Market map · Europe

Payments market map: Europe

43 payments startups based in Europe that have raised money in rounds we track, placed in 6 segments by what each says it does. Together they have raised $5.0B; the biggest segment is cross-border and FX.

43startups on the map
6segments
$5.0Braised between them
Merchant payments and POSmost funded segment

Cross-border and FX

11

Merchant payments and POS

9

Buy now, pay later

8

Open banking and account-to-account

6

Payments for businesses

5

Crypto and stablecoin payments

4

Segment by segment

Cross-border and FX

11 startups · $1.6B raised

  1. EburyEbury is a global fintech providing international business accounts, multi-currency payments, FX hedging, trade finance, and businUnited Kingdom$570M
  2. ZepzZepz is a global digital cross-border payments platform that enables international money transfers.United Kingdom$432M
  3. SokinSokin is a global FinTech company based in London, UK, founded in 2019 by Vroon Modgill.United Kingdom$146M
  4. PaysendPaysend is a financial technology company based in London, UK, founded in 2017.United Kingdom$134M
  5. HHercleItaly$110M
  6. AsporaAspora is a cross-border finance and remittance company that helps non-resident Indians (NRIs) and global Indians manage their monUnited Kingdom$103M
  7. NomuPayNomupay, officially known as Nomu Pay Limited, is a global fintech organization based in Dublin, Ireland.Ireland$77M
  8. Currency CloudCurrencycloud specializes in a fully cloud-based platform for B2B cross-border payments.United Kingdom$60M

Merchant payments and POS

9 startups · $1.7B raised

  1. Checkout.comCheckout.com is a global provider of payment solutions that help businesses and communities thrive in the digital economy.United Kingdom$1.2B
  2. FlatpayFlatpay is a Danish fintech company founded in 2022, specializing in Point-of-Sale (POS) systems and payment processing solutions Denmark$336M
  3. MypinpadMypinpad is a global leader in mobile card payments acceptance and identity authentication software solutions.United Kingdom$94M
  4. ePassiePassi is a fintech firm that offers payments, employee benefits, merchant solutions, PoS, and credit.Finland$45M
  5. PaypercutPaypercut is a fintech company based in Sofia, Bulgaria, specializing in online payments infrastructure for merchants throughout EUnited Kingdom$8.1M
  6. STAMPSTAMP is a software startup based in Madrid that specializes in a B2B SaaS platform designed for merchants.Spain$5.2M
  7. CreditDigitalCreditDigital is a UK-based fintech and B2B finance platform that specializes in automated business loan decisioning and point-of-United Kingdom$2.6M
  8. DuesdayDuesday was a UK-based fintech company that focused on recurring payments, direct debits, and bill management.United Kingdom$564K

Buy now, pay later

8 startups · $910M raised

  1. BillieBillie is a Berlin-based fintech company founded in 2016, specializing in Buy Now, Pay Later (BNPL) payment methods for the B2B market.Germany$276M
  2. TymitTymit is a UK-based financial technology company founded in 2017, specializing in flexible credit solutions and Buy Now, Pay LaterUnited Kingdom$241M
  3. ZilchZilch is is a direct-to-consumer ad-subsidised payments network that provides a flexible buy now, pay later service.United Kingdom$175M
  4. ViaBillViaBill is a payment option that allows the users to pay the full amount or pay in installments.Denmark$122M
  5. ScalapayScalapay is a European financial technology company founded in 2019 and headquartered in Milan, Italy.Italy$81M
  6. Fly Now Pay LaterFly Now Pay Later is a finance company that provides fintech, payments, financial services, and travel loans.United Kingdom$12M
  7. SoisySoisy is an Italian Payment Institution offering installment payments at point-of-sale (POS), financed via marketplace lending.Italy$1.9M
  8. BillinkBillink is a prominent Dutch financial technology company that specializes in post-payment services and Buy Now, Pay Later (BNPL) Netherlands$1.1M

Open banking and account-to-account

6 startups · $488M raised

  1. TrueLayerTrueLayer is a leading open banking payments network based in London, founded in 2016.United Kingdom$376M
  2. Token.ioToken.io is a prominent provider of account-to-account (A2A) payment infrastructure in Europe and the UK, focusing on open banking solutions.United Kingdom$40M
  3. CrezcoCrezco is a London-based fintech company that specializes in embedded payments through an API, utilizing open banking technology.United Kingdom$32M
  4. BankedBanked is a fintech company providing an account-to-account payments platform built on modern banking rails.United Kingdom$31M
  5. Open PaymentsOpen Payments is a Swedish fintech startup founded in 2017, headquartered in Stockholm.Sweden$4.5M
  6. NeonomicsNeonomics is an open banking and financial technology company based in Oslo, Norway.Norway$4.0M

Payments for businesses

5 startups · $195M raised

  1. TransferMateTransferMate develops a B2B payment platform that automates the manual tasks involved in paying and getting paid.Ireland$130M
  2. ApronApron is a London-based financial technology company founded in 2021 by Bogdan Uzbekov.United Kingdom$29M
  3. PrevisePrevise is a London-based financial services and technology company that focuses on improving payment processes for businesses.United Kingdom$23M
  4. BillhopBillhop is a payment service that enables businesses across the EEA and United Kingdom to pay their supplier invoices with their credit card.Sweden$13M
  5. RubypayeurRubypayeur is a French online debt collection agency and fintech based in Paris, founded in 2019.France$435K

Crypto and stablecoin payments

4 startups · $24M raised

  1. RemittixRemittix, cross-border payments reinvented.Slovakia$17M
  2. WertWert is a financial software company founded in 2020, based in Tallinn, Estonia.Estonia$5.0M
  3. NoduNodu provides a platform of payment and compliance infrastructure focused on integrating stablecoin transactions.United Kingdom$1.5M
  4. Crypto MainframeCompare ten non gamstop casinos on bonuses, wagering terms, payments and games, with the licensing and account details UK readers United Kingdom$202K

How this map is made. Every startup here has raised money in rounds we track, and is based in Europe. 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.

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