Payments AI Startup Jobs

Cloud-native investment management platform transforming how investment firms operate.

API-first stock/ETF/crypto brokerage infrastructure for developers.

Hospitality technology platform providing AI-powered hotel management and guest experience solutions.

Co-branded credit card platform enabling brands to launch customized rewards programs.

Parking management platform that helps property owners monetize and operate parking assets with software + on-the-ground operations.

Embedded product protection platform enabling merchants to offer extended warranties.

Payroll, benefits, and compliance platform for 1099 contractors and the companies that hire them.

Mercury is a fintech company providing a full-stack banking platform built specifically for startups and scaling businesses. With products spanning checking, savings, treasury management, corporate cards, and venture debt, Mercury serves over 200,000 startups.

Subscription commerce platform powering recurring revenue for e-commerce brands.

Augment Market operates a FINRA-registered marketplace for buying and selling shares in private companies, enabling pre-IPO stock transactions starting at 0,000. The platform connects investors and shareholders for seamless private stock transactions in the secondary market.

Developer of EigenLayer restaking and the EigenCloud/EigenDA stack, enabling Ethereum stakers and operators to secure new decentralized services (AVSs).

Modern payment infrastructure for trucking and logistics, known as the 'Stripe for transportation'.

Health insurance data platform modernizing benefits data exchange between HR tech and carriers.

Decentralized exchange (DEX) and DeFi platform built on TON blockchain with automated market maker functionality.

Consumer investing platform that lets users automatically mirror public trades and strategies from high-profile investors and politicians.

Codex is building a stablecoin-native blockchain designed specifically for cross-border payments and FX, providing on-ramps, off-ramps, and fiat-to-fiat transfers with built-in compliance and identity systems. The platform operates on an Ethereum Layer 2 using Optimism's tech stack, targeting payment service providers and enterprises in emerging markets.

1Money is building the world's first Layer 1 blockchain protocol designed exclusively for stablecoin payments. Founded by former Binance.US CEO Brian Shroder, the network targets enterprise-grade payment use cases with the fastest and most compliant infrastructure.

Stablecoin-powered invoice and bill payment platform that helps businesses send invoices, collect payments, and move funds across bank accounts, wallets, and local rails.

AI expense & finance assistant for SMBs-categorizes spend, flags anomalies, and drafts bookkeeping entries.

Adsum builds tax infrastructure software for UK businesses, including InstantVAT and OpenTax to automate VAT and PAYE workflows.

A web-based platform that provides mobile game developers with integrated commerce, live operations automation, and payment solutions.

Agree provides an integrated contract-to-payment workflow that combines e-signatures, invoicing, and payment collection for business teams.

Airalo offers a global eSIM-based connectivity platform for travelers, providing affordable international mobile data packages:contentReference[oaicite:0]{index=0}.

Alinea is a consumer investing platform combining AI-guided portfolio recommendations with mobile-first wealth management for younger investors.

Estate settlement and wealth transfer platform that helps families and advisors manage probate, assets, and beneficiary workflows.

Ambrook is the financial layer powering American industry with accounting and capital infrastructure tailored for farmers ranchers and real economy businesses managing $1.6B+ through the platform.

Amenitiz offers an all-in-one hotel management platform for independent hoteliers, including booking, payments, and operations tools.

Anchorage Digital is an institutional crypto platform offering custody, trading, staking, and regulated banking services for digital assets.

Global sales tax and VAT compliance platform powering over 3,000 companies across 100+ countries with AI-native automated exposure monitoring, real-time calculations, and filing.

AppBrilliance offers a patented Money API that enables real-time, non-custodial payments through FedNow® and RTP®.

Arc is the cash management and capital markets platform for technology companies. Arc helps businesses manage cash, unlock competitive yield, raise debt capital, and access AI-powered financial services through their intelligent CFO agent Archie, all in one unified platform.

A health insurance platform aiming to provide simplified, horizontally integrated health coverage for consumers.

Array is an embedded fintech products platform that helps digital brands, financial institutions, and fintechs bring consumer financial products to market quickly. The platform provides tools for credit monitoring, identity verification, and financial wellness features.

Digital family office democratizing wealth management by making sophisticated financial strategies accessible to accredited investors starting at $10,000, offering private market access and tax-efficient investments.

Building a privacy-preserving Ethereum Layer 2 with programmable privacy and client-side proofs.

Baseline offers software for private real-estate lenders to manage origination, underwriting, servicing, and borrower payment workflows.

Basic Capital offers an innovative 401(k) platform that provides $4 of financing for every dollar in retirement contributions, helping workers leverage appreciating assets and achieve their retirement goals while offering employers affordable record keeping at just $5 per employee per month.

Life insurance technology platform helping carriers digitize products and distribution.

A loyalty program and credit card that allows renters to earn points on rent payments without transaction fees, usable for travel and other rewards.

Blockchain-based loyalty and payments platform for restaurants, letting diners earn $FLY cryptocurrency rewards at participating restaurants. Built on Coinbase's Base layer-2 protocol.

A web3 gaming infrastructure platform providing wallet-as-a-service and payment rails for games.

Super app platform enabling companies to embed lightweight mini-apps into existing mobile applications for payments, remittances, eSIM, lending, and marketplace features.

Modern property management platform streamlining operations for landlords and property managers with automated rent collection, maintenance tracking, and tenant communication.

CapitalOS provides embedded spend management infrastructure for vertical SaaS platforms, enabling business credit and spend controls via API integrations for platform customers.

Embedded credit card platform enabling businesses to launch and manage integrated credit card experiences. Partners include Coinbase, Bilt, Qatar Airways, and Alibaba.

Catena Labs builds AI-native financial infrastructure spanning agent identity, stablecoins, and banking rails so AI agents can participate in the economy safely.

An AI-driven financial oversight platform that helps finance teams catch costly errors in payroll, revenue, and expenses through intelligent audit agents.

Clair embeds earned wage access and on-demand pay into payroll and workforce systems, using bank-backed infrastructure to deliver compliant short-term liquidity to workers.

Modern financial services platform providing fleet fuel cards, expense management, and payment solutions for businesses that operate vehicle fleets across HVAC, plumbing, and construction.

Collective is the first online concierge financial platform designed to give self-employed entrepreneurs the technology and team they need to manage company formation, tax, accounting, and bookkeeping, so they can focus on their passion instead of paperwork.

Column is a nationally chartered bank building developer-first banking infrastructure. It offers APIs and software for payments, ledgers, compliance, and bank programs so fintech companies can build on regulated banking rails.

Contra runs a commission-free professional network and hiring marketplace where independents showcase work, find projects, and get paid without platform take rates.

Modern donor-advised fund platform that makes charitable giving easy and tax-efficient, helping members set money aside, watch it grow tax-free, and donate to nearly any U.S. non-profit.

Crypto-integrated business banking platform that uses stablecoin rails alongside traditional payment networks.

Deel is an all-in-one HR and payroll platform that helps businesses hire, manage, and pay global teams across 150+ countries. The platform combines payroll processing, compliance, benefits administration, and workforce management with AI-driven automation.

Paris-based B2B lending platform providing API-first working capital financing to SMEs across Europe with loan decisions in 27 seconds, serving 17,000+ businesses across five countries.

Divine Research builds an undercollateralized lending system using stablecoins on World Chain. Since launching in December 2024, it has issued over 1 million loans to 900,000+ unique borrowers without requiring collateral or credit history.

Business-in-a-box-formation, banking, and compliance for founders globally.

Eco builds stablecoin infrastructure for developers and businesses, enabling programmable money movement and one-click onchain payment flows.

Ekho is an end-to-end vehicle commerce platform that unlocks online sales and automates in-store workflows, consolidating websites, F&I, DMV work, taxes, and compliance to power compliant, digital sales of titled vehicles with a seamless, Tesla-like experience.

All-in-one GTM analytics solution syncing Salesforce, HubSpot, Stripe and SQL for real-time insights on pipeline and ARR

Fintech platform helping renters build credit through rental payment reporting to credit bureaus, reaching 228 million monthly active users through Zillow, valued at $1.2 billion

Builds encryption infrastructure for developers, including tokenization and PCI compliance tools for payments and sensitive data.

Finmid provides modular, API-driven embedded lending infrastructure for B2B platforms. The company enables platforms like Wolt, Glovo, and Bolt to offer financing solutions directly to their SMB customers across 30 European markets.

Finom is a European digital banking platform offering financial services and payments solutions tailored to small and medium-sized businesses:contentReference[oaicite:11]{index=11}.

Open-source financial infrastructure platform that provides programmable ledgers, payment connectivity, orchestration tools, and reconciliation services for building modern financial applications, trusted by companies like Booksy, Doctolib, Liberis, and Shares.

All-in-one business banking, bookkeeping, and tax platform for freelancers and self-employed workers, combining a checking account, automated tax estimation, invoicing, and expense tracking.

Social platform for fractional ownership of real estate, enabling investment clubs to pool capital and make collective decisions with automated LLC compliance, bookkeeping, and tax filings.

GraphQL-based ledger API giving fintech companies institutional-grade double-entry accounting infrastructure for real-time balance tracking, funds flow composition, and fault-tolerant money movement.

Griffin is an API-first UK bank providing a full-stack banking-as-a-service platform for companies that need regulated accounts and payments.

Helcim provides payment processing software and merchant services for small and midsize businesses, combining payments acceptance, invoicing, subscriptions, and commerce tools in one platform.

Banking and cash management for e-commerce brands with real-time insights.

Instant pay platform that provides employees real-time access to earned wages after every shift, improving employee retention and engagement while reducing payroll administration costs.

Internet Backyard is building the financial backbone for the global compute economy, helping operators finance and scale infrastructure.

Italic is a consumer commerce platform that sells unlabeled luxury goods directly from the same manufacturers behind premium brands.

Jeeves is a global financial infrastructure platform providing corporate cards, expense management, cross-border payments, and bill pay for businesses operating across 25+ countries. Founded in 2019 and valued at $2.1B, Jeeves enables companies to spin up their finance function within minutes.

Kaizen builds software for public agencies to deliver resident services such as licensing, payments, and reservations.

CFTC-regulated prediction market exchange where users trade on real-world event outcomes across economics, politics, weather, and other markets.

Keep is an all-in-one finance and spend platform for Canadian businesses, combining corporate cards, bill pay, expense management, and accounting workflows in a single system.

Automated bookkeeping and accounting platform for freelancers and self-employed entrepreneurs, streamlining expense tracking, tax prep, and financial management.

Open-source metering and usage-based billing platform that enables SaaS companies to build flexible pricing models with consumption tracking, subscription management, and payment orchestration.

Legend is a DeFi superapp that bundles self-custody wallets, earning, trading, and borrowing digital assets into a curated mobile experience for mainstream users.

Global payments infrastructure company building on Bitcoin and the Lightning Network, enabling instant low-cost money movement worldwide through APIs and SDKs for fiat, stablecoin, and bitcoin transfers.

Lithic is a modern card issuing platform for developers, enabling businesses to create, manage, and process virtual and physical payment cards via flexible APIs.

M0 builds programmable stablecoin infrastructure for financial institutions, providing minting, settlement, treasury, and compliance primitives for digital dollar products.

Marco is a cross-border trade finance platform for Latin American exporters, combining underwriting software with working-capital products.

Business banking and financial management platform specializing in checking accounts, corporate cards, and financing solutions

Mesh builds crypto payments infrastructure that lets merchants and fintech platforms accept digital assets while settling instantly in stablecoins.

Method provides API infrastructure for consumer liability account connectivity, real-time debt data, and embedded repayment experiences across lending and fintech products.

API-driven deposit network and cash management for banks and credit unions.

AI-native operating system for investment management, providing automated trading, data and analytics, risk management, and portfolio optimization for fixed income. APIs power firms representing 100B+ in assets.

Monk is an AI-native accounts receivable automation platform that turns contracts into cash using AI, real-time tracking, and smart workflows to handle invoice and collection exceptions.

MoonPay is a cryptocurrency payment infrastructure platform that enables users and businesses to buy, sell, and swap crypto assets through credit cards, bank transfers, and other methods.

Digital banking platform for banks and credit unions, spanning account opening and online/mobile banking.

Natural builds agentic payments infrastructure that lets AI agents, businesses, and consumers move money reliably. Its platform packages wallets, pay-ins, collections, credit, billing, transfers, compliance, and observability for real-world agent transactions.

Neon is a modern direct-to-consumer payment platform built specifically for mobile games, helping game publishers build branded digital stores and bypass costly app store fees while providing players with personalized experiences and publishers with higher profit margins.

Real-time patient booking and experience platform serving as an open data layer on top of EHRs, connecting patients, doctors, and healthcare developers with online booking, messaging, and payments.

A Layer 1 blockchain designed from the ground up for the AI era, building a planetary-scale verifiable supercomputer that concentrates the world's compute into a single blockchain.

Nilus is an AI-powered treasury and cash management platform that automates reconciliation, reporting, and payment workflows for mid-sized to enterprise businesses.

nsave offers cross-border banking and payments products for people in high-inflation and underserved markets, including USD accounts and cards.

Numeral automates sales-tax compliance, registrations, filings, and exemption certificate workflows for e-commerce and SaaS businesses.

Nuvo builds a trade credit platform that helps B2B sellers onboard buyers, verify businesses, and make faster credit decisions.

Software to run parking at buildings—assign, rent, and share spots; manage payments, enforcement, and analytics.

Passionfroot is a Berlin-based platform that helps creators and media companies monetize their brand through sponsorship management and brand partnerships. It serves modern GTM teams to plan, run, pay, and measure creator-led growth end to end.

Payman AI is an agentic AI platform for banking institutions that enables autonomous execution of financial transactions through conversational interfaces. The platform deploys AI agents that process payments, transfers, and account analysis via voice or text on existing banking rails, with built-in policy enforcement, compliance logging, and audit trails.

Phantom is a leading multi-chain, self-custodial crypto wallet supporting Solana, Ethereum, Bitcoin, Base, and Polygon with over 15 million monthly active users. The platform offers token swaps, staking, NFT management, and cross-chain capabilities.

Payroll connectivity APIs for direct deposit switching, income and employment verification, and earned wage access.

Plata is a Mexican digital banking platform offering AI-powered financial services and a credit card product, aiming to simplify and personalize the financial experience:contentReference[oaicite:22]{index=22}.

Polar is an open-source billing and monetization infrastructure platform for developers and AI-native SaaS companies. It enables modern billing including subscriptions, usage-based, and events-to-billing in minutes with a few lines of code.

Cloud-native mortgage capital markets platform that connects lenders to investors and automates hedging, trading, and analytics workflows.

Primer builds payment orchestration infrastructure for online merchants, giving teams a no-code workflow layer to connect processors, optimize routing, and manage the full payment stack through one integration.

GovTech platform that streamlines government payments and benefits, making it simple for residents to receive benefits, engage with assistance programs, and set up flexible payment plans.

Cap table and equity management software for founders and finance teams.

Rain builds stablecoin-powered card issuing and payments infrastructure, helping fintechs and global businesses launch card programs and settle transactions with stablecoins.

Rainforest provides embedded payments infrastructure for vertical SaaS platforms, including merchant onboarding, payment operations, and payfac-as-a-service capabilities.

Redo is a post-purchase platform for e-commerce brands offering returns, exchanges, and purchase protection.

Global employer of record platform that enables companies to hire, manage, and pay employees and contractors in over 180 countries without establishing local entities.

Roam is a proptech platform helping buyers assume low-rate existing mortgages so home ownership can be significantly more affordable than new-market financing.

French wealth management fintech providing private banking services with human expertise and digital innovation, combining technology with experienced private bankers across France.

Round Treasury is an AI-powered treasury management platform that unifies banking, payments, FX, and reconciliation for startups and growing companies. The London-based fintech automates treasury operations through AI agents, giving companies access to 30+ banking and treasury partners through a single account. Founded by Pac O'Shea and Hayyaan Ahmad, Round helps founders minimize risk and maximize returns on excess cash.

Rove is building the first universal airline mile, a loyalty program that lets users earn and redeem miles across dozens of international airlines and hotel chains worldwide. Through a Chrome shopping extension and hotel booking platform, Rove enables travelers to earn transferable miles without needing credit cards. The Y Combinator-backed startup partners with airlines including Air France-KLM, Qatar Airways, and Finnair.

Unified API platform that connects business data across commerce, accounting, and payments platforms, enabling B2B SaaS companies to integrate financial data seamlessly.

Safara builds a hotel discovery and booking platform that curates standout properties and gives travelers rewards, trip management, and mobile-first booking tools.

Sesame is a healthcare marketplace that connects patients directly with doctors, specialists, and labs at transparent, upfront prices — often at half the typical cost. The platform eliminates the need for insurance by enabling same-day appointments with board-certified providers.

Sling Money is a stablecoin-based global payment app that uses modern real-time payment systems, the Solana blockchain, and reserve-backed stablecoins to enable nearly instant and extremely low-cost transfers across 75+ countries, with all transfers currently fee-free.

AI-led B2B payments platform offering order-to-cash workflow automation including checkout, risk assessment, payment reconciliation, and cash management, deployed on platforms like Walmart, Alibaba, IKEA, and Samsung.

AI-powered sales tax, VAT and GST compliance platform automating complex tax calculations and filings for global businesses

Stable Sea provides global stablecoin-to-fiat offramp infrastructure for businesses, enabling programmatic conversion of stablecoins to local currencies across 40+ countries through a unified API.

Stan is an all-in-one commerce platform for creators to sell digital products, courses, coaching sessions, memberships, and bookings from a single link-in-bio storefront, combining checkout, audience monetization, and creator tooling in one product.

Stash builds a direct-to-player commerce platform for game studios to own checkout, improve acquisition efficiency, and grow lifetime value outside app-store fees.

Stride provides portable health, savings, and tax benefits software for independent workers, hourly workers, and small businesses, helping platforms and employers extend benefits without traditional employment models.

AI platform that automates accounts receivable work for companies with autonomous AR automation technology

Community-driven fitness platform that allows users to discover and host in-person fitness classes, events and experiences. Transforms gyms and studios into social hubs with over 1 million monthly users across 24 US cities.

Sydecar provides fund and SPV back-office infrastructure so managers can launch, operate, and administer private investment vehicles.

Tabs is a revenue automation platform for modern B2B companies, covering billing, accounts receivable, payments, and revenue operations workflows in one system.

Layer-1 blockchain purpose-built for stablecoins and real-world payments, born from Stripe's experience in global payments and Paradigm's expertise in crypto technology.

All-in-one back office for travel advisors and agencies with CRM, itinerary builder, payments, reconciliation, and AI Assist.

Nmbr is Canada's first dedicated embedded payroll software provider, enabling SaaS platforms and financial institutions to launch their own payroll products in days. The API-first platform handles the full complexity of Canadian payroll compliance and remittance.

Theo builds a full-stack platform that connects onchain capital to global financial markets and makes real-world assets tradable across crypto-native workflows.

Tola is an all-in-one cash flow management platform for SMBs, combining accounts payable, accounts receivable, and working capital with flexible pay-later options. Founded by ex-Pleo alumni, acquired by Square in August 2025.

Tollbit provides a content monetization platform that enables websites to protect and monetize their content by allowing AI bots and data scrapers to pay for licensed access, creating a sustainable content ecosystem.

B2B payments and cash collection platform that helps businesses automate invoice collection, reduce overdue payments, and provide seamless online payment options to their customers.

Venn is a Canadian business banking platform offering multi-currency accounts, corporate cards, global transfers, and accounting automation for Canadian businesses.

Vesta provides mortgage infrastructure software for lenders, covering origination, processing, and servicing on a cloud platform.

Wayflyer is a revenue-based financing platform for e-commerce merchants, providing flexible capital to help online businesses grow:contentReference[oaicite:30]{index=30}.

Whop is a social commerce and software marketplace that helps creators and internet businesses sell digital products, memberships, and community access with integrated payments and growth tools.

Freelance management platform connecting high-skill freelancers with employers, providing tools for workforce orchestration, contractor compliance, and talent acquisition at scale.

Yendo builds a vehicle-secured credit card that leverages car equity and AI underwriting to expand access to credit.

YieldClub is a consumer crypto savings app that automates stablecoin yield strategies so users can earn real-time interest with no lockups and without needing deep crypto expertise.

Yonder offers a rewards credit card and app focused on dining, travel, and lifestyle benefits for modern consumers.

Zeal is a modern payroll infrastructure platform that enables staffing companies and platforms to onboard, pay, and bill workers through its API-first approach. The platform automates payroll compliance, tax calculations, and worker onboarding.