Alternatives to StoneCo
The top Fintech companies similar to StoneCo, 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.
StoneCo compared with the top alternatives
Side by side on what each one does, what it costs, and what real users report.
| Product | Key features | Pricing | User reviews | Visit |
|---|---|---|---|---|
| Not listed | 25% positive (4) | Try StoneCo | ||
| See plans | 17% positive (6) | Try BlueVine | ||
| Not listed | 17% positive (6) | Try Splitit |
Review sentiment is aggregated from real discussions across relevant subreddits. Pricing reflects each vendor's public plans and can change, so check the provider for the current price.
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Mercado Pago17FintechBuenos Aires, ArgentinaMercado Pago operates a leading internet payment platform in Latin America.
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Cielo20FintechBarueri, BrazilA leading payment solutions provider in Brazil.
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PagSeguro39São Paulo, BrazilA leading provider of digital payment solutions and merchant services in Brazil.
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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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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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Branch International63FintechSan Francisco, United States$615.0MA digital banking app offering instant loans, savings, and payments for underserved populations.
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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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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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Neon Pagamentos S.A.57FintechSão Paulo, Brazil$297.0MA Brazilian digital bank and financial services platform offering accounts, credit cards, and loans.
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Wamo54FintechHelsinki, Finland$15.0MA financial operating platform for SMEs with integrated lending and AI-driven tools.
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Futora53FintechTel Aviv, Israel$6.0MDigital platform enabling financial institutions to offer tailored, on-the-fly financial products.
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Splitit51FintechNew York, United States$297.6MSplitit offers a merchant-branded Installments-as-a-Service platform for Buy Now, Pay Later solutions.
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Stash49FintechNew York City, United States$460.5MA fintech company offering a subscription-based platform for micro-investing, financial advice, and wealth-building tools.
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Snappibank44FintechIoannina, Greece$1.0MA fully licensed digital neobank in Greece offering personal and business banking services.
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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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RecargaPay59FintechSão Paulo, BrazilA leading Brazilian fintech offering a digital wallet, prepaid cards, and payment solutions for consumers and businesses.
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Nu (Nubank)71FintechSão Paulo, Brazil$4.3BLargest independent digital bank in Latin America, offering credit cards, accounts, loans, and insurance via a mobile app.
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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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Fundbox70FintechDallas, United States$536.0MEmbedded working capital platform for small businesses, offering AI-powered credit lines and B2B 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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Mercury67FintechSan Francisco, United States$500.0MBusiness banking.
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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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Cross River Bank52FintechFort Lee, United StatesA technology-driven bank providing embedded finance solutions and banking services to fintechs.
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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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Contabilizei63FintechSão Paulo, Brazil$81.0MOnline accounting platform simplifying tax and financial processes for Brazilian SMEs.
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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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Curve62FintechLondon, United Kingdom$279.0MA financial super-app that consolidates all your cards and accounts for seamless spending and management.
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Upgrade62FintechSan Mateo, United States$871.0MConsumer credit and mobile banking platform offering personal loans, credit cards, and checking accounts.
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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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Pipecurve61FintechSan Francisco, United Kingdom$16.0MEmbedded capital platform providing working capital advances to small businesses.
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Funding Societies46FintechSingapore, SingaporeLeading digital finance platform for SMEs in Southeast Asia, offering loans and payment solutions.
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Younited61FintechParis, France$666.8MEuropean fintech providing instant consumer credit and payment solutions.
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Yoyo Wallet60FintechLondon, United Kingdom$31.0MBank card-linked loyalty platform for personalized rewards and seamless redemption.
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KreditBee60FintechBengaluru, India$71.5MIndian consumer lending startup
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Atom Bank60FintechDurham, United Kingdom$176.3MA UK-based digital challenger bank.
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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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PicPay59FintechSão Paulo, Brazil$564.0MBrazilian digital wallet and bank offering financial services for individuals and businesses.
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Shopify78E-commerce PlatformOttawa, Canada$122.3MShopify provides a leading e-commerce platform that enables businesses of all sizes to create online stores, manage products, process payments, and fulfill orders, simplifying digital sales globally.
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Fiserv Inc.77Banking TechnologyMilwaukee, United States$300.0MGlobal financial technology provider for banks, credit unions, merchants, and businesses.
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CredPal56FintechLagos, Nigeria$16.6MCredPal offers flexible "Shop Now, Pay Later" solutions, enabling installment payments for consumers and businesses across Africa.
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Carmoola56FintechLondon, United Kingdom$528.2MA fully digital car finance platform.
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Fido Solutions56FintechAccra, Ghana$33.0MFido empowers individuals and entrepreneurs in Africa with fast, easy, and secure access to digital financial services.
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Atlas Invest56FintechNew York, United States$11.0MAI-powered private debt platform for institutional investors, starting with real estate.
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MoneyLion55FintechNew York, United States$150.0MDigital financial services platform offering banking, investing, and crypto.
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Bridgement55FintechCape Town, South Africa$10.0MSouth African fintech lender providing AI-driven flexible finance solutions for business cash flow.
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Behalf55FintechNew York, United States$411.0MB2B purchase financing for SMBs to buy more and vendors to sell more.
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40Seas55FintechTel Aviv, Israel$117.0MDigital trade finance platform using AI for flexible B2B payments in global supply chains.
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Cloud Walk54FintechSão Paulo, Brazil$190.0MA fintech company focused on digital payments and financial solutions for businesses.
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Coink54FintechBogota, Colombia$6.0MA fintech platform promoting financial inclusion in Colombia through an app-based savings platform and digitalized cash solutions.
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A Brazilian fintech platform empowering merchants to offer and operate their own credit businesses with AI-driven embedded finance.
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Bounce38FintechBounce AI offers a digital platform for individuals to manage and resolve debt with flexible payment plans.
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Oodle Car Finance52FintechOxford, United Kingdom$630.0MOodle Car Finance provides a seamless, digital platform for used car financing, connecting buyers with dealers and lenders.
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Talino51FintechLos Angeles, USA$12.4MFintech foundry building and scaling financial technology companies.
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Bizi51FintechTel Aviv, Israel$7.5MInnovative financial solutions for small businesses to manage cashflow and grow.
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Dojo50FintechLondon, United Kingdom$385.1MDojo provides a cloud-native platform for in-person and digital payment solutions, business funding, and booking management.
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Green Dot50FintechAustin, United States$495.1MFinancial technology and bank holding company providing banking and payment solutions for consumers and businesses.
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KOHO49FintechToronto, Canada$130.0MA modern financial platform for Canadians.
Compare StoneCo head to head
Side by side on what each one does, what it costs, and what real users report.

