121 Payments Startups to Watch in 2022

Payments's tech sector is booming. This year’s list of the best 121 Payments tech startups is an eclectic mix of hyper-growth scaleups, small creative startups and everything in between.

The last update was made on January 21, 2023.

Curated by @gonsanchezs

Payments 10+ employees Fast-growing

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Curve is an Over The Top banking platform that consolidates all bank cards into a single smart card and app.

London   101-250   $74,195,357  


Rapyd is a platform creating a cardless financial network.

London   101-250   $150,000,000  


TransferWise is a money transfer service allowing private individuals and businesses to send money abroad without hidden charges.

London   1001-5000   $772,682,792  


Wirecard is fastest-growing digital platforms in the area of financial commerce.

Munich   1001-5000   $1,010,132,753  


GoCardless is a payment company that makes collecting payments by direct debit easy for everyone.

London   101-250   $122,300,000  

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Ebury is a financial services company designed to empower small and medium-sized businesses that want to trade internationally.

London   501-1000   $570,403,724  


WorldRemit is a money transfer service that helps migrants send money to their loved ones all over the world.

London   501-1000   $407,655,000  


Darktrace is an artificial intelligence company for cyber security.

Cambridge   501-1000   $230,500,000  


Blockchain is a web-based bitcoin platform.

London   11-50   $70,000,000  


Currencycloud is a global payment platform that serves businesses by providing technologies that makes payments frictionless.

London   101-250   $80,179,091  


Soldo is a multi-user expense account helping companies manage their budgets.

London   51-100   $83,200,000  


Checkout helps companies accept more payments around the world through one integration.

London   501-1000   $230,000,000  


Luxoft is an IT company that works globally to give customers software development, product engineering, and consulting.

Zug   10001   $102,400,000  


Trussle is a free online mortgage broker that works with much needed transparency.

London   51-100   $25,849,125  


Bitstamp allows companies and individuals from all around the world to buy and sell bitcoin, litecoin, ethereum, ripple, and bitcoin cash.

London   101-250   $12,400,000  


Ledger develops security solutions for cryptocurrency and blockchain applications.

Paris   101-250   $87,959,855  


Verse is the checking account without a Bank, taking the friction out of spending and sharing money.

Barcelona   51-100   $17,136,804  


Neufund is building a blockchain-based and investor-directed platform which bridges the world of cryptocurrency and equity.

Berlin   1-10   $17,137,490  


Finiata provides working capital financing for freelancers and SME's over a fully automated data driven scoring technology.

Berlin   101-250   $30,929,505  


EclecticIQ is a global provider of Cyber Threat Intelligence technology solutions and Fusion Center operator.

Amsterdam   51-100   $23,850,413  


Invest in Bitcoin, gold and over 20 other digital assets on your phone or desktop. Fast, secure and 24/7.

Vienna   101-250   $48,850,226  


Kard is a mobile banking alternative for the new generation, offering a never-seen-before customer experience that is cool, social & free.

Paris   11-50   $3,608,437  


PayKey enables banks to offer their customers access to financial services, including P2P payments, from within any mobile application.

Tel Aviv   11-50   $26,400,000  


Providing merchant fraud detection and monitoring

Tel Aviv   11-50   $13,000,000  

TransferMate Global Payments

TransferMate is a global B2B payments technology that enables companies to send & receive payments cheaper, faster, easier than ever before.

Dublin   101-250   $59,687,711  


Authenteq is an automatic identity verification and privacy platform that issues a blockchain based, self owned & controlled digital ID.

Reykjavík   11-50   $7,398,101  


Kiwi.com is a flight booking engine that consists of an extensive database of flights from all over the world.

Brno   51-100   $1,036,210  


Libeo is on a mission to simplify processing and payment of account payables for SMEs.

Paris   11-50   $2,211,758  


The Anonymous Verification Network

Tel Aviv   11-50   $5,000,000  


buguroo is specialized in the development of software for online fraud prevention.

Madrid   51-100   $3,314,737  


DocDoc.ru provides service for searching doctors from Moscow region clinics.

Moscow   51-100   $5,000,000  

Sorted Group

Sorted Group is a global SaaS company that provides data-driven software for checkouts, warehouses, and shipping.

Manchester   11-50   $16,208,413  

Crypto Finance

Crypto Finance AG provides professional investors blockchain financial services in crypto asset management, brokerage and storage solutions.

Zug   11-50   $22,375,539  


FinLab is a Germany-based investment company engaged in the building of companies in the financial services technologies.

Frankfurt   11-50   $12,822,195  


KupiVIP is a Russian online fashion retailer selling discounted fashion and home goods from high-street and luxury brands.

Moscow   101-250   $119,600,000  


Traxpay is transforming the way businesses communicate, interact, and transact across the supply chain.

Frankfurt   11-50   $19,000,000  


Gjirafa is a video content and e-commerce platform for the Balkans built on top of an Albanian language specialized search engine.

Tirana   11-50   $8,700,000  


Cashless Payments platform.

Prague   1-10   $382,213  


CGTrader is the world's preferred source for quality 3D content, optimized for e-Commerce, Gaming, AR/VR, Entertainment and 3D Printing.

Vilnius   51-100   $2,612,321  


Billogram is a Sweden-based company that offers a simplified invoicing service for small and large corporations.

Stockholm   11-50   $11,201,421  

Lix Technologies

Lix is the new digital way of obtaining knowledge for your education.

Aarhus   11-50   $8,540,538  


Colendi is comprehensive decentralized credit scoring protocol and microcredit platform with blockchain and machine learning technologies

Zug   11-50   $2,500,000  


Safello operates a bitcoin exchange and related services in the European market.

Stockholm   11-50   $2,079,731  


ICONIUM is backing the best Blockchain-based token sales and invest in digital assets Worldwide.

Milan   1-10   $5,716,376  


PAYMILL is a payment solution platform that enables online businesses to accept payments on their websites within a very short time.

Munich   11-50   $18,000,000  


Payment plugin (PayPlug.in) is a cloud-based payment gateway that facilitates online payments for SMBs.

Prague   11-50   $25,000  


TerraPay is a global mobile-first payments service that allows anyone, anywhere, to send money to a mobile number instantly.

Amsterdam   11-50   $8,100,000  


ACINQ is one of the companies working on Bitcoin scalability.

Paris   1-10   $9,700,000  


Payr is the next generation mobile banking and product comparison app

Oslo   11-50   $4,193,457  


Trezeo provides financial stability for self-employed workers in the gig economy by turning unpredictable income into regular pay cheques.

Dublin   1-10   $854,028  


mCASH is a Norwegian startup company that offers an instant smart mobile payment system.

Oslo   11-50   $7,065,063  


Governance.com provides smart technology and support services to simplify the control of regulated companies.

Luxembourg   11-50   $2,543,099  


Trepup.com is a business networking service company based in Baar, Switzerland.

Zug   11-50   $8,218,000  


RAISON is a platform for operations with investments and personal finance.

Tallinn   11-50   $1,483,159  


3radical's mobile gamification platform enables Brands to achieve unprecedented levels of consumer engagement.

Bristol   11-50   $10,286,909  


Creating the cash for a digital tomorrow.

Copenhagen   11-50   $1,600,000  


A mobile payment, ticketing and marketing platform & app for events, festivals and venues

Amsterdam   1-10   $332,338  


SIBEX is a software development company

Zug   43840   $1,793,747  


Wello produces wave energy converters with minimal impact to the environment.

Espoo   43840   $8,909,565  


Bloomio is a seed stage crowdfunding capital based on blockchain technology.

Zug   11-50   $2,247,084  


Intechnica enables rapid business growth by delivering cost-effective digital innovation and transformation solutions.

Manchester   101-250   $12,212,278  


Kepler is a provider of space efficient, cost effective, affordable and flexible accommodation solutions.

Istanbul   1-10   $1,500,000  


A one-stop solution that includes a creation of multi-language whitepaper, pre-configured token sale dashboard.

Zug     $74,000,000  


Provides insurers with a customer insight and profiling platform enabling the sale of instant micropolicies through push notifications

Milan     $1,137,222  


Sugartrends is an online marketplace for stores of all types around the world.

Cologne   11-50   $2,421,553  


Stonestep is a next generation insurance platform offers integrated sales and customer experience tools.

Zug   43840   $4,000,000  


MotionsCloud is an AI claims automation engine for property and motor insurances.

Munich   1-10   $40,000  


Genkyotex develops innovative drugs to block the NOX enzymes that produce oxygen radicals.

Geneva   11-50   $81,766,762  


Unloc AI provides more freedom with open doors via sharing digital keys.

Oslo   11-50   $383,174  

Cambridge Glycoscience

Cambridge Glycoscience is a biotechnology platform that makes sugar substitutes that actually work in food.

Cambridge   1-10   $120,000  

Northern Bitcoin

Northern Bitcoin has made it its mission to challenge the status quo of bitcoin mining, and to redefine it.

Frankfurt   11-50   $9,103,322  


Hold is engaging a generation of digital natives to ‘make it happen’ by rewarding them for putting down their phones.

Oslo   1-10   $550,000  

B2BX exchange

B2BX – professional digital asset exchange. Full-featured spot trading platform for major digital assets and cryptocurrencies.

Moscow   51-100   $5,906,786  

The Abyss

The Abyss is a next-generation digital distribution platform.

Zug   51-100   $15,000,000  


OnCrawl is a powerful SEO crawler and log analyzer for enterprise SEO audits and daily monitoring.

Bordeaux   11-50   $4,092,193  

USDX Wallet

USDX Wallet is a blockchain-based payment system without Banks, Borders or Fees.

Frankfurt   11-50   $1,750,000  

Online Patent

Online Patent develops an IT-platform for intellectual property management, allowing to automate the typical patent attorney actions.

Moscow   11-50   $446,226  


MUUME is a platform for digitalServices for daily consumption.

Zug   101-250   $8,484,592  


Worldcore is a Czech-based regulated payment institution offering wide range of payment solutions for everyone

Prague   51-100   $5,000,000  


Siqens is a German start-up which provides self-sufficient energy systems.

Munich   11-50   $2,755,487  


First EU regulated Crypto-Fiat Exchange

Tallinn   11-50   $22,000,000  


Zitec is a software company specialized in online products and applications development.

Bucharest   101-250   $1,800,000  


Cindx is a fund management hub to prosper in crypto.

Tallinn   101-250   $3,868,840  


Cardiomatics™ is a cloud AI tool for ECG analysis. Simply give us a raw ECG signal and our algorithms will turn it into valuable analysis.

Krakow   11-50   $940,511  


Neat is an independent design and development company.

Rome   11-50   $50,000  


AI driven platform that help brands to distribute their editorials in the format of native advertising

Warsaw   11-50   $505,000  


SPACEPASS is a centralized booking platform, integration hub and SaaS solutions for the coworking and flex-office industry

Riga   11-50   $600,000  


Using data to help motorists connect with brands at the key moments that matter all the way through their ownership lifecycle

Manchester   11-50   $1,704,189  

Memento Payments

Memento Payments offer the next generation social payment platform for banks.

Reykjavík   1-10   $761,292  

Pony Zero

Pony Zero is one of the Italian leading companies in environmental friendly first and last mile logistics.

Turin   51-100   $720,680  


QikServe is the enterprise platform for guest self-service in hospitality.

Edinburgh   11-50   $8,545,591  


NKolayOfis is a new generation cloud based Bookkeeping and Financial Application platform with online bank account aggregation for SMEs.

Istanbul   1-10   $120,000  


Messenger is a mobile app which allows you to communicate with your friends and expand your social circle.


Dialog Semiconductor

Dialog Semiconductor makes energy-efficient, highly-integrated, and mixed signal ICs for mobile, IoT, and solid state lighting applications.

Reading   1001-5000    


Hong Kong-based financial platform fueling the future of blockchain innovation.

Tallinn   51-100   $14,804,852  


Emphy is decentralized blockchain lodging ecosystem.

Tallinn     $1,600,000  

The B2 Group

The B2 Group is an innovative software and services provider, specialising in the Payments, FX and funds markets across the globe.

Luxembourg   11-50   $1,666,366  


Seamless consumtion and payments for Car-Centric services.

Tallinn   11-50   $261,240  


ShufflUp is a hands-off crypto-currency algorithmic trading platform for less-skilled investors

Tallinn   1-10   $44,264  

Rebellious Software

Software development company focused on making games that make you think.

Sofia     $283,538  


Bitcoin payment gateway. Pay with Bitcoin to euro bank accounts.

Brno   43840   $245,678  


TransferFast moves money between banks quickly and safely.

Tallinn   1-10   $162,788  


Pay [in] is a simple and intuitive application that allows you to pay for public transport with your mobile or wearable.

Valencia     $157,070  


CryptoUnify is a single intelligent platform connected to all the best cryptocurrencies services

Valencia   1-10   $8,170  


ViralTrade develops a trading platform, focusing on transparent exchange market.

Reykjavík   1-10   $79,383  


The world's first geolocation cash treasure hunt adventure. Interact with the real world, compete vs. others and win 000s of cash prizes.

Valletta   1-10   $424,209  


Serrala is an international provider of solutions for inbound and outbound payments and related finance processes.



InnoPlanner is a 3D interior decorating software built for designers, architects, retailers and manufacturers.

Bucharest   1-10   $26,000  


Leading virtual data room provider in Europe, enables fast and effective due diligence and solutions for the entire lifecycle of assets.

Frankfurt   101-250    


Diramics as a spin-off from ETH Zurich to bring the ultra low noise pHEMT technology from research to the market.

Zug   43840   $81,868  

Marvao Medical

Marvao Medical Devices develops, manufactures, and markets medical devices that reduce the risk.

Galway     $1,767,973  

In Touch Networks

In Touch Networks is a award-winning technology business that is transforming the way businesses recruit and people develop.


Service at Home

Service at Home is an online marketplace for users to find and book home services based on type, location, and availability.

Zug   43840   $300,000  


BlockState is a Swiss security token platform for non-bankable assets such as SME equity and debt or real estate.

Zug   43840    


Paysera is a licensed electronic money institution providing online payment services globally.

Vilnius   101-250    


Recruitment software designed to support HR departments with a disruptive approach to digitalise and automate the first steps of recruitment

Luxembourg   11-50    


In any field there are many brands that are fighting for first place in the consumer's mind and soul.

Bucharest   1-10   $55,926  

HEE Photonics Labs

HEE Photonics Labs is a space research and development platform.

Riga     $55,958  

The Telepass Group

Telepass offers urban and extra-urban mobility services.

Rome   101-250    


Fin.do app allows instant money transfers in any currency, avoiding bank's high fees and exchange rates.

Vilnius   43840    


EKWB is a company dealing with products for liquid cooling for various applications.

Ljubljana   101-250    


We develop revolutionary digital solutions that leverage next-generation technology - AI, machine learning, blockchain, IoT, AR, VR.

Bucharest   101-250    


Blockchain-based solution for global banking

Zug   11-50    

Klockner Pentaplast Group

Klockner Pentaplast Group is among the world's largest suppliers of films for pharmaceutical, medical devices specialty applications.

Bern   251-500    


Designer and developer of decentralized hardware and software products

Luxembourg   11-50    


Colmore provides Industry-defining solutions for the fintech era, designed to give investors more control, clarity and confidence.

Birmingham   51-100    

Get the full list of 9,200+ Payments & European tech companies

Download a carefully-curated .csv of over 9,200+ fast-growing European tech companies you can research, apply to and do business with.

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  • Raise
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  • $169M
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