Alternatives to PayPal Credit
The top Fintech companies similar to PayPal Credit, 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.
Affirm64FintechSan Francisco, United States$1.9B
Klarna59FintechStockholm, Sweden$9.4B
Zilch50FintechLondon, United Kingdom$737.0M
Afterpay61FintechMelbourne, Australia$1.0B- FLFloa0FintechBordeaux, France
Oney0FintechCroix, France- FIFiserv Inc.77Banking TechnologyMilwaukee, United States$300.0M
Razorpay73FintechBengaluru, India
Mambu67FintechBerlin, Germany$443.8M
Block67FintechSan Francisco, USA$10.0M
StoneCo67FintechSão Paulo, Brazil$1.5B
M-KOPA62FintechLondon, United Kingdom$325.0M
Addi61FintechBogotá, Colombia
Younited61FintechParis, France$666.8M
PicPay59FintechSão Paulo, Brazil$564.0M
Cross River Bank58FintechFort Lee, United States
Stash55FintechNew York City, United States$460.5M
40Seas55FintechTel Aviv, Israel$117.0M
Wamo54FintechHelsinki, Finland$15.0M
Cloud Walk54FintechSão Paulo, Brazil$190.0M
Carmoola54FintechLondon, United Kingdom$528.2M
CredPal53FintechLagos, Nigeria$16.6M
Bounce30Fintech
Bank of America30FintechCharlotte, United States$4.5B
Findomestic20FintechFlorence, Italy
Mercado Pago17FintechBuenos Aires, Argentina
Finhazi16FintechNairobi, Kenya
Aemetis15Climate TechCupertino, United States
Precisa10FintechIndia- CCCC MoneybaseFintechMosta, Malta
Cebuana LhuillierFintechMakati, Philippines
Square (now Block)FintechSan Francisco, United States
eOriginal88Document Management & eSignatureTampa, United States
PayPal77FintechSan Jose, United States$9.9B
Chime77FintechSan Francisco, United States$12.7B
PayPal Payments76FintechSan Jose, United States$1.7B
Creditas76FintechSão Paulo, Brazil$40.0M
Nu (Nubank)75FintechSão Paulo, Brazil$4.3B- MAMaya74FintechTaguig, Philippines$732.0M
Plaid74FintechSan Francisco, United States$734.3M- FIFiserv73FintechBrookfield, United States$300.0M
Rapyd73PaymentsLondon, United Kingdom$1.3B
Unit70FintechNew York, United States$169.6M
Zip (Formerly Quadpay)70FintechSydney, Australia$1.3B
ASAAS70FintechSão Paulo, Brazil$102.0M
Fundbox70FintechDallas, United States$536.0M
NIUM70FintechSingapore, Singapore$331.0M
FIS70FintechJacksonville, United States$10.5B
Curve69FintechLondon, United Kingdom$279.0M
PhonePe69FintechBengaluru, India$350.0M
Sunbit68FintechSan Diego, United States$406.0M
Wise68FintechLondon, United Kingdom$1.0B
Modern Treasury67FintechSan Francisco, United States$145.1M
Marshmallow67InsurTechLondon, United Kingdom$194.7M
Paymentology67FintechLondon, United Kingdom$195.0M
Global Payments66FintechAtlanta, United States$607.0M
dLocal66FintechMontevideo, Malta$45.0M
Checkout.com65FintechLondon, United Kingdom$831.0M
PayZen64HealthcareSan Francisco, United States$472.0M
Square64FintechSan Francisco, United States$10.0M
| Company | Sector | HQ | Funding | Score |
|---|---|---|---|---|
| Affirm | Fintech | San Francisco, United States | $1.9B | 64 |
| Klarna | Fintech | Stockholm, Sweden | $9.4B | 59 |
| Zilch | Fintech | London, United Kingdom | $737.0M | 50 |
| Afterpay | Fintech | Melbourne, Australia | $1.0B | 61 |
| FLFloa | Fintech | Bordeaux, France | — | 0 |
| Oney | Fintech | Croix, France | — | 0 |
| FIFiserv Inc. | Banking Technology | Milwaukee, United States | $300.0M | 77 |
| Razorpay | Fintech | Bengaluru, India | — | 73 |
| Mambu | Fintech | Berlin, Germany | $443.8M | 67 |
| Block | Fintech | San Francisco, USA | $10.0M | 67 |
| StoneCo | Fintech | São Paulo, Brazil | $1.5B | 67 |
| M-KOPA | Fintech | London, United Kingdom | $325.0M | 62 |
| Addi | Fintech | Bogotá, Colombia | — | 61 |
| Younited | Fintech | Paris, France | $666.8M | 61 |
| PicPay | Fintech | São Paulo, Brazil | $564.0M | 59 |
| Cross River Bank | Fintech | Fort Lee, United States | — | 58 |
| Stash | Fintech | New York City, United States | $460.5M | 55 |
| 40Seas | Fintech | Tel Aviv, Israel | $117.0M | 55 |
| Wamo | Fintech | Helsinki, Finland | $15.0M | 54 |
| Cloud Walk | Fintech | São Paulo, Brazil | $190.0M | 54 |
| Carmoola | Fintech | London, United Kingdom | $528.2M | 54 |
| CredPal | Fintech | Lagos, Nigeria | $16.6M | 53 |
| Bounce | Fintech | — | — | 30 |
| Bank of America | Fintech | Charlotte, United States | $4.5B | 30 |
| Findomestic | Fintech | Florence, Italy | — | 20 |
| Mercado Pago | Fintech | Buenos Aires, Argentina | — | 17 |
| Finhazi | Fintech | Nairobi, Kenya | — | 16 |
| Aemetis | Climate Tech | Cupertino, United States | — | 15 |
| Precisa | Fintech | India | — | 10 |
| CCCC Moneybase | Fintech | Mosta, Malta | — | — |
| Cebuana Lhuillier | Fintech | Makati, Philippines | — | — |
| Square (now Block) | Fintech | San Francisco, United States | — | — |
| eOriginal | Document Management & eSignature | Tampa, United States | — | 88 |
| PayPal | Fintech | San Jose, United States | $9.9B | 77 |
| Chime | Fintech | San Francisco, United States | $12.7B | 77 |
| PayPal Payments | Fintech | San Jose, United States | $1.7B | 76 |
| Creditas | Fintech | São Paulo, Brazil | $40.0M | 76 |
| Nu (Nubank) | Fintech | São Paulo, Brazil | $4.3B | 75 |
| MAMaya | Fintech | Taguig, Philippines | $732.0M | 74 |
| Plaid | Fintech | San Francisco, United States | $734.3M | 74 |
| FIFiserv | Fintech | Brookfield, United States | $300.0M | 73 |
| Rapyd | Payments | London, United Kingdom | $1.3B | 73 |
| Unit | Fintech | New York, United States | $169.6M | 70 |
| Zip (Formerly Quadpay) | Fintech | Sydney, Australia | $1.3B | 70 |
| ASAAS | Fintech | São Paulo, Brazil | $102.0M | 70 |
| Fundbox | Fintech | Dallas, United States | $536.0M | 70 |
| NIUM | Fintech | Singapore, Singapore | $331.0M | 70 |
| FIS | Fintech | Jacksonville, United States | $10.5B | 70 |
| Curve | Fintech | London, United Kingdom | $279.0M | 69 |
| PhonePe | Fintech | Bengaluru, India | $350.0M | 69 |
| Sunbit | Fintech | San Diego, United States | $406.0M | 68 |
| Wise | Fintech | London, United Kingdom | $1.0B | 68 |
| Modern Treasury | Fintech | San Francisco, United States | $145.1M | 67 |
| Marshmallow | InsurTech | London, United Kingdom | $194.7M | 67 |
| Paymentology | Fintech | London, United Kingdom | $195.0M | 67 |
| Global Payments | Fintech | Atlanta, United States | $607.0M | 66 |
| dLocal | Fintech | Montevideo, Malta | $45.0M | 66 |
| Checkout.com | Fintech | London, United Kingdom | $831.0M | 65 |
| PayZen | Healthcare | San Francisco, United States | $472.0M | 64 |
| Square | Fintech | San Francisco, United States | $10.0M | 64 |