressing the challenges of financial message integration and payments on-boarding, processing and orchestration. With a broad range of over 85 financial institutions and corporates as clients in 26 countries they provide the business agility needed to be competitive and thrive in the digital payments age by quickly dealing with the complexities of change, and taking advantage of business opportunities as they arise. All Volante products are born from a heritage of payments and financial message integration, and are rich with innovative functionality as a result of best practice driven R&D over the past 16 years. This means that their products coupled with their growing and maintained library of hundreds of international and domestic message standards plugins and transformations enable projects to be completed in months not years, or weeks not months, while insulating core systems from change.

Nium is a payments services company. It provides banks, payment vendors, and businesses with access to payment and card issuance services. Their platform, network, and APIs work together to accelerate business growth. They serve travel, marketplaces, financial institutions, payroll industries, and more. For more information, visit: https://www.nium.com

Built for entrepreneurs, by entrepreneurs As entrepreneurs our businesses are always in motion: starting from an idea, to making a first sale, to expanding globally. We need a financial experience that evolves with us – an experience that’s still stable and secure, but adaptive too. Banks were built for a different era of business, not for the new economy – where borders are disappearing and it’s easier than ever to start a global business. Neat believes in making international business a reality for entrepreneurs around the world. Today, Neat is a modern alternative to a bank, designed to support you wherever you go. Tomorrow, we’re a platform for doing business: building a dynamic and frictionless economy.

Gojek is an app that providing a variety of services from payments, food delivery, transportation, and logistics. The app is used for food ordering, commuting, digital payments, shopping, hyper-local delivery, getting a massage, and other services. It aims to create a positive socio-economic impact on customers, driver-partners, business, and MSMEs. Gojek is backed by investors including Google, Facebook, PayPal, Sequoia Capital, and Tencent Holdings. The company was founded in 2009 in Jakarta, Jakarta Raya, Indonesia by Kevin Aluwi, Nadiem Makarim, and Michaelangelo Moran.

Currencycloud is a global payments platform built on smart technology that takes the complexity out of moving money. Developers use their API building blocks to build customized payment solutions. Whether you want to embed their payments infrastructure into your products or services, or build on top of it, they will fit into your business in a way that works for you. They take care of all the intricacies and regulatory hurdles involved with cross-border payments, giving you the tools to globalize your business.

Interswitch is an Africa-focused integrated digital payments and commerce company that facilitates the electronic circulation of money as well as the exchange of value between individuals and organisations on a timely and consistent basis. The company started operations in 2002 as a transaction switching and electronic payments processing company that builds and manages payment infrastructure as well as deliver innovative payment products and transactional services throughout the African continent.

PayMate is a leader in B2B payments for Enterprise and SME across supply chains. The PayMate platform provides a comprehensive digital workflow tied to payments which enable greater control and transparency along with better cash flows and an end to end reconciliation for a superior experience for Enterprise and SME in closed-loop supply chains. PayMate works with leading Visa commercial card-issuing banks to facilitate credit for both payables and receivables across supply chains moving traditional cash, cheque and EFT to card streams with several built-in risk-mitigating benefits for banks and extended days payables for buyers. Platform features include Procure to Pay automation, credit evaluation, discount marketplace along with APIs for integration into existing accounts/ERP for minimal friction-based deployment. It is cloud-based and accessible across all form factors. PayMate has a presence in South Asia (India) and UAE and is actively expanding across CEMEA.

Verifi is a leading provider of global electronic payment and risk management solutions for card-not-present merchants. The highly customizable payment and real-time reporting platform serves as a foundation for Verifi's suite of fraud solutions and risk management strategies. With a commitment of reducing risk while increasing profitability for clients, Verifi's multi-layered approach enables transaction risk management and mitigation, business optimization strategies, cardholder authentication and chargeback representment for all major credit card brands. Verifi is a SaaS (Software-as-a-Service), PCI Level 1 certified and headquartered in Los Angeles, California.

El Zatona is a cloud-based retail management system that is designed to help merchants manage their businesses and increase their profits. Their platform integrations and continuous technical support to their customers will allow them to leverage offline stores and the exposure of e-commerce with efficient and synchronized stock management.

At Fawaterak, we believe that everyone should have access to tools that can help them run their business effectively. That's why we offer a range of services that can help merchants of all sizes get paid faster, manage their operations, and grow their businesses. With Fawaterak, merchants can: Accept credit and debit card payments quickly and securely Keep track of sales and inventory in real-time Manage customer relationships and create loyalty programs Access funding and other financial services to help them grow Comply with tax and eInvoice regulations Our Solutions include: Payment Terminals Point of Sale Systems Online Checkout (Payment links, invoices, and product links) Mobile App Administration eInvoice and eReceipt Systems

LISNR® powers transactions across the customer journey globally with the most advanced Ultrasonic Data Platform. Today, companies like Jaguar Land Rover, Ticketmaster, and Visa use this solution to create secure & frictionless moments for consumers around the world. Founded in 2012, LISNR is located in Oakland, CA and Cincinnati, OH. Major investors include Intel, Jump Capital, Mercury Fund, R/GA, and Synchrony Financial.

Bankable is an architect of innovative payment solutions for corporates, banks, and retailers. Their solutions – including e-wallets, m-wallets, remittance services, P2P money transfers, and prepaid card programs – are available in the form of white-label self-service platforms as well as via APIs.

Plaid is the technology platform providing the tools and access needed for the development of a fully modern, and digitally-enabled financial system. Plaid makes it easier and safer for developers from the smallest startups to the largest financial institutions to build innovative financial services and applications. Plaid offers beautiful consumer experiences, developer-friendly infrastructure, and intelligence tools that give everyone the ability to build the future of financial services. Plaid was launched by William Hockey and Zach Perret in 2012 and is headquartered in San Francisco, California.

Behalf offers automated payment solutions, including financing and net terms, to merchants and their customers. Behalf integrates seamlessly into a merchant's b2b sales and invoicing process or into an online checkout, and provides access to financing regardless of invoice or transaction size. Behalf pays merchants on day one, increasing sales and improving cash flow for both merchants and their business customers. To find out more about how Behalf is transforming the way businesses buy and sell, visit www.behalf.com.

Consumers that are financially vulnerable, overstretched but aspire for better have a need to better manage their finances. At Qpal we believe strengthening financial health and wellbeing can be achieved through an automated digital assistant. We're going to make managing money that little bit easier with our Open Banking powered tool, launching in 2021. Founded in 2016, Qpal has previously designed, developed and deployed mobile payment, merchant acceptance and AI-driven analytics solutions internationally.

Bridg is a customer data platform that empowers marketers to better understand and reach customers using SKU-level insights.

Klarna is an e-commerce payment solutions platform for merchants and shoppers. The platform gives customers the freedom to choose how and when to pay. The company also offers direct payments, pay-after-delivery options, and installment plans. Klarna is a regulated bank known for its “buy now, pay later” model, offering shoppers interest-free financing on retail purchases throughout installments. The Klarna app enhances the shopping experience by providing top retailers with flexible payment options and cashback rewards.

Marqeta is a modern card issuing platform that provides infrastructure and tools to help companies build and manage payment programs. With its open API, the Marqeta platform is designed for businesses that want a simple and tailored way of managing payment programs so that they can create experiences and power new modes of commerce. Marqeta is headquartered in Oakland, California. It operates in the United States, Canada, Europe, and Australia and is certified to process payments in 10 countries in APAC.

Visa Europe is a payment technology business that enables millions of European consumers, businesses, and governments to make electronic payments. Its members are responsible for issuing cards, signing up retailers, and deciding cardholder and retailer fees. Almost 80% of Visa Europe’s business is on debit cards. There are 466 million Visa cards in Europe while 1 Euro in every 6.75 Euros spent in Europe is on a Visa card. Despite the challenging economic climate, total spend by Visa cardholders grew by 8.0% to 1.3 trillion Euros. Visa Europe employs 1,700 people on a permanent basis. It is able to respond quickly to the specific market needs of European banks and their customers, cardholders and retailers, and to meet the European Commission’s objective to create an internal market for payments. Visa Europe has invested over 1 billion Euros in technology and infrastructure over the past six years, building a European payments platform from which to deliver the next generation of payment technologies. All its transactions are based on the international EMV chip standard, which provides cryptographic security for payments today. Visa Europe is owned and operated by member banks and other payment service providers from 36 countries across Europe. Founded in 2004, it is based in London, the U.K.

Chain, Inc. is an enterprise software company based in San Francisco, California, established in 2012. It specializes in developing cryptographic ledger systems designed to enhance the security and efficiency of financial services. The company's key offerings include the Chain Open Standard, an open-source blockchain protocol for large-scale financial applications, Chain Core, an enterprise-grade production node, and Chain Sandbox, a prototyping environment. Chain's technology allows organizations to securely track and transfer financial assets in a token format across both private and public networks, facilitating programmatic and peer-to-peer transfers of digital assets. Its clientele includes major financial institutions such as Visa, Nasdaq, and Citigroup, as well as emerging startups focused on innovative financial products.

Yub is the world’s first offline affiliate network. Yub enables retailers and restaurants to effortlessly track consumers from online clicks through to actual purchases, harnessing the power of the online affiliate model to drive in-store purchases on a massive scale. With no integration or upgrades needed from merchants and simple and easy to use offers for consumers, Yub is on the way to revolutionize the way brick-and-mortar stores reach more shoppers!

Inside Secure (formerly INSIDE Contactless S.A.), a fabless company, provides open-standard contactless payment and near field communication (NFC) semiconductors and software for payment, transit, identity, and access control applications. It offers contactless reader Interface Chips, service enabling NFC interface circuit, contactless payment platform, contactless memory chips, USB desktop contactless readers, and proximity and long range couplers. INSIDE Contactless also provides professional integration and adoption services, such as application development, packaging services, pre-personalization and personalization, and system integration. The company offers its products for use in smart cards, key fobs, mobile phones, handheld devices, POS, and PC peripherals. It serves payment card and mobile phone manufacturers, systems integrators, and financial institutions. Inside Secure was formerly known as INSIDE Contactless S.A. The company was founded in 1995 and is based in Aix en Provence, France. It has offices in Shanghai, China; Singapore, Singapore; Warsaw, Poland; Seoul, South Korea; San Francisco, California; and Boston, Massachusetts.

CyberSource is a global payment gateway and merchant services provider that specializes in electronic payment solutions for businesses. The company offers a comprehensive platform that manages the entire payment process, from acceptance and order screening to reconciliation and payment security. With a focus on maximizing sales and enhancing operational efficiency, CyberSource helps merchants simplify and automate their payment operations while effectively mitigating fraud and securing payment data. Operating internationally, including a presence in Tokyo, Japan, CyberSource aims to deliver industry-leading payment and risk management solutions tailored to the needs of merchants worldwide.

Ecrio provides optimized, standards compliant software clients and development resources to mobile phone service providers and device manufacturers for mobile commerce and real time communications. The Ecrio Mobile Communications Client Suite (MCCS) transforms everyday applications into communication-rich applications. The MCCS framework reduces the complexity and effort required to add rich communication functions to applications ranging from Voice and SMS to video telephony, content sharing, social communications and enterprise solutions. Applications running in common application environments, developed using standard SDK tools on a wide range of device types and platforms can be easily upgraded to communication-rich applications using the framework’s rich set of functions and its simple access methods. The Ecrio MCCS solves the challenges of enabling and sharing high-value and complex communication capabilities among multiple applications and devices, reducing the incremental effort, cost, and risk of deploying and using new LTE and IMS service capabilities. It accelerates application development resulting in more uses and optimized experiences expanding the individual value and market reach and achieving a higher value for the service capability investment.

dotMobi provides mobile and web technologies that enable clients to make their content work in a connected world. The company’s product portfolio includes DeviceAtlas, a device that provides detailed and up-to-date intelligence on mobile and web-enabled devices with high-speed APIs; goMobi, a mobile-first web publishing platform that allows individuals to create sophisticated web presences that work on any device; .mobi, a top level domain designed to let consumers know that a site works on a mobile phone; a range of developer tools; and more. dotMobi is a subsidiary of Afilias, a provider of internet infrastructure solutions that connect people to their data.

Epiphany Biosciences is developing both therapeutic products and diagnostic technologies that treat or prevent the spread of pathogenic viruses. Epiphany Biosciences is a privately-held company located in San Francisco, CA. To support its mission, Epiphany has assembled a world-class team of virologists, clinicians, and drug development experts with extensive pharmaceutical business experience to lead the company forward.

Nuance Communications (NASDAQ: NUAN) is a pioneer and leader in conversational AI innovations that bring intelligence to everyday work and life. The company delivers solutions that understand, analyze, and respond to people – amplifying human intelligence to increase productivity and security. With decades of domain and AI expertise, Nuance works with thousands of organizations globally across healthcare, financial services, telecommunications, government, and retail – to create stronger relationships and better experiences for their customers and workforce. For more information, please visit www.nuance.com.