GoCardless Alternatives

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Cleva

Payment Processing

Cleva enables African freelancers and businesses to receive international payment for their service, while protecting themselves from local currency volatility. With a Cleva USD account, one can easily receive USD payment from anywhere in the world, spend via a card, pay bills, convert to local currency, and save in USD to hedge against local currency volatility.

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Blaze

Payment Processing

Blaze (YC S24) is global Venmo for cross border payments. It's a peer to peer payments app that uses USDC to make payments fast and cheap between any two people anywhere in the world. The founders scaled their last startup to $1M in ARR, studied mathematics and engineering at Duke, NYU, and Cornell, and have led teams at Spotify, Artsy, and Bitpanda. They're live in the US and Mexico, available for download on iOS and Android: https://blaze.money

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Miden

Payment Processing

Miden is building a modern infrastructure that facilitates the launch of card programs and various financial products for businesses in Sub-Sahran Africa. Just by reducing integration time, card fraud, improving stability, and being customer focused we quickly rose to top 5 in TPV among card issuing Fintechs in Sub-Saharan Africa within 8 months of launch. We’re going to build the first comprehensive fintech and banking software stack for Africa, based on modern technology. We’re starting with a card issuer-processor.

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Square

Payment Processing

Square made payment processing accessible to small businesses by offering transparent pricing and hardware that works seamlessly with smartphones and tablets. The platform eliminates traditional barriers to accepting card payments, allowing anyone with a mobile device to start accepting payments immediately. Square's point-of-sale system provides inventory management, employee management, and analytics that help small businesses operate more efficiently. The platform's ecosystem extends beyond payments to include payroll services, appointment scheduling, customer engagement tools, and business financing. Square excels in retail and service businesses where transactions happen in-person and online, providing unified commerce solutions that track sales across all channels. The platform's simplicity and transparent pricing have made it particularly popular among small businesses, restaurants, and service providers who want professional payment capabilities without complex contracts or hidden fees.

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Infinity

Payment Processing

Infinity is a banking and payments platform for cross-border businesses in India. We help our customers make cross-border payments that are 70% cheaper than traditional methods and earn income on idle cash by investing in government securities.

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Swift

Payment Processing

Swift is building instant international payments to replace the archaic correspondent banking infrastructure. Our first product is an all-in-one embedded finance platform for online merchants.

RentFlow is the first ‘Buy Now Pay Later’ rent collection platform. In the US alone, ~ 50% of small & medium businesses, and ~ 15% of residents are behind on their rent. RentFlow’s mission is to decrease the financial and administrative burden of late rent for everyone. Thanks to our partner bank, we automatically pay property managers upfront for their rent & fees on the 1st of the month. Meanwhile, business owners and residents have the possibility to pay their rent in flexible installments that adapt to their cash flow needs. We also report timely installments to all major credit bureaus to help renters build their credit score fast while paying on their own schedule. RentFlow leverages Generative AI to provide a built-in rent collection agent and to unlock installment plans on an ongoing basis based on each tenant’s risk profile. With RentFlow, say goodbye to late rent once and for all.

At Moreta, we simplify payments for international travelers, letting you pay for anything using just your phone. Say goodbye to the hassle of searching for the best cash exchange rates or ATMs on your next trip. With Moreta, paying local merchants is easy, and the best part? Transparent fees. We came up with Moreta while on our own backpacking adventures. Watching locals pay with a simple scan while we fumbled with cards and cash. So, we created a solution. By syncing with local payment networks, Moreta lets you pay like a local securely and digitally, without needing a bank account in every country. We’re starting in Asia, where QR code digital wallets are taking over and are now the top choice at checkout. As these wallets start to join forces for cross-border payments, Moreta will be the first to bridge the gap for international travelers from card-centric markets to seamlessly tap into these local networks. Moreta will target 67 million travelers arriving in the region each year, who together have $127 billion in everyday expenditure.

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Stripe

Payment Processing

Stripe revolutionized online payment processing by providing developer-friendly APIs that make accepting payments as straightforward as integrating any other web service. The platform handles the complex compliance, security, and infrastructure challenges of payment processing, allowing businesses to focus on their products rather than payment logistics. Stripe's API-first design makes it flexible enough to power everything from simple e-commerce checkout flows to sophisticated marketplace platforms that split payments between multiple parties. The platform supports global payment methods including credit cards, digital wallets, bank transfers, and local payment methods across hundreds of countries. Stripe's suite of financial products extends beyond payments to include invoicing, billing subscriptions, fraud prevention, and business banking. The platform has become the foundation for thousands of online businesses, from startups to enterprises, who need reliable, scalable payment infrastructure.

We're building a commerce solution for SaaS companies globally that have overseas customers. We especially help them with streamlining billing operations like invoicing and reconciliation, managing foreign sales tax and accepting payments. We abstract out the complexities of compliance, remittance and integration for these merchants by running all that machinery in the background.

Lumen let's you implement complex pricing models in under 10 minutes. Lumen will take care of webhooks, user credits, tracking usage in real-time, usage based billing, taxes and more so you can focus on your product.

Charm makes sending money as easy as sending email. Most people juggle multiple payment apps and scattered balances. Charm lets you pay anyone, no matter what app they use, and earns you 5% interest on your balance, automatically.

SlidePay, formerly Cube, is an API that makes it easy for any app to accept credit cards that are processed in person. Integration takes hours, not weeks, and works on any platform or device.

Sendwave's mission is to make sending money as easy and affordable as sending a text. Our app sends transfers securely from North America and Europe to Africa, Asia, and the Americas at great rates.