Lumen Payments Alternatives

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.

S

SuretyNow

Payment Processing

Surety bonds are financial guarantees that businesses must purchase to comply with government regulations. For example, all contractors must have a surety bond to bid and work on federal construction projects. It is a $8b opportunity in the US. SuretyNow is building the surety bond platform for the 21st century. Businesses can apply for bonds and receive affordable quotes online in minutes. We offer the fastest and simplest online experience for getting surety bonds.

S

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.

Fazeshift is an AI agent for automating Accounts Receivable. What used to take teams of people and hours of manual work can now be fully automated with Fazeshift. Caitlin and Timmy met while getting their MBA at Harvard. After graduating, they started a B2B marketing software startup, which is where they first experienced the pain of this process. The problem stems from fragmented data across software platforms like QuickBooks, Stripe, NetSuite, DocuSign, HubSpot, and Salesforce. Fazeshift’s infrastructure connects the data across these software platforms and uses LLMs to automate the previously manual workflow.

B

Bayesline

Payment Processing

Bayesline is building a GPU-powered financial analytics suite for institutional investors, like hedge funds. Clients use our cloud deployed solution to build custom analytics in seconds, having previously been frustrated with off the shelf solutions that don't generate any alpha. What used to take weeks or months now happens near instantly. Sebastian, CFA (ex Bloomberg Quant & AI Research) and Misha, PhD (ex BlackRock Managing Director) met while working at BlackRock in 2016. With a combined 20 years of experience in the space they set out to change the way the industry uses analytics - from one size doesn't fit all to truly tailored to clients' needs.

R

Rove

Payment Processing

Rove is building the first accessible and universal airline mile, redeemable across dozens of international airlines and hotel chains worldwide.

GoldenBasis makes modern back-office software for brokerages like Schwab or Fidelity, and we’re starting with asset transfers. Every year, $1.1 trillion in assets are transferred between brokerages using decades-old software. Brokerages hire thousands of people to compensate but still lose revenue from abandoned transfers. We solve this problem by automating back-office workflows with AI.

Lucible is a combined checking and investment account that allows you to invest 100% of your money while still being able to spend it. Whenever you spend, we issue a loan in real time, using your investments as collateral, to cover the cost. This is the most capital and tax efficient way to manage your money. It's what the ultra wealthy already do to finance large purchases, and now you can do it for every day spending.

T

Triply

Payment Processing

Triply (Formerly Tripitaca) is the operating system for travel businesses in Africa. We eliminate operational chaos by unifying payments, Invoicing, payroll, accounting, operations, and more into a single platform allowing travel businesses to execute and sell more efficiently.

F

Fuse

Payment Processing

AI-powered intake, eligibility and benefits verification for US healthcare providers to radically improve the patient billing experience. If you know senior execs in medical groups or partners in healthcare PE please do connect us. We won’t waste their time: +1 628 468 3232.

At Saturn, our mission is to make financial peace of mind more accessible by building the best operating system for wealth managers. Wealth and Asset Management is one of the world’s highest revenue-generating industries, yet it remains painfully inefficient. The sector relies heavily on disjointed legacy systems, manual human tasks, and a complex web of intermediaries, all of which increase costs. Saturn is an AI-powered operating system for wealth management built to automate investment research, streamline operations, and ensure compliance. Saturn creates the best version of truth, empowering investment advisors to work more efficiently, navigate complex regulatory landscapes, and deliver personalised, high-value services to their clients. Today, Saturn supports over 200 firms globally that manage more than £35bn in assets under management (AUM) and over 200,000 clients. As the industry grows, it faces massive operational challenges like bad tech, advisor retirements, regulatory pressure, an increased cost base, and transformational opportunities like great intergenerational wealth transfer and changing consumer needs. Saturn aims to be at the forefront of this transformation, driving the future of wealth management.

Sunset can track down bank accounts, retirement accounts, investment accounts, property and more for families after losing a loved one. Sunset will close those accounts and move the money into a Sunset estate account to manage.

F

FINNY AI

Payment Processing

FINNY is building a new operating system for independent financial advisors, and starting by helping them grow. Our goal is to empower the best financial advisors (the independents!) to serve all Americans who want financial advice. We are starting with growth, which is the most existential problem advisors face. The organic growth process is highly inefficient and full of noise. Advisors often waste 60 hours of business development to convert 1 new client. At FINNY, we are certain we can do better with AI. With our tool, advisors can: - Identify prospects within their target niche, aggregating thousands of data points per lead - Prioritize prospects based on their predicted likelihood of converting, a score unique to each advisor and prospect pair - Automate the outreach and meeting scheduling with their high priority prospects In essence, doing all the work for the advisors, and letting them focus on what actually matters, the client relationship.

A

Assembly HOA

Payment Processing

Assembly is an AI-enabled HOA management company on a mission to fix homeowner associations. Traditional HOA management is often reactive, confusing, and inefficient. Assembly takes a different approach by combining professional expertise with intelligent software to make communities run smoothly and decisions easier. We exist to build trust, create transparency, and ensure well-run communities that protect and enhance property values. Assembly simplifies day-to-day operations, automates routine tasks, and delivers the right knowledge at the right time. Our platform gives boards and homeowners clarity to make smarter, more confident decisions. We manage HOAs in San Francisco Bay Area and Greater Los Angeles.

TradeFlow is AI-powered settlement for financial securities. During her time in financial services, Taryn saw firsthand how inefficient and costly it is to settle trades. Historically, it’s been difficult to improve this process because it’s heavily reliant on manual emails, disparate systems, and inconsistently structured data. However, the advent of powerful AI technology allows us to unlock greater automation than ever before. TradeFlow empowers back offices to do more with less by offloading these time-intensive tasks to AI.

P

ProSights

Payment Processing

ProSights is a SaaS solution focused on Fintech, Analytics, Enterprise Software. Founded by Y Combinator alumni, this platform provides innovative tools and services to help companies streamline their operations and achieve their goals. Built with modern technology and user experience in mind, ProSights offers scalable solutions for teams of all sizes.

Elayne helps families organize their assets, estate documents, and key contacts in one place, then guides them through life transitions as circumstances and priorities evolve. Like getting married, moving, having a baby, or losing a parent. Unlike traditional wealth management tools or online estate platforms that produce static legal documents, Elayne is dynamic, intelligent, and built not just to delight, but to comfort and guide you when it matters most. I started Elayne after my mom passed away and I had to settle her estate, accounts, and affairs - essentially, I suddenly had to untangle all the details of her life. It was shocking how fragmented and opaque the process was and how I spent hundreds of hours chasing documents, coordinating accounts, filling legal gaps, and navigating unfamiliar systems, all while grieving and working full time. It shouldn’t be that way. In the future, you could hire an attorney, download DIY legal forms, fax and mail physical documents, sync 10 different fintech apps, use a financial planner, spend thousands in fees, and hope it all holds together. Or, you could just use Elayne.

There are 300k+ financial advisors in the US using a digital Rolodex to manage their client relationships, and it's time for a makeover. At Thyme we are building the OS for financial advisors that allows them to automatically take notes in meetings (in-person, online, and phone calls), manage their client records with the help of AI, and offer a client portal where clients can track their assets, manage tasks, and even pay for their services. Our users have replaced their legacy CRMs and billing solutions with us while deepening their clients' relationships thanks to our client portal and AI tooling that puts rich context at their fingertips.

Corgi is building the first full stack AI insurance carrier. Insurance is 12% of US GDP. We’re taking it all.

OffDeal is an AI-native investment bank, offering small business owners a faster, cheaper way to sell their companies at premium prices. Our AI technology automates most of the grunt work typically done by analysts at larger Wall Street banks, enabling our in-house M&A advisors to focus more on strategic client interactions, leading to better outcomes for both sellers and buyers.

TaxGPT AI co-pilot for accountants and tax professionals increases tax firm's productivity and profitability by 10x by automating tax research, client communication, onboarding flows and secure document collection.