Top Payments Startups in North America

Modern Treasury builds payment operations software for high-growth companies. Our API and app modernize payment operations for disruptive companies building products that move and track money—think: rideshare marketplaces, digital wallet, fiat-crypto onramps—providing tools that help them grow faster. Enabling real-time payments, automatic reconciliation, continuous accounting, and compliance solutions, Modern Treasury’s platform is used to reconcile over three billion dollars per month. Founded in 2018, San Francisco-based Modern Treasury is backed by Benchmark, Altimeter, SVB Capital, Salesforce Ventures, NewView Capital, and Y Combinator.

RevenueCat removes the headaches of building and scaling in‑app subscriptions. Since graduating from YC’s S18 batch we’ve grown into the default monetization platform for mobile: we’re in >40% of newly shipped subscription apps, we process $12B+ in annual purchase volume, and we help everyone from a solo dev in Brazil to the OpenAI mobile team understand and grow their revenue. We’re a remote‑first crew of 150+, spread across 25+ countries, and guided by values we actually practice: Customer Obsession, Always Be Shipping, Own It, and Balance. If you want your work to touch hundreds of millions of end‑users (and help the developers behind them get paid), you’ll fit right in.

SIGNIFYD’s full-service cloud platform simplifies fraud detection through a financial guarantee, allowing businesses to increase sales while reducing fraud losses. SIGNIFYD is in use by multiple companies on the Fortune 1000 and Internet Retailer Top 500 list.

OfferUp is changing how people buy and sell locally by making it as easy as taking and sharing a photo from your phone. We are not just about connecting buyers and sellers; we are about creating a simple and safe marketplace that changes people’s lives. OfferUp is a top 10 shopping app on Google Play and a top 20 app in the Lifestyle category on iTunes.

Riskified is the AI platform powering the eCommerce revolution. We use cutting-edge technology, machine-learning algorithms, and behavioral analytics to identify legitimate customers and keep them moving toward checkout. Merchants use Riskified to increase revenue, prevent fraud, and eliminate customer friction. Riskified has reviewed hundreds of millions of transactions and approved billions of dollars of revenue for merchants across virtually all industries, including a number of Fortune 500 companies.

Stripe is a software platform for starting and running internet businesses. Millions of businesses rely on Stripe’s software tools to accept payments, expand globally, and manage their businesses online. Stripe has been at the forefront of expanding internet commerce, powering new business models, and supporting the latest platforms, from marketplaces to mobile commerce sites. We believe that growing the GDP of the internet is a problem rooted in code and design, not finance. Stripe is built for developers, makers, and creators. We work on solving the hard technical problems necessary to build global economic infrastructure—from designing highly reliable systems to developing advanced machine learning algorithms to prevent fraud.

The world’s first checkout experience platform, Bolt offers a lightning-fast, one-click checkout, and connects millions of shoppers to retailers through a unified, cross-brand network. Hundreds of forward-thinking retailers like Forever 21, Badgley Mischka, Milk Makeup, and more rely on Bolt to convert, retain, and delight shoppers.

Most things these days are instant and on-demand, except the money you're working hardest for. At EarnIn, we’re reimagining the way money moves to empower every person’s potential. We believe your hard-earned pay should flow more freely to give you more options, wherever life takes you. EarnIn is an app that lets you access your earned wages when you need them, not just on your scheduled payday. With EarnIn’s Cash Out2 feature, you can get up to $150/day, with a max of $1,000 per pay period — no mandatory fees, no interest, and no credit check. (Cash limits vary by user eligibility.) Transfers usually take 1–2 business days. Other tools like Early Pay3 let you get your paycheck up to two days early and Balance Shield4 can send alerts when your balance is low. The EarnIn app can help you make the most of your money, stay on track, and build progress day-by-day. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners. And we're excited to continue to bring world-class talent onboard to help shape the next chapter of our growth journey.

TapTab is a TikTok-style interface from which diners can place orders and make reservations directly from videos.

At Paystand, we’re not just another fintech company—we’re trailblazers in decentralized finance (DeFi), transforming how businesses manage their finances. With thriving hubs in Santa Cruz, San Francisco, Austin, Minneapolis, Mexico City, Hermosillo, and Guadalajara, we’re leading a global revolution in financial systems. Recognized on the Inc. 5000 list for five consecutive years, we’re among the fastest-growing companies reshaping the future of finance. Our Expanding Ecosystem: Paystand isn’t just a company—it’s a growing global network. With the strategic acquisitions of Teampay, a leader in spend management, and Yaydoo, a top AR and AP platform in Latin America, we’re building an expansive ecosystem designed to revolutionize financial operations and fuel business growth worldwide.