EarnIn Funding, Investors & Competitors

Founded in 2009, Block provides payment services to merchants, along with related services. The company also launched Cash App, a person-to-person payment network. In 2024, Square's payment volume was almost USD 250 million.

PayPal was spun off from eBay in 2015 and provides electronic payment solutions to merchants and consumers, with a focus on online transactions. The company had 434 million active accounts at the end of 2024. The company also owns Venmo, a person-to-person payment platform.

Founded in 2012, Affirm is a market leader in the buy-now, pay-later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also comprise the majority of its revenue. Affirm operates in the United States, which accounted for more than 95% of its revenue in 2025, but the firm has also expanded to Canada and the United Kingdom.

Kaspi.kz JSC is the payment, marketplace, and Fintech ecosystem in Kazakhstan. The firm provides interconnected technologically seamless products and services that help people to pay, shop and manage their finances. Its operating segment includes the Payments Platform that connects its customers, which consist of both consumers and merchants, to facilitate cashless, digital transactions, the Marketplace Platform, which derives maximum revenue, connects merchants and consumers enabling merchants to increase their sales and consumers to buy a broad selection of products and services offered by a variety of merchants, and Fintech Platform that enables customers to manage their personal finances online and access consumer finance and deposit products through the Kaspi.kz Super App.

Upgrade is a San Francisco-headquartered fintech company delivering personal loans, home improvement financing, auto loans and refinancing, plus credit cards that convert to fixed-rate installment plans. Its offerings extend to high-yield savings and rewards checking accounts, credit monitoring services, and educational resources for credit management. Upgrade Shopping provides cashback rewards at participating retailers to complement card benefits. Founded in 2017, the platform targets mainstream consumers with accessible banking and credit products.

Wealthsimple is a Toronto-headquartered neobank offering automated investing, commission-free trading of stocks, ETFs, options, and cryptocurrencies, plus chequing accounts with 2.75 percent interest. Users build managed portfolios from $1 with 0.4-0.5 percent fees, file taxes via SimpleTax, and access credit cards. Serving 2 million Canadians, it holds banking licenses from major regulators.

Tabby is a Dubai-headquartered buy-now-pay-later provider operating in UAE, Saudi Arabia, and Kuwait. Founded in 2020 as a unicorn valued at $3.5 billion, it partners with 20,000 retailers like IKEA and Adidas for interest-free installments over four payments. The platform serves 5 million users with virtual cards and credit limits up to AED 20,000.

Klarna is the largest pure-play in the buy now, pay later space. The company operates a two-sided network with a payment method at its core, but it is ultimately a lender. Merchants sign up with Klarna to increase turnover in their stores. Primarily, Klarna can provide merchants with higher conversion rates and average order values relative to other payment methods. Some merchants enter a symbiotic relationship with Klarna, advertising its brand on the product page to drive conversion and to benefit from Klarna’s brand value in the merchant’s sales funnel. Customers use Klarna for its ease of use, quick access to credit, zero-interest financing, and lower reminder fees.

Rappi is a leading on-demand delivery platform operating across Latin America, including Colombia, Mexico, Brazil, and Argentina. Customers use its mobile app to order groceries, meals, pharmaceuticals, pet supplies, and gifts, with options like Turbo for rapid service and integrated digital wallets for payments. Founded in 2015 and headquartered in Bogota, Rappi also facilitates travel bookings and cash delivery, serving millions through hyperlocal logistics networks.

Plata is a Mexico City-based fintech providing a no-annual-fee Mastercard credit card and buy-now-pay-later service. The platform offers up to 15% customizable cashback in partner categories, interest-free installments, Apple Pay support, and 24/7 fraud monitoring. Plata Difiere extends installment credit up to MXN 200,000 over 3-24 months without cards. Users manage digital cards and top-ups via app or cash at OXXO stores, targeting underserved consumers in Mexico's digital payments market.

CRED is a members-only platform in India for managing credit card bills with rewards for timely payments. Users access an app that tracks spending across multiple cards, sends reminders, and offers exclusive deals from luxury brands like Louis Vuitton and Mercedes-Benz. Bengaluru-headquartered and launched in 2018, CRED processes billions in bill payments monthly. It partners with over 200 banks including HDFC and ICICI, providing cashback and premium membership perks.

Sezzle Inc is a financing institution that offers technology-driven payment platform. It allows customers to split their purchase into four installments and pay over 6 weeks with only the first payment due at the time of purchase. Companies operations comprise one reportable segment, the majority of which derives revenue from payment processing platform in North America.

Ualá is an Argentine fintech company offering a mobile-based financial ecosystem that includes Mastercard prepaid and debit cards, credit cards, savings accounts, personal loans, investment products, insurance, and merchant payment services. Founded in 2017 by Pierpaolo Barbieri and headquartered in Buenos Aires, the platform originally launched as a prepaid card provider and has since expanded into a full-service digital banking operation. Ualá serves over 11 million customers across Argentina, Mexico, and Colombia, with roughly one in five Argentine adults holding an account. The company acquired Mexican bank ABC Capital, granting it a local banking license to offer deposit and lending products in that market. Backed by investors including Allianz X, SoftBank, Tencent, Goldman Sachs Asset Management, and Soros Fund Management, Ualá reached a valuation of $3.2 billion following a $195 million funding round in March 2026.

Teya is a London-headquartered payments provider for SMEs across Europe, formerly known as SaltPay. The company processes card transactions, offers POS hardware, loyalty programs, and cash advances to over 300,000 merchants in the UK, Spain, Italy, and Germany. Teya integrates with accounting software like Xero and QuickBooks for automated invoicing. Its gateway supports online and in-store payments with 3D Secure fraud prevention and dynamic currency conversion.

Momo is Vietnam's leading mobile wallet and super app founded in 2007 serving tens of millions of users. Offers comprehensive fintech services including mobile payments bill payment across 100+ categories money transfers personal loans airline and movie ticket purchases. Partners with 24 domestic banks and international payment networks including Visa Mastercard and JCB.

Zilch is a London-headquartered payments network offering buy-now-pay-later services with 0% APR over six weeks and no fees for UK consumers. Launched in 2020, it processes transactions for retailers like ASOS and Nike, generating revenue through advertising while serving 2 million users via its app.

Zip is a credit provider operating two segments: Australia and New Zealand, and the US. Founded in Australia in 2013, it has over 6 million active customers and partners with over 85,000 merchants. In Australia, Zip positions itself as a credit card alternative, with several revolving credit products. Customers can carry the balance over time with a monthly fee and set their own repayment schedule. The US and New Zealand offering is a far more vanilla BNPL offering: Pay-in-4 in New Zealand and Pay-in-Z in the US, where customers pay back in fixed instalments. The US segment is built on the 2020 acquisition of QuadPay and has recently become Zip’s largest and fastest-growing segment.

Kredivo Group is a Jakarta-based fintech conglomerate formerly FinAccel, providing digital credit services across Southeast Asia through Kredivo, KrediFazz, and Krom brands. Its flagship Kredivo app delivers buy-now-pay-later options for e-commerce platforms like Tokopedia and Shopee in Indonesia and Vietnam, with limits up to IDR 30 million based on real-time AI underwriting. The group processed over USD 2 billion in transactions in 2022.