payment-api
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Kushki Goes Beneath the Buy Button
A payment can fail long before a customer runs out of money. Kushki is rebuilding the connections underneath Latin American commerce, one local complication at a time.
Conekta made cash click.
The Mexican payments company found its business in the gap between a shop going online and a customer actually paying. Its next move takes it deeper into the machinery behind the checkout.
PingPong Payments: The 1% Idea That Grew a Payment Network
PingPong began by helping online sellers keep more of their money. Its next wager is that the most useful payment company lives inside the software businesses already use.
Flutterwave learned that the checkout was only the beginning
A payment button looks simple. Flutterwave’s decade of expansion, retreat, and reinvention shows how much machinery it takes to make that button work across Africa.
Routefusion found its business in everyone else's plumbing
Two engineers wanted to build a bank. After several pivots, they built a way for other companies to move money across borders without collecting a small museum of banking integrations.
Fluz makes your shopping pay a little rent
A gift card, a group of friends, and a bank account you already own: Fluz turns ordinary spending into cashback. The interesting part is who pays for it - and how much survives the fees.
The Money You Send Home Has a Second Address
Kredete turns an immigrant’s regular transfer into a chance to build a U.S. credit record. Its first lending marketplace ran into a wall; the company found its way through by following the money people were already sending.
The App That Found Its Business in a Bank Transfer
Afriex’s founders tried a chatbot and a trivia game. The nuisance that survived both experiments - moving money between the US and Nigeria - became their company, then a much larger payments network.
InTouch Wants Africa’s Payments to Meet at One Counter
A Dakar shopkeeper’s tangle of payment services became a business spanning 27 African countries. InTouch’s bet is that the shop counter still matters, even when the money moves online.
IFX Payments wants the complicated customers
The former currency broker is building its business around the payments that need extra attention. Its bet: finance teams will pay for fewer headaches, as well as a competitive exchange rate.
The Australian Who Built a British Card-Killer - Then Sold It Back to Australia
Banked spent eight years trying to build a payments network cheaper than cards. In May 2026 National Australia Bank bought the whole thing - and pointed it at home.
Fortis Wants the Payment to Disappear - and the Workflow to Finally Make Sense
Fortis spent years buying the unglamorous pieces of payment infrastructure that businesses notice only when they break. Now it is turning those pieces into one embedded layer for ERP software, receivables, checkout and reconciliation.
Bitcoin’s Fast Lane Is Getting a Finance Department
Voltage began by putting Lightning nodes in the cloud. Now it is selling something more ambitious: instant payment rails that engineers can call by API and finance teams can settle in dollars.
SUNRATE
SUNRATE is a Singapore-headquartered global payment and treasury management platform for businesses. Founded in 2016, it lets enterprises move money across more than 190 countries and regions in 130+ currencies, collect in 30+ currencies, issue multi-currency commercial cards, and manage FX and treasury through proprietary tools like TreasuryOS - all via a single platform and set of APIs. Backed by investors including Peak XV (formerly Sequoia Capital Southeast Asia) and Prosperity7 Ventures, and a principal member of both Mastercard and Visa, SUNRATE serves e-commerce, travel, logistics, maritime and other cross-border sectors.
Conduit
Conduit is a stablecoin-powered cross-border payments network for businesses. Through a single API it connects banks, local payment rails, and blockchains so companies can move money internationally faster and cheaper than legacy systems like SWIFT. Founded in 2021 by Kirill Gertman and Michael Gregson, the company processes more than $10 billion in annualized payment volume and raised a $36 million Series A in May 2025.
Highline
Highline is a Dallas-based fintech that runs an intelligent payment network called Pay by Paycheck, which lets consumers automate bill and loan payments directly from their paychecks before the money reaches their bank accounts. By capturing funds through a payroll split at the moment payroll is run, Highline helps borrowers avoid missed payments, late fees and overdrafts while giving lenders and billers a more reliable way to get paid - expanding access to lower-cost credit for the roughly 40 million Americans who have steady jobs but thin or subprime credit files.
Xendit
Xendit is a Southeast Asian payments infrastructure company that lets businesses accept, process, and disburse money across Indonesia, the Philippines, Malaysia, and the wider region through a single API. Founded in 2015 and the first Indonesian company backed by Y Combinator, it handles virtual accounts, e-wallets, cards, QR codes, payouts, and fraud prevention for startups, marketplaces, and global enterprises expanding into the region.