When it comes to global FinTech hubs, New York continues to reign supreme, while New York has always been a global hub for finance, it’s now packed with fast-moving Payments Tech and FinTech startups that are changing how businesses and consumers handle money – in real time, across borders, and with far fewer delays and middlemen than ever before.
Whether it’s crypto analytics, embedded finance, or rethinking corporate spend, the startups on this list are building smarter, faster ways to pay and get paid.
How the Payments Space Has Shifted
Digital payments spiked during the pandemic – and that momentum hasn’t slowed down since, instead, it’s evolved – now, we’re seeing more businesses shift away from legacy systems in favour of modern platforms that offer flexibility, control, and better visibility.
From virtual corporate cards to real-time wage access, the way people think about payments is changing and the New York-based companies below are right at the centre of it.
Why New York?
New York doesn’t just have one of the world’s biggest financial markets, it has the engineering talent, and the investor network to support serious growth for FinTech startups. You’ve got challenger banks rubbing shoulders with institutional giants and crypto analytics platforms, SaaS lending tools launching out of co-working spaces, and ex-Wall Street teams building the next wave of infrastructure.
And because NYC sits at the crossroads of so many industries – media, hospitality, healthcare, retail, enterprise software – local Payments startups are solving a wide range of real problems across all kinds of sectors.
Companies to Watch in 2025
Storm2’s payments recruitment team are based in New York, with a front row seat to the FinTech space and most interesting PayTech companies in New York right now. Some are scaling quietly, while others are attracting major investment – either way, all of them are worth knowing if you work in FinTech, product, or finance.
| Company | Founded | What They Do | Why It Matters in 2025 |
| Lithic | 2014 | Virtual cards and developer-first payment tools | Lithic are making it easier for businesses to issue and control cards via API – useful for B2B platforms, marketplaces, and embedded payment use cases. |
| Capchase | 2020 | Revenue-based financing and cash management for SaaS | Capchase helps SaaS startups access upfront capital tied to recurring revenue – without giving up equity. Now branching into spend and treasury tools. |
| Mesh Payments | 2018 | Corporate card and expense management platform | Mesh Payments helps finance teams automate spend, set clear controls, and get better visibility – especially useful for remote or distributed companies. |
| Extend | 2017 | Infrastructure for virtual cards and tokenized payments | Extend works with banks to help them offer more flexible card products – big impact on B2B payments, embedded finance, and platform integrations. |
| Selfbook | 2020 | Payments platform for hotels | Selfbook replaces clunky booking flows with clean, secure one-click payments – works with global cards, digital wallets, and BNPL options. |
| OpenSea | 2017 | NFT and digital asset marketplace | OpenSea is still the biggest name in NFTs. Despite market ups and downs, OpenSea remains key to how people buy, sell, and store digital assets online. |
| Messari | 2018 | Crypto market data and research | Messari are building Bloomberg-style tools for the crypto space – which are increasingly being used by institutional investors, funds, and serious traders. |
| Order.co | 2016 | Platform for streamlining vendor payments and purchasing | Order.co automates purchasing workflows, consolidates payments, and helps businesses stay on top of B2B spend as they scale. |
| BloomCredit | 2017 | Credit analytics platform focused on access and transparency | BloomCredit uses data and automation to help consumers rebuild credit – and helps lenders understand risk beyond the traditional FICO model. |
| Lili | 2018 | Neobank for freelancers, creators, and the self-employed | Lili is combining banking, invoicing, and tax tools in one app – ideal for the growing population of gig workers and solo operators. |
Other NY Payments Players To Watch
- DailyPay: Letting workers access earned wages instantly – now used by major employers in retail, healthcare, and logistics.
- Ramp: One of the most talked-about corporate card and spend platforms in the US. Lean, smart, and focused on helping businesses save.
- Melio: Makes it easier for small businesses to send and receive payments – even if one side still prefers checks.
- Gynger: Lets companies buy software with flexible, short-term financing – bridging gaps between payment cycles and procurement.
- Metropolis Technologies: Brings invisible payments to real-world use cases like parking. No more meters or tickets – just park and go.
Where Things Are Headed Next
The payments space in New York is still growing fast – but the conversation has shifted. It’s not just about mobile wallets or contactless anymore. It’s about:
- Building real infrastructure for B2B payments
- Giving users more control over spend and access
- Helping founders access capital without giving up equity
- And creating products that solve daily finance problems, not just flashy ones
Hiring in FinTech? Building in Payments?
If you’re scaling a payments team in New York – or anywhere across the US – Storm2 can help. Our payments recruitment team have built deep networks across engineering, risk, product, compliance, and growth.
We work with seed-stage startups, global scaleups, and everything in between. If you’re hiring in payments, embedded finance, or digital banking, get in touch we’d love to support your growth.
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