payment-gateway
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The Checkout Button That Wants to Move the World’s Crypto
COINPAYMENTS began by making altcoins spendable. Now it is trying to become the quiet infrastructure beneath global commerce - from a WooCommerce cart to a private jet purchase.
How Razorpay Turned the 'Payment Failed' Screen Into a $7.5 Billion Business
It began because two engineers couldn't collect money online for a side project. A decade later Razorpay moves an estimated $180 billion a year for millions of Indian businesses - and is walking toward the public markets.
The checkout has 1,000 doors. Zota wants one key.
Cards are only one dialect in global commerce. Zota built a payment gateway for the hundreds of local wallets, bank transfers, QR systems and currencies that decide whether an international checkout succeeds.
The Payment Company That Fits in a Merchant's Apron Pocket
Once called Cashlez, cashUP rebuilt itself around a simple idea: the smallest shop and the biggest retail chain should accept money the same way. Here is how an IDX-listed payments firm is betting its next chapter on hardware, licenses, and a hard turn toward B2B.
The $625 Million Bet on Making Payments Feel Personal
Celero Commerce assembled a top-tier non-bank payments platform one acquisition at a time. Its sharper idea was to pair the machinery of modern commerce with something the industry keeps automating away: a person who answers.
ManagePay Built a Fintech Toolbox. Now It Wants to Run the Rails.
The Malaysian payments veteran spent two decades assembling wallets, cards, checkout tools and merchant software. Its next act puts that infrastructure behind public transport and branded financial services.
The Checkout Is the Product: Inside Pine Labs' Quiet Commerce Machine
Pine Labs began at the petrol pump and grew into the machinery behind a purchase - the terminal, the installment, the gift card, the gateway and, increasingly, the banking rails beneath them all.
Bob Has Been Selling South Africa Everything Since 1999. Now It Wants the Whole Transaction.
The company that began as bidorbuy - a R1, no-reserve auction site - quietly stitched a marketplace, a payment gateway, a courier network and 250 smart lockers into one login. It is chasing unicorn status the unglamorous way: one parcel at a time.
The Payments Company You Rarely See - Even When It Moves $700 Billion
NMI built a large payments business by staying behind the curtain. Its white-label infrastructure lets software companies and payment specialists assemble, brand and monetize the route from merchant sign-up to checkout to payout.
Exly
Exly is an all-in-one business platform for coaches, trainers, consultants and creators to launch, sell and manage knowledge products - courses, webinars, workshops, e-communities and 1:1 consultations. Spun out of the YC W19-backed startup MyScoot, the Delhi-based company gives solo experts a no-code website, built-in CRM, payment collection and marketing tools so they can run the business side of their practice without stitching together five different apps.
Settle Network
Settle Network is a Buenos Aires-based fintech that builds the fiat-to-crypto rails Latin America runs on. Through its Latamex gateway and Stellar-based settlement infrastructure, it lets exchanges, businesses, and users convert local currencies like the Argentine peso and Brazilian real into crypto and stablecoins - and back again - in seconds. A Y Combinator S22 company backed by the Stellar Development Foundation, Settle became the on/off ramp behind global exchanges including Binance and OKX across the region.
dtcpay
dtcpay is a Singapore-headquartered, regulated payments company that lets merchants, consumers and financial institutions move money in stablecoins as easily as in dollars. Founded in 2019 as Digital Treasures Center by Alice Liu and Band Zhao, it runs a real-time swap engine that converts stablecoins to fiat at the moment of payment, so a shopper can pay in USDC while a merchant is settled in Singapore dollars. The company holds a Major Payment Institution licence from the Monetary Authority of Singapore plus licences and registrations in Hong Kong, Australia, the United States, Canada and a Luxembourg EMI licence covering the European Economic Area. In January 2025 it dropped volatile cryptocurrencies entirely and became stablecoin-only. Its product line spans in-store POS+ terminals, online checkout, payment links, multi-currency wallets, a Visa Infinite "Digital Treasures Card", corporate cards and stablecoin-as-a-service APIs for institutions. dtcpay raised a US$10M Series A led by Vertex Ventures Southeast Asia & India in March 2026, bringing total disclosed funding to roughly US$26.5M.
NomuPay
NomuPay is a Dublin-headquartered payments company that gives enterprises a single API and unified platform to accept payments, disburse payouts and manage money across fragmented markets in Asia, Europe and the Middle East. Built partly from licences and assets of the collapsed German fintech Wirecard, its uP (Unified Payments) platform bundles local acquiring, more than 200 alternative payment methods and real-time payouts so global merchants can expand into hard-to-reach markets without wiring up a new integration for each country. It serves 2,000+ merchants and, after a June 2025 Series C from SoftBank's SB Payment Service, is valued at $290M.
Tazapay
Tazapay is a Singapore-based cross-border payment platform that lets businesses collect, hold, and pay out money in over 170 markets without setting up local entities. Founded in 2020 by three payments veterans, it combines a payment gateway, multi-currency global accounts, escrow, and same-day payouts on top of local payment rails, cards, and stablecoins - all wrapped in institutional-grade compliance. The company processes more than $10 billion in annualized payment volume, serves 1,000+ enterprises and fintechs, and has raised roughly $68 million to date, including a $36 million Series B whose extension was led by Circle Ventures.
TransFi
TransFi is a Dubai-headquartered payment infrastructure company that moves money across borders on stablecoin rails. Its platform lets businesses and Web3 apps collect, convert and pay out funds across fiat and stablecoins, spanning 100+ markets, 40+ currencies, 250+ local payment methods and 130+ digital assets. Founded in 2022 by former McKinsey payments partner Raj Kamal, TransFi targets high-friction emerging markets across Asia, the Middle East, Latin America and Africa, replacing slow correspondent-banking and SWIFT flows with near-instant settlement.
Triple-A
Triple-A is a Singapore-based, globally licensed payments institution that lets businesses accept and send money in stablecoins and local currencies without ever holding, converting, or managing crypto themselves. Founded by serial fintech entrepreneur Eric Barbier, it settles merchant payments in fiat (USD, EUR, and 30+ local currencies) with next-day bank settlement, handling custody, conversion, and compliance behind the scenes. It became the first digital-currency payment company licensed by the Monetary Authority of Singapore and serves merchants including Farfetch, Razer, Charles & Keith, Grab, and the Singapore Red Cross.
Wiseasy
Wiseasy is a Singapore-headquartered payment technology company that builds smart Android payment terminals, cloud device-management software, and payment gateways under an integrated 'Cloud + Software + Terminals' model. Founded in 2012 by Yan Li, it serves banks, payment service providers, fintechs, and mobile operators across roughly 114 countries and regions, and in 2024 raised a Series C led by Qualcomm Ventures while launching 'pi' (π), an on-device AI POS terminal built on the Qualcomm QCS6490 chipset.
Zbooni
Zbooni is a Dubai-based conversational commerce platform that lets businesses capture orders, send invoices, and accept payments directly inside messaging and social apps like WhatsApp, Instagram, and Facebook Messenger. Founded in 2016 by Ramy Assaf and Ashraf Atia, the company champions what it calls cCommerce - selling through the chat window customers already use - and provides merchants a mobile business dashboard, payment links, and its own payment gateway across the UAE, Saudi Arabia, Jordan, and Egypt.
Ziina زينة
Ziina is a Dubai-based fintech that lets people and small businesses send, spend, and get paid from a phone. Launched in 2020 as one of the UAE's first peer-to-peer payment apps, it removes the friction of IBANs and Swift codes by moving money through a phone number, then extends into business tools: payment links, QR and NFC Tap to Pay, a checkout gateway for online stores, and an upcoming business card. Licensed by the Central Bank of the UAE as a stored value facility, Ziina has raised more than $30 million and serves tens of thousands of consumer and business customers across the MENA region.
Everyware
Everyware is an Austin, Texas-based payments and customer-engagement company that lets businesses collect money and communicate with customers over text message. Founded in 2015 by Larry "Austin" Talley and Scott Orlinsky, its Pay By Text platform turns a mobile phone number into a payment method - customers receive an invoice by text or email and pay by replying, without downloading an app or logging in. Everyware combines two-way SMS messaging, online and in-person payments, recurring billing, and identity-verification tools for merchants in healthcare, travel, automotive, nonprofit, retail, and utilities.
Hubla
Hubla is a Brazilian creator-economy platform that lets creators sell and manage digital products - online courses, memberships, mentorships, e-books and paid WhatsApp/Telegram communities - through an all-in-one checkout, payments and member-management system. Founded in 2020 as ChatPay and rebranded to Hubla in late 2021, the São Paulo company processes payments (PIX, card, boleto) and takes a fee on each sale. Backed by Kaszek and Y Combinator, it has grown into one of the country's larger 'Shopify for creators' players and is now leaning into AI sales agents.
Qualpay
Qualpay is a San Mateo-based payments company that combines a merchant account and a payment gateway into a single cloud-based platform. Founded in 2014 by payments-industry veterans, it lets businesses accept card and ACH payments across online, in-person, phone and recurring channels, with tokenization, a customer vault, real-time reconciliation reporting and PCI DSS Level 1 security. In 2022 Synovus Bank took a majority stake to build an embedded finance platform on top of Qualpay's technology.
Rebill
Rebill is a Latin America-focused payments infrastructure company that lets global and digital businesses collect payins, send payouts, and run subscriptions across the region through a single API. With over 100 local payment methods, multi-currency settlement, smart retries that recover failed charges, and a developer-first SDK, Rebill helps companies get paid 'like a local' in markets like Argentina, Brazil, Chile, Colombia, Mexico, Peru, and Uruguay without opening local entities.
Sticky.io
Sticky.io is a San Francisco-based revenue optimization platform for high-volume subscription and ecommerce brands. Built on an intelligent payments engine, it pairs a headless CRM, a conversion-focused checkout and funnel builder, AI-driven payment recovery, and orchestration across 160+ gateways. The platform supports roughly 72 million subscriptions and processes more than $12 billion in transactions annually, helping merchants reduce silent churn and recoup failed payments.
OpenNode
OpenNode is a Bitcoin payment processor and infrastructure provider that lets businesses accept Bitcoin and send payouts globally, settling instantly over the Lightning Network with automatic conversion to local currencies. Founded in 2018 and headquartered in Los Angeles, the company powers checkout, payouts, in-person payments and a developer API for merchants ranging from McDonald's El Salvador to Substack, charging a flat 1% fee with built-in chargeback protection.
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.
Michael Walsh
Michael Walsh ran CyberSource for the decade that turned a quiet payment gateway into a $2 billion mouthful for Visa. He joined in 1998, took North American sales in 2000, ran global sales by 2004, became CEO in January 2010, and closed the Visa deal months later. He had already engineered the $660 million scoop of Authorize.Net in 2007. Now an advisor and board director, he is the kind of operator who reads quietly and signs loudly.
Cybersource
Cybersource is a global payment management platform owned by Visa, helping merchants accept, secure, and optimize digital transactions in 190+ countries. Founded in 1994 and acquired by Visa in 2010 for ~$2B, it powers payment gateway, tokenization, fraud management (Decision Manager) and orchestration services for hundreds of thousands of businesses worldwide.