virtual-cards
(16)
Mastercard
The famous circles sit on billions of cards, but Mastercard's real product is the invisible choreography behind a payment - a global network now learning to serve bank accounts, virtual cards, stablecoins and shopping agents without losing the trust that made the plastic useful.
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.
Miden
Miden is a Nigerian fintech building payments infrastructure for businesses across Sub-Saharan Africa. Through a single API, companies can issue virtual and physical cards in USD, NGN and multi-currency formats, run banking-as-a-service programs, open business accounts, and handle bill payments - the plumbing that lets other companies launch financial products without building banking rails from scratch. Founded in 2022 and part of Y Combinator's Winter 2024 batch, Miden has issued over a million cards and processes billions in transaction volume.
Weel
Weel (formerly DiviPay) is a Sydney-based fintech that gives Australian and New Zealand finance teams an all-in-one corporate card and spend management platform. It combines virtual and physical Visa cards, budget controls, approval workflows, accounts payable automation and AI-powered receipt and invoice capture so businesses can track every expense - from a coffee to a large invoice - in real time and sync it straight to their accounting system.
YAP
YAP is a Dubai-based digital banking platform that lets people open an account, get an instant IBAN and Mastercard, send and receive money, pay bills and track spending entirely from a mobile app. Launched in March 2021 as the UAE's first independent digital banking platform, YAP does not hold its own banking licence in the UAE; instead it partners with licensed banks (originally RAKBANK) to provide the underlying accounts while YAP builds the customer-facing experience, analytics and card controls. The company has raised roughly $41 million and is expanding across the Middle East, Africa and South Asia, targeting Saudi Arabia, Egypt, Pakistan and Ghana.
Cristina Vila Vives
Cristina Vila Vives is the founder and CEO of Cledara, a SaaS spend-management platform that gives companies visibility and control over their software subscriptions. After more than a decade running operations teams in the financial industry, she launched Cledara in 2018 to solve a problem she kept seeing firsthand: companies losing money and time to a sprawling, unmanaged stack of software. Cledara now serves over a thousand customers across Europe and the United States, and Forbes has named her among the business leaders changing the world.
Cledara
Cledara is a software management and spend platform that helps growing companies discover, buy, manage and cancel their SaaS subscriptions from one place. By pairing virtual cards with a system of record for every application, Cledara gives finance and IT teams real-time visibility into software costs and usage, automates invoice collection and accounting, and enforces approval workflows. Founded in 2018 by Cristina Vila Vives and Brad van Leeuwen, it serves 1,000+ customers across 32 countries.
ConnexPay
ConnexPay is a Plano, Texas payments-technology company that unifies the two traditionally separate halves of the payment process - accepting customer payments (PayIns) and issuing supplier payments via virtual cards (PayOuts) - into one platform, one contract and one reconciliation. Founded in 2017 by former U.S. Bank payments executive Bob Kaufman, it lets travel agencies, marketplaces, insurers and other 'high-risk' merchants use incoming card revenue to instantly fund outbound supplier payments, removing the need for pre-funded accounts and reducing risk while capturing card rebates.
Pliant
Pliant is a Berlin-based B2B fintech that turns corporate payments into programmable infrastructure. Its API-first platform lets companies issue physical and virtual credit cards, automate spend controls and receipt handling, and plug card data straight into accounting systems like DATEV and NetSuite. Through its cards-as-a-service model, banks and software platforms can launch their own branded card programs. Founded in 2020 by Malte Rau and Fabian Terner, Pliant runs on the Visa network across 30-plus countries, serves more than 3,500 businesses, and raised a $40M Series B in 2025 to expand into the United States.
Malte Rau
Malte Rau is the Berlin-based CEO and co-founder of Pliant, a B2B fintech that lets companies and banks issue physical and virtual credit cards and plug the resulting data straight into their finance stacks. A former risk manager and fintech investor, he founded Pliant in February 2020 with Fabian Terner and has grown it into a modular, API-first card-issuing platform serving thousands of European businesses. In April 2025 the company closed a $40 million Series B led by Illuminate Financial and Speedinvest to fund its expansion into the United States.
Increase
Increase is a banking infrastructure company that gives technology companies a programmatic way to store, move, and reconcile money. Through a single set of APIs it exposes the core U.S. payment rails - ACH, wires, real-time payments, FedNow, checks, and cards - with direct network connections and transparent access to the underlying data. Founded in 2020 by Stripe's first employee Darragh Buckley and based in Bend, Oregon, Increase is self-funded, became profitable in 2025, and processes hundreds of billions of dollars in payments each year for fintechs like Ramp, Check, and Pipe.
Boost Payment Solutions
Boost Payment Solutions is a New York-based fintech that quietly removes the friction from large commercial card payments. Founded in 2009 by payments veteran Dean M. Leavitt, Boost uses patented straight-through processing and a rules-based payment engine to let buyers pay with cards while suppliers get paid automatically, with the data and reconciliation already handled. Operating in dozens of countries and partnered with Visa and Mastercard, Boost has positioned itself as a leading independent infrastructure layer for B2B card payments.
Interlace
Interlace is a Singapore-based fintech that lets companies issue branded physical and virtual cards through a single API, connecting to 30+ card BINs and bridging stablecoins with traditional banking rails. As a Visa Hong Kong Principal Member, it offers card-as-a-service, multi-currency business accounts, banking-as-a-service and crypto on/off ramps to over 12,000 enterprise clients across 180+ countries, having issued more than 6 million cards.
Dean Leavitt
Dean M. Leavitt is the founder and CEO of Boost Payment Solutions, a New York fintech he launched in 2009 to build commercial card and B2B payment rails for large enterprises. A 30-plus-year payments veteran who previously ran public and bankruptcy-rescued processing companies, he spotted a vacuum in the roughly $125 trillion global B2B market and built patented straight-through processing technology now used across 45-plus countries by more than half the Fortune 100. Boost has landed on the Inc. 5000 five times and raised a $22 million Series C led by Invictus Growth Partners in 2021.
Lithic
Lithic is a New York-based fintech that gives developers programmable card issuing and money-movement infrastructure. Born out of consumer brand Privacy.com, the company builds the API rails that let other companies create, manage and process virtual and physical payment cards with minimal code. Today it powers debit, credit and prepaid card programs for fintechs like Mercury and Coinstar, processing more than $1 billion in annual volume.
Bo Jiang
Bo Jiang is the co-founder and CEO of Lithic, the New York card-issuing platform that started life as the consumer privacy tool Privacy.com. He and two childhood friends built the burn-after-use virtual card people loved, then discovered the real prize was the issuer-processor plumbing underneath it. When developers started reverse-engineering Privacy.com's API to issue their own cards, Jiang turned the back end into the product, rebranded to Lithic, and now sells programmable money movement to high-growth companies.