Top Payments Startups in 2026

Construction is an industry built on change. With each new project, we change skylines, strengthen communities, and transform cities for the better.‍ But the reality isn’t always so simple. Between compliance and change orders, false starts and permit delays, the construction industry has a paperwork problem—especially when it comes to getting paid.‍ Cash flow is the lifeline of any contractor’s business, but billing is painful and slow. With so much manual work involved, a small, honest mistake can hold up millions of dollars in cash flow. And even when things go right, the time and effort it takes to get paid takes away from the work that really matters. We believe that when you free up payments, you free up people to take on whatever’s next. We started Siteline to give construction teams a financial foundation to build on. Because when people are on the same page about getting paid, they can focus on whatever's next—whether that’s a new idea, a new project, or more time with their family. We’re reimagining construction finance to help contractors get paid, grow their business, and build a better future for all of us.

Reap is a technology company dedicated to fuelling the ambitions of small businesses. We deliver corporate payment solutions to improve the way small businesses operate today and prepare them for the challenges of tomorrow. Currently, Reap's online payments platform enables small businesses to pay expenses and collect revenue – to and from anyone, anywhere – entirely via credit card. The company has revolutionised the way businesses manage cash flow, leveraging credit cards to smooth cash flow and increase capital efficiency by digitising day-to-day finances and transactions. As strong advocates of small to medium-sized businesses, Reap believes businesses should operate at their potential, not at their size. Reap continues to innovate, advancing technology and building better tools for small businesses to level the playing field – by giving every small business the access of a large enterprise. Reap is supported by an empowering group of investors; including Global Founders Capital, Bertelsmann Asia Investments, Index Ventures, Fresco Capital and Hustle Fund. Our current operation spans Hong Kong and Singapore and continues to expand.

We're changing the way millions of small businesses make money, spend money and track money. Wave delivers innovative financial services and award-winning free software to small- and micro-businesses around the world. By improving cash flow (Payments), delivering money to employees (Payroll), helping businesses get paid (Invoicing), preparing for tax time and providing business insights (Accounting, Receipts), Wave covers the spectrum of a small business owner's financial life, and helps businesses grow and thrive.

Cubby is the AI-native platform for self-storage operators. Everything you need to operate, grow, and delight — all in one platform. We're building for the 35,000+ operators competing in a $75+ billion industry facing massive institutional consolidation. Our integrated platform — facility management, e-commerce, revenue management, call center, and Voice AI — gives operators the technology advantage to win. We're a Series A company serving 300+ operators across North America. We're backed by top-tier investors and 28+ industry advisors who give us the access and credibility to compete against legacy systems like Storable. We move fast, build thoughtfully, and obsess over our customers. If that sounds like your kind of team, we'd love to hear from you.

Gr4vy is a cloud payments company that takes the complexity out of running your own payments infrastructure by doing it for you. We can deploy services on our cloud across the globe, deploying on the edge close to your customers. We can even allow you to host our services on your own networks. Centralized reporting, monitoring, and management mean all parts of your business will benefit from a single streamlined system, saving you time and money.

POSH is a revolution in the way live experiences are designed, shared, and enjoyed. We're here to empower anyone to monetize their contribution to social experiences - organizers, affiliates, freelancers, and beyond. Today, we're backed by $9M in venture funding, a user base of over 1M and we've processed over $70M in transactions.

The Askuity analytics platform enables brands to turn complex retail data into actionable insights and better business results. By combining secure and automated POS data collection with powerful analytics and mobile technology, Askuity uncovers sales enablement insights to help brands capitalize on new growth opportunities and strengthen their retail business. Askuity. See What’s in Store.

Cin7 helps retailers and wholesalers make their complex, omnichannel, omni-fulfilment, multinational business simple by providing an all-in-one cloud Inventory, POS, EDI and 3PL. People use Cin7 to streamline, automate and grow their business. Cin7 uses fewer processes to do more. We eliminate double handling of data and stock, by using so ware that has all the functionality for operating a modern retail and wholesale business. Our connections to retailers include include Nordstrom, Walmart, Wayfair, Macy's, David Jones,... Our specific target verticals are fashion & apparel, food & wine distribution, furniture & showrooms and flooring.

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.

Fundraise Up is a rapidly growing financial technology company headquartered in Brooklyn, NY that provides online fundraising software to enterprise nonprofits. Fundraise Up's AI-powered platform is leveraged by trusted organizations like UNICEF USA, American Heart Association, Partners In Health, and Stand Up to Cancer, to double their recurring donor acquisition rates and increase overall digital donation revenue by 2X.