Alternatives to PayEm
The top Fintech companies similar to PayEm, 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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Ramp62FintechNew York City, United States$2.9BAI-powered financial operations platform for businesses, offering corporate cards, expense management, and bill payments.
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Brex67FintechSan Francisco, United States$1.9B - Website
SAP Concur13Expense ManagementBellevue, United StatesCloud-based platform for travel, expense, and invoice management.
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Divvy (acquired by Bill.com)55FintechSalt Lake City, United States$417.5MCorporate card and spend management platform for businesses, acquired by Bill.com.
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PEX52FintechNew York, USA$160.0MIntegrated payments, credit, and spend management platform for businesses.
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Mercury67FintechSan Francisco, United States$500.0MBusiness banking.
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Rho65FintechNew York, United States$344.9MFinancial operating system for startups and scale-ups with banking, cards, and treasury.
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Spendesk63FintechParis, France$71.0MAll-in-one spend management platform for growing businesses.
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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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Mesh Payments62FintechNew York, United States$123.0MModern corporate spend management platform for global enterprises, simplifying travel and expense.
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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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Payhawk61FintechLondon, United Kingdom$81.0MAll-in-one spend management platform for businesses, simplifying expenses, cards, and payments.
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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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Reap57FintechHong Kong, Hong Kong$45.0MA corporate payment solutions platform for businesses to manage and optimize their spending.
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CapitalOS54FintechSan Francisco, United States$9.0MEmbedded spend management infrastructure for B2B platforms to launch in days.
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Floodlight54FintechSan Francisco, United States$6.4MReinventing the finance experience for modern businesses, empowering founders to focus on growth.
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Corporate credit cards and banking services for businesses.
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Astrada49FintechSan Francisco, United States$15.8MThe data layer for autonomous finance, processing card spend and transactions for automated financial operations.
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Opal Payment44FintechNew York, United States$1.5MOpal automates media agency back-office operations, including contract, invoicing, and payment management.
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Skoor41Fintech$10.0MAI-powered corporate cards, expense management, bill payments, and accounting for small businesses.
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Salmon40FintechTel Aviv, Israel$188.0MSalmon is a fintech company providing a platform for managing and optimizing business finances.
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Casap39FintechMiami, United States$26.5MCasap is a platform that helps individuals and small businesses manage their finances and payments.
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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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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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PayPal Payments75FintechSan Jose, United States$1.7BGlobal digital payments platform facilitating transactions for consumers and merchants.
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Assetly34FintechNew York, United States$1.0MFintech platform for creators and small businesses to manage finances and payments.
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Proyix33Fintech$1.5MProyix is a platform that helps businesses manage and automate their financial operations, including invoicing, payments, and expense tracking.
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Finstep provides a platform for managing and optimizing business finances for freelancers and small businesses.
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Adyen72FintechAmsterdam, Netherlands$250.0MGlobal payment processing platform for enterprise businesses.
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Papaya Global71FintechTel Aviv, Israel$438.0MGlobal payroll and payments platform for enterprises, simplifying international workforce management.
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Airwallex56FintechLondon, United KingdomGlobal payments and financial platform for modern businesses to grow beyond borders.
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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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Plaid70FintechSan Francisco, United States$734.3MPlaid provides a data transfer network powering fintech and digital finance products.
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Fundbox70FintechDallas, United States$536.0MEmbedded working capital platform for small businesses, offering AI-powered credit lines and B2B payment solutions.
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CloudPay70FintechNew York, United States$178.0MGlobal payroll and payments platform for modern businesses.
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ASAAS70FintechSão Paulo, Brazil$102.0MASAAS automates financial processes and enhances customer relationships for businesses.
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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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Bank of America30FintechCharlotte, United States$4.5BA multinational investment bank and financial services holding company.
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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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Melio69FintechNew York, United States$654.0MB2B payments platform enabling small businesses to pay vendors via bank transfer or card, even when vendors only accept checks.
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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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Chargebee69FintechChennai, India$303.0MSubscription management and recurring billing platform for SaaS and e-commerce businesses.
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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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Unit69FintechNew York, United States$169.6MFinancial infrastructure platform for tech companies to store, move, and lend money.
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Stripes AI68FintechSouth San Francisco, United States$25.4MFinancial infrastructure platform enabling businesses to accept payments and manage global operations.
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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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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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Paymentology67FintechLondon, United Kingdom$195.0MA leading global issuer-processor enabling businesses to issue and manage payment cards.
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Mambu67FintechBerlin, Germany$443.8MThe composable, API-first cloud banking platform.
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Block66FintechSan Francisco, USA$10.0MFinancial services and digital payments company.
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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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Global Payments66FintechAtlanta, United States$607.0MA global fintech company providing payment technology and software solutions to merchants, issuers, and consumers.
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Pagaya Investments65FintechNew York, United States$1.4BAI-powered network enabling financial institutions to expand customer access and scale lending.
Compare PayEm head to head
Side by side on what each one does, what it costs, and what real users report.

