125 YC Payments Startups (Fintech)

125 YC companies fall under Payments, YC's Fintech subcategory, across every batch since 2005. Each row shows the one-liner, batch, HQ and status, and links to a reconstruction of the company's YC application in the real form.

Companies
125
Top locations
San Francisco, Bengaluru and Lagos
YC top companies
5
125 reconstructed applications

Read the YC application of all 125 companies

  • Every company's YC application, reconstructed in the real form
  • Filter every batch by industry, country and team size
  • Then find the investors who fund startups like yours

The first 100 companies, top companies first

1
Paystack
PaystackTopModern payments infrastructure for Africa
Winter 2016Lagos, LA, NigeriaAcquired
3
Sendwave
SendwaveTopInstant, no fee international remittances.
Winter 2012Boston, MAAcquired
4
Wave
WaveTopMobile money app for Africa
Winter 2012Dakar, Dakar Region, SenegalActive
5
WePay
WePayTopPayments for platform businesses.
Summer 2009Redwood City, CAAcquired
6
Afriex
AfriexInstant, low-fee remittances
Summer 2020San Francisco, CAActive
7
Akudo
AkudoIndia's first learning-focused neobank for teenagers
Summer 2021Bengaluru, KA, IndiaInactive
8
Alaan
AlaanModern finance platform for the Middle East
Winter 2023Dubai, Dubai, United Arab EmiratesActive
9
Allowance
AllowanceScoped payment credentials for AI agents
Spring 2026San Francisco, CAActive

That is 10 of 125.

Every company below has its YC application reconstructed in YC Insights. Create a free account to read them all.

Read all 125 applications
11
Arrow
ArrowModern Checkout Platform for D2C brands in Southeast Asia
Summer 2021Singapore, SingaporeActive
12
Aspire
AspireAll-in-one Finance OS for businesses
Winter 2018Singapore, SingaporeActive
13
Atrato
AtratoEnabling consumers split the cost of purchases without a credit card
Winter 2021Mexico City, CDMX, MexicoActive
14
Balance
BalanceThe first digital payment experience company, built for B2B.
Summer 2020San Francisco, CAActive
16
Blaze
BlazeGlobal Venmo for cross border payments
Summer 2024Mexico City, CDMX, MexicoActive
17
BlindPay
BlindPayStablecoin API for global payments
Winter 2025San Francisco, CAActive
18
Bridgecard
BridgecardCard issuer for Africa
Summer 2022Lagos, LA, NigeriaInactive
19
BukuWarung
BukuWarungAccounting, Payments & Credit app for 60M micro-businesses in…
Summer 2020Jakarta, Jakarta, IndonesiaActive
21
Capi Money
Capi MoneyHelping businesses in emerging markets make pay their international…
Summer 2023London, England, United KingdomActive
22
Carbon-12 Labs
Carbon-12 LabsA Global Payouts API for Startups
Winter 2020Inactive
23
Cardda
CarddaAll-in-one spend management for businesses in Latam
Winter 2022Santiago, Santiago Metropolitan Region, ChileActive
24
Cashfree Payments
Cashfree PaymentsNext-gen digital payments provider for India.
Summer 2017Bengaluru, KA, IndiaActive
26
Charityvest
CharityvestA premier charitable giving account, for everyone.
Summer 2020Atlanta, GAAcquired
27
Cheqout
CheqoutMobile ordering & payments for Brick & Mortars
Winter 2021San Francisco, CAInactive
28
Coco Wallet
Coco WalletYour global dollar account powered by stablecoins
Summer 2019New York, NYActive
29
Consul
ConsulThe Stablecoin Payouts Platform
Winter 2024New York, NYActive
31
Cuanto
CuantoBuilding the operating system for developing world merchants
Winter 2019Panama City, Panama, PanamaActive
32
Cypher
CypherCrypto Neo-Bank (WhatsApp moment for bank accounts)
Winter 2022Palo Alto, CAActive
33
Dots 💸
Dots 💸Developer friendly drop in payouts infrastructure
Summer 2021San Francisco, CAActive
34
Drip
DripShop and pay in installments anywhere
Summer 2022São Paulo, SP, BrazilInactive
37
ECSA
ECSAAI Agent runs the entire international trade operation
Summer 2022Manaus, AM, BrazilActive
38
Elevate (formerly Bloom)
Elevate (formerly Bloom)US based USD accounts for non-US residents
Winter 2022Dubai, Dubai, United Arab EmiratesActive
39
FamPay
FamPayIndia’s first neobank for teenagers
Summer 2019Bengaluru, KA, IndiaActive
41
Fintoc
FintocAccount-to-Account payments in Mexico and Chile.
Winter 2021Santiago, Santiago Metropolitan Region, ChileActive
42
Flex
FlexStripe for HSA/FSA payments
Summer 2023RemoteActive
43
Flinto
FlintoMexico's digital wallet
Winter 2018Mexico City, CDMX, MexicoAcquired
46
Flux
FluxFlux is building the payment network for alternative payments in…
Summer 2019Mexico City, CDMX, MexicoActive
47
Forage
ForagePayments infrastructure for government benefits
Summer 2021San Francisco, CAActive
48
Gas Pos
Gas PosModern Point of Sale for Gas Stations and Truck Stops
Winter 2020Little Rock, ARActive
50
GuruHotel
GuruHotelAI-native direct booking infrastructure for global hospitality
Winter 2020Mexico City, CDMX, MexicoActive
51
HitPay
HitPayPayments infrastructure for businesses scaling in APAC
Summer 2021Singapore, SingaporeActive
52
HUBUC
HUBUCGlobal Card Issuing and Payment Processing Engine
Winter 2021Barcelona, CT, SpainActive
53
Hyper
HyperSell memberships to your Discord server
Summer 2021Palo Alto, CAAcquired
54
inai
inaiSegment for global payments
Summer 2021London, United KingdomAcquired
55
Infinia
InfiniaMove money programmatically
Winter 2023Active
56
Infinite
InfiniteGlobal B2B Stablecoin Processor
Winter 2025San Francisco, CAActive
57
Infinity
InfinityBusiness banking for cross-border SMBs & Startups
Winter 2024Bengaluru, KA, IndiaActive
58
JABU
JABUB2B payments, transforming Africa's cash economy
Summer 2021Windhoek, Khomas Region, NamibiaActive
60
JustPaid
JustPaidBilling Automation for B2B that actually works.
Winter 2023Mountain View, CAActive
61KashWe are fixing how money works.Summer 2014San Francisco, CAAcquired
63
Kinside
KinsidePowering the $648b Care Economy
Summer 2018San Francisco, CAAcquired
66
LotusPay
LotusPayRecurring payments solution for businesses in India.
Summer 2017Bengaluru, KA, IndiaAcquired
67
Magic
MagicPay by Bank Platform
Summer 2022Inactive
68
Malga
MalgaMalga is an API to accept payments with multiple payment providers
Summer 2021Rio de Janeiro, RJ, BrazilActive
70
Meter Feeder
Meter FeederHelping fleets find and pay parking tickets
Winter 2016Pittsburgh, PAActive
72
Mono
MonoEmbedded finance infrastructure for LatAm enterprises.
Winter 2022Bogotá, Bogota, ColombiaActive
73
Moreta
MoretaPayments made easy for international travelers.
Summer 2024San Francisco, CAActive
74
Nomba
NombaBanking and payments for businesses in Africa
Winter 2017Lagos, LA, NigeriaActive
75
Nomod
NomodThe UAE’s leading small business payments platform
Summer 2021Dubai, Dubai, United Arab EmiratesActive
76
OkCredit
OkCreditSimple and secure bookkeeping for Indian businesses.
Summer 2018Bengaluru, KA, IndiaActive
77
OneText
OneTextFrictionless payments via SMS
Winter 2023San Francisco, CAActive
78
Pagaloop
PagaloopPay, Get Paid and Extend Cash Flow using your Credit Card as…
Winter 2021Mexico City, CDMX, MexicoActive
79
Palla
PallaP2P Cross border payments
Summer 2021RemoteActive
80
Payfura
PayfuraGlobal payment gateway to buy/sell crypto
Summer 2022Delaware City, DEInactive
81
PayMongo
PayMongoModern online payments for the Philippines
Summer 2019Taguig, NCR, PhilippinesActive
82
PAYZE
PAYZEStripe for former Soviet Union countries
Summer 2021Tbilisi, Tbilisi, GeorgiaActive
83
Peakflo
PeakfloAgentic workflows that automate your back‑office operations
Winter 2022Singapore, SingaporeActive
85
Pideaky
PideakyWe help offline LatAm SMBs manage and accelerate their cash-flow
Summer 2021Monterrey, N.L., MexicoActive
86
Plate IQ
Plate IQAutomated Accounts Payable
Summer 2015London, United KingdomActive
87
Plumter
PlumterFinancial tools for cross-border trade
Winter 2022Lagos, LA, NigeriaActive
88
Rebill
RebillGlobal payments infrastructure in LATAM and US
Winter 2022Buenos Aires, CABA, ArgentinaActive
89
Request Network
Request NetworkRequest is a payment request technology & an ecosystem of apps
Winter 2017Paris, ÃŽle-de-France, FranceActive
90
Rio
RioLATAM’s largest stablecoin FX and liquidity provider
Summer 2022Mexico City, CDMX, MexicoActive
91
Safepay
SafepayDigital payments for businesses in Pakistan
Summer 2020San Francisco, CAActive
92
Satchel
Satchel
Summer 2018San Francisco, CAInactive
93
Shor
ShorInternational payroll, built for founders
Summer 2025San Francisco, CAActive
94
Slicker
SlickerRecover payment failures and maximize subscription Revenue
Summer 2023London, England, United KingdomActive
95
SlidePay
SlidePayBanking and Payment Platform APIs. Exited October 2014.
Winter 2012Mountain View, CAAcquired
96
Slope
SlopeThe B2B Payments Platform
Summer 2021San Francisco, CAActive
97
Streak
StreakA neo-banking platform for children in India
Winter 2022Bengaluru, KA, IndiaActive
98
Striga
StrigaCompliant Crypto and Banking Infrastructure
Winter 2021Tallinn, Harju County, EstoniaAcquired

The other 25 companies

Every remaining company in this list, A to Z. Each link opens the company's public page.

Applying to YC? Study these applications first.

YC Insights holds the reconstructed application of every company on this page, filterable by batch, industry and country, next to 60,000+ investors who fund startups like yours.

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About this list

This list is part of Round Funded, an investor database and outreach platform for founders. It covers 60,000+ active VCs, angels, family offices and accelerators with verified contacts, lets you send pitches from your own Gmail, and includes a free Data Room for your raise.

Frequently Asked Questions

How many Y Combinator companies are in Payments (Fintech)?

This directory lists 125 YC companies in Payments (Fintech), out of 6,207 across every batch since 2005. The count updates when the directory is refreshed, and every one of them is on this page with a link to its public profile.

Are the YC applications on these pages real?

No. YC keeps submitted applications private. Every application linked from this list is a reconstruction: the real YC form questions, answered from the company's public data. The Company section is free on each page; the rest opens in YC Insights.

Which companies on this page are best known?

Paystack, Razorpay and Sendwave lead the table above. YC marks 5 of the 125 companies here as top companies, its own list of the highest-valued and highest-revenue alumni.

How do I use this list when applying to YC?

Pick five companies on this page whose product is closest to yours, read their reconstructed applications side by side in YC Insights, and note how each answers the same question. Then write your own answers to that standard.

Where does this data come from?

From YC's public company directory, refreshed by batch, with each company's status, industry and location as YC reports them. Round Funded adds the reconstructed application and the founder profiles; nothing private is published.

What is Round Funded?

Round Funded is an investor database and outreach platform for startup founders. It lists 60,000+ active investors with verified contacts, filtered to recent investment activity, and lets founders send personalized pitches from their own Gmail, track replies, and share a free Data Room. Round+ starts at $99 per month with a 3-day trial.