Fintech: Embedded Finance

Companies making people's lives easier through native, digital banking services.

89

market players defining the landscape:

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Digital financial services are only 1% finished, and we've built the team who will shape the future.

Stage

Private

Company Size

51-200

Total Raised

n/a

Location

London, United Kingdom

Founded

2016

2Checkout (now Verifone)
Visit site โ†—

2Checkout is the digital commerce & payments provider that helps companies sell their products and services via multiple channels, acquire customers across multiple touch points, increase customer and revenue retention

Stage

Private

Company Size

201-500

Total Raised

$72M

Location

Coral Springs, United States

Founded

2006

The payments platform built to grow your business.

Stage

Public

Company Size

1,001-5,000

Total Raised

$266M

Location

Amsterdam, Netherlands

Founded

2006

Flexible payments that help shoppers say yes

Stage

Public

Company Size

1,001-5,000

Total Raised

$1.5B

Location

San Francisco, United States

Founded

2012

Afterpay is fully integrated with all your favorite stores. Shop as usual, then choose Afterpay as your payment method at checkout. First-time customers complete a quick registration, returning customers simply log in.

Stage

Public

Company Size

501-1,000

Total Raised

$448.7M

Location

Melbourne, Australia

Founded

2014

Global digital payment and lifestyle platform serving over 1.3 billion users.

Stage

Series E

Company Size

5,001-10,000

Total Raised

$22B

Location

Hangzhou, China

Founded

2004

Amazon (Capital)
Visit site โ†—

Amazon Lending is built on the simple idea that business lending doesnโ€™t have to be complicated. We provide business financing solutions through Amazon Lending and third-party partners to eligible small and medium-sized businesses without the paperwork and long wait times.

Stage

Public

Company Size

10,001+

Total Raised

$601.2M

Location

Seattle, United States

Founded

1994

Amazon (Pay)
Visit site โ†—

Amazon Pay is an online payment service that makes checkout on your site fast and secure for hundreds of millions of Amazon customers around the world.

Stage

Public

Company Size

10,001+

Total Raised

$108M

Location

Seattle, United States

Founded

2007

Apple Pay is the easy way to pay in stores, online, and in apps. It's safe, secure, private โ€” and simple to set up and use. It's money, made modern.

Stage

Public

Company Size

10,001+

Total Raised

$6.2B

Location

Cupertino, United States

Founded

1976

Online financial services made easy that help you save while giving back to the community. Spend, save and invest with a conscience. Open an account today with no monthly fees.

Stage

Private

Company Size

201-500

Total Raised

$250M

Location

Marina Del Rey, United States

Founded

2013

Authorize.net
Visit site โ†—

We've simplified the payment process. Accept credit cards online, in-person and on the go.

Stage

Private

Company Size

501-1,000

Total Raised

n/a

Location

San Francisco, United States

Founded

1996

BBVA USA was a bank headquartered in Birmingham, Alabama. It was a subsidiary of Banco Bilbao Vizcaya Argentaria from 2007 until 2021, when it was acquired by PNC Financial Services.

Stage

Private

Company Size

10,001+

Total Raised

n/a

Location

Birmingham, United States

Founded

1886

Modular banking platform & ecosystem

Stage

Private

Company Size

51-200

Total Raised

n/a

Location

London, United Kingdom

Founded

2010

Boost enables companies across all segments to build, embed and manage digital insurance products, and deliver them through a fully embedded experience within their own front-end environments.

Stage

Series B

Company Size

11-50

Total Raised

$37M

Location

New York, United States

Founded

2017

Braintree enables merchants in more than 45 countries worldwide to accept and process payments in more than 130 currencies.

Stage

Series B

Company Size

501-1,000

Total Raised

$69M

Location

Chicago, United States

Founded

2007

Bread helps retailers offer pay-over-time solutions as a way to build stronger consumer connections and power sales.

Stage

Private

Company Size

201-500

Total Raised

$200.3M

Location

New York, United States

Founded

2014

All-in-one finance for every business.

Stage

Series D

Company Size

501-1,000

Total Raised

$1.5B

Location

San Francisco, United States

Founded

2017

Building the #1 financial API platform for Southeast Asia!

Stage

Seed

Company Size

11-50

Total Raised

$8.5M

Location

Jakarta, Indonesia

Founded

11-50

Helping subscription-based businesses stay agile and adapt their revenue operations workflows to scale faster.

Stage

Series H

Company Size

1,001-5,000

Total Raised

$468.2M

Location

San Francisco, United States

Founded

2011

Banking with No Hidden Fees and Fee Free Overdraft

Stage

Series G

Company Size

1,001-5,000

Total Raised

$2.3B

Location

San Francisco, United States

Founded

2013

Through our banking licence and intelligent, robust technology solutions, we enable our partners to offer real-time payment and innovative banking services to their customers.

Stage

Private

Company Size

201-500

Total Raised

ยฃ85M

Location

London, United Kingdom

Founded

2015

Clydeโ€™s platform empowers retailers โ€” from startup to enterprise โ€” to offer product protection plans to customers. By offering protection with Clyde, retailers can increase revenue, reduce program maintenance costs, and drive customer loyalty.

Stage

Series B

Company Size

51-200

Total Raised

$58M

Location

New York, United States

Founded

2017

Cover Genius
Visit site โ†—

Cover Genius is the insurtech for embedded insurance that protects the global customers of the worldโ€™s largest digital companies.

Stage

Series C

Company Size

201-500

Total Raised

$95.1M

Location

New York, United States

Founded

2014

Current is a leading U.S. financial technology company serving Americans working to create a better future.

Stage

Series D

Company Size

51-200

Total Raised

$402.4M

Location

New York, United States

Founded

2015

DoorDash (DasherDirect)
Visit site โ†—

DasherDirect is a card designed exclusively for Dashers. With no-fee daily deposits, convenient mobile banking functionality, and cash-back rewards

Stage

Public

Company Size

1,001-5,000

Total Raised

$2.5B

Location

San Francisco, United States

Founded

2013

ELEMENT is your partner for everything you need to distribute insurance products.

Stage

Private

Company Size

51-200

Total Raised

โ‚ฌ66M

Location

Berlin, Germany

Founded

2017

Envestnet | Yodlee
Visit site โ†—

A leading data aggregation and data analytics platform for digital financial services

Stage

Series Unknown

Company Size

1,001-5,000

Total Raised

$141.3M

Location

Redwood City, United States

Founded

1999

Extend allows any merchant to offer extended warranties and protection plans through our easy-to-integrate APIs or pre-built eCommerce applications.

Stage

Series C

Company Size

201-500

Total Raised

$320.4M

Location

San Francisco, United States

Founded

2019

Facebook (Pay)
Visit site โ†—

Facebook Pay is a seamless, secure way to pay on the apps you already use. With Facebook Pay, making payments is simple.

Stage

Public

Company Size

10,001+

Total Raised

$16.1B

Location

Menlo Park, United States

Founded

2004

Fidor Bank AG
Visit site โ†—

Innovative banking and flexible financial services

Stage

Private

Company Size

51-200

Total Raised

n/a

Location

Berlin, Germany

Founded

2009

Smarter data to build better experiences

Stage

Series B

Company Size

501-1,000

Total Raised

$79.9M

Location

Murray, United States

Founded

2000

We aspire to move money and information in a way that moves the world.

Stage

Public

Company Size

10,001+

Total Raised

n/a

Location

Brookfield, United States

Founded

The API Standard for Card Issuing and Digital Banking

Stage

Series A

Company Size

201-500

Total Raised

$85.3M

Location

Salt Lake City, United States

Founded

2000

Global leader in account-to-account payments, making it easy to collect both recurring and one-off payments

Stage

Series G

Company Size

501-1,000

Total Raised

$529.3M

Location

London, United Kingdom

Founded

2011

Google (Pay)
Visit site โ†—

You can use the Google Pay app for fast, simple, and secure online payments. Plus, you can send money, store tickets, get rewards, and more.

Stage

Public

Company Size

10,001+

Total Raised

$36.1M

Location

Mountain View,

Founded

1998

Grab is Southeast Asiaโ€™s leading superapp, offering a suite of services consisting of deliveries, mobility, financial services, enterprise and others.

Stage

Public

Company Size

5,001-10,000

Total Raised

$15.5B

Location

Singapore, Singapore

Founded

2012

Powering the B2B digital economy with our Buy Now, Pay Later solution.

Stage

Series A

Company Size

51-200

Total Raised

$16.9M

Location

London, United Kingdom

Founded

2018

Instacart Mobile Checkout
Visit site โ†—

hoppers can use Instacart Mobile Checkout to quickly and easily pay with just a tap. Instead of reaching for their wallet or purse, shoppers can use their readily available smartphone to check out, taking less time than a typical physical card.

Stage

Private

Company Size

1,001-5,000

Total Raised

$2.9B

Location

San Francisco, United States

Founded

2012

Full-stack digital bank for businesses

Stage

Seed

Company Size

51-200

Total Raised

โ‚น340M

Location

New Delhi, India

Founded

2013

Split the costs at all your favorite online stores, directly from desktop or from your phone. You decide what suits you.

Stage

Private

Company Size

1,001-5,000

Total Raised

$3.7B

Location

Stockholm, Sweden

Founded

2005

Ride by ride, weโ€™re reimagining the worldโ€™s best transportation.

Stage

Public

Company Size

5,001-10,000

Total Raised

$4.9B

Location

San Francisco, United States

Founded

2012

MX works with more than 2,000 organizations to automate the money experience for their customers and to empower the world to be financially strong.

Stage

Series C

Company Size

501-1,000

Total Raised

$450M

Location

Lehi, United States

Founded

2010

Instantly issue & process card payments with our open API platform.

Stage

Public

Company Size

501-1,000

Total Raised

$530.1M

Location

Oakland, United States

Founded

2010

Banking built for startups

Stage

Series B

Company Size

201-500

Total Raised

$152.2M

Location

San Francisco, United States

Founded

2017

Weโ€™re the mobile app alternative to the banks, with a multi-currency account you can open quickly.

Stage

Series C

Company Size

201-500

Total Raised

$170.4M

Location

London, United Kingdom

Founded

2013

Reliably access bank accounts for data and payments.

Stage

Series A

Company Size

2-10 e

Total Raised

$17.6M

Location

Lagos, Nigeria

Founded

2020

We're a bank that lives on your phone, on a mission to make money work for everyone.

Stage

Series H

Company Size

1,001-5,000

Total Raised

$1.1B

Location

London, United Kingdom

Founded

2015

N26 is The Mobile Bank, helping you manage your bank account on-the-go, track your expenses and set aside money in real-time. Open yours in minutes right from your smartphone, and start spending before your physical card arrives.

Stage

Series E

Company Size

1,001-5,000

Total Raised

$1.7B

Location

Berlin, Germany

Founded

2013

The worldโ€™s payment infrastructure in one API.

Stage

Private

Company Size

501-1,000

Total Raised

$285M

Location

Singapore, Singapore

Founded

2015

Niyo Solutions Inc.
Visit site โ†—

Niyo is Indiaโ€™s fastest growing fintech company that provides superior digital banking solutions for savings & investments

Stage

Series C

Company Size

501-1,000

Total Raised

$149.2M

Location

Bangalore, India

Founded

2015

Powerfully simple business checking with no hidden fees. Built for small business owners, freelancers, and entrepreneurs

Stage

Series B

Company Size

51-200

Total Raised

$135.5M

Location

Miami, United States

Founded

2016

Offer your customers simple, personalised car, home and travel insurance, with one seamless integration.

Stage

Series B

Company Size

51-200

Total Raised

$54.7M

Location

Sydney, Australia

Founded

2016

Open Financial Technologies
Visit site โ†—

The Open business account comes with a VISA business card that combines banking, payments, accounting, expense management & taxes, in one place.

Stage

Series C

Company Size

201-500

Total Raised

$140.8M

Location

Bangalore, India

Founded

2017

Embedded Finance for the digital economy

Stage

Private

Company Size

51-200

Total Raised

n/a

Location

London, United Kingdom

Founded

2015

PayPal is the faster, safer way to send money, make an online payment, receive money or set up a merchant account.

Stage

Public

Company Size

10,001+

Total Raised

$216M

Location

San Jose, United States

Founded

1998

PayPal (Pay in 4)
Visit site โ†—

Check out at millions of online stores and split your purchase into 4 interest-free payments with no late fees. Thereโ€™s no impact on your credit score and itโ€™s backed by PayPal.

Stage

Public

Company Size

10,001+

Total Raised

$216M

Location

San Jose, United States

Founded

1998

PayPal (Working Capital)
Visit site โ†—

Your loan is primarily based on your PayPal account history, so no credit check is required, and it doesnโ€™t affect your credit score.

Stage

Public

Company Size

10,001+

Total Raised

$216M

Location

San Jose, United States

Founded

1998

Our mission is to make everyday purchases more accessible and help you build credit along the way.

Stage

Angel

Company Size

11-50

Total Raised

$2.5M

Location

Philadelphia, United States

Founded

2014

Our mission is to unlock financial freedom for everyone. Join us!

Stage

Series D

Company Size

501-1,000

Total Raised

$743.3M

Location

San Francisco, United States

Founded

2013

Railsbank, the global Embedded Finance Experience Platform.

Stage

Private

Company Size

501-1,000

Total Raised

$121.3M

Location

London, United Kingdom

Founded

2016

Ramp offers 5-in-1 software that consolidates corporate cards, expense management, bill payments, accounting, and reporting into one simple and free solution.

Stage

Private

Company Size

201-500

Total Raised

$810M

Location

New York, United States

Founded

2019

One app, all things money

Stage

Private

Company Size

1,001-5,000

Total Raised

$1.7B

Location

London, United Kingdom

Founded

2015

Our unique Embedded Insuranceยฎ platform researches prices and policies across multiple carriers to provide a custom-built policy right when you need it most.

Stage

Private

Company Size

51-200

Total Raised

$34.7M

Location

Salt Lake City, United States

Founded

2019

Samsung (Pay)
Visit site โ†—

Samsung Pay is a mobile payment and digital wallet service by Samsung Electronics that lets users make payments using compatible phones and other Samsung-produced devices.

Stage

Public

Company Size

10,001+

Total Raised

n/a

Location

Suwon-Si, South Korea

Founded

1969

Sezzle empowers shoppers to purchase today, and make 4 interest-free payments over 6 weeks! Increase your conversions, AOV and customer satisfaction.

Stage

Public

Company Size

201-500

Total Raised

$301.6M

Location

Minneapolis, United States

Founded

2016

Shopify (Capital)
Visit site โ†—

Get your business moving and accelerate growth with quick and easy access to funds through Shopify Capital.

Stage

Public

Company Size

5,001-10,000

Total Raised

$122.3M

Location

Ottawa, Canada

Founded

2004

Our vision is to create a world where financial services seamlessly sync with life

Stage

Series G

Company Size

201-500

Total Raised

โ‚ฌ345.1M

Location

Berlin, Germany

Founded

2016

A completely new way to pay. 0% interest monthly payments, right on your credit card.

Stage

Public

Company Size

51-200

Total Raised

$264.6M

Location

New York, United States

Founded

2012

Square builds common business tools in unconventional ways so more people can start, run, and grow their businesses.

Stage

Public

Company Size

1,001-5,000

Total Raised

$601.2M

Location

San Francisco, United States

Founded

2009

Square (Capital)
Visit site โ†—

Square small business loans from $300โ€”$250,000.

Stage

Public

Company Size

1,001-5,000

Total Raised

$601.2M

Location

San Francisco, United States

Founded

2009

Starling Bank
Visit site โ†—

Transform the way you manage your money with the UKโ€™s best bank. Enjoy personal and business banking online and at your fingertips, always.

Stage

Series D

Company Size

1,001-5,000

Total Raised

$922M

Location

London, United Kingdom

Founded

2014

Starling Bank
Visit site โ†—

Open a personal or business bank account from your phone and start managing your money at the tap of an app, today.

Stage

Series D

Company Size

1,001-5,000

Total Raised

$922M

Location

London, United Kingdom

Founded

2014

Stripe is a financial infrastructure platform for businesses.

Stage

Private

Company Size

1,001-5,000

Total Raised

$2.2B

Location

San Francisco, United States

Founded

2010

Stripe Corporate Card
Visit site โ†—

The Stripe Corporate Card is the easiest way for everyone in your company to handle expenses. Instantly provision cards, manage your company's spending in real-time, and get credit increases as your business grows.

Stage

Private

Company Size

1,001-5,000

Total Raised

$2.2B

Location

San Francisco, United States

Founded

2010

We enable companies to build and launch best-in-class financial products

Stage

Series B

Company Size

11-50

Total Raised

$50.7M

Location

San Francisco, United States

Founded

2014

Tint empowers any company to embed insurance into its products. Tint's AI-powered insurance platform provides everything you need

Stage

Series A

Company Size

11-50

Total Raised

$28.8M

Location

San Francisco, United States

Founded

2018

Toast (Capital)
Visit site โ†—

We empower the restaurant community to delight guests, do what they love, and thrive.

Stage

Public

Company Size

1,001-5,000

Total Raised

$902M

Location

Boston, United States

Founded

2011

Together letโ€™s jumpstart the future of #digitalbanking ! Outsource all your payment related needs to the European leader

Stage

Series A

Company Size

51-200

Total Raised

โ‚ฌ3M

Location

Paris, France

Founded

2016

Trovโ€™s APIs and software enable companies to increase recurring revenue by offering digital, embedded insurance products

Stage

Series D

Company Size

51-200

Total Raised

$98.8M

Location

Danville, United States

Founded

2012

Uber (Wallet)
Visit site โ†—

Wallet is the section of the Uber Driver app dedicated to your account balance and payments.

Stage

Public

Company Size

10,001+

Total Raised

$25.2B

Location

San Francisco, United States

Founded

2009

Varo is an entirely new kind of bank. All digital, mission driven, FDIC insured and designed for the way our customers live their lives.

Stage

Series E

Company Size

501-1,000

Total Raised

$992.4M

Location

San Francisco, United States

Founded

2015

Pay. Get paid. Shop. Share. Join more than 83 million people who use the Venmo app.

Stage

Series A

Company Size

201-500

Total Raised

$1.3M

Location

New York, United States

Founded

2009

Vesto is a next generation banking platform built using blockchain, stablecoin and decentralized finance services, known as DeFi technology for quicker, lower-cost, and more secure transactions.

Stage

Pre-Seed

Company Size

11-50

Total Raised

โ‚ฌ500K

Location

San Francisco, United States

Founded

2018

Walmart Marketplace
Visit site โ†—

Business line of credit available for Marketplace sellers. Operate with confidence with flexible, fixed-rate financing for eligible sellers. See loan options in two steps.

Stage

Public

Company Size

10,001+

Total Raised

n/a

Location

Bentonville, Arkansas

Founded

1962

WeChat can handle all the ways your users want to pay, whether it is via Quick Pay, QR Code, In-App Web-Based, or Native In-App Payments.

Stage

Private

Company Size

10,001+

Total Raised

n/a

Location

Shenzhen, China

Founded

2011

WhatsApp Payments
Visit site โ†—

Everything in one secure place. When you use Novi on WhatsApp, you can send, receive, and confirm your digital money transfers right where you chat.

Stage

Series B

Company Size

51-200

Total Raised

$60.3B

Location

Menlo Park, United States

Founded

2009

The 3x cheaper international account.

Stage

Public

Company Size

1,001-5,000

Total Raised

$1.3B

Location

London, United Kingdom

Founded

2011

Wrisk has created a customisable platform that empowers automotive, retail, telecommunications and other leading brands, to build frictionless, mobile-first insurance experiences their customers will love.

Stage

Series A

Company Size

11-50

Total Raised

$18M

Location

London, United Kingdom

Founded

2016

Pay in 4 installments and shop online or in-store everywhere that accepts Visa, Apple Pay, & Google. Shop smarter!

Stage

Public

Company Size

1,001-5,000

Total Raised

$893.6M

Location

Sydney, Australia

Founded

2013