Alternatives to Cacao
The top Fintech companies similar to Cacao, ranked by relevance (named competitors first, then how closely their sectors overlap) and our 0-100 AI-readiness score. Each links to a full profile with funding and team.
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Remitly66FintechSeattle, United StatesGlobal digital payments provider focused on remittances for immigrants and their families.
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Western UnionFintechDenver, United StatesGlobal financial services corporation providing money transfer and payment services worldwide.
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Wise70FintechLondon, United Kingdom$1.1BGlobal cross-border payments platform offering multi-currency accounts and business payment solutions.
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NIUM69FintechSingapore, Singapore$331.0MGlobal financial infrastructure platform enabling businesses to move money across borders.
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Payoneer69FintechNew York, United States$544.0MPayoneer is a global payment platform enabling businesses and freelancers to send, receive, and manage cross-border payments in multiple currencies.
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dLocal66FintechMontevideo, Malta$45.0MdLocal offers a robust payment processing solution designed for global enterprises to navigate cross-border transactions in emerging markets.
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TransferMate Global Payments63FintechKilkenny, Ireland$91.0MGlobal payment infrastructure enabling embedded payments for businesses and partners.
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Ant International is the global arm of Ant Group, focused on expanding its digital payment and financial technology services worldwide.
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Alipay+62FintechSingapore, Singapore$1.2BA unified digital payment gateway connecting consumers, merchants, and financial institutions globally, enabling seamless cross-border payments through QR code scanning and other digital solutions.
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PaySend61FintechValletta, Malta$20.0MA global fintech company providing an online platform for international money transfers and related financial services.
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PPRO54FintechLondon, United Kingdom$150.0MGlobal payment infrastructure provider enabling businesses to accept and make payments worldwide.
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Talino51FintechLos Angeles, USA$12.4MFintech foundry building and scaling financial technology companies.
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Global payments infrastructure for mobile money and bank accounts.
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NomuPay45FintechLondon, United Kingdom$77.0MNomuPay provides a unified payment infrastructure for businesses to manage global transactions.
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PayPal77FintechSan Jose, United States$9.9BA global leader in digital payments, enabling individuals and businesses to send, receive, and manage money online.
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Chime77FintechSan Francisco, United States$12.7BChime is a US neobank offering mobile-first banking services with no monthly fees, automated savings, and early paycheck access.
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Creditas76FintechSão Paulo, Brazil$40.0MOnline platform for asset-backed consumer loans, offering secured credit with lower interest rates.
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PayPal Payments75FintechSan Jose, United States$1.7BGlobal digital payments platform facilitating transactions for consumers and merchants.
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Tipalti75FintechSan Mateo, United States$903.0MTipalti is a global payables automation platform that streamlines mass payments, supplier onboarding, and financial compliance for mid-market companies.
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Adyen72FintechAmsterdam, Netherlands$250.0MGlobal payment processing platform for enterprise businesses.
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Next Insurance71FintechSan Francisco, United States$1.1BDigital insurance provider offering tailored policies for small businesses and the self-employed.
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Airwallex56FintechLondon, United KingdomGlobal payments and financial platform for modern businesses to grow beyond borders.
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Plaid70FintechSan Francisco, United States$734.3MPlaid provides a data transfer network powering fintech and digital finance products.
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BlueVine69FintechJersey City, United States$692.5MA financial technology company providing banking, lending, and payment solutions for small businesses.
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FIS69FintechJacksonville, United States$10.5BGlobal leader in financial technology providing solutions for payments, banking, and capital markets.
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Paymentology67FintechLondon, United Kingdom$195.0MA leading global issuer-processor enabling businesses to issue and manage payment cards.
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StoneCo67FintechSão Paulo, Brazil$1.5BBrazilian fintech providing integrated financial and software solutions for merchants of all sizes.
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Modern Treasury67FintechSan Francisco, United States$145.1MPayment operations software to automate money movement, tracking, and reconciliation for businesses.
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Mambu67FintechBerlin, Germany$443.8MThe composable, API-first cloud banking platform.
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Square67FintechSan Francisco, United States$10.0MAn all-in-one financial services platform providing point-of-sale systems, payment processing, and business management tools.
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Global Payments66FintechAtlanta, United States$607.0MA global fintech company providing payment technology and software solutions to merchants, issuers, and consumers.
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Block66FintechSan Francisco, USA$10.0MFinancial services and digital payments company.
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Augustus65FintechNew York, United States$210.0MAugustus is building the Global Dollar Bank, a modern clearing bank providing international financial institutions with direct, 24/7 access to US Dollar payment rails.
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Rewire63FintechTel Aviv, Israel$57.0MOnline cross-border financial services platform for international workers and migrants.
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M-KOPA63FintechLondon, United Kingdom$325.0MFintech platform providing affordable smartphones and digital financial services to 'Every Day Earners' in Sub-Saharan Africa.
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Trustly63FintechStockholm, Sweden$1.0BTrustly is a global leader in Pay by Bank solutions, enabling consumers and merchants to make and receive instant, secure payments directly from bank accounts.
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Branch International63FintechSan Francisco, United States$615.0MA digital banking app offering instant loans, savings, and payments for underserved populations.
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Juspay63FintechBengaluru, India$212.1MGlobal payments operating system for merchants, optimizing checkout and payment orchestration.
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Contabilizei63FintechSão Paulo, Brazil$81.0MOnline accounting platform simplifying tax and financial processes for Brazilian SMEs.
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Balance63FintechNew York, United States$86.5MFull-Stack AI Accounting for B2B payments and commerce.
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ThetaRay62FintechNew York, United States$147.5MAI-powered transaction monitoring for fintech and banks to enable trusted cross-border payments.
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Lili62FintechNew York, United States$80.0MAll-in-one business banking, accounting, and tax platform for small businesses.
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Shift4 Europe62FintechAllentown, United States$160.0MCommerce enablement technology powering billions of transactions for businesses globally.
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Curve62FintechLondon, United Kingdom$279.0MA financial super-app that consolidates all your cards and accounts for seamless spending and management.
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Affirm62FintechSan Francisco, United States$1.9BBuy Now, Pay Later (BNPL) service offering flexible payment options at checkout.
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Scalapay61FintechMilan, Italy$781.5MScalapay is a leading European buy-now-pay-later (BNPL) platform offering interest-free installment payments.
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Pine Labs61FintechGurugram, India$286.0MA global fintech platform providing merchant commerce solutions, including POS, payment gateways, and BNPL.
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Younited61FintechParis, France$666.8MEuropean fintech providing instant consumer credit and payment solutions.
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KreditBee60FintechBengaluru, India$71.5MIndian consumer lending startup
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Yoyo Wallet60FintechLondon, United Kingdom$31.0MBank card-linked loyalty platform for personalized rewards and seamless redemption.
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Agileforex provides a platform for businesses to manage international payments and foreign exchange.
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Raisin60FintechBerlin, Germany$1.0BEuropean savings and investment marketplace connecting customers with attractive deposit and investment products.
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Klarna60FintechStockholm, Sweden$9.4BKlarna is a global payments and shopping service that offers direct payments, pay after delivery options and instalment plans. It makes online shopping simple,
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Kraken Financial59FintechCheyenne, United States$600.0MA Wyoming-chartered special purpose depository institution (SPDI) that provides regulated digital asset banking services and direct access to the Federal Reserve's payment infrastructure.
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Satispay58FintechMilan, Italy$139.0MA mobile payment system for everyday purchases.
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Blue Dot58FintechTel Aviv, Israel$89.5MBlue Dot develops a technology-based financial platform for automating employee-driven transactions and tax compliance.
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Payflows58FintechParis, France$32.1MAI-powered finance operations platform that unifies procurement, treasury, AP/AR, and cashflow management for finance teams.
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Simplex57FintechTel Aviv, Israel$8.4MSimplex provides a secure, global onramp for individuals and businesses to instantly buy cryptocurrency with fiat.
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Neon Pagamentos S.A.57FintechSão Paulo, Brazil$297.0MA Brazilian digital bank and financial services platform offering accounts, credit cards, and loans.
Compare Cacao head to head
Side by side on what each one does, what it costs, and what real users report.

