# New Payments Startups Founded Since 2020: Market Map 2026 (46 Companies) > 46 payments startups founded in 2020 or later, mapped in 7 segments, best-funded first: $3.8B raised. Updated nightly. Source: https://millionrounds.com/market-maps/new-payments-startups-market-map (Millionrounds; every figure on the page links to its filing or article) ## Cross-border and FX 14 - [Aspora](https://millionrounds.com/company/aspora) - [OpenFX](https://millionrounds.com/company/openfx) - [NomuPay](https://millionrounds.com/company/nomupay) - [Tazapay](https://millionrounds.com/company/tazapay) - [Remitian](https://millionrounds.com/company/remitian) - [Xflow](https://millionrounds.com/company/xflow) - [IPID](https://millionrounds.com/company/ipid) - [OneFor](https://millionrounds.com/company/onefor) - [Skydo](https://millionrounds.com/company/skydo) - [EFEX](https://millionrounds.com/company/efex) - [Tumoni](https://millionrounds.com/company/tumoni) - [NUMARQE](https://millionrounds.com/company/numarqe) - [RemitAid](https://millionrounds.com/company/remitaid) - [VirtuaBroker](https://millionrounds.com/company/virtuabroker) ## Crypto and stablecoin payments 13 - [RedotPay](https://millionrounds.com/company/redotpay) - [Cybera](https://millionrounds.com/company/cybera) - [Bastion](https://millionrounds.com/company/bastion) - [Coinflow](https://millionrounds.com/company/coinflow) - [Avenia](https://millionrounds.com/company/avenia) - [Cybrid](https://millionrounds.com/company/cybrid) - [StraitsX](https://millionrounds.com/company/straitsx) - [Wert](https://millionrounds.com/company/wert) - [Coinbax](https://millionrounds.com/company/coinbax) - [Lumx](https://millionrounds.com/company/lumx) - [BlindPay](https://millionrounds.com/company/blindpay) - [Rampay](https://millionrounds.com/company/rampay) - [MoneyBadger](https://millionrounds.com/company/moneybadger) ## Merchant payments and POS 6 - [Flatpay](https://millionrounds.com/company/flatpay) - [Aplazo](https://millionrounds.com/company/aplazo) - [pmtbox](https://millionrounds.com/company/pmtbox) - [STAMP](https://millionrounds.com/company/stamp) - [*C* Cashgrow](https://millionrounds.com/company/cashgrow) - [Waivr](https://millionrounds.com/company/waivr) ## Buy now, pay later 4 - [*T* Tamara](https://millionrounds.com/company/tamara) - [Cashea](https://millionrounds.com/company/cashea) - [Pagaleve](https://millionrounds.com/company/pagaleve) - [Happy Pay](https://millionrounds.com/company/happy-pay) ## Payment orchestration 3 - [Divibank](https://millionrounds.com/company/divibank) - [Malga](https://millionrounds.com/company/malga) - [TurnStay](https://millionrounds.com/company/turnstay) ## Open banking and account-to-account 3 - [Crezco](https://millionrounds.com/company/crezco) - [Z m Rails](https://millionrounds.com/company/z-m-rails) - [Qippay](https://millionrounds.com/company/qippay) ## Payments for businesses 3 - [Apron](https://millionrounds.com/company/apron) - [Streamlined](https://millionrounds.com/company/streamlined) - [Kema](https://millionrounds.com/company/kema) ## Segment by segment ### Cross-border and FX 14 startups · $426M raised - [**Aspora**](https://millionrounds.com/company/aspora) Aspora is a cross-border finance and remittance company that helps non-resident Indians (NRIs) and global Indians manage their mon United Kingdom $103M - [**OpenFX**](https://millionrounds.com/company/openfx) OpenFX is a fintech startup based in New York, founded in January 2024 by Prabhakar Reddy, who previously co-founded FalconX. United States $94M - [**NomuPay**](https://millionrounds.com/company/nomupay) Nomupay, officially known as Nomu Pay Limited, is a global fintech organization based in Dublin, Ireland. Ireland $77M - [**Tazapay**](https://millionrounds.com/company/tazapay) Tazapay is a Singapore-based fintech company founded in 2020, specializing in cross-border payment solutions for businesses. Singapore $53M - [**Remitian**](https://millionrounds.com/company/remitian) Remitian is a Miami-based fintech company that offers an AI-powered SaaS platform designed to automate tax remittance, payments, a United States $27M - [**Xflow**](https://millionrounds.com/company/xflow) Xflow is a fintech company based in Bengaluru, India, founded in 2021 by former Stripe executives. India $17M - [**IPID**](https://millionrounds.com/company/ipid) iPiD (International Payments Identity) is a fintech startup based in Singapore, founded in 2021. Singapore $16M - [**OneFor**](https://millionrounds.com/company/onefor) OneFor is a pan-European fintech company based in Düsseldorf, Germany, founded in 2020. Germany $12M ### Crypto and stablecoin payments 13 startups · $339M raised - [**RedotPay**](https://millionrounds.com/company/redotpay) RedotPay is a Hong Kong-based fintech company founded in April 2023 by Michael Gao and Jonathan Chan. Hong Kong SAR China $194M - [**Cybera**](https://millionrounds.com/company/cybera) CYBERA is an AI-powered scam prevention and response company founded in 2020 and based in New York, NY. United States $39M - [**Bastion**](https://millionrounds.com/company/bastion) Bastion is a US-regulated financial institution that specializes in providing a regulated wallet API for businesses to launch comp United States $26M - [**Coinflow**](https://millionrounds.com/company/coinflow) Coinflow, based in Chicago, Illinois, is a payment service provider that enhances global financial infrastructure. United States $25M - [**Avenia**](https://millionrounds.com/company/avenia) Avenia is a financial technology company based in São Paulo, Brazil, specializing in borderless liquidity and cross-border payment Brazil $17M - [**Cybrid**](https://millionrounds.com/company/cybrid) Cybrid is a fintech infrastructure company founded in 2021, based in Toronto, Ontario, with an additional office in Newark, New Jersey. Canada $10M - [**StraitsX**](https://millionrounds.com/company/straitsx) StraitsX is a Singapore-based financial technology company specializing in digital payment infrastructure. Singapore $10M - [**Wert**](https://millionrounds.com/company/wert) Wert is a financial software company founded in 2020, based in Tallinn, Estonia. Estonia $5.0M ### Merchant payments and POS 6 startups · $396M raised - [**Flatpay**](https://millionrounds.com/company/flatpay) Flatpay is a Danish fintech company founded in 2022, specializing in Point-of-Sale (POS) systems and payment processing solutions Denmark $336M - [**Aplazo**](https://millionrounds.com/company/aplazo) Aplazo is a payment network that offers payment solutions and merchant tools to help merchants sell more and grow their brands. Mexico $36M - [**pmtbox**](https://millionrounds.com/company/pmtbox) pmtbox is a financial software and payments infrastructure company based in Orem, Utah. United States $15M - [**STAMP**](https://millionrounds.com/company/stamp) STAMP is a software startup based in Madrid that specializes in a B2B SaaS platform designed for merchants. Spain $5.2M - [*C* **Cashgrow**](https://millionrounds.com/company/cashgrow) Cashgrow is an all-in-one payment and expense management platform for businesses and SME merchants in Vietnam Vietnam $3.0M - [**Waivr**](https://millionrounds.com/company/waivr) Waivr is a financial technology company that specializes in real-time recurring payment processing for merchants. United States $1.4M ### Buy now, pay later 4 startups · $2.5B raised - [*T* **Tamara**](https://millionrounds.com/company/tamara) Tamara Restaurant in the 1st arrondissement of Paris, offerrs creative plates to share, inspired by the culinary tradition of Roma Saudi Arabia $2.4B - [**Cashea**](https://millionrounds.com/company/cashea) Cashea is a Venezuelan buy-now-pay-later platform that offers an interest-free installment plan for purchasing products. Venezuela $100M - [**Pagaleve**](https://millionrounds.com/company/pagaleve) Pagaleve is a pioneering Brazilian fintech that specializes in the Buy Now Pay Later (BNPL) model, offering a unique service calle Brazil $29M - [**Happy Pay**](https://millionrounds.com/company/happy-pay) Happy Pay is a fintech company based in Cape Town, South Africa, founded in 2021. South Africa $6.8M ### Payment orchestration 3 startups · $16M raised - [**Divibank**](https://millionrounds.com/company/divibank) Divibank is a Brazilian fintech established in 2020, specializing in revenue-sharing financing for digital marketing campaigns and Brazil $8.2M - [**Malga**](https://millionrounds.com/company/malga) Malga is a prominent fintech company based in São Paulo, Brazil, specializing in payment orchestration. Brazil $5.5M - [**TurnStay**](https://millionrounds.com/company/turnstay) TurnStay is a fintech company founded in 2021 and based in Cape Town, South Africa. South Africa $2.0M ### Open banking and account-to-account 3 startups · $43M raised - [**Crezco**](https://millionrounds.com/company/crezco) Crezco is a London-based fintech company that specializes in embedded payments through an API, utilizing open banking technology. United Kingdom $32M - [**Z m Rails**](https://millionrounds.com/company/z-m-rails) Zūm Rails is a financial technology company based in Montreal, Canada, founded in 2019. Canada $7.8M - [**Qippay**](https://millionrounds.com/company/qippay) Qippay is a fintech company based in New Zealand that specializes in open banking payments and infrastructure. New Zealand $2.8M ### Payments for businesses 3 startups · $34M raised - [**Apron**](https://millionrounds.com/company/apron) Apron is a London-based financial technology company founded in 2021 by Bogdan Uzbekov. United Kingdom $29M - [**Streamlined**](https://millionrounds.com/company/streamlined) Streamlined is an AI-powered order-to-cash and B2B payments company based in San Diego, California. United States $3.0M - [**Kema**](https://millionrounds.com/company/kema) Kema is a Dubai-based B2B accounts receivable and liquidity platform designed to help businesses get paid faster. United Arab Emirates $2.0M **How this map is made.** Every startup here has raised money in rounds we track, and was founded in 2020 or later. It joins the map when its sectors, read from its rounds, or the opening of its own description say it works in payments, and goes to the first segment whose words it carries. Each segment shows its best-funded first. Rebuilt nightly; updated 15 November 2026. ## More market maps [All maps](https://millionrounds.com/market-maps) [Market map **Payments market map** 168 startups · 7 segments · $17B](https://millionrounds.com/market-maps/payments-market-map)[Investors map **Who invests in payments** 112 investors · 4 segments](https://millionrounds.com/market-maps/payments-investors-map)[Raised in 2026 **Payments startups that raised in 2026** 41 startups · 5 segments · $2.4B](https://millionrounds.com/market-maps/payments-raised-2026-market-map)[Market map · United States **Payments market map: United States** 49 startups · 5 segments · $4.6B](https://millionrounds.com/market-maps/payments-united-states-market-map)[Market map · Europe **Payments market map: Europe** 43 startups · 6 segments · $5.0B](https://millionrounds.com/market-maps/payments-europe-market-map)[Market map · United Kingdom **Payments market map: United Kingdom** 21 startups · 4 segments · $3.7B](https://millionrounds.com/market-maps/payments-united-kingdom-market-map) ## Who backs payments? Open any company for its rounds and investors, or search the investors behind these startups in the app, with filters, lists and exports. [Find their investors](https://millionrounds.com/login?join=1&next=/app/investors)[Top lists](https://millionrounds.com/top-lists)