148 YC Payments Startups

148 Y Combinator companies carry the Payments tag in YC's own directory, across every batch since 2005. Each row shows what the company does, its batch, HQ and status, and links to its YC application reconstructed in the real form, so a founder building a Payments startup can read how accepted companies answered the same questions.

Companies
148
Top industries
Fintech, B2B and Consumer
Top locations
San Francisco, New York and Bengaluru
YC top companies
2
148 reconstructed applications

Read the YC application of all 148 companies

  • Every company's YC application, reconstructed in the real form
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The first 100 companies, top companies first

2
Sendwave
SendwaveTopInstant, no fee international remittances.
Winter 2012Boston, MAAcquired
3
Abacus
AbacusMaking expense reports obsolete
Winter 2014New York, NYAcquired
4
Afriex
AfriexInstant, low-fee remittances
Summer 2020San Francisco, CAActive
5
Alaan
AlaanModern finance platform for the Middle East
Winter 2023Dubai, Dubai, United Arab EmiratesActive
6
Allowance
AllowanceScoped payment credentials for AI agents
Spring 2026San Francisco, CAActive
8
Anchor
AnchorEmbedded finance platform for African businesses
Summer 2022Lagos, LA, NigeriaActive
10
Arpari
ArpariMultibank treasury management
Winter 2022New York, NYActive

That is 10 of 148.

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

Read all 148 applications
11
Aspire
AspireAll-in-one Finance OS for businesses
Winter 2018Singapore, SingaporeActive
12
AtoB
AtoBModernizing global transportation payments.
Summer 2020San Francisco, CAActive
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
15
Balanced
BalancedPayments for Marketplaces
Winter 2011San Francisco, CAInactive
16
Blaze
BlazeGlobal Venmo for cross border payments
Summer 2024Mexico City, CDMX, MexicoActive
17
BlindPay
BlindPayStablecoin API for global payments
Winter 2025San Francisco, CAActive
21
Boya
BoyaCorporate Expense cards and Spend management for businesses in Africa
Winter 2022Nairobi, Nairobi County, KenyaActive
22
Bretton AI
Bretton AIAI agents for financial compliance (AML, KYC and Sanctions)
Summer 2023San Francisco, CAActive
23
Bridgecard
BridgecardCard issuer for Africa
Summer 2022Lagos, LA, NigeriaInactive
24
BuildStream
BuildStreamWorkforce solutions for the construction industry
Summer 2019London, England, United KingdomInactive
25
Bujeti
BujetiThe Finance Control Centre for African Businesses
Winter 2023Lagos, LA, NigeriaActive
27
Capi Money
Capi MoneyHelping businesses in emerging markets make pay their international…
Summer 2023London, England, United KingdomActive
28
Carbon-12 Labs
Carbon-12 LabsA Global Payouts API for Startups
Winter 2020Inactive
29
Cardda
CarddaAll-in-one spend management for businesses in Latam
Winter 2022Santiago, Santiago Metropolitan Region, ChileActive
30
Cashfree Payments
Cashfree PaymentsNext-gen digital payments provider for India.
Summer 2017Bengaluru, KA, IndiaActive
33
Cheqout
CheqoutMobile ordering & payments for Brick & Mortars
Winter 2021San Francisco, CAInactive
34
CheqUPI
CheqUPIIndia's first UPI wallet for foreign nationals and NRIs
Summer 2023Bengaluru, KA, IndiaAcquired
36
Collectly
CollectlyWe help healthcare orgs collect more money faster
Winter 2017San Francisco, CAActive
37
Consul
ConsulThe Stablecoin Payouts Platform
Winter 2024New York, NYActive
40
Cypher
CypherCrypto Neo-Bank (WhatsApp moment for bank accounts)
Winter 2022Palo Alto, CAActive
41
DisputeNinja
DisputeNinjaAutomate your chargebacks with AI agents
Summer 2023San Francisco, CAActive
42
Dots đź’¸
Dots đź’¸Developer friendly drop in payouts infrastructure
Summer 2021San Francisco, CAActive
43
Dyneti Technologies
Dyneti TechnologiesReduce payment fraud
Winter 2019San Francisco, CAActive
45
ECSA
ECSAAI Agent runs the entire international trade operation
Summer 2022Manaus, AM, BrazilActive
46
Elevate (formerly Bloom)
Elevate (formerly Bloom)US based USD accounts for non-US residents
Winter 2022Dubai, Dubai, United Arab EmiratesActive
47
Elph
ElphAcquired by Brex. Building digital payments infrastructure.
Winter 2019San Francisco, CAAcquired
48
erad
eradNon-dilutive funding and payments in the Middle East
Summer 2022Riyadh, Riyadh Province, Saudi ArabiaActive
49
FamPay
FamPayIndia’s first neobank for teenagers
Summer 2019Bengaluru, KA, IndiaActive
50
FAZZ
FAZZAll-in-one Finance for Every Southeast Asia Business
Summer 2017Jakarta, Jakarta, IndonesiaActive
52
Fintoc
FintocAccount-to-Account payments in Mexico and Chile.
Winter 2021Santiago, Santiago Metropolitan Region, ChileActive
54
Flux
FluxFlux is building the payment network for alternative payments in…
Summer 2019Mexico City, CDMX, MexicoActive
56
Forage
ForagePayments infrastructure for government benefits
Summer 2021San Francisco, CAActive
57
Formance
FormanceOpen Source Infrastructure for the Financial Internet
Summer 2021Paris, ĂŽle-de-France, FranceActive
58
Fuse
FuseAI-powered workflow automation for US healthcare providers.
Summer 2024London, England, United KingdomActive
60
GIMO
GIMOWe help underbanked workers get paid before payday
Winter 2022Hanoi, Hanoi, VietnamActive
61
Glassjar
GlassjarClean app for check writing
Winter 2015Mountain View, CAInactive
62
GoCardless
GoCardlessWe’re building the world’s bank payment network.
Summer 2011London, England, United KingdomActive
63
Grade
GradeAPI for performance-based payroll
Winter 2026San Francisco, CAActive
64
Grin
GrinMobility and payments platform for Latin America
Summer 2018Mexico City, CDMX, MexicoAcquired
67
HitPay
HitPayPayments infrastructure for businesses scaling in APAC
Summer 2021Singapore, SingaporeActive
68
Hive Health
Hive HealthSimplified digital health insurance for Filipino SMBs
Summer 2021Manila, NCR, PhilippinesActive
70
HUBUC
HUBUCGlobal Card Issuing and Payment Processing Engine
Winter 2021Barcelona, CT, SpainActive
71
Hyper
HyperSell memberships to your Discord server
Summer 2021Palo Alto, CAAcquired
72
inBuild
inBuildWorkflow Automation for Construction Finance
Winter 2023Wilmington, DEActive
73
Infinia
InfiniaMove money programmatically
Winter 2023Active
74
Infinite
InfiniteGlobal B2B Stablecoin Processor
Winter 2025San Francisco, CAActive
75
Infinity
InfinityBusiness banking for cross-border SMBs & Startups
Winter 2024Bengaluru, KA, IndiaActive
77
Kapital Bank
Kapital BankData driven neobank for SMBs in LATAM
Winter 2022Mexico City, CDMX, MexicoActive
78KashWe are fixing how money works.Summer 2014San Francisco, CAAcquired
79
Koywe
KoyweCrypto On and Off Ramp for Latam
Winter 2023Miami, FLActive
80
Levro
LevroMulticurrency account & international payments for businesses
Summer 2021San Francisco, CAActive
81
Line.Build
Line.BuildIncentives and financing for energy efficiency upgrades
Summer 2023San Francisco, CAInactive
82
LotusPay
LotusPayRecurring payments solution for businesses in India.
Summer 2017Bengaluru, KA, IndiaAcquired
83
Malga
MalgaMalga is an API to accept payments with multiple payment providers
Summer 2021Rio de Janeiro, RJ, BrazilActive
84
Meter Feeder
Meter FeederHelping fleets find and pay parking tickets
Winter 2016Pittsburgh, PAActive
86
Milio
MilioB2B-2C real-time account to account payments
Winter 2023Bogotá, Bogota, ColombiaActive
88
Momence
MomenceScheduling and payments for experiences
Summer 2020San Francisco, CAAcquired
89
Mono
MonoEmbedded finance infrastructure for LatAm enterprises.
Winter 2022Bogotá, Bogota, ColombiaActive
90
Moreta
MoretaPayments made easy for international travelers.
Summer 2024San Francisco, CAActive
91
NALA
NALABuilding Payments for the Next Billion.
Winter 2019New York, NYActive
92
Neema
NeemaNeema is an app for unbanked workers, which provides a checking…
Winter 2017Tel Aviv-Yafo, Tel Aviv District, IsraelInactive
93
Nomod
NomodThe UAE’s leading small business payments platform
Summer 2021Dubai, Dubai, United Arab EmiratesActive
94
OkCredit
OkCreditSimple and secure bookkeeping for Indian businesses.
Summer 2018Bengaluru, KA, IndiaActive
95
OneText
OneTextFrictionless payments via SMS
Winter 2023San Francisco, CAActive
96
OrderAhead
OrderAheadOrder ahead for pickup
Winter 2011San Francisco, CAAcquired
97
Pagaloop
PagaloopPay, Get Paid and Extend Cash Flow using your Credit Card as…
Winter 2021Mexico City, CDMX, MexicoActive
98
Palomma
PalommaAI & financial services for real estate in LatAm, starting by rent
Winter 2023MedellĂ­n, Antioquia, ColombiaActive
99
Paribus
Paribus
Summer 2015New York, NYAcquired
100
Partna
PartnaUnlock African payments
Winter 2022Wilmington, DEActive

The other 48 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. How this data is built.

Frequently Asked Questions

How many Y Combinator companies are in tagged Payments?

This directory lists 148 YC companies in tagged Payments, 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?

Razorpay and Sendwave lead the table above. YC marks 2 of the 148 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.