Top Mobile Payments Startups in 2026

Sezzle is an alternative payment platform that helps merchants increase online sales by enabling their customers to pay for their orders with interest-free installment plans. Consumers pay over time, but our merchant partners are paid upfront, eliminating risk of fraud or non-payment. When you pay with Sezzle, your purchase is split into four equal, interest-free installments automatically scheduled over the next six weeks. It's a financially responsible way to pay over time and build credit. Because 67% of consumers under the age of 30 have sub- or non-prime credit scores, we use a proprietary algorithm over traditional credit checks to determine credit worthiness, enabling more consumers to get approved.

We are taking a systematic approach to testing every single home on the planet, accepting only the top 1%. We do so by putting each home through The Plum Test: a gruelling hospitality exam, which uses a mix of algorithms and physical visits by hospitality experts. We launched three years ago in London. We are now in 12 cities across 9 countries, we have vetted over 100,000 homes and are on track to reach over £25M in annualised sales. We are backed by an all-star cast investor group including Local Globe (TransferWise, Citymapper), Alex Chesterman (Founder of Zoopla), William Reeve (Founder of Love Film), Alex Saint and Troy Collins (Founders of Secret Escapes), Jason Goodman (Founder of Albion) and many more. We are launching our global rollout strategy and growing our exceptional team.

Our first product started out by helping churches increase giving. The goal was to build a product that made giving as frictionless as possible. Now we've added several other products to our suite including custom mobile apps for organizations, church management, and event registration. Ultimately we build products to serve churches and non-profits with a goal to keep cost low and scalable.

After decades of an antiquated payment system, there is now a modern solution for shippers, carriers, freight brokers and truck drivers.   billions of dollars spent on lumper fees each year, but previous methods of payments were forcing companies to suffer costly delays and put them at a high risk for fraud.   MyLumper has truly brought this valuable industry into the next generation of technology in trucking. We offer the trucking and freight handling (lumper) industry leaders a real-time direct payment platform with shippers, carriers, and 3PLs. By delivering value and insights we enable their trading partners to issue lumper fee payments in a more convenient, efficient and secure manner. *A Lumper fee is a mandatory fee paid for the labor to load / unload a container or to sort-out products. The people that do this work are called Lumpers.

Green is building a global consumer neobank. We're merging international banking and payments into a single product. Our mission is to enable all of our customers around the world to spend, save and earn in USD. We'll be starting the US and select international markets with ambitions to scale far beyond. Green is built by a small group of highly experienced operators and engineers. We're a small, senior-only team, with no layers, politics, or slow decisions. We've built, founded, and owned services used by hundreds of millions of people and generating billions in revenue. Green is the next step and mass distribution is readily available via our day-one partners. Every person on the team ships product and shapes the direction of the company. Why Work Here * Build a product used globally from day one * Work with an extremely high-caliber team * Own major parts of the product and infrastructure * Ship fast and avoid corporate overhead * Compensated at the top of the market

MAJORITY is the first digital financial service dedicated to serving migrants worldwide. For $5 a month, MAJORITY members in the U.S. receive an FDIC-secured account, VISA® debit card, use of more than 55,000 ATMs across North America, remittance and international calling, native language advisors, and access to our network of community meet-up spaces, local discounts and events. With MAJORITY, there are never overdraft fees or minimum balance requirements. MAJORITY was started in Sweden by a diverse team of banking, fintech, payments, and telecom executives serving immigrant communities globally for the last 15 years. MAJORITY’s U.S. headquarters are in Houston, Texas.

PayMaple is a best in class platform company that assists organizations to lower costs and increase profits with proprietary payment and data warehousing solutions. Our foundation is built upon transparency, and we set out to help businesses better understand how their operation is run.

RecargaPay is a leading fintech in Brazil providing seamless payment experiences for frequent and essential payments, with the mission to democratize mobile payments and financial services. The company is creating a mobile money ecosystem where banked and unbanked interact, providing consumers and businesses a one stop shop for all their financial needs. RecargaPay is transforming how people pay by providing the most convenient way to replace cash : making it easy to cash in (boleto, credit card, debit cards, loans, QR codes, mPOS) and cash out (top ups, bill payments, transport, p2p, gift cards, prepaid card, parking, QR code). Founded in 2010 by Rodrigo Teijeiro (CEO), Alvaro Teijeiro (CTO) and Gustavo Victorica (COO), RecargaPay has raised over US$ 63 million in venture capital from a group of investors led by The IFC, IDC Ventures, ATW, The Venture City, DN Capital, and FJ Labs.

Fena - Seamless access to Open Banking payments We believe that costly card payments and outdated infrastructure shouldn’t hamper businesses, and with Fena, they don’t. Fena (formerly Faizpay) is rapidly growing, using new regulations to enable seamless access to Open Banking. London based, but with staff across the globe, we are building products for customers across multiple geographies. Our solutions are built to improve payments for for everyone. Business of all sizes can save up to 85% vs card payment fees, reduce fraud, and improve the user experience with technology designed for the modern day. Some example use cases include: FinTechs: Fena provides payment APIs for instant payments. Payments can be initiated within the fintech’s app or website using Open Banking payments with bank level security. No cards, reduced fraud, low fees. eCommerce: Easy to install solutions requiring only a few lines of code, or plug-ins for solutions like WooCommerce, merchants can quickly add open banking payments to their checkout to reduce their costs, remove chargebacks, and minimise fraud. Small Retailers: In-store or in-person payments using our merchant app. Removes the need for a card terminal, instead using a mobile and QR code. Retailers can accept bank transfers as seamlessly as card payments for a fraction of the cost. Invoice Payments: Users can insert a QR code or payment link onto invoices to ensure they receive the right amount, every time. Generate these payment requests manually, or connect your account via API to automatically generate requests.

At Metal, we are shaping digital money and revolutionizing the way people transact by building the decentralized financial infrastructure of the future. To date, we have launched and operate Metal Pay (digital banking and crypto wallet) and Proton SDK a distributed ledger for identity and interaction with the card and banking payments settlement layer. Metal is the future of money. The future is now.