payments-api
(13)
Cardda
Cardda is a Chilean fintech (YC W22) building all-in-one spend management for Latin American businesses. It combines virtual and physical corporate cards, automated local and international transfers, reimbursements, and accounts payable in one dashboard, plus a payments API for mass payouts. It plugs into Chile's SII tax service and ERPs like SAP, Oracle, Defontana and Nubox, giving finance teams real-time control over company spending.
Coba
Coba is a cross-border financial infrastructure company built for businesses moving money between the United States and Mexico. It started in 2023 as a dual-currency consumer account for Latin American remote workers earning in dollars, and has since pivoted to B2B: multi-currency accounts, CLABE-enabled Mexican peso accounts for US companies, sub-24-hour carrier settlements, and embedded FX rails routed through banking partners, SPEI, ACH, SWIFT, wires, and stablecoins. Its sharpest focus is the US-Mexico freight and logistics corridor, where brokers and carriers have long been underserved by slow, opaque cross-border banking.
Milio
Milio (YC W23) is a Colombian fintech building real-time, account-to-account payment infrastructure for Latin America. Through a single API, banks, fintechs, and enterprises can move money between accounts in seconds - handling collections, disbursements, cross-border transfers, and treasury automation while cutting transaction costs by up to 80%.
M-DAQ Global
M-DAQ Global is a Singapore-headquartered fintech group building foreign-exchange and cross-border payment infrastructure that lets businesses transact across currencies with price clarity and rate certainty. Through a single API and a suite that spans FX pricing, guaranteed rates, collections, payments and treasury tooling, M-DAQ serves e-commerce marketplaces, securities exchanges, fintechs and corporates across dozens of markets, processing billions of dollars in cross-border transactions each year toward its stated goal of a 'world without currency borders.'
Prometeo
Prometeo is a Latin American fintech-infrastructure company that turns the region's fragmented banking landscape into a single API. Through one integration, businesses can validate bank accounts, aggregate financial data, and move money across banks and borders. Founded in Montevideo, Uruguay in 2018, Prometeo has connected thousands of banking channels across more than a dozen countries in the Americas and raised a $13M Series A in 2024 led by Antler Elevate with PayPal Ventures and Samsung Next.
Routable
Routable is a San Francisco fintech that automates the unglamorous plumbing of business payments - accounts payable, mass payouts, and vendor onboarding. Founded in 2017 by Omri Mor and Tom Harel and backed by Y Combinator and the Altman brothers, its cloud-native platform captures invoices with AI-powered OCR, runs approval and compliance workflows, handles tax forms, and pushes money out via ACH, real-time rails, and cross-border methods while syncing back to accounting systems.
Sphere Labs
Sphere Labs is a Boston- and Delaware-based fintech building the payments infrastructure for the stablecoin economy. Founded in 2022 by Arnold Lee and Luigi Charles, the company runs two products: SpherePay, a B2B cross-border payments API that moves money using a 'stablecoin sandwich' - converting local currency into a stablecoin, routing it across borders, then settling into the destination currency in 15-30 minutes; and SphereNet, a 'sovereign-grade' settlement ledger built on the Solana Virtual Machine for regulated financial institutions. Often described as a 'Stripe for crypto,' Sphere pairs developer-friendly APIs and SDKs with embedded compliance to help fintechs, institutions and businesses in emerging markets move value fast, transparently and legally. It raised a $5M strategic round in December 2024 led by Coinbase Ventures and Kraken Ventures.
Astra
Astra is a San Francisco-based fintech that gives developers a single API to move money instantly between bank accounts and debit cards. Built on rails like Visa Direct, RTP, FedNow and ACH, its platform lets fintechs, banks and enterprises embed instant disbursements, account funding and accelerated transfers without building their own payments stack - going live in about 30 days instead of six months. Founded in 2016 by Gil Akos, Sam Morgan and Zach Nolan, Astra has processed more than $1 billion in lifetime payments and is backed by FPV Ventures, Nyca Partners and others.
Dots
Dots is a San Francisco-based global payouts infrastructure company that lets marketplaces, platforms, and service businesses pay workers, sellers, and creators anywhere through a single end-to-end API. One integration unifies bank transfers, PayPal, Venmo, Cash App, and stablecoins, and bundles recipient onboarding, KYC/anti-fraud, and tax form collection so platforms can move money to over 1 million payees across 190+ countries without building payment rails themselves.
Interchecks
Interchecks is a New York-based payments infrastructure company that moves money fast and safely for high-volume businesses. Through a single API and a no-code Payer Portal, it powers both funding (pay-by-bank deposits, account funding) and payouts (push-to-card, real-time payments, ACH, PayPal, Venmo, and checks), layered with built-in risk controls and 1099 tax compliance. Its platform is used across online gaming, prediction markets, on-demand payroll, and digital banking, and the company says it has processed more than $50B in transactions.
Rutter
Rutter is a unified API that lets B2B software read and write financial data across 60+ accounting, commerce, payments, and ads platforms - from QuickBooks and NetSuite to Shopify, Amazon, and Stripe - through a single integration. Founded in 2021 by Peter Zhou and Eric Yu, the New York company is positioning itself as the 'Plaid for commerce,' powering financial workflows like lending, AP/AR automation, supplier enablement, and agentic commerce for 100+ fintech companies including Ramp, Airwallex, and Payoneer.
Finix
Finix is a San Francisco-based payments infrastructure company that gives software platforms, marketplaces, and retailers the tools to own their payments end-to-end. Built around a no-code/low-code PayFac-as-a-Service model and a developer-friendly API, Finix lets SaaS companies monetize payments, manage merchants, and route money across cards, ACH, and wallets without becoming a registered payment facilitator themselves.
Modern Treasury
Modern Treasury is a San Francisco software company that builds payment operations infrastructure for businesses moving money at scale. Its API-first platform connects directly to banks and unifies ACH, wire, RTP, FedNow, and stablecoin rails behind one developer-friendly interface, with a real-time ledger and automated reconciliation built in. Founded in 2018 by three engineers who lived through the pain firsthand at a mortgage marketplace, the company has powered hundreds of billions of dollars in payments for customers like Gusto, Marqeta, Navan, ClassPass, and Procore.