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London’s Best Payments Companies – To Work For and Buy From

This article showcases our top picks for the best London based Payments companies. These startups and companies are taking a variety of approaches to innovating the Payments industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top London Payments Companies

Data sourced from Crunchbase and SemRush.

Wise

Wise

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Wise provides a core money transfer product, along with a borderless account for its audience of ex-pats, freelancers, and travelers, which holds over £2 billion in current deposits. The company was launched in 2011 with the vision of making international money transfers cheap, fair, and simple.

Its multi-currency account helps over 10 million people and businesses manage their money across the world.. .

Checkout.com

Checkout.com

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Checkout.com provides fintech companies with a cross-border payment solution for digital commerce. The business offers direct access to domestic acquiring across payment methods and geographies, including all major credit and debit cards, online banking, PayPal, Apple Pay, and other eWallets.

This is achieved through a unified integrated platform which also provides fraud management tools, analytics, and comprehensive reporting features.. .

PPRO

PPRO

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PPRO provides local payment infrastructure for online commerce. It also provides access, processing, and collection services for alternative payment methods and value-added services.

Founded in 2006, their vision from the start has been to simplify access to the many different payment methods required by consumers and businesses across the world. Today they offer a full range of flexible services for payment industry leaders as well as e-money issuing programs for consumers and corporate.

Headquartered in the UK, they are FCA licensed to issue e-money, are principal members of Mastercard and VISA, and continue to strengthen their links with alternative payment method schemes and banks around the world.. .

Railsbank

Railsbank

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Railsbank is an open banking API and a banking-as-a-service platform that gives regulated and un-regulated companies access to global banking. The platform provides fintech companies with a range of wholesale banking services, including IBANs, receiving money, sending money, converting money, direct debit, issuing cards, and managing credit through APIs.

It also enables marketers, product managers, and developers to take their financial product prototype, launch, and scale their vision using its open finance platform, financial operations, regulatory licensing, and rich set of APIs. Railsbank was founded in 2015 by Nigel Verdon and Clive Mitchell and is based in London, England..

Modulr

Modulr

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Modulr is a fintech company that provides Payments as a Service API for digital businesses. It enables users to automate payment flows, embed payments into the platform, and build new payment products and services themselves from a single API.

Modulr has direct access to the Bank of England and claims to facilitate a fast experience that digital customers demand. The company was founded in 2015 and is headquartered in London, England..

GoCardless

GoCardless

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GoCardless is the global leader in recurring payments. GoCardless’ global payments network and technology platform take the pain out of getting paid for businesses with recurring revenue.

More than 40,000 businesses worldwide, from multinational corporations to SMBs, transact through GoCardless each month, and the business processes $10bn of payments each year. GoCardless now has four offices in the UK, France, Australia, and Germany..

Revolut

Revolut

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Revolut is a financial services company that specializes in mobile banking, card payments, money remittance, and foreign exchange. It includes a pre-paid debit card, currency exchange, and peer-to-peer payments.

It is on a mission to build a fair and frictionless platform to use and manage money around the world.. .

Rapyd

Rapyd

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Rapyd is a payments platform that inserts fintech services into any app and simplifies the complex offering of local payment methods. It enables e-commerce merchants, gig platforms, challenger wallets, remittance platforms, online lenders, and traditional banks to break free of their old infrastructure and limitations and create new mobile-friendly solutions.

By utilizing Rapyd’s payments network and Fintech-as-a-Service platform, businesses and consumers can engage in local and cross-border transactions in any market. The Rapyd platform unifies the fragmented payment systems by bringing together 900-plus payment methods in over 100 countries.

Investors such as Stripe, General Catalyst, Oak FT, Coatue, Tiger Global, Durable Capital, Target Global, and TaL Capital backs the company. In 2016, Arik Shtilman, Arkady Karpman, and Omer Priel established the company in London, England..

WorldRemit

WorldRemit

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WorldRemit is an online service that lets people send money to friends and family living abroad, using a computer, smartphone or tablet. It is a convenient, low-cost alternative to traditional money transfer companies that use high street agents and charge high fees.

Money can be received as a bank deposit, cash pick-up, Mobile Money, or mobile airtime top-up. WorldRemit’s service is available to senders in 50 countries.

They offer transfers to more than 140+ destinations across Europe, Asia, Africa, Australia, and the Americas.. .

Soldo

Soldo

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Soldo integrates prepaid Mastercard® cards, a web-based administration console and a mobile app into one intuitive future-ready platform. Soldo was founded by a group of tech veterans and payment pioneers who refused to accept the inefficient and fragmented state of business spending in the 21st century.

With decades of experience in payment services and transactional system development, the team didn’t just slap a brand on an ‘easy’ solution or quick-fix. Instead, they invested heavily in the creation – from scratch – of a world-class technological, regulatory and operational platform.

Soldo’s rock-solid innovation and talented team has attracted in excess of $80 million, in Seed, Series A and Series B funding. Our investors include Accel Partners, Dawn Capital, Battery Ventures, Connect Ventures, InReach Ventures, U-Start and R204 Partners..

Paddle

Paddle

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Paddle develops a Revenue Delivery Platform for B2B SaaS companies that powers growth across acquisition, renewals, and expansion. With Paddle, companies are finally able to transform their revenue delivery infrastructure into a strategic growth lever to respond faster and more precisely to every opportunity.

Paddle has 140 talented employees serving over 2,000 software sellers in 245 countries and territories globally. Backed by investors including FTV Capital, Kindred, Notion, and 83North, Paddle aims to define the next wave of B2B SaaS leaders.

It was founded in 2012 and is headquartered in London, England.. .

Trussle

Trussle

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Trussle is a free online mortgage broker that’s making mortgages fairer for everyone. Trussle has taken the mortgage process online, removing the time, hassle and costs involved in securing a mortgage.

Trussle is completely free for customers and receives a fee from the lender once the mortgage was completed. Trussle is a trading style of Trussle Lab Ltd, which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which is authorized and regulated by the Financial Conduct Authority..

Ebury

Ebury

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Ebury is a financial services company designed to empower small and medium-sized businesses that want to trade internationally. With Ebury’s integrated financial services and technology, small and mid-size companies can make and receive payments in foreign currencies, enjoy better exchange rates, use emerging-market currencies, hedge currency risk, benefit from liquidity, and finance transactions in more than 100 currencies, easily with a managed service.

In addition, its white-label products are offered via brokers and accountants. Ebury is a growing financial services companies, employing more than 170 people across offices in London, Madrid, and Amsterdam.

Its clients include more than 3,000 mid-size companies. It is regulated by the Financial Conduct Authority..

Paysend

Paysend

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PaySend is a financial technology platform that solves the universal problem to securely enable any bank card (Visa or MasterCard) to send and receive money worldwide. It is a next generation money transfer platform allowing its users to send funds from card to card from 40 to over 60 countries.

PaySend is a trading name of PaySend plc, registered in Scotland, United Kingdom. Company number 376020.

Founded in 2015, the company is headquartered in London, England, United Kingdom.. .

MishiPay

MishiPay

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Mishipay is an app allowing you to never have to stand in line to pay at a store again.

TransferGo

TransferGo

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TransferGo is a global money transfer company that supports migrant workers to send money back to their relatives without paying unnecessary bank fees. Through the company, migrants have the ability to transfer money overseas with the help of a digital account-to-account business model.

As it is a licensed and authorized payment institution controlled by the FCA under the supervision of HMRC, the company is considered as a secure way of transferring money. Since it removes the costs of international transfers, TransferGo is a fit for businesses to pay their suppliers.

It charges a fixed fee for transferring money as well as a 0.6% to 1.5% fee for the currency conversion per transaction.. .

Primer

Primer

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Primer enables e-commerce merchants and online payments facilitators to consolidate their payments services stack.

PaymentSense

PaymentSense

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Paymentsense is a financial technology company providing card payment solutions for small and medium-sized businesses in the UK and Ireland.

Omnio

Omnio

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They are Omnio. They work with you to help your business deliver innovative, reliable banking and payment services that meet both your current and future customers’ needs.

Formed in 2018 from the merger of leading Fintech specialists, PCT and Tuxedo Money Solutions, they are experts in the delivery of banking and payment solutions for business. Through our cloud-based digital platform and our back office services, they can support your business in offering reliable and robust banking-grade financial services to your customers.

With operations in Europe, Australia, North America and Africa, they support many of the world’s leading businesses and government organisations in delivering innovative and effective financial products.. .

Form3

Form3

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Form3 delivers cloud-based connectivity, payment processing, clearing and settlement services. It is a fully managed payment technology service combining a powerful AWS cloud processing platform, multiple-scheme payment gateways and a fully managed 24×7 service model.

Form3’s powerful micro-services architecture and API’s provide a single point of simple access to the full universe of payment schemes. Its clients include a wide range of regulated financial institutions, including leading banks, non-bank financial institutions, and fintech companies (payment institutions, e-money providers, and pre-paid card providers).

Form3 was founded in 2016 and is based in London, England.. .

Ravelin

Ravelin

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Ravelin is a smart fraud detection and prevention platform that helps companies stop online payment fraud.

WeGift

WeGift

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Businesses from every walk of life use rewards to acquire, retain and thank customers but the current process is broken. Sending rewards, incentives and non-cash payouts is manual, expensive, time-consuming and error-prone.

WeGift changes this. Operating in more than 30 countries, in 22 languages, 20 currencies, with over 700 brand partners, and hundreds of clients, like Perkbox, Sodexo, New Look and Halfords among others, WeGift’s cloud-based, open API solutions allow businesses to transfer value to consumers, in real-time and globally.

Established in 2016, WeGift is backed by leading entrepreneurs and investors.. .

Transak

Transak

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Transak is a single integration for applications to accept fiat-to-crypto deposits and withdrawals from a global user base. It does this by aggregating fiat on-ramps from around the world and abstracting away the complexity of local compliance, payment methods, and operations.

The Transak product is a widget integration that can be integrated into an app in just a few lines of code. It provides a fiat on-ramp for the UK, Europe, and India for the app’s end-user without leaving their site..

Yoyo Wallet

Yoyo Wallet

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Yoyo Wallet is a U.K.-based mobile wallet startup that enables its users to pay for their goods with their smartphones. The company currently processes over 150,000 monthly in-store transactions by combining payment and loyalty via an easy scan.

It also provides a marketing platform for retailers that enables digital customer engagement in-store. The multi-retailer mobile wallet offers loyalty programs and rewards offerings it can automatically deliver to customers based on buying patterns.

Launched in 2013, Yoyo Wallet receives funding from Taavet Hinrikus and TransferWise.. .

APEXX Global

APEXX Global

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APEXX acts as a Payments-as-a-Service platform combining all the worlds acquirers, gateways, shopping carts, and Alternative Payment Methods into a single integration. APEXX consults its enterprise level customers to consolidate their global Payment Service Provider relationships, and display all their reporting and transactional data in a single interface.

They build the most holistic and economic solutions around their customers for face-to-face transactions as well as ecommerce globally, so they don’t have to settle for less. APEXX integrates to additional services that merchants require to streamline their services.

Some of these include: EPOS systems, VAT calculation tools, AML management services, banking services, Foreign Exchange platforms, and Fraud & Chargeback management softwares.. .

Tymit

Tymit

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Tymit is a provider of credit cards that offers financing purchases overtime and manages the monthly budget. It helps to potentially provide a better option compared with the incumbent services, which could result in higher risk of debt problems.

The company’s card is made by leveraging updated technology that offers financial flexibility to change payment plans, no hidden fees or sneaky terms that expires without notice, enabling customers to get a credit card that is economical, transparent, flexible and feasibly available anywhere when needed. Tymit was founded by Martin Magnone and Juan Montalvo Bressi in 2017..

Curve

Curve

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Curve is a banking platform that consolidates cards and accounts into one smart card and app. It allows customers to supercharge their legacy banks to the 21st century without leaving their bank or topping-up.

Curve offers a host of benefits to its customers; it makes cards fee-free when spending abroad, get instant notifications and categorization of spend, earn an instant 1% cashback at the likes of Amazon, Uber, Netflix and Sainsbury’s and Time Travel enables customers to swap spend to a different card in the app for up to two weeks after the purchase was made. Curve also offers Curve Customer Protection, a policy that covers all credit and debit card payments made via the Curve card up to £100,000, giving cardholders an extra layer of protection for disputes with merchants and any unauthorised use of their Curve card.

IDC Ventures backs Curve with Fuel Venture Capital, Vulcan Capital, OneMain Financial, and Novum Capital backs Curve. Shachar Bialick, Anna Mostyn Williams, and Tom Foster-Carter established the company in London, England in 2015..

Taptap Send

Taptap Send

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Taptap Send is an app that lets immigrants send money back home to Africa instantly and at very low prices. Since launching in summer 2018, it has already moved hundreds of millions of dollars and reached hundreds of thousands of customers.

It is live in seven European countries, and support payments into Ivory Coast, Senegal, Mali, Ghana, Guinea, Cameroon, Bangladesh, Kenya, Madagascar, Zambia, Vietnam, and DRC, with more countries launching soon. .

Payosu

Payosu

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Osu provides businesses and consumers with a fast, simple, and safe push-payment solution.

Payhawk

Payhawk

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Payhawk is a spending software that simplifies expenses, payments, and card spending for growing businesses. The company’s platform enables financial officers and business owners to manage the entire spending lifecycle end-to-end.

It collects and analyzes receipts, invoices, and card transactions to help stay in control of the budget with no paperwork for the employees. With its paperless corporate card linked to an automated expense management, Payhawk provides a product on top of existing banks.

Payhawk was founded in 2018 and is headquartered in London, England.. .

YayPay

YayPay

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YayPay builds modern accounts receivables management software powered by data science for finance, credit and collections teams. It serves mid-market and enterprise customers through automation of the credit to cash process with credit assessment, invoicing, collections management, online payment portal, cash application and predictive analytics.

The company was founded in 2015 and is headquartered in New York.. .

Weavr

Weavr

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Weavr provides an open publicly-accessible cloud-based platform that connects payment networks and financial providers, and tools for innovators to define, deploy and consume digital payment flows. Businesses need to master payment flows to realize the full benefits of digitization, but as payment capabilities – such as open banking, new payment card transactions, real-time bank payments, DLT-based value transfers – proliferate and compliance burdens grow – PCI DSS, but also Secure Customer Authentication and new AML directives – complexity is an increasing barrier for innovators.

Weavr addresses these challenges in practical ways, simplifying how digital payments are purchased, delivered and consumed.. .

Lendable

Lendable

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Lendable is a lending platform. When you borrow money, it comes straight from an investor.

Unlike banks, who hand out loans from piles of cash they look after on behalf of savers. Their platform is super-fast (you’ll see in a moment), and makes lending as hassle- free as possible.

It’s a matter of a few clicks and you get your quote. Unlike banks, who require paperwork and run expensive branch networks..

Fly Now Pay Later

Fly Now Pay Later

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Fly Now Pay Later is a fintech company that helps consumers spread the cost of their travel over a flexible duration.

Kantox

Kantox

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Kantox is an online, peer-to-peer finance platform that provides currency exchange and international payment solutions for SMEs and mid-cap companies. The platform and its advanced solutions help its customers regain control of their currency exposure.

It provides its services to the travel, engineering, investments, fashion, e-commerce, and automotive industries. Kantox was founded in 2011 and is based in London, United Kingdom..

Baanx Group

Baanx Group

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WHITE LABEL MOBILE BANKING FOR THE DIGITAL AGE “Better then a Banking platform” ​ Bridging the Gap between Fiat and Digital assets with a secure multi-currency platform. Mobile wallets + debit cards + payment gateways + remittance + ‘free’ FX.

All API driven to be integrated into your app or as a 100% managed service to your community. Baanx launches white label mobile banks in days, not months or years for corporate clients including telcoms, exchanges, global brands, and others.

Buy, Hold, Exchange and Spend all your Digital Assets from a branded App and get fast-tracked to the future.. .

Monitise

Monitise

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Monitise is a technology and services company that delivers mobile banking, payments, and commerce networks worldwide. Monitise enables financial institutions and other payments companies to defend and extend their market position by protecting their existing customer relationships and transactions while enabling new forms of mobile commerce revenue.

Monitise powers bank-grade solutions that are delivered on premise, or via cloud services. The value of payments and transfers initiated via Monitise’s technology platform is more than US $20 billion on an annualized basis.

The company provides services to more than 350 financial institutions and other leading brands globally, have 30 million users and strategic partnerships with Visa Inc., Visa Europe, RBS Group, Telefónica Digital, and FIS to develop and deliver Mobile Money services. Monitise was founded by Alastair Lukies in 2003 and has expanded its services to the UK, the US, Turkey, India, Hong Kong, and Indonesia..

Ben

Ben

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Supercharge your benefits, save time and money

Previse

Previse

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Previse uses Artificial Intelligence to enable corporate buyers to safely ensure they pay all their suppliers instantly. Paying all suppliers instantly eliminates their need to rely on expensive short term credit, lowering costs for buyers and giving SMEs the confidence to reinvest in growing their businesses, boosting the economy.

Suppliers simply click to agree to instant payments. Previse then uses hundreds of millions of data points and sophisticated Artificial Intelligence algorithms to provide a score of a corporate buyer’s likelihood to pay the invoice.

This allows funders to instantly release funds to the supplier to meet the invoice. Previse sits alongside funders’ existing payment technology.

Its frictionless adoption requires no changes to either buyers’ or funders’ existing payment infrastructure or on-boarding of new processes or technologies.. .

Glint

Glint

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Glint is a FinTech company making gold an alternative global currency by enabling its clients to save, exchange, spend and send multiple currencies including physical gold. It democratizes gold and makes it easy to cost effectively buy, sell, share and a viable option to spend.

It provides multi-currency wallets, currency exchange, peer-to-peer payments and for the first time the ability to instantly spend gold via the Glint Mastercard anywhere in the world Mastercard is accepted. Glint’s transactional gold currency account offers users the ultimate form of money, insulating them from the destructive effects of inflation and protecting them from the systemic risk of future global financial crisis.

Apart from gold, a Glint account also enables clients to buy, exchange, save, and spend multiple currencies such as USD, GBP, and EUR. It gives clients more control in the way they save, exchange, and spend money..

Paysafe

Paysafe

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Paysafe Group (Paysafe) is a leading specialized payments platform. Its core purpose is to enable businesses and consumers to connect and transact seamlessly through industry-leading capabilities in payment processing, digital wallet, card issuing, and online cash solutions.

Delivered through an integrated platform, Paysafe solutions are geared toward mobile-initiated transactions, real-time analytics, and the convergence between brick-and-mortar and online payments.. .

Currencycloud

Currencycloud

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Currencycloud is a global payments platform built on smart technology that takes the complexity out of moving money. Developers use their API building blocks to build customized payment solutions.

Whether you want to embed their payments infrastructure into your products or services, or build on top of it, they will fit into your business in a way that works for you. They take care of all the intricacies and regulatory hurdles involved with cross-border payments, giving you the tools to globalize your business..

SETL

SETL

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SETL is an inititive to deploy a multi-asset, multi-currency institutional payment and settlements infrastructure based on blockchain technology. The SETL system will enable market participants to move cash and assets directly between each other, facilitating the immediate and final settlement of market transactions.

The SETL system maintains a permissioned distributed ledger of ownership and transaction records, simplifying the process of matching, settlement, custody, registration and transaction reporting.. .

Agitate

Agitate

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Agitate is a payment and identity company.

Banked

Banked

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Banked provides an account-to-account payment software platform.

Cryptopay

Cryptopay

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Cryptopay is a digital currency firms, offering crypto-wallets, debit cards, B2B payments, & investments.

Judopay

Judopay

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Judopay is the market leader in mobile-first payments. Born out of a frustration with friction-filled checkouts, Judopay built a flexible and seamless solution designed to drive sales and improve the customer experience.

Partnering with brands such as KFC, Countrywide, Wahaca, Connect Cashless Parking and Chip, Judopay provides payments solutions for a range of verticals including retail, food & beverage, finance, mobility and digital disruptors.. .

dopay

dopay

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dopay provides a cloud-based payroll service that allows employers to calculate salaries and make payments electronically. Worldwide there are 2 billion people that have jobs but no bank account.

Companies feel this acutely. Since both their employees and their customers are unbanked, they have to manage huge amounts of cash.

DoPay breaks this cash cycle by offering a payroll and cash management service for companies. Employees receive a DoPay card and DoPay app, which give them a full banking experience.

They are already working in partnership with Barclays to provide payroll services to several multinationals, embassies and local companies in Egypt and aim to expand into the largest unbanked regions of the world.. .

Vitesse PSP

Vitesse PSP

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Vitesse is the smart way to make secure global money transfers.

FNA

FNA

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FNA is a deep technology analytics company that offers financial system services. Its platform allows financial institutions to map and monitor complex financial networks and to simulate operational and financial risks.

FNA’s clients include the world’s largest central banks, financial market infrastructures, and leading financial institutions. The company is driven by a mission to make the financial system safer and more efficient and to play a pivotal role in the growing Artificial Intelligence and Machine Learning ecosystem, where FNA’s engine powers use cases across a growing number of business domains.

FNA was founded in 2013 and is based in London, England.. .

Adhara

Adhara

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Adhara is a software company that builds advanced liquidity management, Fx and payments solutions for banks, central banks and consortiums of banks within the financial industry (e.g. Fnality).

Adhara’s solutions are based on the concept of tokenization of money and CBDCs, leveraging smart contracts over standard, financial-grade blockchain technology. Adhara’s solutions include: – A CBDC Suite that can be used by central banks and specialized players to issue digital currencies of different sorts – Financial infrastructure platforms that orchestrate international, cross-currency, payments processes, as well as Delivery-vs-payment / trading processes in the capital markets, both using CBDCs and/or tokenized money as a means for settlement – Advanced, real time liquidity management and internal payments solutions for commercial banks and their clients Founded in 2018, the company is headquartered in England, UK, and has subsidiaries in Madrid, Spain and Cape Town, South Africa.

Hammock

Hammock

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Hammock is a technology platform that helps landlords reconcile transactions on the go. The platform provides current account and data analysis services for the property sector.

It brings FinTech and PropTech together, helping landlords and property managers save time and money in the management of their finances. Hammock translates information from individual transactions into real-time, actionable insights so they can monitor and optimize the performance of their portfolio.

It also manages their property finances, from rent collection to insights into profit and loss, including bookkeeping and reconciliation. Hammock was founded by Manoj Varsani in 2019 and is headquartered in London, England, UK..

Ixaris

Ixaris

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Ixaris is a payment optimisation company with an extensive portfolio of Mastercard® and Visa virtual cards, helping companies make smarter payment choices. ​ Ixaris optimises £billions in outbound payments for sectors including travel, media and insurance.

From launching Europe’s first virtual cards to shaping the future of airline payments, innovation is in Ixaris’ DNA. ​ Ixaris group companies are based in London, Brussels and Malta..

TruRating

TruRating

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TruRating develops solutions that enable businesses to obtain customer feedback and insights which assist them in their business decision making. TruRating offers a POP rating system that enables customers to rate products and services of businesses and earn rewards.

TruRating was founded by Georgina Nelson in 2013 and is based in London, England.. .

Corefy

Corefy

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Payment Platform & Payments Hub

SatoshiPay

SatoshiPay

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SatoshiPay offers solutions for B2B cross-border money transfer and frictionless micropayment processing through its blockchain-based instant payments platform. The company was founded in 2014 and is headquartered in London, with development led through its Berlin office.

SatoshiPay is backed by Europe’s largest digital publishing house Axel Springer and San Francisco-based Stellar Development Foundation. Find frequent updates at satoshipay.io and Twitter @SatoshiPay..

Loot Financial Services

Loot Financial Services

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Loot Financial Services offers a one of a kind service. Combining a pre-paid Visa debit card and a budgeting app for your phone, you have all the tools you need to stay on top of your finances.

No need to worry about manually entering all of your spends for the month – Loot takes care of it for you.. .

Trilo

Trilo

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Trilo is a consumer-led digital payment network. Earn cashback whenever you pay, and receive your funds in minutes for only 0.2%.

No more cards, No more interchange, No more fuss.. .

Freemarket

Freemarket

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Freemarket works with businesses to accelerate their growth by giving them access to cross-border payments and currency exchange optimised for their needs. Freemarket’s platform gives you access to a global bank network and innovative technology in one place, allowing you to streamline your processes, remove complexity and increase efficiency.

Freemarket was founded in June 2010 by Alex Hunn. And it is headquartered in London, England..

MONI

MONI

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MONI is building the bridge between the now and the future of banking and financial services. Our mission is to provide simple low-cost mobile personal banking tools for everyone, everywhere – and credit in real-time.

We do not believe in the anarchy of destructing the old, we believe in future-proof evolution. We are building a hub connecting the current banking, payment and credit provisioning systems to new technologies such as cryptocurrencies.

Our technology reduces system complexity, cuts out middlemen, reduces costs for all parties, and decreases fraud. MONI technology, accessible from any feature or smartphone, enables every citizen to identify themselves and provides them with basic financial services.

Our technology works today, on any carrier network, anywhere in the world.. .

Paychant

Paychant

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Paychant enables businesses and individuals in Africa to accept digital currencies as payment in their day-to-day commerce.

Tab

Tab

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Tab is a Booking and payment platform for travellers abroad – cheaper and safer for travellers & tourist businesses.

Token

Token

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Token is an open banking payments platform driving the shift from card to bank payments with best-in-class, Pan-European bank connectivity, data, and compliance capabilities. With Token’s complete toolkit, the best and brightest merchants, PSPs, and banks create new capabilities and revenue streams through our broadest, Pan-European connectivity to over 3,000 banks.

Token is both bank and developer-friendly, and multi-standard by design. Token Pay is the simplest way to bypass traditional methods and accept faster, lower-cost bank payments.

Token Pay provides secure access to over 3,000 banks in Europe to initiate real-time account-to-account (A2A) payments straight from apps and websites. All from a single interface.

Integrate with Token Pay directly or via a PSP to deliver the secure, one-click checkout experience customers expect. Unlike card payments, A2A payments don’t have high scheme or interchange fees..

Tipjar

Tipjar

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Tipjar is a cashless and contactless tipping platform.

Cybertonica

Cybertonica

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Cybertonica uses Machine Learning and Artificial Intelligence to manage risk and fraud, increasing trust and growing frictionless banking and m/e-payments globally. Cybertonica’s service increases conversion and sales by up to 25% while managing card-not-present and other categories of fraud at world-class compliant standards.

Our goal is to build Trust in Transaction. Cybertonica has won numerous distinctions and awards since its product came to market, including the “Best Use of Payments Data Award” at Emerging Payments Awards 2018 and the “Best Data Analytics and Science Award” at Merchant Payments Ecosystem Awards 2018.

Cybertonica also was named finalist for the “FinTech Start-up of the Year Award” at EWPN Awards 2019 and received the “Best New Back Office Innovation Award” at the Emerging Payments Awards 2017. Our new ScreenWiZe™ product adds device risk management through SDKs (iOS and Android) to the mobile authentication and malware prevention capabilities of our customers whether banks, acquirers, merchants or transactions security.

We are PSD2 ready and GDPR compliant. Cybertonica’s vision is for a world of frictionless transaction and trust in 99.9% of transactions.

Visit cybertonica.com to join us and build the future of Trust in Transaction.. .

Citizen

Citizen

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Citizen gives companies an easy way to accept cardless payments. We have direct API connections with customer and business’ banks across Europe.

This bypasses payment card infrastructure, making payments faster and simpler while removing security vulnerabilities. Cardless payments via Citizen only pass through a single intermediary.

We service the transaction from end-to-end, and provide a polished customer experience. Citizen can be integrated easily with any online store or platform, requiring minimal setup..

Applied Blockchain

Applied Blockchain

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Applied Blockchain builds private and secure business applications

Propoly

Propoly

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Propoly is a digital platform that enables letting agents to use the latest technologies to reduce on admin.

Edge

Edge

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Data-driven contracting and payment platform optimising contracting, payment and data solutions.

trustshare

trustshare

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Escrow infrastructure as a service. We allow brands that consumers trust to go live with a fully branded escrow solution in 5 lines of code.

Lumio Technologies

Lumio Technologies

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Lumio is your Intelligent financial mentor. Using tailor-made technology to grow your money around your lifestyle, in minutes.

Lumio empowers customer to connect your accounts in one place, de-clutter the marketplace and begin growing your money in a meaningful manner. We work across all possible avenues of personal finance.

Providing guidance on current, savings and investment accounts to settle on the perfect balance for you. We sit above the most innovative and simple providers in the market which allows us optimise your finances line with your aspirations..

Rizq

Rizq

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Rizq is the UK’s first alternative Islamic digital banking app. Rizq bestows a personal and seamless digital Islamic banking experience, which fully appreciates a Muslim’s core values – on an emotional, as well as a lifestyle level.

Signup up and using Rizq is extremely simple, plus – we save you tonnes of cash on everything from daily shopping, to overseas money transfers. Rizq enables you to make lightning-quick payments, set up budgets, donate to any charity of your choice, and earn cashback in some of the UK’s most popular retailers.

The task of opening and maintaining ethical Sharia-compliant banking products in the UK is confusing, tedious, and operationally traditional. British Muslims are looking for a current account that can provide a seamless experience within the western world, without compromising on their beliefs and value system.

Unfortunately, current banking solutions are disconnected to the audience and those people who engage them. So – whilst Muslims want to create meaningful connections within the community, to support local charities and businesses, and generally empower their finances to be a driver for positive change – it is difficult to achieve this without an enabler.

Enter, Rizq. The Rizq team have lived the problem, and are now solving it by crafting a personal and seamless digital Islamic banking experience.

Our aim is to facilitate financial success within the community, by developing a really high performing and useful product, which does not conflict with Islamic beliefs and establishes a real bond with its key stakeholders (i.e. the customers)..

Easy Payment Gateway

Easy Payment Gateway

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Easy Payment Gateway is quite possibly the worlds best online payment gateway.

PayDo

PayDo

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Merchant provider for online business. PayDo allows online merchants to accept payments in most countries of the world, to expand the business to new regions and efficient way to trade with new customers.

The advantages: ● Merchant account ● Global and Local Card Acquiring. ● 300+ payment methods in 170+ countries ● IBANs ● SEPA & SWIFT payments ● Regulated e-money institution ● Fast merchants onboarding & integration ● PCI-DSS Level 1.

Yordex

Yordex

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Our smart, modular approach delivers real-time visibility over all current and future company spending, helps you to stay flexible as you scale up and reduces the cost of spend management by up to 70%. An extensive suite of features available on a fully modular basis enables fast-growing businesses to manage all their needs starting with company cards and expense management with a zero monthly fee and free set-up.

Find out more on https://yordex.com.. .

MPT PAY

MPT PAY

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MPT PAY Ltd Digital Bank connect EU / Non EU business. A single financial ecosystem of banking services for companies, regardless of the country of registration of the business and location of owners.

Opening bank accounts for residents and non-residents of the Euro Union within a few minutes. A direct connection to SEPA, SWIFT, a built financial ecosystem for companies.

You may need additional information: our business plan, Q&A, vision for 5 years, P&L, Cap table etc., (pls use this link – https://www.linkedin.com/smart-links/AQEPiAFgY99t4g) Now our project is built on a “network effect” based on a unit economy with the main indicators Cost of Customer Acquisition + LTV (Life time value) + Payback Period. We managed to find our own “flywheel” of the business model and we continue to make fundamental changes in the financial world.

Develop marketing models to increase the number of business connections to +100 per month, develop a preliminary compliance procedure (to increase the speed of company verification and open a bank account), DEPP (Dynamic Escrow Payment Protocol), and technology of generating a QR code for payment without data entry credit card in online stores, payment for receipts and steaming («one scan payment» for EU/ non EU customers – Youtube, Twitch, Vimeo, gaming, streaming, and payment at a distance of 1 meter from the merchant, for street vendors without terminals – video – https://www.linkedin.com/smart-links/AQF4It2MRbWnYA, https://www.linkedin.com/smart-links/AQF4It2MRbWnYA). 5 steps to get the result – opening an EU bank account and connecting the necessary services: 1.

Registration https://mptpay.com/create-account. 2.

Questionnaire https://mptpay.com/questionnaire. 3.

golfscape

golfscape

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golfscape was founded in 2013 with a vision to revolutionize the golf industry with technology for the modern golfer. Today, golfscape is the industry leader providing its reservations and operations services in over 30 golf destinations across Europe, Africa, Near East, and Asia-Pacific.

golfscape’s OS platform delivers course operators next-generation tee sheets, member and visitor mobile apps, as well as revenue generating technologies and services. The golfscape team is dedicated to developing intelligent systems that empower the golf industry with tomorrow’s technology..

Telleroo

Telleroo

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Telleroo develops a software that allows user to make payments. Users use it in business to make bulk payments.

Telleroo allows users to import payment files from accounting or payroll software. It also provides an option to create automated payments.

Andrew Cookson, Fabian Flatz, Michael Riedler, and Miguel Castro founded it on June 1, 2016, with its headquarters in London in the United Kingdom.. .

InPlayer

InPlayer

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InPlayer is the next generation video and digital asset monetization platform. Founded in 2010 (as Invideous Limited), our mission is to make our clients more money from their library of online media assets, be they live, recurring or on-demand.

To date we have managed millions of dollars in transactions, making thousands of live events profitable. 24 hours a day, around the world, we process valued content for over 100,000 clients’ subscribers.

We may be an industry leader, but we have only achieved this through a policy of continuous investment in our technology and people. Committed to innovation, we are able to support payments on any platform, with any device, and in many currencies.

Our clients enjoy the flexibility of either using our self-serve solutions or challenging us with a bespoke request for special events.. .

TRASTRA

TRASTRA

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TRASTRA – is easy and fast banking for cashing out crypto. TRASTRA – is blockchain personal banking that combines the benefits of digital money and the features of traditional finances in one place.

TRASTRA customers are provided with services to fulfill all their crypto needs: Payment Card for cashing out cryptocurrencies; Instant crypto to fiat exchange; Multi-Sig Bitcoin, Ethereum, Bitcoin Cash, Litecoin, and Ripple wallets with 2FA to store, buy and sell crypto; Mobile app available in AppStore and GooglePlay. The company is also working on the IBAN feature.

TRASTRA is a London-based company founded in 2017. Roman Potemkin, FinTech entrepreneur with 12+ years of experience in finance and banking technologies is CEO of TRASTRA..

Red Flag

Red Flag

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Red Flag develops an automated accounting, expenses, and invoicing platform for SMEs.

Worldpay

Worldpay

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Worldpay is a global leader in payments processing technology and solutions for their merchant customers, simplifying payments by breaking through borders and obstacles to help businesses grow. They want to be the partner for connected commerce for businesses around the world.

Worldpay, Inc. (NYSE: WP; LSE: WPY) is a leading payments technology company with unique capability to power global integrated omni-commerce.

With industry-leading scale and an unmatched integrated technology platform, Worldpay offers clients a comprehensive suite of products and services globally, delivered through a single provider. Worldpay processes over 40 billion transactions annually through more than 300 payment types across 146 countries and 126 currencies.

The company’s growth strategy includes expanding into high-growth markets, verticals and customer segments, including global eCommerce, Integrated Payments and B2B. Worldpay, Inc.

was formed in 2018 through the combination of the No. 1 merchant acquirers in the U.S.

and the U.K. Worldpay, Inc.

Manigo

Manigo

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Manigo is a Banking as a Service company offering businesses of any size white label digital banking, payments and card solutions covering the whole value chain from back to front-end. Manigo’s mission is to enable every business to embed digital banking services into their user journeys without having to handle the regulatory burden themselves.

Enabling businesses to create B2C and B2B products with mix and match turnkey solutions or API integration, Mangio delivers, customises and operates the proposition. Select the features right for your solution, customise to suit your brand and launch a fully regulatory compliant solution in accelerated time, managed from back to front-end by Manigo so you can focus on what you do best.

Increasing brand loyalty, boosting revenue and joining the cashless revolution is simple with Manigo. You can find more information about Manigo here: www.manigo.com.

Pie People Ltd

Pie People Ltd

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Fintech SaaS

Uncapped

Uncapped

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Uncapped is a provider of revenue-based financing that enables founders to raise growth capital without interest or equity. It charges a flat fee of 6% on the capital provided and gets repaid through a revenue share.

Uncapped provides business advances of between £10k and £2m with 0% interest and no hidden charges, allowing founders to access fair and flexible finance. The company also uses marketing, sales, and accounting data to be able to offer finance for young businesses based on their current and projected revenue.

The company was founded in 2019 by entrepreneur Asher Ismail and venture capital investor Piotr Pisarz in London, England.. .

Gardenia Technologies

Gardenia Technologies

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Gardenia is a financial service company that provides proprietary analytics and systematic working capital finance solutions. It features data-driven real-time analytics to enable optimization opportunities and forecasting tools to help companies grow.

The company was founded in 2016 and headquartered in London.. .

GateHub

GateHub

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Platform for the Internet of Value.

TRANSPER

TRANSPER

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Transper is a fintech platform that provides liquidity and transparency in deep tier supply chain reducing costs and credit risk.

Ubio

Ubio

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Ubio enable direct bookings and other transactional processes for metasearch. Ubiodo this with their Automation Cloud technology which can interact securely with any supplier website.

They provide a simple API for booking any travel product on a supplier website. In the current metasearch model customers are passed off to the supplier to complete a booking.

This means customers often drop off – a particular problem on mobile. And as metasearch you can’t integrate an expensive distribution system as that would defeat your price advantage.

Their automation technology allows you to control the end-to-end customer experience. Your customers remain on your site or app for the full transaction.

You build an experience for booking as smart as you already do for search – even on mobile. This keeps customers on your site, increasing your brand equity, customer loyalty and significantly enhances the overall user experience.

And of course, that adds up to much better conversion. They know direct booking is the future of metasearch, and they can provide the means for you to achieve it today..

Paymob Smart Payments

Paymob Smart Payments

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Paymob is an innovative software development start-up company offering smart on-land payment solutions. The all-in-one Paymob solution empowers banks, fintechs and merchants with a bespoke payment infrastructure that includes a multi-banking payment gateway, stylish contactless payment terminals and certified ‘Tap-to-Phone’ mobile application that turns almost any modern smartphone into a contactless payment terminal.

The server-based infrastructure software EFTPOS (Electronic Funds Transfer at Point-of-Sale) has been designed to efficiently integrate with existing banking systems or can be used as an independent payment processing solution which streamlines several processing centres and allocates the transaction to the cheapest provider.. .

Divido

Divido

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Divido is a global white label consumer lending platform for financial institutions and multinational retailers. Rapidly build new revenue streams, improve the customer experience and increase conversion by offering finance at the point-of-purchase with Divido.

The platform is omnichannel, available online, in-store and via mobile, and works across multiple countries through one integration. Over 1000 partners work with Divido including Nordea Finance, BNP Paribas, BMW, Lenovo and last minute.

Divido offers financial services for merchants, lenders, and intermediaries that want to offer instant new credit as a payment option to their end-consumers and corporate clients. Backed by the investors behind Skype, WorldPay, and TransferWise the company launched late 2015 and currently has 300+ partners using its platform including some of the world’s well-known brands.

By the end of 2017. Divido will operate in 9 countries.

Divido was founded in 2014 and is based in London, England, United Kingdom. .

Locus

Locus

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They are tackling the major consumer frustrations with shopping online, specifically checkout and delivery. Their solution is a one-click checkout & 30 minute delivery (and returns) option offered by retailers to consumers.

It is a bit like click and collect, except they collect on your behalf and deliver it wherever you are, whenever you’re ready.. .

Banking Circle

Banking Circle

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A fully licensed bank, Banking Circle is a next-generation provider of mission-critical financial services infrastructure leading the rise of a super-correspondent banking network. Banks and Payments businesses can access a range of banking services – multi-currency bank accounts, local clearing, cross border payments and flexible business lending, compliantly and securely – without the need to build their own infrastructure and correspondent banking partner network.

Bespoke, flexible, scalable and futureproofed solutions enable financial services businesses to do what they’re really good at – serving the end client successfully and efficiently – thereby allowing them to seize market opportunities. Bypass old, bureaucratic and expensive systems and enable global banking services for your clients.

Financial infrastructure you can bank on.. .

Skrill

Skrill

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Skrill has been making digital payments simple, secure and quick since 2001. We’re an acknowledged world-leader in developing global payment solutions for people’s business and pleasure, whether they’re buying online or sending money to family and friends.

We also meet the needs of businesses worldwide, helping them build a global customer base and drive growth.. .

KiKapay

KiKapay

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Fair, Fast, Secure direct from bank payments that are convenient for merchants and their customers. Powered by Open Banking

Loyalzoo

Loyalzoo

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Digital loyalty system for independent retailers and eateries

Fingopay

Fingopay

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The Sthaler team initially developed FingoPay payments and the Fi-D identity and access system while working with major promoters of global music concerts and festivals. The challenge for promoters is to introduce a secure, convenient, cashless payment and access system that opened the loop and allowed cash from sources outside of the event i.e.

live card transactions. FingoPay and Fi-D have been designed to bring speed and accuracy and a sensible, secure, easy way to go shopping, for dinner or to a club.

Transactions take less than 5 seconds including loyalty Each transaction can involve the customers mobile or wearable device for additional security. All transactions are digitally receipted to customers FingoPay account and email.

Whether a customer is at an event, on the high street, on the beach, by the pool, at the bar all they need to carry is their fingers and every transaction is secured by their unique natural identity, that is impossible to replicate.. .

Finadvant

Finadvant

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Banking Ecosystem for SMEs trading internationally

Truzo

Truzo

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Truzo is a web and app-based escrow payment platform enabling buyers and sellers to transact anywhere, on any device in a safe and secure way.

KlickEx

KlickEx

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KlickEx is a regulated, online system that connects banks, local businesses and consumers to find the best possible exchange rate, every time. KlickEx uses the internet to find the very best exchange rates based on the urgency (priority) of the transaction and current market conditions.

Customers select rates based on these results, then KlickEx scans foreign banks and local businesses to locate funds at the selected rate. Once located, the exchange is instant – and the funds arrive in the other country immediately..

Moni Technologies

Moni Technologies

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Moni is a mobile money transfer platform that enables its users to transfer funds from their bank account directly into that of a recipient. The app lets a user choose who they want to send money to and then the amount they want to send.

The user then puts in their bank details which they can either do manually or by quickly scanning their debit card using their mobile phone’s camera. The user must then choose how to send the money to the recipient: either to their bank account or to a mobile phone.

If sent to the recipient’s bank account then the sender has to put in the recipient’s bank details. If the money is sent straight to the recipient’s phone, then the receiver can choose which bank account the money will go into and can put in the details him/herself.

The sender is notified by text when the recipient has accepted the transfer and can track the progress of the transfer via the app and by SMS notifications. Moni was created by Fernando Saturno and Laurence Aderemi in 2013..

You may write to us at: BestStartup.co.uk/Fupping Ltd, 349 Royal College Street, London, England, NW1 9QS.

London’s Best Banking Companies – To Work For and Buy From

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