Best FinTech Companies in Gauteng, South Africa
The 308 best FinTech companies in Gauteng, South Africa in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: VALR.
Our analysis of 1,006 FinTech companies
$195.5b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Gauteng
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | VALR App-based platform for cryptocurrency trading | $55M | 51 mo ago | 11 | 2018 | Badi Sudhakaran Co-Founder & Chief Product Officer | Cart FunctionalitySquarespace CommerceSquarespace+23 | 1 launch |
| 2 | Ozow Provider of payment solutions, including pay by bank and crypto payments | $52M | 55 mo ago | 147 | 2005 | Thomas PAYS Co-Founder & CEO | WordPressMySQLPHP+26 | 2 job openings |
| 3 | Naked AI-driven app that provides usage-based car insurance | $32M | 16 mo ago | 102 | 2016 | Alex Thomson Co-Founder | SentryZendeskApple iCloud Mail+24 | 2 job openings · 2 launchs |
| 4 | Pineapple App-based P&C insurance comparison platform for individuals | $27M | 31 mo ago | 56 | 2017 | — | TurbopackApple iCloud MailGoogle Workspace+36 | — |
| 5 | Adumo Provider of payment solutions, card machines, and customer engagement platforms | $26M | 43 mo ago | 33 | 2019 | Paul Kent Founder & CEO | Webflowcore-jsjQuery+18 | 1 partnership |
| 6 | UsPlus Working capital financing via invoice factoring | $14M | 16 mo ago | 6 | 2015 | — | — | — |
| 7 | Contactable Platform offering biometrics identity proofing solutions | $14M | 9 mo ago | 29 | 2009 | — | WordPressMySQLPHP+21 | — |
| 8 | TymeBank Provider of the digital bank for individuals | $13M | 60 mo ago | 550 | 2012 | — | WordPressMySQLPHP+25 | — |
| 9 | LittleFish Provider of software solutions for finance management | $10M | 4 mo ago | — | 2021 | Davith Kahwa Co-Founder | Cart FunctionalityWordPressApple iCloud Mail+25 | — |
| 10 | Ovex Institutional-grade custodian and cryptocurrency exchange platform | $4M | 62 mo ago | — | 2017 | Jonathan Ovadia Founder & CEO | TurbopackNode.jsTailwind CSS+19 | 1 launch |
| 11 | Centbee App-based cold wallet for cryptocurrency | $2M | 41 mo ago | — | 2016 | Lorien Gamaroff Co-Founder & CEO | — | — |
| 12 | SAVA Expense management and card solutions for businesses | $2M | 47 mo ago | 10 | 2021 | Federico Landesmann Co-Founder | Node.jsRadix UITailwind CSS+10 | 1 launch |
| 13 | MortgageMarket Comparison platform for residential mortgages | $1M | 64 mo ago | 23 | 2018 | Tim Akinnusi Ceo And Co-Founder | WordPressMySQLPHP+23 | — |
| 14 | Akiba Digital Risk decisioning platform that empowers businesses to make faster, smarter, and more inclusive financial… | $1M | 59 mo ago | 14 | 2017 | Tebogo Mokwena Co-Founder & CEO | — | — |
| 15 | Franc App-based robo-advisors for money market and ETF investments | $822K | 48 mo ago | 13 | 2018 | Thomas Brennan Co-Founder & CEO | Node.jsRadix UITailwind CSS+22 | — |
| 16 | Lipa Payments NFC-enabled POS solutions for merchants and businesses | $661K | 51 mo ago | 8 | 2020 | Roger Bukuru Co-Founder | DudaApple iCloud MailMicrosoft 365+19 | — |
| 17 | Livestock Wealth Provider of a crowd-farming company for investing in cattle | $565K | 44 mo ago | 23 | 2015 | — | WordPressMySQLPHP+30 | — |
| 18 | Affinity Health A range of health insurance products | $499K | 174 mo ago | — | 2009 | Murray Hewlett CEO | WordPress Block EditorwpBakeryWordPress+38 | — |
| 19 | DIGITECH GROUP Provider of IT consulting and application development services | $330K | 51 mo ago | — | 2016 | Alexandre N'djore Founder & CEO | — | — |
| 20 | MoneyWorks Provider of invoice financing platform for businesses | $297K | 68 mo ago | 2 | 2018 | Wesley Gabriels CEO | — | — |
| 21 | Fincheck Financial products comparison website | $288K | 81 mo ago | — | 2015 | Christopher Ball Co-Founder | Cart FunctionalityWooCommerceWordPress+23 | — |
| 22 | Sticitt Payment solutions for schools | $260K | 11 mo ago | 15 | 2017 | Theo Kitshoff Chief Executive Officer | WordPressZohoMySQL+20 | 2 launchs |
| 23 | Athena Provider of medical payments management software for healthcare | $250K | 28 mo ago | — | 2022 | Jabulani Nyembe Founder | — | 3 partnerships |
| 24 | LeaseSurance Platform offering insurance solutions for rental real estate | $161K | 33 mo ago | — | 2020 | Paul Schaefer Chief Executive Officer | — | — |
| 25 | CreditAIs API-based alternative credit scores for small-sized businesses | $100K | 45 mo ago | 3 | 2020 | Sabelo Sibanda CEO | — | — |
| 26 | Merge Online platform for connecting entrepreneurs & investors | $100K | 72 mo ago | 6 | 2019 | Zander Matthee Co-Founder & CEO | — | — |
Top 12 FinTech companies in Gauteng
#1
Series A · Johannesburg, Gauteng · founded 2021$9.5Mraised▾
Provider of software solutions for finance management. It provides users with a fintech company's goal to empower and facilitate trade, especially for small, micro, and nano-business owners. It also aims to streamline the payment process for SMEs by embedding payment functionalities into their daily operations.
- Jan 2026Series A$9.5M
- Oct 2024Seed—
#2
Series B · Centurion, Gauteng · founded 2009 · 29 employees$13.5Mraised▾
Platform offering biometrics identity proofing solutions. The platform is designed to assist users in validating that the real-world identity exists, that the digital identity matches, and that the person making the identity claim also matches. Solutions they offer are customer Ddgital on-boarding, customer digital identity, biometrics multi modal and etc.
- Sep 2025Series B$13.5M
#3
Series B · Johannesburg, Gauteng · founded 2016 · 102 employees$31.8Mraised▾
AI-driven app that provides usage-based car insurance. It offers a chatbot for usage-based quotes and prices. It also offers roadside assistance services, claims approval, and more. Its app is available for iOS and Android platforms.
- Jan 2025Series B$38M
- Feb 2023Series B$17M
- Aug 2021Series A$11.1M
- Dec 2018Seed$2.2M
#4
Seed · Randburg, Gauteng · founded 2015 · 6 employees$14.2Mraised▾
UsPlus provides working capital financing to MSMEs via the invoice factoring method, by buying invoices with payment periods of 3-60 days. The application process is online, and once set, the platform can be accessed via mobile or desktop for uploading of invoices. UsPlus claims to have ultra-competitive pricing in the shorter invoice periods (21 days or less).
- Jan 2025Seed$2M
- Dec 2023Conventional Debt$2.2M
- Jun 2022Conventional Debt$10M
#5
Series B · Johannesburg, Gauteng · founded 2017 · 56 employees$27.2Mraised▾
App-based P&C insurance comparison platform for individuals. It offers quotes for home electronics equipment, bicycles, cameras, drones, furniture & appliances, phone, sports equipment, and more. It also offers claims assistance solutions. The app is available for Android and iOS platforms.
- Nov 2023Series B$21.3M
- Jul 2021Series A$5.4M
- Oct 2019Grant (prize money)$1.5M
- Dec 2018Seed$72.2K
#6
Series A · Pretoria, Gauteng · founded 2017 · 15 employees$259.8Kraised▾
Sticitt provides payment processing solutions for schools. It enables students/parents to make school fees payments via bank transfers and credit/debit cards. It also provides a digital wallet for sending and receiving school payments.
- Jul 2025Series A—
- Mar 2022Seed—
- Jun 2020Seed$176K
- Jan 2020Angel$83.8K
#7
Series B · Johannesburg, Gauteng · founded 2018 · 11 employees$55Mraised▾
App-based platform for cryptocurrency trading. It uses AI and machine learning technology to validate the identity of the trader. It allows users to securely buy, store and sell cryptocurrencies.
- Mar 2022Series B$50M
- Jul 2020Series A$3.5M
- Feb 2019Seed$1.5M
#8
Acquired · Sandton, Gauteng · founded 2019 · 33 employees$25.9Mraised▾
Provider of payment solutions, card machines, and customer engagement platforms. The business offers standalone, integrated, and online payment processing. It provides point-of-sale integrations, alternative payment options, and automated reconciliation services. Additionally, the company delivers customer engagement solutions, including loyalty rewards, gift cards, and virtual vouchers. Payout solutions, such as rewards, payroll, and expense management, are also available.
- Nov 2022Series B$10.9M
- Nov 2022Conventional Debt—
- Feb 2021Series B$15M
#9
Series B · Johannesburg, Gauteng · founded 2005 · 147 employees$51.7Mraised▾
Provider of payment solutions, including pay by bank and crypto payments. The business facilitates payments, refunds, and payouts for businesses. It offers various payment options, including card payments, one-blink payments, and voucher redemption. The business also provides integrations and plugins for businesses.
- Nov 2021Series B$48M
- Jun 2019Series A—
#10
Acquired · Johannesburg, Gauteng · founded 2012 · 550 employees$13.3Mraised▾
Provider of the digital bank for individuals. It provides users with a platform where users can open an account online and get a debit card linked to the account. Users earn reward points on making payments via cards. It offers a savings tool GoalSave, that enables users to set up various savings goals.
- 2021Series A—
- Jun 2019Series A$13.3M
#11
Series A · Sandton, Gauteng · founded 2016$2.3Mraised▾
App-based cold wallet for cryptocurrency. It allows users to send, receive, and store cryptocurrency. It offers fund transfers from a bank account or retail lanes. It offers other services including merchant payments, cross-border remittances, and more. It is available on Android and iOS platforms.
- Dec 2022Series A$1M
- Feb 2020Series A—
- Apr 2019Series A$1.3M
- Jan 2018Seed—
#12
Seed · Johannesburg, Gauteng · founded 2021 · 10 employees$2Mraised▾
Expense management and card solutions for businesses. It offers solutions for spending management, business card management, transaction management, collateral-free credit, and more. It also offers flexible repayment plans for users. Provides features including invoice management, business account, financing invoices, and more.
- Jun 2022Seed$2M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of FinTech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in South Africa
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 90 South Africa-affiliated papers.
- University of Johannesburg16
- Walter Sisulu University12
- University of South Africa10
- University of the Witwatersrand9
- University of Pretoria7
- Financial services1→13
- Financial inclusion3→9
- Financial services4→23
- Financial inclusion4→18
- Payment2→7
- Mobile payment2→7
- Inclusion (mineral)2→5
Where fintech is researched across South Africa
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.