# Payments Europe Market Map 2026: 43 Startups in 6 Segments > 43 European payments startups mapped in 6 segments: cross-border and FX, merchant payments and POS and buy now, pay later and more. Source: https://millionrounds.com/market-maps/payments-europe-market-map (Millionrounds; every figure on the page links to its filing or article) ## Cross-border and FX 11 - [Ebury](https://millionrounds.com/company/ebury) - [Zepz](https://millionrounds.com/company/zepz) - [Sokin](https://millionrounds.com/company/sokin) - [Paysend](https://millionrounds.com/company/paysend) - [*H* Hercle](https://millionrounds.com/company/hercle) - [Aspora](https://millionrounds.com/company/aspora) - [NomuPay](https://millionrounds.com/company/nomupay) - [Currency Cloud](https://millionrounds.com/company/currencycloud) - [OneFor](https://millionrounds.com/company/onefor) - [NUMARQE](https://millionrounds.com/company/numarqe) - [VirtuaBroker](https://millionrounds.com/company/virtuabroker) ## Merchant payments and POS 9 - [Checkout.com](https://millionrounds.com/company/checkout-com) - [Flatpay](https://millionrounds.com/company/flatpay) - [Mypinpad](https://millionrounds.com/company/mypinpad) - [ePassi](https://millionrounds.com/company/epassi) - [Paypercut](https://millionrounds.com/company/paypercut) - [STAMP](https://millionrounds.com/company/stamp) - [CreditDigital](https://millionrounds.com/company/creditdigital) - [Duesday](https://millionrounds.com/company/duesday) - [Magnetto](https://millionrounds.com/company/magnetto) ## Buy now, pay later 8 - [Billie](https://millionrounds.com/company/billie) - [Tymit](https://millionrounds.com/company/tymit) - [Zilch](https://millionrounds.com/company/zilch) - [ViaBill](https://millionrounds.com/company/viabill) - [Scalapay](https://millionrounds.com/company/scalapay) - [Fly Now Pay Later](https://millionrounds.com/company/fly-now-pay-later) - [Soisy](https://millionrounds.com/company/soisy) - [Billink](https://millionrounds.com/company/billink) ## Open banking and account-to-account 6 - [TrueLayer](https://millionrounds.com/company/truelayer) - [Token.io](https://millionrounds.com/company/token-io) - [Crezco](https://millionrounds.com/company/crezco) - [Banked](https://millionrounds.com/company/banked) - [Open Payments](https://millionrounds.com/company/open-payments) - [Neonomics](https://millionrounds.com/company/neonomics) ## Payments for businesses 5 - [TransferMate](https://millionrounds.com/company/transfermate) - [Apron](https://millionrounds.com/company/apron) - [Previse](https://millionrounds.com/company/previse) - [Billhop](https://millionrounds.com/company/billhop) - [Rubypayeur](https://millionrounds.com/company/rubypayeur) ## Crypto and stablecoin payments 4 - [Remittix](https://millionrounds.com/company/remittix) - [Wert](https://millionrounds.com/company/wert) - [Nodu](https://millionrounds.com/company/nodu) - [Crypto Mainframe](https://millionrounds.com/company/crypto-mainframe) ## Segment by segment ### Cross-border and FX 11 startups · $1.6B raised - [**Ebury**](https://millionrounds.com/company/ebury) Ebury is a global fintech providing international business accounts, multi-currency payments, FX hedging, trade finance, and busin United Kingdom $570M - [**Zepz**](https://millionrounds.com/company/zepz) Zepz is a global digital cross-border payments platform that enables international money transfers. United Kingdom $432M - [**Sokin**](https://millionrounds.com/company/sokin) Sokin is a global FinTech company based in London, UK, founded in 2019 by Vroon Modgill. United Kingdom $146M - [**Paysend**](https://millionrounds.com/company/paysend) Paysend is a financial technology company based in London, UK, founded in 2017. United Kingdom $134M - [*H* **Hercle**](https://millionrounds.com/company/hercle) Italy $110M - [**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 - [**NomuPay**](https://millionrounds.com/company/nomupay) Nomupay, officially known as Nomu Pay Limited, is a global fintech organization based in Dublin, Ireland. Ireland $77M - [**Currency Cloud**](https://millionrounds.com/company/currencycloud) Currencycloud specializes in a fully cloud-based platform for B2B cross-border payments. United Kingdom $60M ### Merchant payments and POS 9 startups · $1.7B raised - [**Checkout.com**](https://millionrounds.com/company/checkout-com) Checkout.com is a global provider of payment solutions that help businesses and communities thrive in the digital economy. United Kingdom $1.2B - [**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 - [**Mypinpad**](https://millionrounds.com/company/mypinpad) Mypinpad is a global leader in mobile card payments acceptance and identity authentication software solutions. United Kingdom $94M - [**ePassi**](https://millionrounds.com/company/epassi) ePassi is a fintech firm that offers payments, employee benefits, merchant solutions, PoS, and credit. Finland $45M - [**Paypercut**](https://millionrounds.com/company/paypercut) Paypercut is a fintech company based in Sofia, Bulgaria, specializing in online payments infrastructure for merchants throughout E United Kingdom $8.1M - [**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 - [**CreditDigital**](https://millionrounds.com/company/creditdigital) CreditDigital is a UK-based fintech and B2B finance platform that specializes in automated business loan decisioning and point-of- United Kingdom $2.6M - [**Duesday**](https://millionrounds.com/company/duesday) Duesday 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 - [**Billie**](https://millionrounds.com/company/billie) Billie is a Berlin-based fintech company founded in 2016, specializing in Buy Now, Pay Later (BNPL) payment methods for the B2B market. Germany $276M - [**Tymit**](https://millionrounds.com/company/tymit) Tymit is a UK-based financial technology company founded in 2017, specializing in flexible credit solutions and Buy Now, Pay Later United Kingdom $241M - [**Zilch**](https://millionrounds.com/company/zilch) Zilch is is a direct-to-consumer ad-subsidised payments network that provides a flexible buy now, pay later service. United Kingdom $175M - [**ViaBill**](https://millionrounds.com/company/viabill) ViaBill is a payment option that allows the users to pay the full amount or pay in installments. Denmark $122M - [**Scalapay**](https://millionrounds.com/company/scalapay) Scalapay is a European financial technology company founded in 2019 and headquartered in Milan, Italy. Italy $81M - [**Fly Now Pay Later**](https://millionrounds.com/company/fly-now-pay-later) Fly Now Pay Later is a finance company that provides fintech, payments, financial services, and travel loans. United Kingdom $12M - [**Soisy**](https://millionrounds.com/company/soisy) Soisy is an Italian Payment Institution offering installment payments at point-of-sale (POS), financed via marketplace lending. Italy $1.9M - [**Billink**](https://millionrounds.com/company/billink) Billink 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 - [**TrueLayer**](https://millionrounds.com/company/truelayer) TrueLayer is a leading open banking payments network based in London, founded in 2016. United Kingdom $376M - [**Token.io**](https://millionrounds.com/company/token-io) Token.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 - [**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 - [**Banked**](https://millionrounds.com/company/banked) Banked is a fintech company providing an account-to-account payments platform built on modern banking rails. United Kingdom $31M - [**Open Payments**](https://millionrounds.com/company/open-payments) Open Payments is a Swedish fintech startup founded in 2017, headquartered in Stockholm. Sweden $4.5M - [**Neonomics**](https://millionrounds.com/company/neonomics) Neonomics is an open banking and financial technology company based in Oslo, Norway. Norway $4.0M ### Payments for businesses 5 startups · $195M raised - [**TransferMate**](https://millionrounds.com/company/transfermate) TransferMate develops a B2B payment platform that automates the manual tasks involved in paying and getting paid. Ireland $130M - [**Apron**](https://millionrounds.com/company/apron) Apron is a London-based financial technology company founded in 2021 by Bogdan Uzbekov. United Kingdom $29M - [**Previse**](https://millionrounds.com/company/previse) Previse is a London-based financial services and technology company that focuses on improving payment processes for businesses. United Kingdom $23M - [**Billhop**](https://millionrounds.com/company/billhop) Billhop is a payment service that enables businesses across the EEA and United Kingdom to pay their supplier invoices with their credit card. Sweden $13M - [**Rubypayeur**](https://millionrounds.com/company/rubypayeur) Rubypayeur 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 - [**Remittix**](https://millionrounds.com/company/remittix) Remittix, cross-border payments reinvented. Slovakia $17M - [**Wert**](https://millionrounds.com/company/wert) Wert is a financial software company founded in 2020, based in Tallinn, Estonia. Estonia $5.0M - [**Nodu**](https://millionrounds.com/company/nodu) Nodu provides a platform of payment and compliance infrastructure focused on integrating stablecoin transactions. United Kingdom $1.5M - [**Crypto Mainframe**](https://millionrounds.com/company/crypto-mainframe) Compare 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. ## 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)[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)[New wave **New payments startups, founded 2020 on** 46 startups · 7 segments · $3.8B](https://millionrounds.com/market-maps/new-payments-startups-market-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 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)