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Payment Startup Ideas

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A startup that uses artificial intelligence to help prevent fraud in payments. It’s an API for banks and merchants to check if accounts are being used fraudulently.

214

A startup that offers an app for people to set up recurring payments for charity

190

A mobile payments platform for ride sharing, carpooling, and taxi services.

172

A payment system that works with both cash and digital currency.

155

A startup that allows you to make a purchase using your fingerprint. The startup wants to make payments dead simple.

151

This startup’s algorithm is designed to find and cancel fraudulent payments, automatically. It’s free for merchants to use, and they’re aiming to partner with processors and banks.

125

Automate your phone bill payments by having your phone bill automatically pay your phone bill.

111

A new startup that aims to modernize the payments industry for businesses, making it faster, cheaper, and more secure.

111

A mobile payments startup that is focused on India, offering a personal loan service to people without bank accounts.

107

An online-only, subscription-based service that allows people to buy and sell payments immediately from their bank accounts.

105

Zelle is a digital payment company that’s launching in early 2020, and is meant to make it easier for people to send money to others.

105

A payment processing company that provides services to businesses in India.

103

A payment app for new-age businesses, such as the "backyard cottage" industry that Node is building.

100

A small payment processor that helps musicians get paid for their work.

99

A security startup that’s building a platform to automatically detect and prevent fraud in the payments industry.

99

A company that wants to help companies customize payment plans for their employees

99

A startup that takes care of the back-end payment, management, and delivery for physical concerts.

98

A startup that wants to help banks with payments in Peru. The startup's co-founder says they have more than 1,000 business accounts as of September.

96

A tool for managing an online student organization. It can be used to invite and manage members, track events, and make payments.

95

A company that’s making online payments and invoicing seamless for businesses.

95

A startup that wants to build a mobile payment system for merchants in the United States.

93

A startup that makes it easy for small businesses to collect payments from their customers. The startup offers free accounts for small businesses and is looking to eventually offer a freemium model.

93

Ripple is a platform for creating virtual currency and a payment system. The startup is trying to get merchants to adopt its digital currency by offering them a low-fee payment processing system.

93

A joint project of the US Department of Agriculture and the National Park Service, which is trying to create a mobile payment system for parks.

93

A software company that creates an API for a network of processors and license holders to manage payments in real-time. The startup was founded by two former executives of Adyen, a global payment processing company.

91

A digital payment card that allows people to pay for things with their phones.

91

A payments company that offers a way for small businesses to pay for their own invoices. The founders say they’re aiming to replace “payroll” software.

91

A startup for small businesses to access payment processing services.

90

A new fintech app that aims to make it easier for consumers to make payments

90

A SaaS platform for people to manage their cell phone accounts. It sits on top of a person’s existing carrier account and allows them to view their data and make payments. It’s in early beta.

89

This company wants to replace the need for cashiers in grocery stores. It’s not just a vending machine that dispenses goods, but a multi-modal platform that handles payment and inventory. The company has partnered with major grocers, including Publix, Kroger, and Albertsons.

89

A “smart wallet” that uses crypto to make purchases and payments. The startup has raised $11.5M to date.

89

A platform that allows consumers to make payments online for new or used products, and then track their orders.

89

A self-storage company that provides monthly payment structures to make customers feel like they’re paying less in rent than they actually are.

89

A new kind of payment system that allows taxi owners to compete with Uber and Lyft. Instead of needing to call a dispatcher, riders can hail a cab in real-time and pay directly through the app.

88

A cashless system for secure payments

88

A web-based platform for licensed landlords to manage tenant’s payments and communicate with them.

88

A full mobile app, including complex Web and SMS APIs for processing payments.

88

This is a solution to help small businesses manage their tax and financial obligations. Their platform is built on Slack, helping you bill, collect, and send payments to your customers, which can be done through a simple, intuitive interface.

88

A startup that lets companies handle payments in a more transparent way. It’s an API that connects payments platforms and third-party data, and helps companies figure out which payments to accept and which not to.

87

A personal finance service that helps people pay down their debt from multiple cards in a single monthly payment.

87

This startup is building an online platform that gives sellers a way to sell their wares without needing to handle payment processing or risk taking customer service.

87

A student loan refinancing platform that allows borrowers to pay off their debt in a number of different ways, including a lump sum or a fixed payment.

87

The startup offers a service for home healthcare providers to create a payment plan for clients and get paid over time. It’s a service that competes with services like Care.com.

86

The startup’s service allows users to create custom-designed and branded debit cards to be used at millions of locations in the US, UK, Canada, France, and Australia. It also does global spending and cross-border payments for businesses that need it.

86

This startup is building a payment platform to help rural local businesses accept credit cards. The startup is based in the Philippines and has been working with both credit cards and bank-issued debit cards in the country.

85

A startup that goes after the 5 million small businesses that have yet to accept payments online. Their vision is to be able to “complete, manage, and reimburse small business invoices”.

85

A digital, mobile payment solution for women’s clinics.

85

A payment startup with a focus on offering a simpler payment experience for consumers in emerging markets.

85

A platform that enables online businesses to easily take payments with a credit card.

84

A simple tool for cafes and restaurants to manage and track the flow of their daily payments, with the ability to see trends and gain insights. The team came up with the idea while working at a local cafe in San Francisco.

84

A startup solving the student loan default crisis by letting borrowers streamline the repayment process.

84

A tool that allows users to send and receive payments in Bitcoin through email. The company’s goal is to make it simple to pay friends and family with cryptocurrency.

84

A digital wallet for more than 200 countries, looking to integrate digital payments into businesses that don’t yet have them.

84

New startup that aims to take the pain out of student loan payments, using the debt to create scholarships for low-income students.

84

A way to track and pay for university teaching gigs in India. The company says they already have payment processing partnerships in place in India and are looking to expand to other countries. SENSEI is one of the only companies that offer this kind of service in India.

84

A startup that’s building out a platform to help users with recurring payments like subscriptions and digital products. The product helps people manage their recurring payments, and is already being used by 65,000 users with 30,000 active channels.

84

Building a single-sign-on tool for other payment services.

83

Cofounder Alex Zabludowicz co-founded this fintech company with his brother, Alex. It wants to make payments faster, cheaper, and more secure, with a focus on the developing world.

83

A micro-insurance company that insures the risk of non-payment for vendors and freelancers.

83

Food delivery for restaurant kitchens — the company provides a central platform for kitchens to manage orders, and payment is handled via a proprietary service that only the restaurants can use

83

A startup that’s building an online marketplace for visual artists to sell their work to the world, with payment handled by Stripe.

83

A P2P lending platform for businesses that don’t have the resources to build out the infrastructure to do their own payments.

82

A SaaS company that claims to let companies scale their mobile payments infrastructure as needed.

82

A platform for managing your entire spend, tracking your bills, managing your expenses across different payment systems, managing your accounts, and making it easy to compare everything against each other.

82

A platform that helps small business owners in India use their app to accept payments, and enables customers to pay with a couple of taps.

82

A single app that lets you manage all of your work, from payments to invoicing, to taxes, and everything in between.

82

A platform that links global banks, payment networks and businesses.

81

New York City-based startup that helps schools manage their online course catalogs and payments.

81

A free and anonymous account of all of your medical bills, keeping you from falling behind on payments and giving you peace of mind.

81

A digital wallet that’s designed to serve the needs of women in China. Currently, the platform does not offer features that are common in the US, such as peer-to-peer payments, a feature that is required in China for transactions to be legal.

81

A mobile payments product that allows shoppers to pay for items on any device that supports NFC. The startup is building a payment platform for apps and retailers, as well as a recharge service.

80

A B2B company that helps people sell their homes by taking photos, sending listings, and handling payments.

80

A company building software that helps banks manage loans, with a particular focus on reducing the number of payments.

80

This startup is building a mobile banking platform that will allow small business to accept payments from their customers easily through their SIM cards.

80

A network of kiosks that allows shoppers to pay for purchases with their phone. The startup wants to make mobile payments more convenient and easier to use.

80

A payment platform for people who want to buy and sell stuff online but don’t have a bank account.

80

A way to give consumers a decentralized payment system that they can use on all their favorite mobile apps. The startup wants to replace the existing centralized payment system for mobile payments with a more decentralized system.

79

A startup that helps online retailers manage transactions and inventory transactions on its platform. It handles payments, verification, tax, and refunds for its customers.

79

This is an in-app payment system for coffee shops and diners.

79

This startup wants to help first-time home buyers who don’t have the money for down payments. It’s hoping to help people who have saved for years but still need a bit more cash to close on a home. It wants to take a few thousand dollars and give it to the buyer.

79

A global payments platform, SendFriend is a virtual bank account and payments platform that allows users to purchase goods and services without a bank account. It’s similar to TransferWise but with a focus on emerging markets.

79

A startup that wants to help companies build special-purpose blockchains for their use cases, eliminating the need to create an entirely new blockchain. The startup is currently focusing on the health industry, with an emphasis on micropayments.

79

A startup that helps companies manage their online payment options, integrating them into their own payment systems.

79

 A data platform that helps detect, prevent, and mitigate fraud on all payments. It works with banks, Venmo, and Western Union.

79

A digital payments app for merchants in India. It aims to connect merchants with their customers via a mobile-first and friction-free interface.

79

A platform for people to sell their used cars online. When a buyer agrees to buy your car, the app will handle the paperwork and payment.

79

A platform that allows businesses to pay contractors and freelancers via mobile, not PayPal. The startup wants to make it easier to pay contractors and freelancers for work, and avoid the headaches of payment processing.

78

A payment startup for the UK that allows merchants to be paid quickly and securely with a debit card.

78

A platform that connects companies to freelancers via a web app. The startup accepts payments via PayPal and credit card.

78

A tool to help teams effectively manage freelancers, with features like payment tracking and invoicing.

78

A peer-to-peer mortgage marketplace, where borrowers could get a credit score, FICO score, and a monthly payment quote by asking friends to lend money to them.

77

A digital product that detects, tracks, and pays a user’s monthly rent payments. Due to rent laws, a tenant in many areas may not legally be able to sign for a check until it’s been deposited. By the time they can, the landlord has already moved on to the next tenant, which means the tenant may have to pay the holdback fee.

77

A platform that helps small businesses manage their finances by bringing together all their bank accounts and credit cards into one dashboard for employees, and for employees to request payments.

77

A form of payment supported by the federal government that allows people to pay for taxes and other fees with an app.

77

A startup that connects real estate agents with renters, helping them negotiate and manage energy contracts and payments.

76

A startup that makes it easy for retailers to accept payments from third-party app integrations, with plans to expand internationally.

76

A startup that wants to put a common API between many banks and start to allow consumers to take debit card payments anywhere.

76

A tool for companies which allows them to set up a phone line to text customers. The idea is that companies can have a central number where they can text customers and the app can notify customers of late payments.

75

A new way to pay invoices online by eliminating the need to create and manage invoices. It allows online businesses to set up an account, specify a range of invoice amounts, and enter payment amounts.

75

This startup is building software to allow retailers to offer a new way to pay for goods and to pay their employees. The software removes the need for cashiers, since customers can just request a payment from their phone.

75

A payments company that lets users of services like Stripe and PayPal process recurring payments like car insurance or mortgage payments in a few clicks. It has raised $2.9 million from investors including Y Combinator and is currently in private beta.

75

PlaceShare is a marketplace for sharing places, and is backed by Y Combinator. This startup is building a new payments system for sharing things.

75

This startup is using mobile payments to help small businesses pay their vendors directly from their phones, reducing the need to invoice and avoid late payments.

74

A software company that uses AI to predict your monthly credit card payments, based on your current spending.

74

This company is building a service that helps small enterprises send and receive payments.

74

This startup is building a network for the more than 60 million people who don’t have bank accounts — but are still expected to receive a loan, rent payments, or pay utility bills. As a result, they often don’t have access to the basic financial services they need. Envelope lets them become a platform for next-day payment, and offers payment-by-phone for small transactions.

74

A new way to pay for goods and services. The app helps you request a payment and the mobile network operator (say, a mobile operator or telecom company) will generate a token that is then transferred to the merchant. The app will then notify the consumer to confirm the payment.

74

A startup that helps retailers process payments, and then sends them to the right bank. The team says they’re seeing a lot of traction with retailers in the US and Asia.

73

A platform to pay bills, make payments, and send money internationally. The company says it can save money for consumers and businesses by making it easier to pay bills, send money internationally and transfer funds overseas more easily.

73

A platform that helps freelancers and remote workers receive payments and manage expenses.

73

A payment processor for small businesses that provides low-cost ATM withdrawals and cash-back payments. The company wants to partner with ATMs that have locations in underserved areas that have a high concentration of cash-carrying customers.

73

A “one-time” payment service for reviews, where customers only have to pay once and then don’t have to pay again unless they choose to.

73

A B2B company that helps companies manage their supply chain operations more efficiently by streamlining it into a single network of vendors. The company helps companies manage and keep track of invoices, payments, accounts receivable, and accounts payable.

73

A platform that enables local retailers to accept payments from shoppers using mobile phones.

73

A platform for helping students better understand college loans, with an interactive quiz that helps students create a personalized repayment plan.

73

A startup that makes online payments easier for small businesses in countries where digital payments are still in its nascent stages.

73

An API for professionals to find freelance gigs and manage their portfolios and payment, as a replacement for tools like Upwork and Fiverr.

72

A new kind of payments solution that’s an alternative to a bank account.

72

A platform for enterprise app development. It lets app developers build apps on demand, with tools like user management, a marketing dashboard, a payment system, and more.

72

A SaaS tool that aims to help companies send out invoices and payments quickly and easily, with just a single click.

72

A tool for using the internet to create and sell video content. It functions more like a go-between for videographers and content owners, creating a more direct, streamlined process for rights and payments.

72

SaaS marketing platform for e-commerce retailers, with tools for product listing, collection, payment processing, shipping, and customer support. The startup wants to make e-commerce more efficient.

71

A startup that wants to make it easier for people to sell their cars. It’s working to build a mobile app that makes it easier to sell a car, find customers, and manage payments.

71

 A “frictionless” payments app that lets businesses turn debit card payments into direct deposits, enabling customers to pay without even having a card in their hands.

71

The startup is building a B2B website for hairdressers to sell clients on services like color, highlights, or trim, and to manage payments.

71

A SaaS company that helps companies with online payment solutions. The company was acquired by PayPal in 2012.

71

A digital wallet for micro-businesses that allows them to accept payments online and get payment cards in the mail. It provides a merchant account and payment card.

71

A startup that helps landlords and tenants find each other and manage their rent payments.

71

An online shopping marketplace that uses mobile payment technology to allow customers to buy and sell items from their smartphones.

71

A company that makes it easy for small businesses to accept payments via mobile phone. The startup says they’re working with 250+ companies in the UK, and have $3 million in revenue.

71

A payments platform that allows merchants to accept credit card payments in-app.

71

An online tool for estimating the amount of money they’ll need for a down payment on a home.

71

A startup that lets you send and receive payments with your bank account, but also with your phone.

70

A company that makes a more efficient way for businesses to collect their payments. The startup offers a managed service that tracks payments and reports on status, and is a consultant for merchants.

70

A startup that extends the integration of the Fintech API to make it easier for developers to integrate payments into their own app or website.

70

A Square-like mobile payment system that focuses on retail, but with a focus on cashless transactions and no fees for the merchants.

70

A subscription app that allows users to set up a recurring payment to a third party. The startup is building out a recurring payments API to serve as a base for other startups that want to create recurring payments solutions.

70

A startup that wants to build a smartphone-based payment system, with support for cryptocriteria like Bitcoin and Litecoin, to replace the credit cards people use to pay each other.

69

This is a software company that helps companies send payments in the form of cryptocurrency.

69

The company is pairing the digital technology used by banks to process payments to the physical elements of a cash machine, such as a keypad and a printer, to create an end-to-end solution.

69

Kava is building a tool for people who own coffee shops to pay their baristas via mobile payments.

69

A payments company that is building a platform to replace your bank account with a mobile app.

68

A startup that helps customers book restaurant tables, with a check-in and payment feature. It’s the first startup in India working on a restaurant booking app.

68

A mobile payments startup, focused on helping the unbanked in India, that’s created by a team of MIT grads that previously worked at a mobile payments company.

68

A messaging app for the US government that allows users to set up a “digital safety net”. Users can set aside extra money to pay for medical bills, car payments, or other expenses. The government’s been piloting the app with its own employees.

68

A money transfer app for the Philippines that helps mobile users make mobile payments.

67

A company that’s building a toolset for automating the process of sending out invoices. Their product helps companies like “hiring managers” send invoices to their clients, track payments, and get paid.

67

A payments app that can be used on any platform. The startup focuses on helping people save money by holding off on that $10 Starbucks drink for now.

67

A startup run by former Microsoft employee Jason Pelczer, that’s developing a system for companies to accept crypto payments for their enterprise software. The company is targeting companies in the financial services sector.

67

A digital payments platform for small business owners that enables them to take payments in person, over email, or via mobile. It’s currently in private beta but plans to launch publicly next year.

67

A platform that saves time for freelancers by allowing them to quickly find, book, and pay invoices, and receive payments in their account.

66

A payment app that allows users to scan QR codes with the phone’s camera and pay the bill with a single click.

66

A payment startup that offers a money transfer service for small and medium-sized businesses. The company has a network of partners that cover 90% of all businesses.

65

An “incredibly fast” and “less expensive” way to process credit card payments on the web.

65

A startup that aims to make online payments seamless for millennials and other young people who are not interested in traditional banking It is now part of PayPal

64

A digital payment platform that allows consumers to pay with their accounts without ever entering a card number.

64

A cloud-based accounting system that doesn’t just track payments but also helps companies track sales and inventory

64

A blockchain-based payment platform for digital content. The startup wants to replace the current system of content being bought and sold with a new one that’s decentralized, with long-term protection for the content and payment for publishers.

64

This startup helps businesses accept payment in cryptocurrency through a platform that breaks up transactions into small, everyday transactions that are easier to process.

64

A payment platform that allows users to make payments without constantly having to pull out their phones. It’s meant to allow payments to happen in the background and utilize location data to make sure the person paying the bill can’t pay it twice.

64

A startup that builds a software platform that lets users track public transit and payment transactions from their computer.

63

A payment technology company that works with online retailers and e-commerce platforms. The startup uses blockchain technology to enable payments between the retailer and the customer. It has been featured on the “top 10 under-the-radar blockchain startups” from CB Insights.

63

A startup that’s building a way for hospitals to automate payments between doctors and patients.

63

A startup that helps small businesses manage their supply chains. The app helps small businesses connect with their vendors, track orders, and automate the payment process.

63

A payment system for small businesses with physical locations, like a barbershop or a dry cleaner.

63

A global payments company that wants to help small business owners get paid.

63

A B2B service that helps companies manage their cash, payments and accounts via a single integrated platform.

62

a mobile payments system for India. The startup is pitching itself as a cheaper alternative to the likes of Google Wallet and Paytm.

62

A micro-payment platform for small businesses and freelancers. The startup is building a platform that enables small businesses and freelancers to accept micropayments via PayPal or their own branded payment processor.

62

A mobile payments company that provides a way to pay in-app purchases through Apple Pay, Android Pay, and Samsung Pay.

62

A payment platform with built-in security safeguards.

62

A startup that helps entrepreneurs in San Francisco to get paid faster, and in the process, cuts down on fraud and lost payments.

62

They’re a blockchain company that uses a smart contract to help companies manage collateral and loan payments.

61

A smart contract-based, decentralized cryptocurrency that allows for secure online payments.

61

A startup that helps business send out invoices, collect payments, and generally manage a business’s finances.

60

A tool that helps people manage their rent payments, creating a digital ledger of when payments are made, and of any late fees or collection calls.

60

A digital process for companies to track and manage contracts, from procurement to invoicing and payments, all from a single platform.

60

This startup wants to create a unique way to pay for items online that goes beyond a checkout. It allows payment to be made with a phone’s fingerprint, and will allow merchants to accept payment in-app. They have released a beta app which has been downloaded by 2,000 users. It plans to release a full app in the fourth quarter of 2019.

60

A platform for companies to more easily and securely accept digital currencies, with plans to integrate with all major payment gateways.

59

A startup that aims to make it easy for companies to pay contractors and freelancers by making it easy to build and manage a payment system.

58

A way to facilitate payment between people that live in countries that have different currencies.

58

BookNow is a service for online ordering and payment for food, flowers, theater tickets, and more. The company claims it has sold over $10,000 worth of tickets in four months. They’re also getting some attention from investors.

58

A platform for video creators to monetize their content, using direct marketing and payments.

58

A payments company that connects merchants with payment processing services.

58

This startup is building a software platform to help people, from mom-and-pop shops to large retailers, to accept payments from more than one bank at a time.

57

A platform for small businesses that wants to help its users automate tasks like invoicing, tracking inventory, and managing transactions. The startup processes payments and can automate tasks.

57

A startup that wants to build a platform for physical goods merchants to sell online and receive payment in real time.

57

An “API for the public sector,” offering a portal for payments, project management, and services.

56

A startup trying to bring payments made through a physical credit card to cash-only establishments. The startup is pitching its service as a way to bring cash-only businesses into the digital age.

56

This company wants to be a payment platform for businesses that want to accept cards from both Visa and Mastercard, including Square of course.

56

A digital payment solution for baristas that allows them to accept credit cards, debit cards, and Apple Pay payments. The startup is currently focused on the US market.

56

A digital platform for retailers to sell products without needing to collect payments.

55

A platform that allows for GPS-enabled payments where customers can pay for parking at over 3,000 locations in the U.S. via their smartphone.

54

A software for handling payments for online services, like Amazon.

54

 A business that helps small businesses get paid online, through a service that takes payments online and then processes them later.

53

A cross-border remittance platform that allows people to pay for international payments in US dollars.

53

A payments company that serves high-volume ecommerce merchants. It’s in the process of launching a service that will enable online sellers to offer rewards to buyers.

53

A digital currency for the global market. It’s first product is a stablecoin for local currency payments in the US and across the world.

53

A digital payments service for US consumers

53

A company that allows employees to set up standing orders and bank payments for their customers

53

An online payments solution for small businesses in the finance, insurance, and healthcare verticals.

52

A platform for online retailers to sell products, primarily on Amazon, Shopify, and AliExpress. The startup wants to provide more of a full platform for e-commerce companies, allowing them to accept payments, manage inventory and payment processing, and integrate with Stripe to get paid.

52

A payment API for individuals and businesses to manage their payment types and preferences. The startup is looking to make it easier for people to get paid and make payments.

51

This startup is a monthly subscription service that aims to make cross-border payments as easy and frictionless as possible.

51

A “digital credit card” for the blockchain-based payments market.

51

A payments app for freelancers, agencies, and agencies. The startup wants to help businesses manage and pay for freelancers.

49

A payment platform for mobile airtime cards and prepaid calling cards

49

A startup that aims to integrate payments into customized retail experiences. The startup helps retailers connect with shoppers, and it’s already in a few pilot programs.

49

A startup that makes a tool allowing any organization to track their contributors and payments in real-time. The startup is currently focusing on helping NGOs track the status of their contributions.

49

A startup, built for the construction industry, that helps manage suppliers’ payment terms

49

A payments startup that helps merchants accept all major credit cards by charging them the same price. PayMill charges the merchant a flat 2.5% fee for every credit card transaction.

49

A startup that offers an online platform for medical billers to more easily collect payments from patients.

48

A payment service for freelance work that will make it a lot easier for people to pay their taxes.

48

A startup that's creating a digital bank statement for businesses, allowing them to see and manage all their expenses, payments, and payments receipts.

48

A way to make payments and transactions easier for the 2 billion people that still don’t have access to credit cards.

48

A digital wallet that allows merchants to accept a variety of digital payments with the same phone-based experience.

48

A payments company that uses the Ethereum blockchain to “build a decentralized, secure, and transparent payments network.”

47

Helps companies manage their customer relationships, including payments, strategy, and communication.

47

A software platform that facilitates the integration of payments into software apps, making it easier for developers to build and monetize their apps.

47

A mobile payments company that uses a combination of SMS and M2M to allow merchants to accept payments directly from their customers.

46

A mobile app that helps you build up your savings to reach a goal, like a new car or a down payment on a house. It’s currently UK-based, with expansion to the US planned for 2020.

46

A B2B service hopes to help companies with electronic invoices, payments, and better employee communication.

46

A company that plans to create a new kind of payments system that is more secure, transparent, and consistent across the globe. It aims to be a way for the entire world to transact in cash.

46

A shipping and payment service that wants to help Indian companies ship and receive packages faster.

46

A startup that provides a way to share rental payments in the UK. The company wants to make it easy for small businesses to pay someone else’s rent rather than their own.

45

A startup that allows companies to make payments to contractors via Amazon Web Services.

45

A point-of-sale application for restaurants, allowing them to accept payments online and mobile.

45

This startup starts with a mobile app that can take payments for rent.

45

A $50 million per year B2B startup that gathers data from credit card transactions, then matches the data to the person’s payment history to make sure they’re getting fair credit.

44

The company is building a B2B payments platform for small and medium businesses

44

A startup that wants to help banks scale payments using the cloud by letting them use APIs to let others tap into their systems.

44

A tool that helps freelancers find work, with tools for payment, contracts, and invoices.

44

A free online tool for freelancers that simplifies the process of finding reliable clients, vetting them for quality, finding payment terms, and more.

44

A tool for quick and easy online payments. The startup’s founders say that customers are demanding a more efficient way to pay. They are planning to launch a product in the next few months.

44

A new payments company, which provides its own service for quick and easy vendor management, and then allows companies to integrate the service into their own payment processes.

44

A software company trying to solve the problems with digital payments in developing markets, where mobile banking is still a novelty. The startup wants to provide a solution that’s simple, easy, and secure.

43

A B2B company that aims to help retailers manage all of their account receivables (credit cards, store cards, and payment cards) from a single platform. The company is selling to retailers and merchants in the US and Latin America.

43

A payment system for small businesses in the Philippines, with a focus on remittance, based on a user’s location. The startup wants to target merchants with a high volume of transactions but low capacity, such as small shops and restaurants.

43

A tool for small businesses to set up their own internal and external Payoneer accounts, and use the platform to make payments, invoicing, and other tasks.

43

A payment processing company that helps independent contractors simplify the process

43

An advertising platform for artists that uses blockchain technology to smooth out the payment process. ArtPro is building a DApp on Ethereum that will allow artists to sell their digital work directly to their fans.

42

A new payment option for cities. The startup is giving cities a new way to pay for things, with programs that work with existing infrastructure but also with the company’s own private network.

42

A global payments platform that connects businesses to their local community.

42

A company that’s building tools that send and receive money from people’s bank accounts. Using the software, people can send money to each other and keep an account for receiving payments. The app can be used by anyone in the country, and is available to customers through a bank account in the US.

42

A tool that helps companies calculate their healthcare costs, prices, and monthly payments.

41

Shoppers are no longer satisfied with the bulky, slow, and expensive payment options available today. Shift wants to provide the option of paying with cash at local stores.

41

A platform that helps people run their freelancer workflows, helping them manage invoices, payments, and other interactions with clients.

41

A company that helps people with student debt consolidate their debts and pay them off, sometimes with a single monthly payment.

41

A B2B SaaS company that helps employees communicate with one another and receive pay, benefits and bonuses. It’s built for larger companies with at least 1,000 employees and requires a proprietary API for payment and payroll integration.

41

This startup is creating a tool for small businesses to manage their finances by sending invoices and tracking payments.

40

A platform that allows customers to make recurring payments — and keep money in the bank — for things like gym memberships or recurring mortgage payments.

40

A company that’s building a platform where you pay a monthly fee to use a service to manage your contractors. The startup is taking a page from the Automated Clearing House (ACH) system, which lets banks settle payments between banks.

40

A startup for people to buy and sell products directly from their phones, and for sellers to receive payment via Venmo. The company is looking to expand into a marketplace with services like insurance and education.

40

A startup that allows businesses, restaurants, and other organizations that have a point of sale system to accept payments with just a swipe of a card.

40

A tool that helps with all aspects of booking training and events. It helps you find venues, speakers, and attendees, and generates an end-to-end proposal for pricing and payment.

40

A startup that automates the process of producing invoices and tracking payments for small businesses, including accounting.

40

A payment solution for contractors and service providers. The company has a base of high-volume users in the US and is looking to expand internationally.

40

SaaS business that provides a platform for companies to manage their payments and invoices from anywhere in the world.

40

A simple, secure online payment tool, similar to Paypal. The app allows users to send money to friends and businesses in their area.

39

A two-sided marketplace for ads, designed specifically for blockchain and cryptocurrencies, and backed by Y Combinator. The platform will allow publishers and advertisers to sell digital advertising at an auction, then use smart contracts to facilitate payment.

39

A product that helps merchants accept payments over a mobile phone, without requiring a merchant account.

39

A tool for the finance industry to track and report on customer payment history.

38

A B2B marketplace that enables businesses to connect with suppliers and manage orders and payments.

38

This startup is building a platform for restaurants to manage their staff’s schedules and payments. Redshift is essentially a company payroll app that helps restaurants manage their scheduling and payroll in a scalable way.

38

A startup that will allow you to automatically receive payment for your work via AI. The company has raised $1.2 million.

37

A pitch for a health insurance platform that enables users to use a smartphone to view their health data, make payments, and receive regular communications from a doctor.

37

A payments company that allows you to take payments for your health and insurance over the phone, rather than on your phone or website.

36

A company that allows people to create customized “banking services” for themselves, from getting their paychecks directly deposited to arranging overdraft protection or making payments online.

35

A tool that helps companies and organizations get their customer interactions and payments into a single interface. The startup wants to make it easier for companies to get paid for their customers’ transactions.

34

A credit card payment platform that lets merchants accept credit cards on a physical retail location, without the risk of that location failing to pay the merchant.

34

A web-based platform that allows users to create and manage custom-made credit cards to make online payments. They also offer an API for customers to build their own solutions on top of.

34

A platform for selling and buying your car or truck, financed with a monthly payment. The startup sold its first loan in May with former GM executive, Mark St. Pierre, leading the company.

34

A peer-to-peer (P2P) payment app that allows you to transfer money to your friends and family.

33

An API for e-commerce websites to easily integrate their shopping carts with a payment gateway.

33

A digital payments application for small businesses that replaces a bank account, credit card, and direct debit. The B2B business uses the same technology that allows a company to charge purchases to a credit card.

33

A software company that aims to provide a suite of tools to help people avoid missing payments. It handles a lot of the back end for consumer finance companies, including student loans and credit cards.

32

A software-as-a-service platform that allows companies to send automated payments to contractors, freelancers and consultants. Work Hub is designed to help B2B companies with the complexity of payment processing.

32

A payment processor for local Malaysian online sellers. It serves as a gateway between sellers and local banks, allowing sellers to deposit funds or make payments into their accounts.

31

The company wants to make it easier for small- and medium-sized businesses to process “smart” payments.

30

A next-generation payment and loyalty system that uses AI to recommend which customers will spend more. The company creates a “composite” of customers based on their buying and a variety of other data points.

29

A company called SmartPay that claims to be building a service that allows merchants to accept digital currency payments without having to install a terminal.

29

A health insurance app which allows users to submit their medical claims and payment information with a couple of taps on their phone. The startup is a bit of an interesting case study for the healthcare sector. They launched in March and have over 1,000 customers already. They're profitable for the first time.

29

A mobile payment app that allows you to pay for things like groceries, utilities, parking, etc. in real time, allowing you to settle your bill instantly through your phone.

29

A software company that helps small businesses run their inventory, from stocking to payment processing. The startup wants to make the process of running a retail store “easier, faster, and cheaper”.

29

A platform that lets you build a financial plan to get debt repayment, saving, and retirement in the right order.

28

A digital currency that works with existing payment systems like PayPal.

27

A software-as-a-service platform that helps B2B companies build mobile apps, customizing the experience for different market segments. It offers a variety of features from telemetry to payment processing to social media support.

27

An AI-powered chatbot that helps consumers with their payments, including mobile wallets.

27

A startup that’s building a “self-serve” payment system for restaurants. It’s a product of the food-tech world, with the goal of streamlining the process of paying for orders.

27

A startup that helps businesses manage their payments and invoices, which the founders say is significantly more effective than spreadsheets. It aims to be a full-stack solution for companies in need of a better way to manage their accounts receivable.

26

The startup is pitching itself as a “social ATM” that will let you make payments in person and online through a single app

26

Building a real-time payments platform for retail merchants.

26

NzDrive is a software company that makes it easier for people to get their hands on a car, even if they don’t have a credit score or a down payment

26

A platform that helps businesses like accounting, legal, and human resources departments manage the paperwork, invoicing, and payments for companies all in one place.

24

A system for managing payments and inventory for restaurants, including a point of sale system. It’s also a local marketplace with delivery services. It currently has 14 employees.

24

A new way to make mobile payments with

24

This startup wants to solve the problem of keeping track of customers’ payments for businesses and helps them with a phone app and a digital solution that they claim are more accurate and cheaper.

23

A startup that’s building a text-based payments platform for the people of the developing world. The company offers an alternative to Venmo for users in countries like Kenya, Nigeria, and India.

23

A platform that provides users with a way to set up and schedule payments, sending invoices and money requests, and making payments.

23

A startup called Ava is the first to offer a solution to the “last mile problem” in ride-sharing. It’s a payment system that allows riders to send money to driver partners via Venmo.

22

A payroll company for Amazon and other online retail businesses. It’s a SaaS service that helps Amazon sellers manage their workers and payments.

22

A student loan refinancing company that helps borrowers get out of student debt by consolidating all their loans into one. It aims to make this process as simple as possible by allowing borrowers to make payments via their credit cards.

22

A startup that wants to build a network of pay-as-you-go electric cars. LightBlue wants to break down the barrier between electric vehicles and cars, allowing people to make monthly payments and switch between models as they need to.

22

A company that’s building an API for making payments with Bitcoin, which could make it easier for companies to accept Bitcoin payments.

22

The fund focuses on two themes: 1) creating new tools to enable better access to financial services (including micro-credit, financial products, and payment systems) and 2) creating new technologies for improving the quality of health care.

22

A platform for small businesses to rent or lease their storefronts, with a backend API that developers can use to build apps for managing rental inventory and payments.

21

A startup that provides merchants with tools to manage their cash flow, including an online platform to make payments. It has over $100 million in transactions, and processes about a million dollars in payments per month.

21

This is a book publisher that helps authors make money from their work, by selling digital and physical copies to readers, then compensating authors with royalty payments on each sale.

21

A financial app for students that helps colleges accept payments directly from a student’s bank account, instead of charging fees or taking checks.

20

A more personal way to pay back student loans. The startup helps students manage their debt by putting on an income-based repayment plan. It’s a platform for students to create a customized plan and manage their debt.

20

A startup that wants to help people with specific challenges, like people with epilepsy or those who want to run marathons. It’s is already has 4,500 users, and manages over $6 million in payments.

20

A text-based banking app that helps users make secure payments, like transferring money into a friend’s bank account.

20

A platform for D2C transactions that lets users set up payment and delivery on the same platform. The company claims that, because it includes both sides of the transaction, it’s easier for the companies to manage.

18

a service that facilitates a mutual fund for a specific goal, such as retirement or a down payment

18

The company is building a decentralized overlay payment platform that helps banks and e-commerce companies to build and manage loyalty programs.

18

A software company that provides a platform to help companies sell their products and services to governments, nonprofits, and businesses. The platform allows for both quotes and payments to be made.

17

A payment platform that allows stores to take credit card payments directly from customers. The startup provides technology to stores to collect credit cards and data on customers. It also operates a cashier-less store with integrated technology.

17

FinTech startup that allows people to send payments via text message.

17

A new way to make mobile payments with no fees and no limits. It’s only available in the US and is in the process of getting a $5 million seed round.

16

The startup is an online tool for getting and processing student loan payments.

16

This startup aims to help users of the cryptocurrency Ethereum create and manage DApps on their own platform. The DApp Store will let users deploy and manage their apps, and will be powered by a decentralized transaction system that allows users to send and receive payments for their work.

16

A platform which aims to cut the cost of organizing and managing events by making it easy to book riders and vendors, and to collect payments.

16

A blockchain-based payment system for the sharing economy.

15

A mobile payments solution for mobile network operators (think AT&T and Verizon). The mobile payments startup wants to be the first mobile payments platform to offer both mobile network operators and mobile carriers a platform to build mobile payments solutions.

15

A mobile payment system that works on the Android platform.

15

A startup that helps small businesses use their phone to do basic accounting. The company is working with complex micro-payments, inventory management, order-taking, and invoicing.

15

Idea: A cashback service for blockchain payments (eg paying with bitcoin for a meal at a restaurant)

14

A startup based in India that helps fast food restaurants to manage online ordering and payment.

14

The company wants to make it easier for consumers to pay bills. The startup, which launched in June, has partnered with about 200 companies, including ADT, Best Buy, and Etsy, to offer bill payments via text message.

14

A way to manage a person’s rent payments and other living expense in a single, easy to use interface.

14

Zulberry is a mobile payments and commerce platform aimed at growing business in emerging markets. The company wants to become a more effective digital alternative to cash.

14

A mobile payment system for freelancers, with clients set up to receive invoices directly on their phones. It’s currently in private beta.

14

A financial services company that provides loan payments and collection services. The startup is now profitable and has a $4.5 million valuation.

13

A platform that helps companies collect payments from customers, bill employees, and send payments to contractors.

13

A new kind of credit card that people use to pay for things, rather than just for rewards. FollowMyMoney is a full-service card, which includes a payment platform. It’s not a Visa card, but it’s meant to offer the same type of flexibility and rewards.

13

This startup wants to create a solution that allows users to send payments and send security codes to each other, eliminating the need to get a physical transfer.

13

A way to pay taxes in the Philippines. Tenpay became the first company to launch a digital tax payment system in the country.

13

A global payments company that wants to reduce the friction of international money transfers and make them easy and seamless for consumers. The startup’s product is a platform that uses “local currency bias” to make international transactions as easy as possible.

13

A startup that provides software for connecting to multiple payment gateways

13

This startup is building a system that lets you use your phone to manage your personal finances, including your credit card, loan, loan repayment, and savings.

13

A payments startup for small businesses in India, which wants to make it easier for SMBs to accept payments from major banks.

12

A new type of credit card that functions like a debit card but with the ability to make payments without any money changing hands.

12

A company that helps event organizers organize their events, including venue booking, logistics, and payments.

12

Making payments easier for the unbanked, this startup says it is building a crypto-enabled, off-the-grid payment system that will let users send and receive money to their phones.

11

A startup that wants to help banks process payments without relying on expensive and poorly-functioning legacy systems.

11

A mobile-first, cross-device payment solution for businesses.

11

The app lets you make money when your friends want to buy stuff from you. The app creates a “payment” link when you post a photo of an item. When a friend clicks the link, they’re charged a commission on the sale.

11

A software company that hopes to make it easy for Indian businesses to accept online payments.

10

A credit card-like card that uses biometric data (like fingerprints or palm prints) to authenticate users. It is a way to make mobile payments easier, as the card can be linked to the user’s mobile phone numbers.

10

A company that wants to help corporations with payments for conferences, events, and other recurring payments.

10

A startup that makes it easier for people to get home deliveries from local restaurants, as well as offers a mobile payment system.

10

A mobile payment system for mobile commerce, which supports pay-as-you-go mobile wallets, cash on delivery, and mobile carriers. The startup has partnerships with mobile carriers in India, Indonesia, and Malaysia.

10

A startup that provides a blockchain-based solution for cross-border payments.

9

InstaGro is building a tool to help small businesses manage their invoices and payments, and to automate the tedious process of sending out invoices.

9

A startup that helps consumers to make sense of their mortgage payments, saving them time while also helping them make smarter financial decisions.

9

A startup for landlords to manage their tenants, including rent payments, eviction notices, and correspondence.

9

A credit card that rolls bills into one monthly payment.

9

A payment system for retailers that allows them to safely accept payments via mobile carriers.

9

An online payment platform that lets people pay their friends through Venmo. Payalu is backed by Y Combinator, 500 Startups, and others.

9

A startup that allows people to pay their bills and more online. It is a web and mobile app that helps people manage their expenses, track the status of their bills, and make payments.

8

Built for the entertainment industry, the startup wants to create a universal currency for the industry. The currency is meant to be used in software and streamlining payments.

8

A platform for the “unbanked” in developing economies, this startup is building software to allow people to get loans and make payments without using traditional banks.

8

This startup wants to take the rigmarole out of paying bills. The company aims to be the “Uber for payments”, the startup says it processes over $200 million in payments per month. It hopes to take a 15% cut of each transaction.

8

A startup that helps small businesses make online payments. It has an iOS app, an Android app, and an API for third-party apps.

7

A company that helps local businesses accept payments via the blockchain, using the Stellar blockchain.

7

A startup that wants to help secure payments by creating a payments platform that’s easy for small businesses to use.

7

A digital tax filing and payment system for small businesses in India, providing a single platform for tax payments and receipts.

7

The core of this startup’s business is providing merchants, service providers, and other businesses with a single source to get paid. It serves merchants with invoices, payments, and accounting.

7

An agreement among the world’s largest banks to offer payments to businesses in developing countries via SMS.

6

A tool for crowdfunding on the blockchain, where the funds are held in a wallet, instead of a bank or payment processor, and can be transferred to multiple investors.

6

A new app that lets users make real-time payments with digital currency. Payments are processed through the App with the user selecting the amount and then sending it to the merchant through the App.

6

A platform for simple, instant mobile phone payments for businesses. The company is hoping to serve as a payment gateway for developers hoping to make their apps easier to use.

5

A company that offers a new way to invest in real estate. The startup’s platform offers monthly payments of invested capital with a fixed rate of return on a pool of real estate investments. It’s a p2p lending platform, and its first customers are on a waitlist.

5

Idea: A payment processing startup that offers a “one stop shop” for merchants to accept payments. They’re currently working with a few large online retailers and are looking to go international.

2

Idea: A hardware product that seamlessly integrates with your existing credit card reader so that you can accept credit card payments in person.

0

Idea: A new consumer-focused mobile payments app to replace credit cards The company aims to reduce friction by letting users buy things with their phone instead of having to pull out their wallet They want to replace everyone’s credit card information The startup has processed over $1MM in payments

-1

Idea: A system for managing and tracking payments in the insurance industry

-1

Idea: A platform for B2B payments and invoicing

-1

Idea: A software company that’s building a tool that helps lawyers and other legal professionals manage their case load It does this by building predictive models that help lawyers understand how they’re spending time, who they should be billing, and how to allocate their time more efficiently It also helps process payments The startup has $0 in funding and was founded in 2017

-1

Idea: A software company that’s building a tool to help law firms process payments

-1

Idea: Remote payment processing for small companies

-1

Idea: A startup for restaurants to purchase quality food and service from local chefs and cooks The startup will handle scheduling, payments, and logistics

-1

Idea: A software company that helps non-profits and NGOs integrate with payment processors and other fintech services

-1

Idea: A business that wants to help startups and other companies process invoices and payments

-1

Idea: A company that provides a network for warehouse workers which manages logistical information and provides them with payments for their work

-1

Idea: A startup that offers a way for people to receive payments via SMS, with a $3 million in monthly recurring revenue

-1

Idea: A startup that helps e-commerce businesses set up an online shop and streamline their payments processing, with a focus on offering recurring billing options for SaaS businesses and subscriptions

-1

Idea: A home services marketplace that offers reduced commissions to contractors working for customers in the US They’re looking to handle the entire process on the backend, from scheduling and payment to cleaning and service

-1

Idea: A B2B startup that sells a tool that helps other businesses solve key management problems. The startup helps other businesses track their inventory and manage payments.

-1

Idea: A startup that wants to replace your wallet with a digital payments card, with one card that works everywhere. They charge a fee for the card, and also receive a cut of the fees merchants pay for the transaction.

-1

Idea: A startup that helps addiction treatment centers find clients, and that offers billing and payment services.

-1

Idea: A payment processing company for online retailers, helping them avoid fraud and chargeback fees.

-1

Idea: A company that offers an API for receiving payments through SMS. The company’s pitch: “We make money moves.”

-1

Idea: This startup helps brick-and-mortar businesses collect payments on their websites and apps.

-1

Idea: A startup that provides a payments API for developers building offline commerce apps.

-1

Idea: An easy-to-use tool for managing payment plans for monthly B2B services. The company says they have a 5% churn rate and are working with 2,500 customers.

-1

Idea: A software as a service company that sells an enterprise software platform to manage all of the administrative and financial details of an import/export business. The startup has a special focus on helping small businesses secure loans or payments from a bank.

-1

Idea: A startup that wants to become the Stripe of Brazil. It has a payments solution to help anyone accept payments online and in-person.

-1

Idea: A Brazilian startup that wants to be the Stripe of Brazil, helping e-commerce companies accept credit card payments.

-1

A software company that provides a platform for banks to use to enable e-commerce payments on their sites.

-1

A new mobile payment system that makes it easy for users to pay with their phone at restaurants. Users can make purchases of up to $5 by simply showing a digital code to the cashier.

-1

A software company that makes it easy for Indian businesses to accept payments and track customer information via a mobile app.

-1

A software company that provides a cloud-based platform for managing online payments for Indian businesses.

-1

A startup that provides a platform for small businesses to accept and manage payments online.

-3

A financial technology company for managing online payments in emerging markets.

-3