Scalapay Revenue, Valuation, Funding & Investors

Clara is a spending management platform for Latin American businesses, issuing local corporate cards, bill payment solutions, and financing alongside software with artificial intelligence insights for detecting duplicate subscriptions and spending patterns to boost financial efficiency.

Swile is a Paris-based super app consolidating employee benefits including meal vouchers, mobility passes, and gift cards on a single smartcard. Launched in 2018, it adds workplace tools like peer recognition, event planning, P2P transfers, and engagement surveys. Analytics dashboards track satisfaction metrics for HR teams across French enterprises.

Tamara is a buy-now-pay-later platform that enables installment payments for online shopping across Saudi Arabia and the GCC region. Headquartered in Riyadh with additional offices in the United Arab Emirates, Egypt, Germany, and Vietnam, the company launched operations in September 2020. Tamara partners with major retailers such as SHEIN, Jarir, Noon, IKEA, and H&M alongside thousands of local merchants to facilitate flexible payment options for consumers.

Caribou is a fintech platform headquartered in New York. It enables drivers to refinance auto loans through partnerships with banks like Capital One and KeyBank, targeting payment reductions via competitive rates. The service uses credit analysis algorithms for instant pre-approvals. Launched in 2020, Caribou streamlines refinancing for used car owners nationwide.

Sunbit is a buy-now-pay-later platform financing services like dental, auto repair, and eyewear purchases. Available via mobile apps on iOS and Android, it approves most applicants for installment payments at merchant locations across the United States.

Sipay is a Turkey-headquartered fintech firm licensed as an electronic money institution by the Central Bank of the Republic of Turkey. It delivers issuer and acquirer payment solutions, including POS terminals with tailored merchant settlements, white-label SaaS platforms for partner-branded services, and the Sipay Wallet for cardless transactions and transfers. Additional offerings encompass QR code payments, mobile wallets, account-to-account transfers, gold trading features, and treasury-linked income from settlements. The platform caters to B2C consumers and B2B enterprises across Turkey using proprietary technology and an internal financial operations system.

PayZen is a San Francisco-headquartered healthcare fintech launched in 2019. It offers smart medical payment plans and non-recourse financing for patient out-of-pocket bills. The platform improves outcomes for providers and patients by enabling convenient installment options at payzen.com.

Alma is a Paris-headquartered buy-now-pay-later provider enabling installment payments at over 100,000 online and in-store merchants in France. Customers split purchases into three or four payments without interest or fees through its app and payment gateway.

Octane is a digital lending platform headquartered in Fort Washington, Pennsylvania, that specializes in consumer financing for powersports vehicles including motorcycles, ATVs, UTVs, snowmobiles, and outdoor power equipment such as mowers and tractors. The platform integrates with dealer systems nationwide to offer real-time credit prequalification using soft pulls, along with customized loan terms for buyers ranging from prime credit holders to those rebuilding credit. Octane partners with major manufacturers like Polaris, Honda, Yamaha, and Kawasaki, supporting over 5,000 dealer locations across the United States. Established in 2009, it streamlines the purchase process from online applications to in-store closings, processing loans for recreational marine products and RVs as well.

AutoFi is a digital retailing platform that equips car dealerships with seamless online vehicle financing capabilities. Headquartered in Austin, Texas, since its founding in 2016, the company integrates lender networks into dealer websites and mobile apps for instant credit approvals and term customization. Consumers complete purchases from home through automated applications linked to dealer inventory systems. AutoFi connects to major dealer management software like Reynolds and CDK, streamlining point-of-sale transactions for automotive retailers across the United States.

M1 Holdings delivers a personal finance platform combining automated investing, borrowing, and spending tools. Chicago-headquartered, it manages over 6 billion dollars in assets for hundreds of thousands of users through features like high-interest checking, low-cost margin loans, and cash-back Visa debit and credit cards. Recognized by Investopedia as best for sophisticated investors and low costs in 2022, plus Money's top robo-advisor in 2021, the app holds over 35,000 five-star reviews on App Store and Google Play.

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.

FamPay is a Bengaluru-headquartered fintech launched in 2019, issuing cards for teenagers to handle online and offline payments via the FamCard. Parents transfer funds directly to children's accounts, promoting controlled spending in India.

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.

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.

U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.

Qudian Inc is a consumer-oriented technology company engaged in the operation of online platforms to provide small consumer credit products in the People’s Republic of China. It aims to empower financial institutions with its technological capabilities, help them improve marketing and operating efficiency, and enable financial institutions to efficiently connect their diversified financial products with scene traffic across the entire network It derives a majority of its revenue from the People’s Republic of China.

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.