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, a mobile-first international payment network, has been founded with the vision to send money to any mobile. TerraPay interconnects financial services providers -- mobile wallet service providers, money transfer operators, banks and payment platforms – to create a “one network” for secure and seamless transnational movement of funds. The network facilitates a broad transaction set including interpersonal transfers, e-payments and government disbursements. TerraPay is platform agnostic and supports standard open APIs for integration with any mobile wallet provider. Through a single connection, partners gain access to a global payment network enabling rapid services up-scaling whilst minimizing Opex and Capex investments. As a fully regulated financial intermediary services network, TerraPay offers services beyond principal core transaction, routing and processing functions and assumes end-to-end responsibility for, regulatory compliance foreign exchange management and funds settlement.

Tarabut Gateway, a disruptor in its own right, is the first and only licensed Open Banking platform (AISP/ PISP) in the MENA region. By developing a single universal open banking API, Tarabut Gateway provides access to a global network of banks and FinTechs that allows money and information to flow securely, instantly, and at a low cost. Having been the first to obtain an AISP & PISP license in the Middle East and North African region, Tarabut Gateway is transforming the MENA financial services landscape by introducing new revenue streams to financial institutions and allowing Fintech to test & monetize on their solutions.

Car IQ Inc. is a company that has created a cloud-based vehicle management platform and payment gateway tailored for auto dealer groups, car sharing services, and autonomous vehicles. Established in 2016 and located in San Francisco, California, Car IQ offers an innovative automotive payment solution that allows vehicles to autonomously initiate payments for various services, including tolls, fuel, and parking, without the need for credit cards. The technology relies on a patented machine identity verification process, enabling vehicles to connect directly to payment networks and service providers. This platform leverages sensor data from the vehicle to facilitate seamless transactions and enhance the overall management of automotive services.

FinTech, RegTech, Fraud Operating System

Helping consumers understand their ecological impact & financial institutions to sustainably grow their business.

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 a fully integrated ecommerce platform helps brands and distributors of all sizes move faster, grow larger, and deliver on their promises more completely.

TRM Labs is a regulatory technology startup that aims to streamline compliance in the crypto industry.They believe that blockchain can enable a world where value flows freely by democratizing the creation of property rights, reducing transaction, bargaining, and coordination costs, and enabling new ways to organize human behavior.

Belvo Technologies, Inc. is a financial technology company that has developed an open banking application programming interface (API) platform designed to facilitate access to banking and fiscal information. Founded in 2020 and based in Dover, Delaware, Belvo's platform enables businesses to retrieve various financial data, including bank account statements, historical transactions, account ownership details, and tax information. This developer-first API is aimed at enhancing the creation of more efficient and inclusive financial products in Latin America, streamlining the entire process from client registration to data retrieval.

Basiq Pty Ltd provides open banking API platform. The company offers access to financial data, real time banking data, and account and transaction data through the set of APIs. It also provides SDKs, documentation, and sandbox environment to help APIs to integrate with application. Additionally the company offers secure environment, multi-factor authentication, restricted network access, data encryption, secure development practices, and real time monitoring. Basiq Pty Ltd was founded in 2016 and is headquartered in Sydney, Australia.

Winrock International is a development with a focus on social, agricultural and environmental issues.

OnlinePajak (http://www.online-pajak.com/id/) is all in one application to handle corporate taxes & administration faster & easier. OnlinePajak has a mission to increase tax collection & remove corporate administration and taxes burden with 3 simple steps: prepare, pay & file taxes online in seamless integrated application.

Jumo World Limited operates a mobile money marketplace that connects private individuals, small businesses, and mobile network operators to a range of financial products. Founded in 2010 and based in Cape Town, South Africa, the company leverages advanced data science and machine learning to offer innovative financial services, including savings, loans, and insurance, particularly for entrepreneurs in emerging markets across Africa and Asia. Jumo's platform facilitates access to these services through partnerships with mobile network operators, enabling users to build financial identities based on their mobile behavior. By creating a digital banking solution that is cost-effective and responsible, Jumo aims to empower users with unprecedented financial choices, ultimately fostering economic growth and prosperity.

Deserve, Inc. is a financial services company based in Menlo Park, California, that specializes in providing credit cards and financial products to international students in the United States. Founded in 2012 and rebranded from Tremus, Inc. in 2017, Deserve utilizes a unique approach to assess creditworthiness by considering factors beyond traditional credit history, such as education, major, cost of education, initial funding sources, and future employability. This innovative method addresses the challenges faced by young individuals who often lack a credit history, thereby enabling them to access fair credit opportunities. Deserve's compliance framework adheres to stringent legal standards, incorporating enhanced identity verification and consistent lending practices to ensure security. The company's streamlined process from application to account management is designed to be simple and efficient, reflecting its commitment to helping customers achieve financial independence.

Plant Squad is an online platform that offers plant-based foods.

Currencycloud is a global payments platform that simplifies the process of moving money across borders. It offers businesses an API-based infrastructure that allows developers to create customized payment solutions tailored to their specific needs. The platform facilitates seamless transactions in multiple currencies, providing automated end-to-end payment processes, collection and conversion services, and digital currency management. By handling the complexities and regulatory requirements of cross-border payments, Currencycloud enables clients to integrate financial services into their operations, empowering them to operate more effectively in the digital economy.

Suyana is a technology-driven company that delivers climate insurance for farmers. It develops innovative solutions, based on the use of technological tools, focused on farmers' needs. The company seeks to create inclusive products for small and medium farmers.

ClearLeaf uses patent-pending technology, organic certified in the EU and Japan, to control and manage a wide range of harmful pests while maintaining natural balances on the farm, protecting farmers and consumers. ClearLeaf currently has pre- and post-harvest solutions for the coffee, banana, multiple vegetables, melon, sugar cane, strawberries and flower sectors. GotaBlanca® is currently sold online in Costa Rica since launching its direct sales program in 2020. Our first product line, GotaBlanca®, is a line of non-toxic contact-action liquid emulsions that uses surface chemistry and colloidal technology to enhance plant growth through the control and management of fungal and bacterial diseases.

Nium is an advanced payments platform redefining the way consumers and businesses send, spend, and receive funds across borders. Nium’s goal is to make the movement of money seamless through being a universal plug for financial services. The company uses agile, elegant, and modular solutions for complex business problems. Be it an Individual, new-age digital bank, or a traditional industry behemoth, Nium pride itself on creating financial infrastructure for every level of sophistication​.​ Nium has created a payment mesh in Asia, which is being leveraged by individuals and corporates. The company also offers a configurable, multi-featured platform MassPay that helps corporate and SME users to manage and control their high-volume remittances to multiple beneficiaries in multiple currencies via a seamless process, enabling them to reduce cross-border money transfer costs by up to 80%. The company is licensed in the EU, Australia, Canada, Hong Kong, Malaysia, India, and Singapore. It is backed by marquee investors such as Vertex Ventures, Fullerton Financial Holdings, Global Founders Capital, GSR Ventures, and SBI-FMO Ventures. Its services and business model have been recognized on prestigious platforms such as Singapore Fintech Festival and India Fintech Awards in 2017.

Tink AB, founded in 2012 and headquartered in Stockholm, Sweden, operates as a cloud-based open banking platform that enhances financial services through its infrastructure and data products. The company offers a mobile application that allows users to track personal finances, manage money across various accounts, transfer funds, pay bills, and establish personal budgets. Key features of the application include transaction categorization, spending insights, and daily analyses. Additionally, Tink provides products such as account aggregation, payment initiation, and data enrichment, which can be utilized for standalone services or integrated into existing banking applications. The company's partnerships with major financial institutions, including ABN AMRO, BNP Paribas Fortis, Nordea, Klarna, and SEB, further bolster its position in the financial technology sector.

LoginID Inc. is a Toronto-based company founded in 2018 that specializes in secure biometrics software. It aims to be a global leader in user identity protection by providing individuals with secure control over their personal information through a decentralized network. The company's platform addresses critical issues in authentication, data privacy, and the tokenization of personally identifiable information (PII). LoginID's solutions are designed to combat weak authentication methods, centralized data storage vulnerabilities, and the regulatory compliance challenges faced by businesses. With an increasing number of countries implementing privacy regulations, LoginID assists companies in navigating the complexities of compliance, particularly in relation to emerging standards like GDPR and CCPA.

Remitly Global, Inc. is a digital remittance company that facilitates international money transfers through its extensive global network, serving regions such as Africa, Asia, Central Europe, and South America. The company offers a mobile payment service that allows users to send money from the United States, Canada, and the United Kingdom using various digital devices. Remitly aims to disrupt the traditional money transfer industry, which is valued at $588 billion annually, by employing advanced technology to streamline the process and reduce fees. As a licensed money transmitter, Remitly operates in 49 states and Washington, D.C., generating revenue primarily from transaction fees and foreign exchange spreads. Founded in 2011 and headquartered in Seattle, Washington, Remitly also maintains offices in London, Manila, and Nicaragua.

Greenwood Bank is a digital banking platform for Black and Latinx people and business owners. It features best-in-class digital banking services and innovative ways of giving back to the community. The company's initial products are savings and spending accounts that come with a stunningly designed black metal debit card for customers who sign up by the end of the year. Greenwood Bank was founded in 2020 and is based in Atlanta, GA, USA.

Klarna Bank AB, founded in 2005 and headquartered in Stockholm, Sweden, specializes in providing payment and shopping solutions for consumers and merchants both online and in-store across several countries, including Sweden, Germany, Austria, Switzerland, and Norway. The company offers a variety of payment options, such as card payments, direct banking, and innovative solutions like "buy now, pay later," which allows consumers to finance purchases interest-free over installments. Klarna's services extend to merchants, providing technology, credit risk management, and customer administration solutions to enhance their eCommerce capabilities. As a regulated bank, Klarna is recognized for its flexible payment solutions that empower shoppers to choose how and when they pay, thereby improving the overall shopping experience.

Minna Technologies, established in 2016, is a FinTech company that specializes in subscription management solutions for retail banks. As an EBA authorized partner, it provides Account Information Service Provider (AISP) and Payment Initiation Service Provider (PISP) capabilities. The company aims to enhance customer experience by enabling banks to offer effective management of subscriptions to their clients. Minna Technologies operates in six European markets and currently supports 18.7 million active digital banking users, demonstrating its significant impact on the financial services sector.

YellowPepper is a pioneering company in Latin America specializing in mobile banking and payment solutions. Founded in 2004 and headquartered in Miami, Florida, it operates throughout several countries, including Mexico, Colombia, Ecuador, and Peru, with plans to expand into Brazil. The company develops a digital finance platform that enables banks, mobile network operators, merchants, and consumers to access a comprehensive payment ecosystem. Its offerings include a white-labeled mobile payment platform that supports various operating systems and communication protocols, such as NFC, BLE, and QR codes, facilitating cashless transactions. Additionally, YellowPepper provides an m-banking suite that helps banks adapt to the evolving needs of their clients. Backed by Visa and having received the first equity investment from the International Finance Corporation for a mobile financial company in Latin America, YellowPepper combines extensive market knowledge with advanced payment technology to enhance the purchasing experience across the region.

Global Processing Services Limited is a payments processor that manages credit, debit, and prepaid card transactions globally. Founded in 2007 and headquartered in Douglas, Isle of Man, the company provides its services primarily to fintech firms in the payment industry. Its key offering, the GPS Apex platform, is designed for secure and reliable transaction processing, allowing for seamless integration with clients, issuers, program managers, card manufacturers, and other service providers. GPS Apex supports innovation in the payments sector through its proprietary technology, helping to drive advancements in the industry.

MagicCube, Inc. is a technology company based in Sunnyvale, California, founded in 2014. The company focuses on securing data exchange between devices and the cloud, primarily targeting mobile applications that handle sensitive user data, such as banking and shopping apps. Its platform, which utilizes Software Defined Trust (SDT) and TEE-based technology, offers device-independent security solutions that protect against various forms of attacks, including those on devices, in the cloud, and across networks. By embedding its software into existing applications, MagicCube enables secure digital transactions across a wide range of devices and operating systems, facilitating large-scale deployment and management of IoT and mobile security solutions.

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.

MagicCube, Inc. is a technology company based in Sunnyvale, California, founded in 2014. The company focuses on securing data exchange between devices and the cloud, primarily targeting mobile applications that handle sensitive user data, such as banking and shopping apps. Its platform, which utilizes Software Defined Trust (SDT) and TEE-based technology, offers device-independent security solutions that protect against various forms of attacks, including those on devices, in the cloud, and across networks. By embedding its software into existing applications, MagicCube enables secure digital transactions across a wide range of devices and operating systems, facilitating large-scale deployment and management of IoT and mobile security solutions.

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.

Nium is an advanced payments platform redefining the way consumers and businesses send, spend, and receive funds across borders. Nium’s goal is to make the movement of money seamless through being a universal plug for financial services. The company uses agile, elegant, and modular solutions for complex business problems. Be it an Individual, new-age digital bank, or a traditional industry behemoth, Nium pride itself on creating financial infrastructure for every level of sophistication​.​ Nium has created a payment mesh in Asia, which is being leveraged by individuals and corporates. The company also offers a configurable, multi-featured platform MassPay that helps corporate and SME users to manage and control their high-volume remittances to multiple beneficiaries in multiple currencies via a seamless process, enabling them to reduce cross-border money transfer costs by up to 80%. The company is licensed in the EU, Australia, Canada, Hong Kong, Malaysia, India, and Singapore. It is backed by marquee investors such as Vertex Ventures, Fullerton Financial Holdings, Global Founders Capital, GSR Ventures, and SBI-FMO Ventures. Its services and business model have been recognized on prestigious platforms such as Singapore Fintech Festival and India Fintech Awards in 2017.

Neat Limited, founded in 2015 and based in Wan Chai, Hong Kong, operates a financial application that enables users to open mobile current accounts. The company provides a prepaid MasterCard known as the Neat Card, which facilitates payments in multiple currencies at various merchants globally. Neat offers tailored products for businesses, including dedicated Hong Kong bank account numbers, an online finance management dashboard, and expense cards for employees. For personal users, Neat provides mobile current accounts, ATM cards, and online money transfer capabilities. Designed with entrepreneurs in mind, Neat aims to offer a modern alternative to traditional banking, addressing the needs of a globalized economy and supporting seamless international business transactions.

Railsbank Technology Ltd develops an API banking and compliance technology platform that connects together a global network of partner banks with companies. The platform provides companies with access to wholesale banking services in five lines of code. It enables users to create bank accounts, streamline technical integration with banks, and connect to payment schemes to receive and send money to/from these accounts. Railsbank Technology Ltd was founded in 2016 and is based in London, United Kingdom with additional offices located in Singapore, Lithuania, Luxembourg, Vietnam, and Sri Lanka.

Gojek, founded in 2010 and headquartered in Jakarta, Indonesia, operates as a Super App that offers a wide range of services, including food delivery, transportation, digital payments, shopping, and various on-demand services. Launched in 2015, the Gojek app has rapidly become the largest consumer transactional technology platform in Southeast Asia, driven by its focus on speed, innovation, and social impact. The company aims to empower the informal sector in the region while serving diverse markets such as transport, logistics, food, and entertainment. Gojek has established itself as a leading player in the on-demand economy, contributing significantly to the growth of digital services in Southeast Asia.

ChargeAfter Ltd is a financing technology platform that specializes in Point of Sale financing. Founded in 2017 and headquartered in Ramat Gan, Israel, with additional offices in Sunnyvale, California, and New York, the company connects lenders with merchants to create a global financing network. This platform enables merchants to provide consumers with personalized financing options at checkout from multiple lenders, facilitating real-time financial solutions that enhance the purchasing experience. ChargeAfter's innovative approach aims to streamline the financing process, making it more accessible for consumers while supporting merchants in offering diverse payment solutions.

Currencycloud is a global payments platform that simplifies the process of moving money across borders. It offers businesses an API-based infrastructure that allows developers to create customized payment solutions tailored to their specific needs. The platform facilitates seamless transactions in multiple currencies, providing automated end-to-end payment processes, collection and conversion services, and digital currency management. By handling the complexities and regulatory requirements of cross-border payments, Currencycloud enables clients to integrate financial services into their operations, empowering them to operate more effectively in the digital economy.

Flutterwave provides a payment service for global merchants and payment service providers. It provides technology, infrastructure, and services to enable global merchants, payment service providers, and helps banks and businesses build secure and seamless payment solutions for their customers by smoothening the exchange of funds. The company was founded in 2016 by Iyinoluwa Aboyeji and Olugbenga Agboola and is headquartered in San Francisco, California.

NovoPayment Inc. operates a cloud-based platform that provides financial and transactional services, specializing in Banking-as-a-Service solutions. The company offers mass payout and cash-in services, alongside a White-Label Platform-as-a-Service and open banking/API offerings tailored for banks and financial institutions. Founded in 2004 and based in Miami, Florida, NovoPayment has expanded its presence with offices in Mexico City, Bogota, Lima, and Quito. Its platform supports a diverse range of financial service use cases across multiple countries and currencies, boasting over 72 deployments and reaching more than 2.5 million end users. NovoPayment's innovative contributions to digital transformation have been recognized with awards for customer experience and disruptive innovation in financial services, underscoring its commitment to enhancing banking operations in the Americas.

Interswitch is an integrated digital payments and commerce company focused on the African market. Established in 2002, it specializes in facilitating electronic money circulation and value exchange between individuals and organizations. The company has evolved from a transaction switching and electronic payments processing entity to a provider of comprehensive payment infrastructure and innovative transactional services across the continent. Interswitch's aim is to enhance the efficiency and accessibility of payment solutions, contributing to the growth of digital commerce in Africa.

PayMate is a prominent player in B2B payments, catering to enterprises and small to medium-sized enterprises (SMEs) within supply chains. The platform delivers a digital workflow that enhances control and transparency in payments, improving cash flows and facilitating end-to-end reconciliation. By collaborating with major Visa commercial card-issuing banks, PayMate allows businesses to transition from traditional payment methods like cash and cheque to card-based transactions, offering various risk-mitigating advantages and extended payment terms for buyers. Key features of the platform include Procure to Pay automation, credit evaluation, and a discount marketplace, supported by APIs for seamless integration with existing accounting and ERP systems. Accessible across multiple devices, PayMate operates primarily in South Asia (India) and the UAE, with plans for further expansion into the CEMEA region. The company's solutions also empower clients to automate vendor payments, customer payments, invoicing, and cash flow management, thereby creating a comprehensive ecosystem for digital transactions.

Finix Payments, Inc. is a San Francisco-based company that provides a payment infrastructure platform designed to help businesses manage and monetize their payment processes effectively. Founded in 2015, Finix offers a range of services, including a payment facilitator platform that includes features such as tokenization, merchant onboarding, reporting, reconciliation, settlements, and chargeback management. The company enables businesses to avoid the complexities and costs associated with developing an in-house payment system. Additionally, through a partnership with Visa, Finix facilitates real-time push-to-card payments, enhancing the efficiency of disbursements. Finix's solutions aim to improve the payment experience for both businesses and their customers, recognizing the critical role that effective payment technology plays in driving revenue.

Anchorage is the first crypto-native Qualified Custodian for institutional investors, offering a comprehensive platform complete with trading, staking, and governance. Co-founded by security engineers from Square and Docker, Anchorage has raised $57 million in funding from such leading investors as Visa and Andreessen Horowitz, and counts as clients many of crypto’s largest and best-known funds, including Blockchain Capital, BlockTower, Polychain, and Paradigm. It was founded in 2017 and is headquartered in San Francisco, California.

Payworks is the provider of a next generation Point of Sale payment gateway technology. With Payworks technology, developers of Point of Sale solutions for merchants can quickly and cost-efficiently integrate card payment functionality into their applications, and securely process EMV, contactless and mobile wallet transactions at the Point of Sale. With headquarters in Germany and offices in the UK, the US and Poland, Payworks provides its technology to leading acquirers and payment providers globally. Payworks was acquired by Visa in July 2019.

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.

Rambus - Payments and Ticketing are at the forefront of tokenization technology.

Bell ID develops chip lifecycle management software that provides mobile payments software for issuing and managing credentials on smartphones, smart cards, and connected devices. Bell ID was founded in 1993 and it is based in Rotterdam, Netherlands. The company was acquired by Rambus on January 25, 2016.

Developer of a cloud-based retail-management system designed to automate sales. The company's platform offers stock management, sales, purchase tracking and real-time insights, enabling clients to increase business operations efficiency.

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.

Minna Technologies, established in 2016, is a FinTech company that specializes in subscription management solutions for retail banks. As an EBA authorized partner, it provides Account Information Service Provider (AISP) and Payment Initiation Service Provider (PISP) capabilities. The company aims to enhance customer experience by enabling banks to offer effective management of subscriptions to their clients. Minna Technologies operates in six European markets and currently supports 18.7 million active digital banking users, demonstrating its significant impact on the financial services sector.

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 a global 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 programmes – are available in the form of white-label self-service platforms as well as via APIs. Their proprietary software assets help organisations streamline their payment processes while unlocking new revenue opportunities. While banks and retailers can quickly launch new corporate or retail financial products, their “Banking as a Service” approach enables any organisation with a large customer base to offer light banking services to their customers.

Branch International Inc. is a digital lending company founded in 2015 and headquartered in San Francisco, California, with additional offices in Mumbai, Nairobi, Mexico City, and Lagos. The company leverages smartphone data to assess creditworthiness, allowing consumers in emerging markets to access personal loans through its Android application. By utilizing data science, Branch aims to reduce the cost of financial services and provide fair access to banking options, particularly for the growing middle class. The platform offers a quick approval process for loans, enabling users to build credit irrespective of their banking history and navigate the barriers posed by traditional financial institutions. Branch is committed to driving meaningful growth in rapidly evolving markets and has raised over $100 million in funding from notable investors in Silicon Valley.

Earthport plc is a global financial services company providing a cross border payments service in over 50 countries and territories worldwide.

BillDesk, founded in the early 2000s by IndiaIdeas.com Ltd., specializes in electronic payment and collections services aimed at simplifying the bill payment process for consumers. The company offers a comprehensive payment platform that facilitates online payments across various channels and methods. By providing tools for organizing and managing payments, BillDesk enables users to navigate the complexities of traditional bill payment services with greater ease and efficiency. Its focus on leveraging electronic mediums allows customers to make payments in a seamless and frictionless manner, enhancing their overall payment experience.

Conductor Tecnologia S.A. is a prominent payments processor and banking-as-a-service provider based in São Paulo, Brazil. Founded in 1997, the company specializes in credit card and electronic payment processing, along with collection and billing services for third parties. Leveraging its proprietary API-based digital processing platform, Conductor serves nearly 250 corporate clients across various industries, processing over $20 billion annually. The company manages approximately 29 million active and 80 million total end customer payment accounts, facilitating transactions at more than 2.5 million points of sale throughout Latin America. Its comprehensive suite of services empowers clients to offer efficient payment solutions to their customers.

Paystack Payments Limited is a technology company that provides payment processing services to businesses across Africa. Founded in 2015 and headquartered in Lagos, Nigeria, with an additional office in San Francisco, California, Paystack offers an online payment gateway that enables merchants to accept various forms of payment, including credit and debit cards, money transfers, and mobile money. The platform facilitates online transactions for a diverse range of clients, including entrepreneurs, corporates, fintech companies, schools, and betting businesses, allowing them to receive funds from customers worldwide. By streamlining payment acceptance, Paystack aims to enhance the financial ecosystem for businesses in the region.

Paidy Inc. is a Tokyo-based company that offers a cardless payment platform for online shopping. Founded in 2008 and formerly known as Exchange Corporation K.K., Paidy allows consumers to make purchases using just their name and email address, eliminating the need for credit cards or pre-registration. The service is designed for mobile and instant-checkout, enabling users to buy online and settle their payments through a consolidated monthly bill. Paidy employs proprietary technology to assess creditworthiness, underwrite transactions, and ensure payment to merchants. This innovative approach caters to Japanese consumers who prefer not to use credit cards, thereby helping online vendors enhance their conversion rates, increase average order values, and encourage repeat purchases.

Behalf, Inc. operates as a financing provider which facilitates commerce between business to business merchants and their business customers. The company allows merchant partners to offer business customers instant credit and flexible payment terms at the point of sale. It also provides working capital solutions for small businesses and flexible financing for business purchases. Behalf, Inc. was founded in 2011 and is headquartered in New York, New York. The company has additional offices in Tel Aviv, Israel

Growsel is an award-winning nonprofit agricultural crowdfunding organization that connects underserved Base of the Pyramid smallholder farmers with lenders around the world to alleviate poverty. A nonprofit agricultural technology organisation connecting under financed smallholder farmers with lenders through crowdfunding to alleviate poverty Founded in 2017, Growsel has vigorously pursued its mission of "changing lives and creating opportunities" for financially excluded smallholder farmers who cannot reconcile their economic realities with the enormous potentials in their local communities, thereby helping them upscale their subsistence agriculture, a feat which saw it win the 2018 Visa Everywhere Initiative Award for Financial Inclusion and The Problem There are estimated 500 million smallholder farming households globally, (representing 2 billion people) relying to various degrees on subsistence agricultural production for their livelihoods. This group represents the largest proportion of the world's poor living on less than $2 a day. The solution An agricultural crowdfunding platform that connects underserved Base of the Pyramid smallholder farmers in developing economies with lenders around the world to alleviate poverty. Mission Statement Passionately using technology and peer-to-peer micro-lending towards changing lives and creating opportunities for financially excluded and underserved Base of the Pyramid smallholder farmers across developing world. Our Vision Alleviate poverty with small seeds, big impact Our Our Mission Changing lives, creating opportunities Global Award & Recognition Sub-Saharan African Financial Inclusion Award by Visa Everywhere Initiative Farmers Life Changer Award by Joint Farmers Community Initiative NetSuite Social Impact Software Donation for Growing Social Enterprises by Oracle Lend as little as $20 to to alleviate poverty today. Visit www.growsel.org to learn more Remember its alway small seeds, big impact!

MOOKH Enabling seamless and hassle free payments from consumers directly to their favorite merchants, with direct plugins for website and social media integration.

Liuv is an app that integrates payment and loyalty programs making it easier for consumers, guarantying that merchant’s loyalty campaigns are more efficient and promotions reaches the desired customers. It increases revenue and optimizes the costs of establishments besides generating consumption profile information.

Briskly designs and develops self-service trading platform for stores and restaurants. Its application provides contactless payment services. Briskly was incorporated in 2004 and is based in Moscow, Russia.

YellowPepper is a pioneering company in Latin America specializing in mobile banking and payment solutions. Founded in 2004 and headquartered in Miami, Florida, it operates throughout several countries, including Mexico, Colombia, Ecuador, and Peru, with plans to expand into Brazil. The company develops a digital finance platform that enables banks, mobile network operators, merchants, and consumers to access a comprehensive payment ecosystem. Its offerings include a white-labeled mobile payment platform that supports various operating systems and communication protocols, such as NFC, BLE, and QR codes, facilitating cashless transactions. Additionally, YellowPepper provides an m-banking suite that helps banks adapt to the evolving needs of their clients. Backed by Visa and having received the first equity investment from the International Finance Corporation for a mobile financial company in Latin America, YellowPepper combines extensive market knowledge with advanced payment technology to enhance the purchasing experience across the region.

solarisBank AG develops a banking platform. Its platform enables startups, fintechs, and established digital companies to create custom solutions for their unique financial needs. The company also provides various compliant payment services, including e-money issuing and escrow solutions; support services for account creation and maintenance, and transaction services, as well as deposit and credit business. solarisBank AG is based in Berlin, Germany.

Payworks is the provider of a next generation Point of Sale payment gateway technology. With Payworks technology, developers of Point of Sale solutions for merchants can quickly and cost-efficiently integrate card payment functionality into their applications, and securely process EMV, contactless and mobile wallet transactions at the Point of Sale. With headquarters in Germany and offices in the UK, the US and Poland, Payworks provides its technology to leading acquirers and payment providers globally. Payworks was acquired by Visa in July 2019.

Fraedom Holdings Limited develops travel and expense management solutions for organizations globally. Founded in 1999 and based in London, the company has expanded its presence with offices in the United States, Australia, New Zealand, Singapore, China, and Canada. Formerly known as Spendvision Holdings Limited, it rebranded to Fraedom in February 2015. The company specializes in transaction management services that help banks enhance the value of their commercial card programs. As of March 2018, Fraedom operates as a subsidiary of Visa International Holdings Limited.

Qpal is a fintech company established in 2016 that specializes in reducing customer churn in the telecommunications sector by utilizing AI technology and Open Banking for enhanced customer profiling. The company has developed a gateway platform that integrates digital payment solutions and contactless technology, facilitating a cashless experience for merchants and their customers. Qpal's offerings include mobile payment systems, merchant acceptance solutions, and AI-driven analytics, all designed to streamline transactions and improve the overall customer experience while minimizing the costs associated with traditional cash handling. Through its innovative approach, Qpal aims to transform the way businesses manage payments and customer interactions.

Bridg.com provides marketing automation solutions for local businesses. It offers customer engagement solutions that enable users to capture and nurture customers, engage existing customers, and control reputation, as well as acquisition of campaigns and promotions. The company also provides services for marketing campaigns, including publishing posts and offers on various social networks, and monitoring the competitors to guide campaigns; and toolbox that enables users to gather customer information. Bridg.com is based in Los Angeles, California.

Klarna Bank AB, founded in 2005 and headquartered in Stockholm, Sweden, specializes in providing payment and shopping solutions for consumers and merchants both online and in-store across several countries, including Sweden, Germany, Austria, Switzerland, and Norway. The company offers a variety of payment options, such as card payments, direct banking, and innovative solutions like "buy now, pay later," which allows consumers to finance purchases interest-free over installments. Klarna's services extend to merchants, providing technology, credit risk management, and customer administration solutions to enhance their eCommerce capabilities. As a regulated bank, Klarna is recognized for its flexible payment solutions that empower shoppers to choose how and when they pay, thereby improving the overall shopping experience.

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.

CardinalCommerce is the pioneer and global leader in authenticating consumer payments online. They operate the largest interoperable authentication network in the world which spans across various card network protocols, merchants, and Financial Institutions.

Visa Europe Limited operates as a payments technology company that connects consumers, businesses, financial institutions, and governments worldwide. The company manages a range of payment products under the Visa brand. It operates VisaNet, a processing network that handles transaction messages a second with fraud protection for consumers and assured payment for merchants. The company was incorporated in 2004 and is headquartered in London, the United Kingdom. Visa Europe Limited is a subsidiary of Visa Inc.

In all thumbzup's endeavors, services, products and strategic execution they will strive to deliver to you, a combination of the following; speed, agility, simplicity, relevance and responsiveness. They are not led by market opportunity. Things that are cool to us are instantiated from conviction and organic belief. Their focal point is not technology, it is humanity.

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.

MagicCube, Inc. is a technology company based in Sunnyvale, California, founded in 2014. The company focuses on securing data exchange between devices and the cloud, primarily targeting mobile applications that handle sensitive user data, such as banking and shopping apps. Its platform, which utilizes Software Defined Trust (SDT) and TEE-based technology, offers device-independent security solutions that protect against various forms of attacks, including those on devices, in the cloud, and across networks. By embedding its software into existing applications, MagicCube enables secure digital transactions across a wide range of devices and operating systems, facilitating large-scale deployment and management of IoT and mobile security solutions.

Stripe, Inc. is a technology company that develops application programming interfaces (APIs) and tools for businesses to accept and manage online payments. Its offerings include a comprehensive suite of products such as Payments for payment processing, Subscriptions for managing recurring billing, and Stripe Connect for routing and payouts to third parties. Additionally, Stripe provides tools like Stripe Radar for fraud detection, Stripe Elements for customizable payment forms, and Stripe Checkout for seamless payment acceptance across devices. The company supports various international credit and debit cards and serves a diverse clientele, including e-commerce, B2B platforms, and non-profits across several countries, including the United States, Canada, the United Kingdom, and Australia. Founded in 2010 and headquartered in San Francisco, California, Stripe aims to enhance the economic infrastructure of the internet, facilitating growth for businesses of all sizes. The company also addresses financing challenges for online businesses through Stripe Capital, which offers fast and flexible funding solutions.

TrialPay, Inc. specializes in cross-platform monetization solutions, allowing customers to pay for one item by trying or purchasing another. Founded in 2006 and headquartered in Mountain View, California, with an additional office in Berlin, Germany, the company offers tools such as Evergreen, which helps developers create custom monetization strategies and connect with customers across various platforms, including the Web, mobile, and social networks. TrialPay's system facilitates free trials and promotional offers for merchants, enabling them to engage users through deals with advertising partners. As of March 2015, TrialPay operates as a subsidiary of Visa Inc.

DocuSign, Inc. is a cloud-based software company that specializes in electronic signature solutions, enabling users to prepare, execute, and manage agreements digitally. Its platform automates various manual and paper-based processes, facilitating identity management, authentication, digital signatures, and workflow automation across multiple devices. The company offers a range of services, including DocuSign CLM for automating agreement workflows, Intelligent Insights for analyzing legal documents, and tailored industry-specific solutions such as Rooms for Real Estate and FedRAMP for U.S. federal agencies. Additionally, DocuSign provides training and support to its clients, which span small- and medium-sized businesses, enterprises, and individual users across various sectors, including finance, healthcare, and government. Founded in 2003 and headquartered in San Francisco, DocuSign has expanded its operations internationally with offices in cities such as London, Sydney, and Dublin.

LoopPay, Inc. is a mobile wallet platform that allows consumers to make payments and store various types of cards on their smartphones. The company's offerings include the LoopPay application for storing payment, loyalty, and gift cards, as well as devices such as the LoopPay Fob and ChargeCase, which enable mobile credit card transactions at retail locations. Utilizing patented Magnetic Secure Transmission (MST) technology, LoopPay allows users to make secure payments at over 10 million locations in the United States by turning existing magnetic stripe readers into contactless payment terminals, without incurring costs for merchants. The LoopPay app provides a convenient and secure way for users to manage all their cards, ensuring data protection with password and PIN security. Founded in 2006 and based in Burlington, Massachusetts, LoopPay was previously known as ACT Merchant Services and became a subsidiary of Samsung Electronics America in 2015.

Yub is an innovative offline affiliate network based in Mountain View, California, that connects online consumer interactions with in-store purchases. By leveraging the online affiliate model, Yub allows retailers and restaurants to track consumer behavior from the moment of online engagement to the final purchase, facilitating a seamless transition from digital to physical shopping. The platform requires no complex integration or upgrades, making it accessible for merchants. Yub aims to transform the way brick-and-mortar stores engage with customers, enhancing their ability to attract and retain shoppers through straightforward and appealing offers.

SecureKey Technologies Inc. is an identity and authentication provider that facilitates secure and convenient access to online services for consumers. The company develops cloud-based identity networks that enable organizations to connect users with various online services while ensuring privacy and security. Serving diverse markets including banking, government, healthcare, telecommunications, and utilities, SecureKey offers both its proprietary identity network and professional services. Founded in 2008 and headquartered in Toronto, Canada, SecureKey also has offices in Boston and San Francisco. The firm has established strategic collaborations and is supported by prominent investors, including Visa, MasterCard, and Intel Capital, which enhances its capability to deliver innovative solutions in the identity and authentication space.

TrialPay, Inc. specializes in cross-platform monetization solutions, allowing customers to pay for one item by trying or purchasing another. Founded in 2006 and headquartered in Mountain View, California, with an additional office in Berlin, Germany, the company offers tools such as Evergreen, which helps developers create custom monetization strategies and connect with customers across various platforms, including the Web, mobile, and social networks. TrialPay's system facilitates free trials and promotional offers for merchants, enabling them to engage users through deals with advertising partners. As of March 2015, TrialPay operates as a subsidiary of Visa Inc.

Fundamo (Proprietary) Limited specializes in mobile financial solutions for banks, financial organizations, and mobile network operators, both in South Africa and internationally. Founded in 2000 and based in Cape Town, the company offers a range of services, including the Fundamo Enterprise Edition, a mobile financial services platform; the Fundamo Mobile Wallet, which delivers transformative financial services; and Fundamo Mobile Banking, enabling banks to provide mobile access to existing accounts. Additionally, Fundamo provides mobile remittance options, integrated payment and purchasing modules, and facilities for issuing mobile debit cards linked to the Fundamo Mobile Account. As a subsidiary of Sanlam Ltd, Fundamo focuses on enhancing financial accessibility through mobile technology.

A payment platform to handle transactions in online games, digital media and social networks

Square, Inc. is a financial technology company that provides comprehensive payment and point-of-sale solutions for businesses in the United States and internationally. Founded in 2009 and headquartered in San Francisco, the company offers a diverse ecosystem that includes both hardware and software products. Its hardware lineup features devices such as the Magstripe reader, Contactless and chip reader, Square Stand, Square Register, and Square Terminal, which facilitate various payment methods. On the software side, Square provides tools like Square Point of Sale, Square Appointments, and Square for Retail, among others, to help businesses manage sales, inventory, and customer relationships. Additionally, Square offers services such as managed payments, instant transfers, and small-business financing through Square Capital. The company also operates Cash App, enabling users to send, receive, and store money, and Weebly, which provides website hosting and domain registration services. With a focus on empowering businesses, Square continues to expand its offerings in mobile payments and merchant services.

Inside Secure, founded in 1995 and based in Aix en Provence, France, specializes in open-standard contactless payment and near field communication (NFC) semiconductors and software. The company develops a range of products including contactless reader interface chips, NFC interface circuits, contactless payment platforms, memory chips, and desktop readers. These products are utilized in various applications such as payment, transit, identity verification, and access control across smart cards, key fobs, mobile devices, and POS systems. Inside Secure also provides professional services for integration and adoption, encompassing application development and system integration. The company's clientele includes payment card and mobile phone manufacturers, systems integrators, and financial institutions, with additional offices in Shanghai, Singapore, Warsaw, Seoul, San Francisco, and Boston.

CyberSource is a global payment gateway and merchant services provider that specializes in managing the payment process for businesses. The company offers a comprehensive electronic payment platform that facilitates payment acceptance, order screening, and reconciliation while ensuring data security. With a focus on mitigating fraud, CyberSource provides risk management solutions designed to help merchants maximize sales and improve operational efficiency. Operating internationally, including a presence in Tokyo, Japan, CyberSource delivers industry-leading solutions aimed at simplifying and automating payment operations for businesses across various sectors.

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.

Inside Secure, founded in 1995 and based in Aix en Provence, France, specializes in open-standard contactless payment and near field communication (NFC) semiconductors and software. The company develops a range of products including contactless reader interface chips, NFC interface circuits, contactless payment platforms, memory chips, and desktop readers. These products are utilized in various applications such as payment, transit, identity verification, and access control across smart cards, key fobs, mobile devices, and POS systems. Inside Secure also provides professional services for integration and adoption, encompassing application development and system integration. The company's clientele includes payment card and mobile phone manufacturers, systems integrators, and financial institutions, with additional offices in Shanghai, Singapore, Warsaw, Seoul, San Francisco, and Boston.

dotMobi specializes in mobile and web technologies that enhance content accessibility in a connected environment. The company offers a diverse product lineup, including DeviceAtlas, which delivers comprehensive intelligence on mobile and web-enabled devices through high-speed APIs. Another key offering is goMobi, a mobile-first web publishing platform that enables users to develop sophisticated websites compatible with any device. Additionally, dotMobi manages the .mobi top-level domain, designed to indicate that a site is optimized for mobile use. The company also provides a variety of developer tools to support mobile web development. As a subsidiary of Afilias, dotMobi contributes to the broader internet infrastructure by facilitating mobile web connectivity.

MobShop was founded as Accompany, Inc. in October 1998 by Jim Rose, Salim Teja and Jonathan Ehrlich. Our initial website debuted in April 1999. The MobShop Network, known previously as the Get It Together Network, launched in October 1999. Accompany, Inc. became MobShop, Inc. in March 2000. Mobshop is a new e-commerce solution enabling retailers to broadcast their products all over the web. From your products catalog, you can create as many shops as you wish, available as web and mobile e-commerce websites, sell on marketplaces, use price comparators, and social networks. All this features are available in an easy to use hosted service.

OpenMarket is a cloud communications company that specializes in mobile payments and messaging services for enterprises, merchants, and developers. As a division of Amdocs, it provides mobile engagement solutions designed to enhance operations and improve relationships with customers and employees. OpenMarket offers a range of messaging capabilities, including SMS, MMS, RCS, and branded messaging, which support businesses in their marketing and outreach efforts. The company is recognized for its domain expertise, flexibility, and reliability, enabling it to deliver smart, interactive connectivity across more than 200 countries. This global reach allows businesses to effectively engage with a vast audience of mobile users worldwide.

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.

Today, over 3,100 clients across 100+ countries – including the majority of the Fortune 100 – rely on Trintech’s solutions to help streamline their high-volume transactions and GL account reconciliation, manage their journal entry process, speed their month-end close, and ensure regulatory and other compliance efforts. Trintech customers include many of the global leaders and local specialists in retail, technology, restaurants, manufacturers, hospitality, finance, healthcare, and more. Clients who have placed their trust in Trintech include American Express, Uber, McKesson, Verizon, Costco, Walgreens, HP, Microsoft, Siemens Corporation, FedEx, Ports America, AstraZeneca, Academy Sports + Outdoors, Nationwide, BAE Systems, Coach, Coca-Cola, Ralph Lauren, ConAgra, Dr. Pepper/Snapple, BJ’s Restaurants, Toyota Financial Services, as well as many more notable household names.