Visa

Konnect is an online cross-border payment platform based in Tunis, founded in 2021. The company focuses on simplifying complex financial transactions by offering a variety of secure and cost-effective payment methods. Its platform allows users with email addresses to send and receive payments easily, catering to businesses of all sizes and facilitating their growth through enhanced financial flexibility.

Mynt is a financial partner focused on supporting high-growth small and medium-sized businesses (SMBs). The company provides a digital financing platform that includes a premium corporate credit card solution, along with expense management and accounting automation. Mynt's platform features an intelligent scoring model that utilizes various data sources to facilitate business loans and invoice financing. This allows small businesses to access flexible lines of credit or invoice factoring through a fully automated application process, streamlining their financial management and supporting their growth objectives.

Moniepoint is a financial technology company that offers a comprehensive digital banking and payment ecosystem tailored for small and medium-sized businesses. The platform provides a range of services, including payment processing, credit access, and business management tools. Moniepoint enables businesses to create accounts and accept payments through various offline and online channels, facilitating efficient financial management. By integrating banking solutions with essential business tools, Moniepoint supports organizations in managing their finances and accessing the resources necessary for growth.

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

Clip is transforming card acceptance in Mexico by providing portable card-reading hardware and a digital payment platform that enables businesses to accept all credit and debit cards, including contactless payments. The company's solutions allow businesses to turn smartphones or tablets into card terminals, facilitating seamless transactions without the need for complicated paperwork or monthly fees. By focusing on empowering Mexican businesses, Clip helps them increase sales and grow by offering a user-friendly application that simplifies payment acceptance. This approach positions Clip as a vital ally for merchants seeking efficient and accessible payment solutions.

Enfuce is a fintech company that specializes in providing a range of financial services, including payment processing and card-issuing solutions. Operating across Europe with offices in Finland, Germany, Latvia, Sweden, and the UK, Enfuce enables traditional banks, neobanks, and fintechs to enhance their payment experiences. The company's cloud-based platform offers features such as open banking, issuing and acquiring services, and strong customer authentication, making it suitable for both established financial institutions and new entrants in the market. Enfuce has secured €62 million in funding and has received notable recognitions, including participation in the Visa Fintech Fast Track program and the Mastercard Lighthouse Development Programme, as well as the 2019 PayTech Award for Best Payments Solution for Payment Systems in the Cloud.

Cayesh is a fintech company specializing in digital supply chain finance solutions. It provides an integrated platform designed for supply chain stakeholders, delivering services such as working capital, invoice management, and payment processing. By combining technology, expertise, and operational support, Cayesh aims to address various cash flow challenges faced by its clients, including the availability, management, and mobilization of capital. The company focuses on offering affordable financial solutions that enhance the efficiency and effectiveness of supply chain operations.

Pismo is a technology company that offers a comprehensive processing platform for banking, payments, and financial market infrastructure. Its cloud-based solution is designed to positively impact lives globally by providing a range of features such as customer relationship management, billing, acquiring network management, client acquisition, and credit analysis. The company's data centers enable build-to-order services, enhancing customization and personalization options for enterprise, cloud computing, and service provider clients. Pismo's patented architecture and scalable design contribute to a low cost of ownership and rapid speed to market, helping clients optimize their financial offerings effectively.

Tuma is a developer of a mobile payments platform designed specifically for small businesses and informal traders. Its solution allows businesses to accept card payments directly through their smartphones, eliminating the need for additional hardware. This micro merchant platform transforms a smartphone into a payment terminal, facilitating quick and convenient transactions for customers using bank cards, smartphones, and wearable devices. Tuma's approach streamlines the payment process, catering to the needs of businesses that seek efficient and flexible payment options.

TerraPay is a mobile-first international payment network that enables secure and seamless transnational money transfers. By interconnecting various financial services providers, such as mobile wallet services, money transfer operators, banks, and payment platforms, TerraPay creates one cohesive network for the movement of funds. The company offers a range of transaction types, including interpersonal transfers, e-payments, and government disbursements. Its platform-agnostic approach supports standard open APIs, allowing for easy integration with any mobile wallet provider. This single connection grants partners access to a global payment network, streamlining service expansion while reducing operational and capital expenditures. As a regulated financial intermediary, TerraPay also encompasses regulatory compliance, foreign exchange management, and fund settlement within its suite of services, ensuring the processing, clearing, and settlement of mobile payments is handled efficiently and securely.

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

M2P Fintech is a leading provider of a comprehensive API infrastructure designed to facilitate banking, payments, and lending services for businesses. The company offers a unified platform that supports various payment methods, including cards and digital wallets, while ensuring compliance with regulatory standards. M2P Fintech's technology enables seamless customer onboarding and compliance checks, thereby streamlining operations for financial institutions. By equipping sales teams with essential tools and information, M2P Fintech enhances the management of financial services, ultimately improving customer experiences in an increasingly digital economy.

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.

Elevate Pay is a financial technology company that offers a digital banking platform. This platform enables users to open bank accounts online, obtain fee-free Sudanese Pound (SDG) and US Dollar (USD) accounts, receive a free USD Mastercard, make free transfers within Sudan, and receive free international transfers from various countries. The company aims to provide innovative, fair, responsible, and inclusive financial products, improving access to financial services for its consumers.

Elevate Pay is a financial technology company that offers a digital banking platform. This platform enables users to open bank accounts online, obtain fee-free Sudanese Pound (SDG) and US Dollar (USD) accounts, receive a free USD Mastercard, make free transfers within Sudan, and receive free international transfers from various countries. The company aims to provide innovative, fair, responsible, and inclusive financial products, improving access to financial services for its consumers.

Karty is a fintech platform headquartered in Msheireb that offers a comprehensive solution for managing personal finances through a single application. The platform enables users to spend, save, and track their financial activities with features such as banking-level security, real-time notifications, transaction alerts, interactive charts, automatic categorization, and peer-to-peer payments. By providing these tools, Karty allows customers to monitor their daily balances and spending patterns effectively. The company has secured $1.2 million in a pre-seed funding round from various investors, including Visa and the Qatar Development Bank, and it is collaborating with Visa to develop complete digital payment solutions for both consumers and businesses. Karty aims to transform the everyday financial experiences of its users by utilizing advanced technology and transaction data.

Belvo is an open finance API platform founded in 2019 and headquartered in Mexico City. The company enables financial innovators to connect their users' accounts to various applications, facilitating the access and interpretation of financial data in a straightforward and scalable manner. Belvo's platform allows developers to gain insights into user behavior and manage financial transactions efficiently, thus helping businesses to streamline operations and create new revenue opportunities through a unified open finance solution.

Currencycloud is a global payments platform that simplifies cross-border transactions and foreign exchange automation for businesses. It provides developers with API building blocks to create tailored payment solutions, allowing companies to integrate payment infrastructure into their products and services seamlessly. The platform offers automated end-to-end processes for sending and receiving payments, as well as services for currency collection and conversion. By handling the complexities and regulatory requirements associated with international payments, Currencycloud enables clients to adopt digital wallets and embed financial services into their operations, regardless of their industry.

Nium is a payments services company that offers a comprehensive cross-border payments platform, enabling businesses to collect, convert, and disburse funds globally. The company provides banks, payment vendors, and various industries, including travel, marketplaces, financial institutions, and payroll, with access to payment and card issuance services. Nium's platform features virtual wallets for fund management, facilitates traditional bank transfers for sending and receiving money, and offers competitive currency conversion rates with transparent fees. By ensuring secure transactions, Nium simplifies the complexities of international payments, supporting business growth and enhancing financial operations.

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.

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

NOW Money is a financial technology company that leverages mobile banking to provide accounts and remittance services for the unbanked population in the Middle East, specifically targeting low-income migrant workers in the Gulf region. By offering a payment application, NOW Money facilitates access to essential financial services, enabling users to perform international money transfers and currency conversions at reduced costs. The company aims to include those who are typically excluded from the financial system, thereby promoting financial inclusion and offering significant savings on remittance transactions.

Klarna Inc. is an e-commerce payment solutions provider that serves both merchants and consumers, specializing in flexible payment options. Founded in 2005 and headquartered in Columbus, Ohio, with additional offices in New York City, Klarna offers a range of services including direct payments, pay-after-delivery options, and installment plans. The company is recognized for its "buy now, pay later" model, allowing shoppers to finance their retail purchases with interest-free payments. Klarna also enhances the shopping experience through its app, which offers features such as cashback rewards and on-site messaging for retailers. As a regulated bank, Klarna operates under a framework that supports a variety of payment processing and dispute resolution services, aiming to make transactions simple, safe, and smooth for users.

YellowPepper USA, LLC is a pioneer in mobile banking and payment solutions in Latin America, founded in 2004 and based in Miami, Florida. The company offers a white-labeled mobile payment platform compatible with major operating systems and communication protocols, including NFC, BLE, and QR codes, facilitating cashless transactions for consumers, businesses, and banks. YellowPepper also provides a mobile banking suite, enabling financial institutions to address the evolving needs of their clients. With a presence in countries such as Mexico, Colombia, Ecuador, and Peru, the company employs over 60 professionals across the region. Backed by Visa and the International Finance Corporation, YellowPepper combines extensive market knowledge with advanced payment technology, contributing to a robust payment ecosystem that enhances the purchasing experience for consumers and merchants alike.

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.

Volante Technologies, Inc. is a global financial technology company that specializes in developing solutions for payments and financial messaging automation. Established in 2001 and headquartered in Jersey City, New Jersey, the company offers a range of services including VolPay, which fosters payments innovation and digital transformation, and Volante Designer, designed to simplify financial messaging and data integration. Volante's solutions encompass payments modernization—covering real-time, instant, domestic, and cross-border payments—as well as Payments as a Service for cloud-based payment processing and financial messaging services, such as message translation and orchestration. With a diverse client base that includes over 85 financial institutions and corporates across 26 countries, Volante aims to enhance business agility in the digital payments landscape by addressing complex challenges and enabling rapid adaptation to new opportunities. The company’s commitment to innovation is reflected in its extensive library of international and domestic message standards, which facilitates quicker project completion while minimizing disruption to core systems.

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

Nium is a payments services company that offers a comprehensive cross-border payments platform, enabling businesses to collect, convert, and disburse funds globally. The company provides banks, payment vendors, and various industries, including travel, marketplaces, financial institutions, and payroll, with access to payment and card issuance services. Nium's platform features virtual wallets for fund management, facilitates traditional bank transfers for sending and receiving money, and offers competitive currency conversion rates with transparent fees. By ensuring secure transactions, Nium simplifies the complexities of international payments, supporting business growth and enhancing financial operations.

PT Aplikasi Karya Anak Bangsa, commonly known as Gojek, is a mobile application-based platform founded in 2010 and headquartered in Jakarta, Indonesia. The company initially operated a motorcycle taxi fleet but has since evolved into a comprehensive Super App, offering a wide range of services including food delivery, transportation, digital payments, shopping, and various on-demand services such as massages. Launched in 2015, Gojek has rapidly become the largest consumer transactional technology group in Southeast Asia, driven by its commitment to speed, innovation, and social impact. The platform aims to empower the informal sector in the region while catering to diverse markets, including logistics, food, and entertainment.

ChargeAfter Ltd operates a consumer financing platform that connects merchants with a network of global lenders to provide personalized and responsible financing options at the point of sale. Founded in 2017 and headquartered in Ramat Gan, Israel, with additional offices in California and New York, the company offers a data-driven decisioning engine that facilitates real-time financing offers tailored to various consumer credit types. This approach enables approvals for nearly all customer applications, enhancing the shopping experience for consumers while allowing retailers to implement the platform quickly both online and in-store. ChargeAfter’s platform features detailed transaction reporting and white-label options, enabling merchants to seamlessly integrate multiple financing products into their sales processes. By streamlining credit distribution, ChargeAfter helps merchants boost conversion rates, increase average order values, and foster customer loyalty.

Currencycloud is a global payments platform that simplifies cross-border transactions and foreign exchange automation for businesses. It provides developers with API building blocks to create tailored payment solutions, allowing companies to integrate payment infrastructure into their products and services seamlessly. The platform offers automated end-to-end processes for sending and receiving payments, as well as services for currency collection and conversion. By handling the complexities and regulatory requirements associated with international payments, Currencycloud enables clients to adopt digital wallets and embed financial services into their operations, regardless of their industry.

Flutterwave Inc. is a financial technology company that offers comprehensive payment solutions for businesses globally. Founded in 2014 and headquartered in San Francisco, California, Flutterwave provides a range of services, including Flutterwave Checkout for processing payments via web and mobile, and a Flutterwave API for creating and managing virtual cards. The platform also includes tools for invoicing, allowing businesses to create professional invoices and track payments, as well as payment links for easy collection from customers. Serving various industries such as gaming, events, transportation, and hospitality, Flutterwave aims to simplify payment infrastructure by connecting merchants with local and international card schemes and bank accounts, ensuring secure and efficient payment processing.

Interswitch is an Africa-focused integrated digital payments and commerce company that has been operational since 2002. It specializes in transaction switching and electronic payments processing, building and managing payment infrastructure across the continent. Interswitch facilitates the electronic circulation of money and the exchange of value between individuals and organizations, ensuring timely and consistent transactions. By providing innovative payment products and transactional services, the company aims to help banks, institutions, and governments reduce costs, enhance operational efficiency, and drive sustainable revenue growth.

PayMate is a leading provider of B2B payment solutions for enterprises and small to medium-sized enterprises (SMEs) across supply chains. The company's platform enhances digital workflow management related to payments, ensuring improved control, transparency, and cash flow optimization along with end-to-end reconciliation. By collaborating with major commercial card-issuing banks, PayMate facilitates credit for both payables and receivables, transitioning traditional payment methods to card streams while offering risk-mitigating features and extended payment terms for buyers. Key functionalities of the platform include procure-to-pay automation, credit evaluation, a discount marketplace, and APIs for integration with existing accounting and ERP systems. PayMate's cloud-based platform is accessible on various devices and currently serves users in South Asia and the UAE, with ongoing expansion efforts in the Central and Eastern Europe, Middle East, and Africa (CEMEA) region.

Finix is a developer of a B2B payment processing platform that enables businesses to own, manage, and monetize their payment systems. The platform features a modular, workflow-driven architecture and a real-time interface that allows users to track transactions, consolidate data from various payment processors, and underwrite merchant accounts. This capability supports banks, acquirers, and enterprises in facilitating quick and secure push payments over debit cards and enables them to send money globally. By providing these tools, Finix aims to enhance the payment processing experience for its clients.

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.

Verifi, Inc. is a provider of global electronic payment and risk management solutions tailored for card-not-present merchants. The company offers a Software-as-a-Service platform that includes a customizable payment gateway, enabling real-time and batch processing of various payment types, such as credit cards and eChecks. Verifi's services encompass a suite of fraud prevention tools and risk management strategies, including transaction filters, payer authentication, and chargeback representment. The platform enhances transaction security and optimizes business operations while ensuring compliance with industry standards. Additionally, Verifi provides managed services designed to resolve disputes and mitigate risks associated with transaction processing. Founded in 2005 and headquartered in Los Angeles, California, Verifi operates as a subsidiary of Visa Inc. and maintains strategic partnerships to enhance its offerings.

Netsahem operates a digital fundraising platform that facilitates electronic donations to non-profit organizations. By offering a variety of innovative e-payment methods, Netsahem enables NGOs, particularly those that operate offline, to expand their reach and increase fundraising efforts. The platform is designed to support charitable initiatives across the Egypt region, helping organizations raise essential funds to assist those in need.

Fawaterak provides a comprehensive online invoicing platform designed to assist freelancers, micro, and small businesses in managing their payment processes efficiently. The company offers a variety of services that enable merchants to accept credit and debit card payments securely, track sales and inventory in real-time, and manage customer relationships through loyalty programs. Additionally, Fawaterak facilitates access to funding and financial services, ensuring compliance with tax and eInvoice regulations. Their solutions include payment terminals, point of sale systems, online checkout options, and mobile app administration, all aimed at streamlining operations and supporting business growth. By simplifying invoicing and payment collection, Fawaterak empowers merchants of all sizes to enhance their operational efficiency and focus on their core business activities.

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

Bankable is a company that specializes in creating innovative payment solutions tailored for corporates, banks, and retailers. It provides a modular banking platform that enables businesses to offer a range of financial services, including e-wallets, mobile wallets, remittance services, peer-to-peer money transfers, and prepaid card programs. These solutions are delivered as white-label self-service platforms or through APIs, allowing financial institutions and fintech companies to develop and implement customized banking systems efficiently. By focusing on flexibility and scalability, Bankable empowers its clients to enhance their payment offerings and improve customer experiences in the financial sector.

Earthport is a global financial services company specializing in cross-border payment solutions. The company offers its services to business enterprises and banks, facilitating international payments in over 50 countries and territories. Earthport aims to provide a faster, more cost-effective, and transparent payment experience, enabling clients to send money efficiently to nearly any location worldwide.

BillDesk is a company that specializes in electronic payment and collection services, designed to simplify and enhance the payment process for consumers and businesses alike. It offers an integrated technology platform with unified APIs, allowing users to manage their payments efficiently while minimizing the challenges associated with traditional bill payment methods. By facilitating enterprise-wide electronic payments and related reconciliation and settlement operations, BillDesk enables customers to utilize various payment methods across multiple delivery channels, ensuring a seamless online payment experience.

Dock is a provider of modern financial technology infrastructure in Latin America. Dock unlocks business value, innovation, and scalability for its customers by integrating card issuing and core banking services on one comprehensive platform. Dock’s modular solutions enable mission-critical processes that accelerate a company’s ability to bring new digital payments and banking services to market. The end result is a wider array of innovative products, greater consumer access to financial services, and improved customer experiences. Dock’s cloud-based platform reduces the operational and regulatory burden on clients while offering other valuable tools through its partner ecosystem.

Paystack is a payment processing company based in Ikeja, Lagos, founded in 2015. It provides businesses in Africa with the ability to accept payments from anyone, anywhere in the world using various methods, including credit and debit cards, money transfers, and mobile money. The platform is designed to simplify the payment process, ensuring that online transactions are secure and affordable. By connecting multiple payment options, Paystack enables merchants to offer a seamless payment experience through their websites and mobile applications, facilitating easier commerce for businesses and their customers.

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 a mobile application that streamlines the ordering and payment process for consumers at restaurants. By allowing users to scan QR codes at partnered establishments, the app facilitates menu browsing and order placement, thereby eliminating the need for traditional wait service. Additionally, Liuv integrates payment and loyalty programs, enhancing the effectiveness of merchants' loyalty campaigns and ensuring that promotions reach the intended audience. This dual functionality not only increases revenue for establishments but also optimizes operational costs and generates valuable consumption profile data.

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

YellowPepper USA, LLC is a pioneer in mobile banking and payment solutions in Latin America, founded in 2004 and based in Miami, Florida. The company offers a white-labeled mobile payment platform compatible with major operating systems and communication protocols, including NFC, BLE, and QR codes, facilitating cashless transactions for consumers, businesses, and banks. YellowPepper also provides a mobile banking suite, enabling financial institutions to address the evolving needs of their clients. With a presence in countries such as Mexico, Colombia, Ecuador, and Peru, the company employs over 60 professionals across the region. Backed by Visa and the International Finance Corporation, YellowPepper combines extensive market knowledge with advanced payment technology, contributing to a robust payment ecosystem that enhances the purchasing experience for consumers and merchants alike.

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.

Qpal is a financial technology company focused on improving the financial well-being of consumers, particularly those who are financially vulnerable. Founded in 2016, Qpal has developed a platform that integrates digital payment solutions with Open Banking technology, aiming to simplify money management for users. The company previously designed and deployed mobile payment and analytics solutions on an international scale. Its current offerings include a digital assistant that helps users manage their finances more effectively. Additionally, Qpal's platform supports contactless technology, enabling merchants to provide a cashless experience that enhances customer convenience by reducing transaction times and associated costs of traditional cash handling.

Klarna Inc. is an e-commerce payment solutions provider that serves both merchants and consumers, specializing in flexible payment options. Founded in 2005 and headquartered in Columbus, Ohio, with additional offices in New York City, Klarna offers a range of services including direct payments, pay-after-delivery options, and installment plans. The company is recognized for its "buy now, pay later" model, allowing shoppers to finance their retail purchases with interest-free payments. Klarna also enhances the shopping experience through its app, which offers features such as cashback rewards and on-site messaging for retailers. As a regulated bank, Klarna operates under a framework that supports a variety of payment processing and dispute resolution services, aiming to make transactions simple, safe, and smooth for users.

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

CardinalCommerce Corporation specializes in payment authentication solutions on a global scale. Founded in 1999 and headquartered in Mentor, Ohio, the company is recognized as a pioneer in authenticating consumer payments online. It operates the largest interoperable authentication network, connecting various card networks, merchants, and financial institutions. CardinalCommerce's product offerings include the One Connection solution for alternative payment options, Authbridge for navigating authentication complexities, and consumer authentication to safeguard transactions while reducing chargebacks. The company also provides digital gift cards, hosted payment pages, mobile banking solutions, and mobile marketing services. Additionally, CardinalCommerce offers tokenization for fraud protection, a universal PIN debit service for secure eCommerce transactions, and a universal wallet for digital wallet and shopping cart compatibility. With strategic partnerships with major payment brands and merchant service providers, CardinalCommerce serves the eCommerce and mCommerce sectors while also delivering advisory services in customer engagement, online security, and fraud prevention. The company maintains facilities in Europe, Africa, North and South America, and distribution centers in Asia and Australia. As of early 2017, it operates as a subsidiary of Visa Inc.

Visa Europe Limited is a payments technology company headquartered in London, United Kingdom, that facilitates electronic payments for consumers, businesses, financial institutions, and governments across Europe. Established in 2004, Visa Europe manages a variety of payment products under the Visa brand and operates VisaNet, a robust processing network designed to handle transaction messages efficiently while providing fraud protection for consumers and assured payment for merchants. The company primarily focuses on debit card transactions, with nearly 80% of its business derived from this segment. With 466 million Visa cards issued in Europe, it accounts for approximately 15% of all consumer spending in the region. Visa Europe employs around 1,700 staff members and has invested over 1 billion Euros in technology and infrastructure to enhance its services. By adhering to the international EMV chip standard, Visa Europe ensures secure payment processes, while also responding to the needs of European banks, cardholders, and retailers. The company operates as a subsidiary of Visa Inc., with its operations supported by member banks and payment service providers from 36 countries.

Thumbzup provides an affordable and secure mobile point-of-sale (MPOS) solution for merchant customers. The company develops innovative payment devices that integrate a comprehensive suite of technologies and services, allowing businesses to accept payments conveniently while streamlining their operational processes. By leveraging advanced technology, Thumbzup enables merchants to manage multiple payment gateways efficiently, enhancing their ability to improve sales and reduce costs.

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

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.

PlaySpan is a prominent provider of monetization solutions for online games, virtual worlds, and social networks. The company specializes in developing a digital goods commerce and micropayment platform that enables game publishers and developers to generate revenue, attract new users, and enhance user loyalty. One of its key offerings is UltimatePay, a global payment solution that facilitates safe and convenient in-app purchases through over 85 payment methods across 180 countries. This service includes the Ultimate Game Card, a prepaid card available in more than 45,000 retail locations throughout North America and expanding internationally. Headquartered in Silicon Valley, PlaySpan also operates offices in Ohio, Virginia, and Mumbai. The company has received recognition for its contributions to the gaming industry, winning the 2009 OnHollywood Category Award for Best Gaming Company.

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

CyberSource is a global payment gateway and merchant services provider that specializes in managing the entire payment process for businesses. This includes payment acceptance, order screening, reconciliation, and ensuring payment security. Operating internationally, CyberSource offers a range of payment and risk management solutions aimed at helping merchants enhance sales and improve operational efficiency. The company has a presence in various regions, including Japan, where CyberSource KK provides tailored solutions to address specific market needs.

CyberSource is a global payment gateway and merchant services provider that specializes in managing the entire payment process for businesses. This includes payment acceptance, order screening, reconciliation, and ensuring payment security. Operating internationally, CyberSource offers a range of payment and risk management solutions aimed at helping merchants enhance sales and improve operational efficiency. The company has a presence in various regions, including Japan, where CyberSource KK provides tailored solutions to address specific market needs.

Konnect is an online cross-border payment platform based in Tunis, founded in 2021. The company focuses on simplifying complex financial transactions by offering a variety of secure and cost-effective payment methods. Its platform allows users with email addresses to send and receive payments easily, catering to businesses of all sizes and facilitating their growth through enhanced financial flexibility.