The following is a list of Fintech and related firms for companies looking to partner or needing the services noted. If you are a product owner or business development leader feel free to use as a free resource. We have relationships with many of these firms that vary from introductions to deep relationships. Finding the right partner for your particular need is a specialty of Topanga Consulting and we would be glad to discuss how we can help you.
Caveats: With thousands of Fintechs out there this is far from an exclusive list. We do not endorse or vouch for, nor do we receive compensation, for any company on this list.
If you are a firm in the Fintech or related space and would like to be added to the list, or make recommendations to the summaries provided, please reach out to us on the Contact Us page.
| Broad Area | Specialty | Company | Comments | Website |
|---|---|---|---|---|
| ATMs/Kiosks | Kiosk Software | Nanonation | Provides platforms and custom software solutions for kiosks and digital signage companies | www.nanonation.net |
| ATMs/Kiosks | Manufacturer | Diebold | One of the largest ATM providers to banks | www.dieboldnixdorf.com/en-us/ |
| ATMs/Kiosks | Manufacturer | General Bytes | Czech republic based Bitcoin ATM manufacturer and sofware provider to many of the Bitcoin ATM’s out there | www.generalbytes.com |
| ATMs/Kiosks | Manufacturer | GenMega | ATM and kiosk manufactuer providing ATM’s to many independent operators, Bitcoin ATMs and kiosks that handle bill payment, sports betting, etc. | www.genmega.com |
| ATMs/Kiosks | Manufacturer | Hyosung | A large ATM and kiosk manufacturer | www.hyosungamericas.com |
| ATMs/Kiosks | Manufacturer | KIS | Kiosk Information Systems is the largest kiosk manufacturer and provides both standard and custom designs for a variety of uses for both hardware and, to some extent, software | www.kiosk.com |
| ATMs/Kiosks | Manufacturer | NCR | One of the largest ATM providers to banks | www.ncr.com/banking/atm-self-service/cash-dispense-atms |
| ATMs/Kiosks | Manufacturer | Olea | Builds standard and custom kiosks for wayfinders, digital signage, ticket machines, check-in, etc. | www.olea.com |
| ATMs/Kiosks | Network | MoneyPass (FISERV) | Moneypass is a product of FISERV who competes with the Allpoint network for fee free withdrawals. While NCR/Cardtronics owns their machines, MoneyPass largely runs on 3rd party ATMs including many community bank ATMS | www.fiserv.com/en/solutions/card-services/moneypass.html |
| ATMs/Kiosks | Operator | Cash Depot | A growing provider with over 37k machines in the field including a foothold in Walmart | www.cdlatm.com |
| ATMs/Kiosks | Operator | FCTI | A Japanese firm who owns the ATM network that runs in 7-11’s exclusively in the US. Also offering advertising services on those machines | www.fcti.com |
| ATMs/Kiosks | Operator | NCR (Cardtronics) | Cardtronics, now NCR, is the largest independent ATM operator with about 300k devices around the world. They were purchased by NCR in 2021. They run the popular Allpoint network enabling many online banks to offer surcharge free withdrawals (and in about 1k Allpoint+ ATMs, deposits) | www.ncr.com/atm-network |
| ATMs/Kiosks | Operator | SelfPay | Romania based fintech that offers payment kiosks. Take a wide variety of payments via card and wallet and, in some cases, cash. Expanding in other Europe | business.selfpay.com |
| Banking | BaaS | Evolve | A Sponsor bank and BaaS infrastructure-as-a-service provider (the actual bank backing many neobanks such as Dave) | www.getevolved.com |
| Banking | Baas | Galileo | A fintech OG with 20 years providing neobank, payments, investing and also now cryptocurrency technologies to fintechs | www.galileo-ft.com |
| Banking | BaaS | Pathforward (fka Metabank) | Provides payment capabilities with ATM sponsorship, DDA/Prepaid banks sponsorship and credit lending. The back-end back for payments | www.pathforward.com |
| Banking | BaaS | Sutton | A Sponsor bank and BaaS infrastructure-as-a-service provider | |
| Banking | BaaS | Synapse | A newer BaaS provider with a heavy tilt on crypto and enabling world traveling WFH’s to access their US funds anywhere | www.synapsefi.com |
| Banking | BaaS | Treasury Prime | Provides an embedded banking software platform that connects companies to banks and products partners | www.treasuryprime.com |
| Banking | BaaS | Unit | BaaS offering accounts, cards, payments and lending | www.unit.co |
| Compliance | Consulting | FSVector | A firm specialing in consulting on building and optimizing compliane programs | https://fsvector.com/ |
| Compliance | Fraud | Paypal | Fraud decisioning | www.paypal.com/us/enterprise/fraud-protection-advanced |
| Compliance | Fraud | Sentilink | Stolen identity checks. Focus on chargeback and fraud reduction vs KYC | www.sentilink.com/ |
| Compliance | Fraud | Telesign | Focused on fraud, phone number based risk assessment. | www.telesign.com/products |
| Compliance | IAM | Okta | Customer identity cloud (formerly Auth0) for consumer and then their core Okta suite can enable B2B authorization | www.okta.com |
| Compliance | IAM | Swoop | Passwordless authentication | www.swoopnow.com |
| Compliance | IAM | Trusona | Passwordless authentication | www.trusona.com |
| Compliance | IAM | Twillio | Passwordless verification, API for 2FA | www.twilio.com/verify |
| Compliance | KYC | Alloy | Identity affirmation & fraud review by aggreggating lots of different data and creating rules. ID proofing is through 3rd parties. Ffocused on bank accounts and credit accounts | www.alloy.com |
| Compliance | KYC | CSI | Web-based denied party screening service with API integration, OFAC, PEP, Watchlist, Sanctions screening | www.csiweb.com/ |
| Compliance | KYC | Emailage (Lexis/Nexis) | email risk scoring, fraud focused. | risk.lexisnexis.com/global/es/products/lexisnexis-emailage |
| Compliance | KYC | Giact | Bank account verification is primary use case, focus on insures and lenders | www.giact.com |
| Compliance | KYC | Hyperverge | ID Verification with AI. Smaller and heavy India based consumer base | www.hyperverge.co |
| Compliance | KYC | ID.me | Id.me once and leverage across multiple entitites. More identify verification vs proofing | id.me |
| Compliance | KYC | Jumio | Uses selfie to compare to ID. Then uses faceID to unlock account | www.Jumio.com |
| Compliance | KYC | Metamap | KYC/AML is a specialty. Their core concept is a to have a bunch of building blocks (merits) that you can string together to create what you need. So expandable, 3rd party services with a focus on Latam and developing countries | www.metamap.com |
| Compliance | KYC | Mitek | Full Verify identity platform – can customize in admin tool and changes white-label platform on app or web | www.miteksystems.com/verified-identity-platform |
| Compliance | KYC | Moody’s Analytics | Credit risk focused. They do not do Transaction Monitoring, but can integrate with any data partner to the Moody’s risk engine. | www.moodysanalytics.com |
| Compliance | KYC | Ocrolus | Document processing/automation. They do ID validity/data pulling | www.ocrolus.com |
| Compliance | KYC | Onfido | Doc verification and AI based fraud with repeat attempts and known faces to use their history | www.onfido.com/solutions/our-solutions/?utm_source=adwords&utm_medium=display&utm_campaign=identitylaunch |
| Compliance | KYC | Prove | Prefil id based on last 4 of social and mobile number. Tie authentication to physical phone | www.prove.com |
| Compliance | KYC | Sardine | Payments, Fraud and Compliance verticals. SSN focused – good for neobanks | www.sardine.ai/fraud |
| Compliance | KYC | Socure | Biggest traditional. More document verification and fraud pulling in data from lots of different places. Assume SSN always | www.socure.com/ |
| Compliance | KYC | Sumsub | Crypto specialist, only 1 year into full KYC | https://sumsub.com/crypto/ |
| Compliance | KYC | Trulioo | Trulioo ties into trusted government and credit data sources via an API to verify KYC screening realtime. They can then waterfall to a document verification approach as needed. They also claim to do DocV better than the competitors as they can move from automated screening to manual when the image quality is poor. | www.trulioo.com/ |
| Compliance | KYC | Veriff | Speed of onboarding (fastest they say), Documents from 200 countries, focus on int’l | www.veriff.com |
| Compliance | KYC | Vouched | KYC via visual ID verification and/or 3rd data checks | www.vouched.id/kyc/cryptocurrency/ |
| Compliance | KYC &Transaction Monitoring | Acuant (Identity Mind) | They do verify (doc/ID verification and selfie), identity (data attributes on identity, where else they’ve seen that person), compliance (police policies, setting rules, transaction monitoring, sanctions screening) along with orchestration | www.acuant.com/ |
| Compliance | KYC &Transaction Monitoring | Oracle | Streamlined customer onboarding; effective monitoring and detection; efficient investigations; sanctions screening and transaction filtering; case management, SAR reporting | www.oracle.com/industries/financial-services/aml-financial-crime-compliance/ |
| Compliance | KYC, Transaction Monitoring & Case Management | Velocity (Alacer) | All-encompasing services covering KYC, TM, Case Management, Sanctions, Fraud, automoated SAR filings, Crypto monitoring. Uses AI, ML and Big data capabilities, multiple detection methods and advanced analytics engine | https://velocity.alacergroup.com/ |
| Compliance | Orchestration | Hummingbird | Platform for centralizing workflow | https://hummingbird.co/ |
| Compliance | Orchestration | Instnt | Orchestration layer for KYC providers with insured fraud coverage. | www.instnt.org |
| Compliance | Orchestration | KYC-Chain | Orchestration tool. Holds identity onchain | https://kyc-chain.com/ |
| Compliance | Orchestration | Themis | Compliance Collaboration tool | www.askthemis.com/ |
| Compliance | Orchestration | Unit21 | Orchestration layer, case management | www.unit21.ai |
| Compliance | Sanctions & orchestration | Comply Advantage | Multi-source, AML onboarding and monitoring with AI focus. Greater flexibility of configuration if go direct. The ones most other providers use in the background | https://complyadvantage.com/ |
| Compliance | Transaction Monitoring | FinScan | Core skills are back-end sanctions lists (and lots), don’t do really do modeling for transaction monitoring. Have a specialty in data cleansing | https://finscan.com/ |
| Compliance | Transaction Monitoring | Verafin | https://verafin.com/product/bsa-aml-compliance-management/ | |
| Compliance | Transaction Monitoring | WorkFusion | Provides digital workers, which could replace a number of L1 Investigators – so outsourced L1 employees, essentially | www.workfusion.com/ |
| Consumer Research | Consumer studies | inMoment | Do quantitative and qualitative market research questions. Can help craft questions to meet your needs, identify target customer segments, manage the survey and summarize the results. | www.inmoment.com |
| Consumer Research | Ideation | Frog Design (CapGemini) | Compete with Ideo (for similar budgets) but, being part of CapGemini, also bring the technical implementation side to continue through development | www.frog.co |
| Consumer Research | Ideation | Ideo | Focused on qualitative research through ideation and prototyping of new ideas and business segments. Plan on at least mid-6 figures and into the 7 figures for full studies. They are good but more often used by larger companies who can afford that budget want to pay for high quality ideasion | www.ideo.com |
| Consumer Research | Social media support | Sprinklr | They monitor social media for your, and your competitors, feeds to identify issues, trends and customer service issues. Near-real time and actual customer data make this a valuable insight tool | www.sprinklr.com |
| Consumer Research | Trend Tracking | TrendHunter | Track consumer trends by crowd-sourcing quantitative and qualitative data from around the world. Subscription based model that enables either digging into their research or having them create research just for you | www.trendhunter.com |
| Crypto | Bitcoin ATMs | Bitcoin Depot | The largest dedicated bitcoin ATM company with over 6k locations | www.bitcoindepot.com |
| Crypto | Bitcoin ATMs | Coin Cloud | Headquartered in Vegas with broad distribution of their own branded Bitcoin ATMs | www.Coin.cloud |
| Crypto | Bitcoin ATMs | CoinATMRadar | Not a bitcoin ATM company but provides location data on all Bitcoin ATMs and over the counter cash purchases around the world. Great data source | www.coinATMradar.com |
| Crypto | Bitcoin ATMs | CoinFlip | Chicago based Bitcoin ATM provider | www.coinflip.tech |
| Crypto | Bitcoin ATMs | Coinsource | Provides both their own branded and bitcoin ATM as a service products | www.coinsource.net |
| Crypto | Bitcoin ATMs | Coinstar | Yes, that Coinstar. Has the largest network of Bitcoin ATM’s (over 10k) where you can buy cryptocurrencies with paper cash | www.coinstar.com/crypto |
| Crypto | Chain Analysis | Chainalysis | A competitor to Elliptic | www.chainalysis.com |
| Crypto | Chain Analysis | Elliptic | Provide fraud and AML services in the crypto space by tracking the connections, both upstream and downstream, as cryptocurrencies move from wallet to wallet. Critical to identify potential AML violations and for fraud investigations. These guys are the largest in the space | www.elliptic.co |
| Crypto | Crypto Prepaid | Moon | Enables consumers to load a prepaid card from cryptocurrencies and spend it in USD | www.paywithmoon.com |
| Crypto | Crypto Rewards | Curve | Offer crypto rewards from your own, or their, card. Then as you spend you also earn crypto rewards. | www.curve.com |
| Crypto | Crypto Rewards | Fold | Offer a prepaid debit card, or gift cards, that earn bitcoin rewards | https://foldapp.com/ |
| Crypto | Crypto Rewards | The Bitcoin Company | Offer a prepaid debit card, or gift cards, that earn bitcoin rewards | https://thebitcoincompany.com/ |
| Crypto | Cryptocurrency | Circle | Created one of the most popular stable coins (USD Coin) fully backed by US dollars (actually backed and US based – ahem.. Terra.. ahem…). They make their money off of investing the USD and are targeting growing their distribution | www.circle.com |
| Crypto | Cryptocurrency | Ripple | Founded to enable cross-border payments via their XRP cryptocurrency. Also offer CBDC platforms. Had a long partnership with MoneyGram but never could find a way that really made MoneyGram more efficient | www.ripple.com |
| Crypto | Cryptocurrency | Stellar | Stellar Lumens is a currency focused on cross-border transactions. Founded by Ripple co-founder Jed McCaleb and replacing Ripple as MoneyGram’s crypto partner in the space. They are a non-profit | www.stellar.org |
| Crypto | Cryptocurrency | Terra | A stablecoin (Luna) meant to be maintain parity algorithymically. It broke in May 2022 dropping to $0.10 but is still around. | www.terra.money |
| Crypto | Cryptocurrency | Tether | Another ‘stablecoin’ that is meant to be fully backed but that backing was often squishy resulting in Tether not always being a direct peg to USD. However, given that assumed USD (and other fiat currencies) peg, it is the default transition currency allowing investors to move in and out of other cryptocurrencies without having to sell or buy with actual US dollars. | www.tether.to |
| Crypto | Custody | Anchorage | FDIC banks won’t hold cryptocurrencies but Anchorage is a crypto-native US Office of the Comptroller qualified custodian and can bridge your crypto wallet with banking | www.anchorage.com |
| Crypto | Custody | Fireblocks | Provide the technology to enable custody of crypto wallets. They are not an exchange directly nor is licensed. What they do do is provide the technology for your firm to do tie to exchanges and custody cryptocurrencies on behalf of your consumers. Use MPC technology | www.fireblocks.com |
| Crypto | Exchange | Bitstamp | Provide exchange services to institutions, protraders and businesses in the EU and US. | www.bitstamp.com |
| Crypto | Exchange | Coinbase | The largest US based crypto exchange and wallet. Offers both direct to consumer and B2B exchange and wallet. At least in 2021 were the largest custodian of crypto. Also offering self-custody wallets | www.coinbase.com |
| Crypto | Exchange | Earnity | An consumer direct exchange focused on high levels of security and education | www.earnity.com |
| Crypto | Exchange | Gemini | The Winklevoss twins offer both direct to consumer wallet/exchange solutions and can provide omnibus back-end solutions for fintechs offering crypto to their consumers. | www.gemini.com |
| Crypto | Exchange | MoonPay | More of a payment processor between business consumers and crypto exchanges. The business sends a consumers payment info through MoonPay and they return crypto. A lot more expensive than a traditional payment processor but they also cover the exchange and make it easy for businesses to offer crypto purchases | www.moonpay.com |
| Crypto | Exchange | NYDIG | Provides API services to enable crypto wallets and transactions through banks, fintechs, investment firms and others. | www.nydig.com |
| Crypto | Exchange | Paxful | Provides a peer to peer marketplace to buy and sell cryptocurrencides | www.paxful.com |
| Crypto | Exchange | Paxos | Provide back-end technology to enable crypto wallets and transactions. Support institutions and have their own stablecoin. Run the back-end for Paypal. | www.paxos.com |
| Crypto | Exchange | PrimeTrust | Can be a full service white-label provider of crypto exchange and custody including compliance, liquidity and payments – but you’ll pay for it | www.primetrust.com |
| Crypto | Exchange | Zerohash | Another API based back-end exchange. | www.zerohash.com |
| Crypto | Lending | Figure | Figure is SoFi founder Mike Cagney’s blockchain enabled follow-up. They focus on delivering financial services leveraging the blockchain including their proprietary Provenance blockchain network. They offer HELOC’s primarily, also offer equity/investments and are rolling out blockchain ledgered banking services with their FigurePay product | www.figure.com |
| Crypto | Tax reporting | Taxbit | They optimize tax reporting by converting 1099’s into the correct tax forms. Many exchanges use them as an additional tool to offer their consumers but they also offer a B2C product | www.taxbit.com |
| Crypto | Wallet | Copper | Utilize MPC protected custody. That is multi-party computation where the private key is split into 3 shards so no one party can be hacked and get access | www.copper.co |
| Lending | BNPL | Affirm | The largest Buy Now, Pay Later provider with connections to many online and IRL retailers. Also offers a card | www.affirm.com |
| Lending | BNPL | Klarna | Another large US BNPL firm with integrations into many retailers | www.klarna.com |
| Lending | BNPL | PayPal | PayPal leveraged their ubiquity and name to offer extended payments | www.paypal.com/us/digital-wallet/ways-to-pay/buy-now-pay-later |
| Lending | BNPL | Sezzle | One more BNPL offering services online and in retail | www.sezzle.com |
| Lending | BNPL | Sunbit | Specializes in need based BNPL services such as auto repair, dentists and vets with integrations into many of those industries tools | www.sunbit.com |
| Lending | Credit Cards | Bond | Fintech enabling companies to embed credit products into their consumer experiences along with deposit, prepaid and payments functionality | www.bond.tech |
| Lending | Credit Cards | CapOne | One of the largest credit card focused firms with a focus on mid-market consumers but with products for every range of credit and variety of rewards | www.capitalone.com/credit-cards/ |
| Lending | Personal Loans | Best Egg | Debt consolidation and secured loans | www.bestegg.com |
| Lending | Personal Loans | LendingPoint | Personal loans from $2k-36k with loans to prime to those with sub-600 FICO scores sold online and through partners in the healthcare, contractor and other merchants | www.lendingpoint.com |
| Lending | Personal Loans | Opportun | Personal and secured loans from $300-$8k, starter credit cards and savings with a network of payment and origination locations | www.oportun.com |
| Lending | Personal Loans | Prosper | Peer to peer personal, home equity and credit card loans | www.prosper.com |
| Lending | Personal Loans | SoFi | Great rates for those with good to great credit | www.sofi.com/personal-loans/ |
| Lending | Personal Loans | Universal Credit | Focused on personal and debt consolidation loans for those with bad credit | www.universal-credit.com |
| Lending | Personal Loans | Upstart | Loans for those with shallow credit histories | www.upstart.com |
| NeoBanks | Online checking/savings | Acorns | Pushes your “change” (up to the next whole dollar) to a savings/investment account as you spend. Also offers full banking online in addition to their investment products | www.acorns.com |
| NeoBanks | Online checking/savings | Aspiration | Online bank and savings with a focus on sustainability and ESG | www.aspiration.com |
| NeoBanks | Online checking/savings | Chime | The largest dedicated online neobank in the US. Focus on low fees for the mid-market consumer with savings programs and credit builder products. | www.chime.com |
| NeoBanks | Online checking/savings | Current | Online bank, savings and investment accounts with a unique influencer driven acquisition strategy | www.current.com |
| NeoBanks | Online checking/savings | Dave | Started as a debit card-based account with no overdraft fees, low cost instant loans and moving into full banking services (via BaaS partners) | www.dave.com/ |
| NeoBanks | Online checking/savings | Moneylion | Mobile bank, investment, crypto, and cash advances with rewards and low fees | www.moneylion.com |
| NeoBanks | Online checking/savings | Revolut | Founded in the UK with a growing presence in the US, provides a wide range of online consumer and business banking, crypto, card, investment and savings products | www.revolut.com |
| NeoBanks | Online checking/savings | Varo | Online debit-card based bank with early pay, savings and cashback | www.varomoney.com |
| Online Banks | Online checking/savings | Alliant Bank | Competitive rates like a credit union but with broader membership criteria | www.alliantcreditunion.org |
| Online Banks | Online checking/savings | Ally | Low fees, above average interest rates. Loans and savings products as well | www.ally.com |
| Online Banks | Online checking/savings | Axos Bank | Rewards checking | www.axosbank.com |
| Online Banks | Online checking/savings | CapOne | The predominantly online bank side of the large credit card company. Low fee, above average savings rates with some physical presence in their cafes | https://www.capitalone.com/bank/ |
| Online Banks | Online checking/savings | Discover | Low fee, early check deposit, known name | www.discover.com/online-banking/ |
| Online Banks | Online checking/savings | SoFi | Started as a student loan company and now a broad financial services company who launched online banking in 2022 | www.sofi.com/banking/ |
| Online Banks | Online checking/savings | Synchrony | Remember when GE had a large financial services business? This is one of those (no longer GE). High savings rates for this savings and credit only bank (no checking) | www.synchronybank.com |
| Payments | Bill Pay | CheckFreePay (FISERV) | This FISERV product provides cash payments for bills at over 30,000 agent locations | www.checkfreepay.com/ |
| Payments | Bill Pay | MoneyGram | Moneygram enables consumers to pay bills with cash at their agents locations | www.moneygram.com/mgo/us/en/paybills/ |
| Payments | Bill Pay | Payit | Facilitates payments with a focus on governments for things such as licenses, fines and fees | www.payitgov.com |
| Payments | Bill Pay | Western Union | Western Union enables consumers to pay bills with cash at their agents locations | www.westernunion.com/us/en/bill-pay/app/billpay-start |
| Payments | Processor | Marqeta | Provides card issuing, processing and money movement. Supports the back-end for many BNPL and payments companies. Enables customized approval, funding and compliance for payments – all of which run on the existing Visa/MC card networks | www.marqeta.com |
| Payments | Cash Payments | MoneyGram | In addition to their traditional bill pay and remittance products, MGI also can facilitate cash in and out transactions between businesses and consumers | www.moneygram.com |
| Payments | Cash Payments | PayNearMe | Pay your rent, insurance bill, loan, gaming account or thousands of other items over the counter at many drug and convenience stores by showing a barcode | www.paynearme.com |
| Payments | Cash Payments | Vanilla Direct | Incomm’s PayNearMe competitor offering bill pay and deposits to many online banks and wallets | pay.vanilladirect.com/ |
| Payments | Disbursements | InGo Money | Originally a company who approved and/or backed check decisioning who moved into the broader disbursements space. One of the original partners of “push to card” or original credit transaction (OCT) disbursements enabling pushes of funds through the card networks. | www.ingomoney.com |
| Payments | Disbursements | KyckGlobal | A firm who enables bill payments and disbursements enabling gig workers to get paid in cash for example | www.kyckglobal.com |
| Payments | Disbursements | Neural Payments | Enable white-labeled disbursements and payouts using email/phone as identifier where consumer can choose how to get paid | https://neuralpayments.com/ |
| Payments | Gift Cards | Blackhawk Network | Connects retailers who offer gift cards to retailers who sell gift cards creating a many-to-many network. Sells and manages into the distribution partners like grocery, convienience and online sites. Also offers other payment services like enabling paying with points and rewards and incentives programs. | www.blackhawknetwork.com |
| Payments | Gift Cards | Incomm | With Blackhawk Network, the other big gift card company. Also runs the Vanilla Direct cash payments network | www.incomm.com |
| Payments | Gift Cards | Ncentiva | Provides a platform that pays out in gift cards with a focus on marketplaces | |
| Payments | International Remittance | Buckzy | Enable cross-border payments as a service. Also have a BaaS offering | www.buckzy.net |
| Payments | International Remittance | MoneyGram | The 2nd major player in the international remittance space. Focused on building their digital business but is still losing business to cheaper online players | www.moneygram.com |
| Payments | International Remittance | Remitly | A new competitor to the traditional MoneyGram and WU players. The only allow electronic sending from the US but still enable cash pick-up in LatAm and many worldwide destinations | www.remitly.com |
| Payments | International Remittance | Ria | Owned by Euronet, has taken significant share from WU and MGI in the last decade including winning Walmart’s white label domestic remittance product. | www.riamoneytransfer.com |
| Payments | International Remittance | Thunes | Built the infrastructure that enables cross-border payments helping to run companies like MoneyGram | www.thunes.com |
| Payments | International Remittance | Western Union | The largest traditional international remittance player. Has been losing business to online and digital players but still owns the cash market | www.westernunion.com |
| Payments | International Remittance | Wise (fka TransferWise) | Has crushed the traditional players by offering no or low cost electronic transfers taking the most profitable business. | www.wise.com |
| Payments | International Remittance | Xoom (Paypal) | Leveraging the Paypal expertise and market reach to offer electronic transfers | www.xoom.com |
| Payments | P2P | Paypal | Almost no need to list these guys. One of the original fintechs that started to support P2P payments on eBay (who later acquired, then sold, them). Now enabling payments across both the online and instore retail spectrum across the world | www.paypal.com |
| Payments | P2P | Zelle | A consortium of many of the largest banks who built a real-time P2P technology to enable instant transfers between consumers of the participating banks. Widely available now in many banks beyond the original consortium. Also offer services to companes to disburse or receive payments. Quick and free (to consumers, not so much for businesses) but also without the protections that a card transaction has. | www.zellepay.com |
| Payments | P2P Wallets | Cash App | mobile fiat and crypto wallet and p2p provider. Now offering debit-card based banking | www.cash.app |
| Payments | P2P Wallets | Venmo | Leads the electronic person-to-person payments space by offering no fee transfers. Of course there can be fees to get that cash back in your bank quickly and they make money off of holding funds in your wallet. Now also a common business payment tool | www.venmo.com |
| Payments | Prepaid | GreenDot | One of the largest General Purpose Reloadable (GPR) card providers. Also operates a cash in network and banking services | www.greendot.com |
| Payments | Prepaid | NetSpend | Offers General Purpose Reloadable cards for direct and for other players | www.netspend.com |
| Payments | Processor | Dwolla | Enables account to accont payments for businesses | www.dwolla.com |
| Payments | Processor | PayJunction | A smaller firm focusing on specific industries | www.payjunction.com |
| Payments | Processor | PayNearMe | They extended their cash payments solution to also offer merchant processing to provide an all in one solution | www.paynearme.com |
| Payments | Processor | Square | Provides phone based payments and modern POS terminals for small and medium sized businesses | www.square.com |
| Payments | Processor | Stripe | The payment and checkout functionality driving many ecommerce sites | www.stripe.com |
| Payments | Processor | Tabapay | A payments processor (debit and credit) that optimizes payment routes to save you bps on each transaction | www.tabapay.com |