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101 Best and Most Innovative San Francisco Based Payment & Fintech Firms and Startups

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This article showcases our top picks for the best San Francisco based Payment & Fintech companies. These startups and companies are taking a variety of approaches to innovating the Payment & Fintech industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top San Francisco Payment & Fintech Startups

Data sourced from Crunchbase and SemRush.

Square

Square

Crunchbase Website Twitter Facebook Linkedin

Square is a merchant services aggregator and mobile payment company that aims to simplify commerce through technology.

Ripple

Ripple

Crunchbase Website Twitter Facebook Linkedin

Ripple provides one frictionless experience to send money globally using the power of blockchain.

Ripple

Flutterwave

Crunchbase Website Twitter Facebook Linkedin

Flutterwave is a fintech company that provides a payment infrastructure for global merchants and payment service providers.

Ripple

Remote

Crunchbase Website Twitter Facebook Linkedin

Remote offers international payroll, benefits, and compliance services for employees and contractors.

Ripple

Finix Payments

Crunchbase Website Twitter Facebook Linkedin

Finix Payments is a fintech company that develops a payment processing platform for businesses.

Ripple

Affirm

Crunchbase Website Twitter Facebook Linkedin

Affirm is a financial technology services company that offers installment loans to consumers at the point of sale.

Ripple

Visa

Crunchbase Website Twitter Facebook Linkedin

Visa is a multinational financial services company that facilitates electronic payment systems throughout the world.

Ripple

Eco

Crunchbase Website Twitter Facebook Linkedin

Eco isn’t a bank. It’s something better — a digital wallet that rewards you every time you save, spend or send money.

Ripple

Chargebee

Crunchbase Website Twitter Facebook Linkedin

Chargebee provides subscription and recurring billing systems for SaaS and e-commerce businesses.

Ripple

Deel

Crunchbase Website Twitter Facebook Linkedin

Deel is a payroll and compliance platform for international employees and contractors.

Ripple

SpotOn

Crunchbase Website Twitter Facebook Linkedin

Integrated software and payment solutions for restaurants and small businesses to compete and win.

Ripple

Fundbox

Crunchbase Website Twitter Facebook Linkedin

Fundbox is an AI-powered financial platform for small businesses.

Ripple

Veem

Crunchbase Website Twitter Facebook Linkedin

Veem is a payment service provider that helps simplify the way businesses send and receive funds.

Ripple

Plastiq

Crunchbase Website Twitter Facebook Linkedin

Plastiq offers a bill pay service for businesses to better manage their cash flow.

Ripple

Wyre

Crunchbase Website Twitter Facebook Linkedin

Wyre develops a wide variety of payment APIs that offer a fast and cost-effective way of transferring money.

Ripple

Stellar Development Foundation

Crunchbase Website Twitter Facebook Linkedin

A non-profit organization that supports the development and growth of Stellar, a blockchain network that connects financial infrastructure.

Ripple

Digit

Crunchbase Website Twitter Facebook Linkedin

Digit is a finance app that analyzes your spending habits and automatically saves the perfect amount every day.

Ripple

Very Good Security

Crunchbase Website Twitter Facebook Linkedin

Very Good Security is a fintech & data security enablement platform helping to maximize the value of data without compliance & breach risk.

Ripple

Celo

Crunchbase Website Twitter Facebook Linkedin

Celo is an open platform that makes financial tools accessible to anyone with a mobile phone.

Ripple

Long-Term Stock Exchange

Crunchbase Website Twitter Facebook Linkedin

The Long-Term Stock Exchange designs an SEC-regulated national securities exchange that aligns great companies and long-term investors.

Ripple

Fivestars

Crunchbase Website Twitter Facebook Linkedin

Fivestars helps businesses and communities thrive by turning every transaction into a relationship.

Ripple

MobileCoin

Crunchbase Website Twitter Facebook Linkedin

MobileCoin is a cryptocurrency platform that develops P2P payment tokens and digital payment systems for mobile.

Ripple

Synapse

Crunchbase Website Twitter Facebook Linkedin

Synapse is a banking platform that enables companies to provide financial products to their customers.

Ripple

Ripio

Crunchbase Website Twitter Facebook Linkedin

Ripio is a bitcoin and digital payments company.

Ripple

Returnly

Crunchbase Website Twitter Facebook Linkedin

Returnly is the provider of digital return experiences for direct-to-consumer brands.

Ripple

Token Transit

Crunchbase Website Twitter Facebook Linkedin

Token Transit is a provider of a mobile ticket booking application intended to help riders pay for transit via a mobile application.

Ripple

Womply

Crunchbase Website Twitter Facebook Linkedin

A local commerce platform that provides apps, APIs, marketing, and financial tools for over 500,000 American businesses.

Ripple

Resolve

Crunchbase Website Twitter Facebook Linkedin

Resolve is a B2B payments platform that offers buy now, pay later billing for business purchases.

Ripple

Treasury Prime

Crunchbase Website Twitter Facebook Linkedin

Treasury Prime is a Banking-as-a-Service company that connects banks and FinTechs through an API.

Ripple

Oyster

Crunchbase Website Twitter Facebook Linkedin

Oyster is a provider of digital financial services intended for freelancers, startups, and SME’s.

Ripple

Incode Technologies

Crunchbase Website Twitter Facebook Linkedin

Powering the future of omnichannel biometric identity

Ripple

Migo

Crunchbase Website Twitter Facebook Linkedin

Migo is a cloud-based platform that allows customers to use loans, make purchases, and withdraw cash without the need for plastic cards.

Ripple

OODA Health

Crunchbase Website Twitter Facebook Linkedin

OODA Health is a healthcare technology company that offers a software billing platform for providers, payers, patients, and insurers.

Ripple

Deep Labs

Crunchbase Website Twitter Facebook Linkedin

Deep Labs is an AI startup that creates patented persona-based, context-aware decisions, and risk systems.

Ripple

Candex

Crunchbase Website Twitter Facebook Linkedin

Candex is a fintech vendor that engages track and pays for any good or service.

Ripple

Qwil

Crunchbase Website Twitter Facebook Linkedin

Qwil provides individual contractors, freelancers, and small businesses with financial tools and solutions.

Ripple

Rightfoot

Crunchbase Website Twitter Facebook Linkedin

Rightfoot enables developers to quickly and easily add debt repayment to any application.

Ripple

Dapi

Crunchbase Website Twitter Facebook Linkedin

Dapi is a platform that enables any application to accept payments instantly at near to 0 fees directly from bank accounts.

Ripple

Hint Health

Crunchbase Website Twitter Facebook Linkedin

Hint Health fixes healthcare system by fundamentally restructuring the way that care is delivered.

Ripple

TryNow

Crunchbase Website Twitter Facebook Linkedin

TryNow is an e-commerce platform designed to offer a try before you buy experience for shoppers.

Ripple

Bolt

Crunchbase Website Twitter Facebook Linkedin

Bolt is developing a checkout experience platform that helps retailers convert and retain more of their shoppers.

Ripple

Roger.ai

Crunchbase Website Twitter Facebook Linkedin

Roger.ai is a bill pay and accounts payable automation for SMBs and accountants.

Ripple

Xoom

Crunchbase Website Twitter Facebook Linkedin

Xoom is a digital money transfer company that allows users to securely transfer money online.

Ripple

PayZen

Crunchbase Website Twitter Facebook Linkedin

PayZen is a health care fintech startup that aims to tackle the growing patient payment responsibility problem.

Ripple

HamsaPay

Crunchbase Website Twitter Facebook Linkedin

HamsaPay provides solutions for the B2B e-commerce payments market.

Ripple

Acquire App

Crunchbase Website Twitter Facebook Linkedin

Sell a curated selection of products through stunning checkout pages with embedded checkout.

Ripple

PocketSuite

Crunchbase Website Twitter Facebook Linkedin

PocketSuite is a single app providing client scheduling, payment + messaging tools to service professionals.

Ripple

Loved

Crunchbase Website Twitter Facebook Linkedin

Loved is the platform that empowers kids to save, invest and learn guided by family & friends

Ripple

Stronghold

Crunchbase Website Twitter Facebook Linkedin

Stronghold creates virtual payment networks that give developers access legacy and next-generation payment networks through a simple API.

Ripple

Cents

Crunchbase Website Twitter Facebook Linkedin

Powering your local laundromat and dry cleaner.

Ripple

Butter

Crunchbase Website Twitter Facebook Linkedin

You are likely losing 4% of your total customers to accidental churn, let us recover them

Ripple

lastbit

Crunchbase Website Twitter Facebook Linkedin

A global payment network for near instant, low fee transactions

Ripple

Enter

Crunchbase Website Twitter Facebook Linkedin

Enter gets doctors paid MORE than anyone from insurance and patients.

Ripple

Bonsai

Crunchbase Website Twitter Facebook Linkedin

Bonsai is an online freelancing platform that helps companies and independent talent work better together.

Ripple

Sourcery Technologies

Crunchbase Website Twitter Facebook Linkedin

Digital payments for the $220B wholesale food industry

Ripple

RocketFuel

Crunchbase Website Twitter Facebook Linkedin

RocketFuel is a global provider of 1-click payment option using Bitcoin & other cryptocurrencies with no card & bank fees & chargeback costs

Ripple

ManageCasa

Crunchbase Website Twitter Facebook Linkedin

The leading intuitive, interactive and automated software for property managers, associations and landlords.

Ripple

Chipper Cash

Crunchbase Website Twitter Facebook Linkedin

Chipper Cash is a fintech platform that offers mobile, cross-border money transfer services.

Ripple

Ribbon

Crunchbase Website Twitter Facebook Linkedin

Ribbon is a one-page checkout solution enabling merchants accept payments online and make an intuitive checkout experience for customers.

Ripple

PayGarden

Crunchbase Website Twitter Facebook Linkedin

PayGarden enables customers to pay anonymously using major brand gift cards.

Ripple

Pay By Group

Crunchbase Website Twitter Facebook Linkedin

Pay By Group is an checkout option on travel and retail e-commerce sites that lets friends and families split the cost and pay together.

Ripple

Cryptiswap

Crunchbase Website Twitter Facebook Linkedin

CryptiSwap© is a Non-Custodial CryptoCurrency exchange/swap service | no registration | no holds | no third party

Ripple

Payable

Crunchbase Website Twitter Facebook Linkedin

Payable is the best way to pay your contractors and stay compliant.

Ripple

WeTravel

Crunchbase Website Twitter Facebook Linkedin

WeTravel is an online payment platform that offers organizers with pre-departure tools to collect funds and organize logistics.

Ripple

OrderAhead

Crunchbase Website Twitter Facebook Linkedin

OrderAhead powers mobile ordering for pickup at thousands of restaurants and local merchants

Ripple

Modern Treasury

Crunchbase Website Twitter Facebook Linkedin

Modern Treasury offers a payment operations platform used to simplify and modernize business payments.

Ripple

Stream Token

Crunchbase Website Twitter Facebook Linkedin

Stream is a blockchain-based token that allows livestreamers to accept payments with low transaction fees and no platform lock-in.

Ripple

Fit Pay

Crunchbase Website Twitter Facebook Linkedin

FitPay’s platform provides a phone-less and app-less experience.

Ripple

Karmic Labs

Crunchbase Website Twitter Facebook Linkedin

Karmic Labs is a B2B payments infrastructure company.

Ripple

Rally

Crunchbase Website Twitter Facebook Linkedin

RallyPay and Rally.org leverage innovative data and payment tools to connect donors to causes and organizations with their clients

Ripple

CardSpring

Crunchbase Website Twitter Facebook Linkedin

Cardspring offers an application platform enabling app developers to write applications for credit cards and other types of payments.

Ripple

Cuanto

Crunchbase Website Twitter Facebook Linkedin

Cuanto allows Latin American creators monetize their audience and sell over social media.

Ripple

DigitalPay

Crunchbase Website Twitter Facebook Linkedin

DigitalPay is a digital payments provider focused on radically improving the speed, security, and convenience of payments.

Ripple

Settle

Crunchbase Website Twitter Facebook Linkedin

Settle is a fintech platform that automates B2B payments and provides working-capital solutions for businesses.

Ripple

Bitnet Technologies

Crunchbase Website Twitter Facebook Linkedin

Bitnet Technologies is a digital commerce platform that helps enterprise scale merchants to accept bitcoin payments.

Ripple

New Incentives

Crunchbase Website Twitter Facebook Linkedin

New Incentives is a non-profit that changes the lives of the world’s poorest mothers and newborns.

Ripple

skuIQ

Crunchbase Website Twitter Facebook Linkedin

skuIQ helps retailers with one or more locations keep their inventory, orders and more, synced.

Ripple

Puma Browser

Crunchbase Website Twitter Facebook Linkedin

Puma is a mobile browser and wallet for the Web3 ecosystem. Private by design.

Ripple

Payment.Ninja

Crunchbase Website Twitter Facebook Linkedin

Payment.Ninja is an online payment gateway that accepts Visa and MasterCard.

Ripple

CommitChange

Crunchbase Website Twitter Facebook Linkedin

CommitChange allows nonprofits and donors to work together on a single platform to raise money more efficiently.

Ripple

Buy Me a Coffee

Crunchbase Website Twitter Facebook Linkedin

Buy Me a Coffee makes it easy for creators to accept donations and membership from their fans.

Ripple

Salt Technology

Crunchbase Website Twitter Facebook Linkedin

A comprehensive payments platform with focused on the fastest & easiest consumer checkout experience on mobile

Ripple

Hyperwallet

Crunchbase Website Twitter Facebook Linkedin

Hyperwallet provides growing organizations with a frictionless, transparent, and reliable way to send payments almost anywhere in the world.

Ripple

AtoB

Crunchbase Website Twitter Facebook Linkedin

AtoB is a technology company building payments infrastructure for the transportation industry.

Ripple

Presidio Health

Crunchbase Website Twitter Facebook Linkedin

Presidio Health delivers a highly automated medical coding process that doubles the typical coder productivity.

Ripple

Metal Pay

Crunchbase Website Twitter Facebook Linkedin

Metal Pay develops a blockchain based payments and rewards wallet for digital assets.

Ripple

Piggybackr

Crunchbase Website Twitter Facebook Linkedin

Piggybackr is passionate about empowering people of all ages and experience levels to achieve their goals.

Ripple

ArrowPass

Crunchbase Website Twitter Facebook Linkedin

ArrowPass is an NFC-based secure gate control and cashless closed-loop payment solution for events.

Ripple

StudentCoin

Crunchbase Website Twitter Facebook Linkedin

StudentCoin is a universal cryptocurrency for students where the users owns 100% of the company.

Ripple

BlueTape

Crunchbase Website Twitter Facebook Linkedin

BlueTape is a payment and financing platform for the construction industry.

Ripple

Hellobit

Crunchbase Website Twitter Facebook Linkedin

Hellobit is a platform that makes it easier and cheaper to send cash through a network of trusted exchangers worldwide.

Ripple

Thor Technologies

Crunchbase Website Twitter Facebook Linkedin

Thor is fixing the way independent contractors are paid and managed with its revolutionary SaaS platform and Mobile App, Odin™.

Ripple

MoneyHash

Crunchbase Website Twitter Facebook Linkedin

MoneyHash provides access to payment and fintech services across the Middle East & Africa with one simple integration.

Ripple

CoinBeyond

Crunchbase Website Twitter Facebook Linkedin

Modern Payment Processing, Simplified.

Ripple

Paymentwall

Crunchbase Website Twitter Facebook Linkedin

Paymentwall is a global payments platform which provides 150 local payment methods, incl. credit cards and e-wallets, in 200+ countries.

Ripple

Surematics

Crunchbase Website Twitter Facebook Linkedin

Surematics is helping commercial insurance brokers structure complicated deals online.

Ripple

Tremendous

Crunchbase Website Twitter Facebook Linkedin

Tremendous is to help businesses incentivize anyone in the world, easily and instantly.

Ripple

Paidpiper

Crunchbase Website Twitter Facebook Linkedin

Pay with your phone. Mobile commerce for everyone.

Ripple

Unwind

Crunchbase Website Twitter Facebook Linkedin

Unwind is a booking and payment processing iPhone app connecting clients with massage therapists to fill appointment vacancies.

Ripple

SmartPay Leasing

Crunchbase Website Twitter Facebook Linkedin

SmartPay is a lease-to-own payment plan that let’s customers shop for devices, accessories and more.

Ripple

Wholesail

Crunchbase Website Twitter Facebook Linkedin

Wholesail modernizes the invoicing and payment process for food distributors and their buyers.

Written by Tenner Smith

Tenner Smith - I have experience in financial intelligence and automated intelligence. In industry I have worked on artificial intelligence and machine learning. Tenner Smith is a reporter at DF media.

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