Best FinTech Companies in San Jose, United States
The 123 best FinTech companies in San Jose, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Bill.
Biggest earners American Express Co ($10.5B, +9% YoY), Mastercard Inc ($8.3B, +13% YoY), Flex Ltd. ($6.6B, +4% YoY), Fiserv Inc ($5.0B, +10% YoY)
Our analysis of 243 FinTech companies
$56.0b in tracked funding; 98% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in San Jose
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Bill Provider of accounts payable, accounts receivable, and spend management solutions | $326M | 66 mo ago | 1,384 1,384 → 3,307 (+139%) | 2006 | Rene Lacerte Founder & CEO | WebflowSentryAtlassian Statuspage+49 | — | 2 awards |
| 2 | Tribal Credit Virtual credit cards for corporates | $140M | 32 mo ago | 400 | 2019 | Bill Crawley Co-Founder | WebflowApple iCloud MailAmazon Web Services+18 | — | — |
| 3 | PayActiv Platform providng prepaid corporate cards for employee benefit | $134M | 70 mo ago | 200 | 2012 | Sohail Aslam Co-Founder / CTO | WordPressBetterDocsApple iCloud Mail+36 | 10 patents Earned wage access and real-time payroll/shift management platform services | — |
| 4 | AppZen Provider of AI-powered software for expense auditing and accounts payable 76Funding top 19%AI top 20%Moat top 31%Growth top 33% All 12 signals ▾Fundingtop 19% AItop 20% Moattop 31% Growthtop 33% Producttop 34% Innovationtop 37% Talenttop 38% Newstop 41% Patentstop 42% Markettop 46% Techbottom 47% Globalbottom 45% Funding: Raised $103M across 6 rounds · 6 rounds over 11 yrs (0.5/yr) AI: Classified as an agentic-AI company · Holds AI/ML patents (G06N-family CPC) rank vs industry peers · Fliar Intelligence Index 76/100 | $103M | 8 mo ago | 141 | 2012 | Kunal Verma Co-Founder and CTO | HubSpot CMS HubAmazon Web ServicesMicrosoft Clarity+21 | 7 patents AI-powered invoice/expense automation with fraud detection and line-item image-text matching | 3 launchs |
| 5 | Intacct.com Provider of cloud-based account and finance management platform | $99M | 121 mo ago | — | 1999 | Robert Reid CEO | CodeMirrorTypeScriptNode.js+29 | — | — |
| 6 | Sage Intacct Cloud-based accounting and financial management software for businesses | $96M | 121 mo ago | 783 | 1999 | — | — | 20 patents Cloud-based financial accounting automation, ledger consolidation, and API version management | — |
| 7 | MetaMap Identity verification platform for enterprises | $84M | 53 mo ago | 30 | 2017 | — | WordPressSentryAtlassian Statuspage+35 | — | — |
| 8 | PeerNova Compliance solutions for financial industry | $69M | 79 mo ago | 44 | 2013 | Gangesh Ganesan Co-Founder & CEO | WordPressApple iCloud MailGoogle Workspace+29 | 43 patents Patents concentrated in computing, sensing & instrumentation | 1 launch |
| 9 | BroadLogic White-label trading platform and brokerage solutions | $62M | 203 mo ago | 9 | 1998 | — | — | — | — |
| 10 | MainStreet Online tax credits claim services for startups 48Moat top 31%Funding top 38%Tech top 38%Growth top 45% All 6 signals ▾Moattop 31% Fundingtop 38% Techtop 38% Growthtop 45% Marketbottom 45% Globalbottom 37% Moat: Editorial + unicorn rating 8/10 · Soonicorn Funding: Raised $60.0M across 1 rounds · 1 rounds over 5 yrs (0.2/yr) rank vs industry peers · Fliar Intelligence Index 48/100 | $60M | 63 mo ago | 145 | 2002 | — | WordPress Site EditorWordPressMySQL+26 | — | — |
| 11 | ThreatMetrix Provider of risk management and fraud detection solutions and services | $56M | 116 mo ago | 150 | 2005 | — | — | — | — |
| 12 | BrightPlan Goal-based robo advisoy platform 50Funding top 34%Growth top 35%Moat top 37%Tech top 41% All 12 signals ▾Fundingtop 34% Growthtop 35% Moattop 37% Techtop 41% Patentstop 44% Producttop 49% Talentbottom 49% Customersbottom 48% Innovationbottom 46% Marketbottom 45% Newsbottom 45% Globalbottom 35% Funding: Raised $44.1M across 4 rounds · 4 rounds over 7 yrs (0.6/yr) Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 50/100 | $44M | 5 mo ago | 60 | 2016 | Marthin De Beer Founder & CEO | HubSpot CMS HubSentryApple iCloud Mail+20 | 19 patents Patents concentrated in computing, sensing & instrumentation | 2 awards |
| 13 | Spec Platform offering financial fraud solutions | $29M | 32 mo ago | 16 | 2020 | Nate Kharrl Co-Founder & CEO | WebflowApple iCloud MailGoogle Workspace+21 | — | — |
| 14 | Amberflo Cloud-based invoicing and billing solution for businesses | $20M | 41 mo ago | 27 | 2020 | Puneet Gupta Co-Founder & CEO | — | — | — |
| 15 | Productfy Open banking APIs for banks & financial institutions | $19M | 61 mo ago | 20 | 2018 | — | — | — | — |
| 16 | Sureify Platform offering CRM software to the insurance industry | $17M | 56 mo ago | 185 | 2012 | Dustin Yoder Co-Founder & CEO | WordPressMySQLPHP+39 | — | 2 awards |
| 17 | Verient Transforms check payments to credit card payments | $14M | 169 mo ago | 7 | 2006 | — | — | 43 patents Secure NFC-based payment transaction processing and distributed payment platform technologies. | — |
| 18 | Trunomi Enterprise KYC and data privacy solutions | $10M | 83 mo ago | 6 | 2013 | — | — | — | — |
| 19 | Keep Financial Online platform offering employer-enabled loan management services to employees | $9M | 49 mo ago | 12 | 2022 | Rob Frohwein Co-Founder | HubSpot CMS HubAmazon Web ServicesMobX+17 | — | — |
| 20 | Flyfin Tax Provider of AI interfaced tax management software for freelancers and self employed individuals | $8M | 54 mo ago | 29 29 → 39 (+34%) | 2020 | Sachin Rajendra Co-Founder | SentryNode.jsUbuntu+26 | — | — |
| 21 | Menos AI Provider of AI-driven solutions for optimizing asset management and automating workflows for hedge funds… 64Growth top 28%Tech top 38%AI top 45%Funding top 50% All 6 signals ▾Growthtop 28% Techtop 38% AItop 45% Fundingtop 50% Talentbottom 45% Globalbottom 25% Growth: Web rank 50,000,000 → 10,000,000 YoY · Fresh capital in last 24 mo Tech: 25 technologies across 6/8 capability areas · Cloud: Amazon Web Services, Google Cloud rank vs industry peers · Fliar Intelligence Index 64/100 | $5M | 10 mo ago | — | 2024 | Baojiang Yang Co-Founder | WixSentryEnvoy+13 | — | 1 launch |
| 22 | Option Circle Platform providing AI-driven trading solutions for retail investors 55AI top 35%Tech top 41%Funding top 50%Talent bottom 49% All 5 signals ▾AItop 35% Techtop 41% Fundingtop 50% Talentbottom 49% Globalbottom 34% AI: Product described with: ai-driven, ai-powered Tech: 25 technologies across 5/8 capability areas · Cloud: Amazon Alb, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 55/100 | $5M | 3 mo ago | — | 2020 | Vinesh G. Co-Founder & COO | Cart FunctionalityTypeScriptFacebook Login+22 | — | — |
| 23 | Atidot Machine learning based analytics solution for insurance industry | $5M | 92 mo ago | 36 | 2015 | — | WordPressMySQLPHP+29 | — | 1 partnership |
| 24 | NES Financial Fund administration solutions | $5M | 109 mo ago | 67 67 → 79 (+18%) | 2005 | — | — | — | — |
| 25 | Yakoa AI-based platform for NFT fraud detection solutions | $5M | 43 mo ago | 6 | 2022 | Andrew Dworschak Co-Founder | — | — | — |
| 26 | Quantum Secure Provider of physical identity access management | $4M | 235 mo ago | 44 | 2004 | Ajay Jain Founder & CEO | — | — | — |
| 27 | Able Income tracking & management solution | $3M | 30 mo ago | 14 | 1989 | — | Webflowcore-jsjQuery+12 | — | — |
| 28 | Divi Project Cloud mining solutions for cryptocurrency | $3M | 102 mo ago | — | 2016 | Nick Saponaro Co-Founder | Webflowcore-jsjQuery+9 | — | — |
| 29 | StoreCash Provider of mobile applications facilitating instant cash back reward payments | $2M | 19 mo ago | 5 | 2019 | Phani Mullapudi Co-Founder | WixSentryZendesk+14 | — | — |
| 30 | INSTO API-enabled credit card for consumer installment payments | $2M | 129 mo ago | 11 | 2014 | — | Element UIGoogle CloudVue.js+12 | — | — |
| 31 | Six Clovers Blockchain-based platform offering payment solutions to businesses | $2M | 31 mo ago | 7 | 2020 | — | — | — | — |
| 32 | Prometheus AI AI-backed investment platform for impact investing | $2M | 14 mo ago | 15 | 2020 | Grigorios Papamanousakis Founder & CEO | Framer SitesReactPriority Hints+7 | 19 patents Patents concentrated in transport & manufacturing processes | — |
| 33 | Proformative Finance & Accounting Q&A platform for corporate professionals | $2M | 161 mo ago | 10 | 2009 | — | ZURB FoundationVarnishMustache+26 | — | — |
| 34 | Slidebean Platform offering Saas based presentation tools | $1M | 107 mo ago | 39 | 2013 | Vinicio Chanto Co-Founder & VP of Design | Apple iCloud MailGoogle WorkspaceGraphQL+26 | — | — |
| 35 | Aingel AI Online platform for financial market data | $1M | — | 13 | 2016 | — | — | 3 patents AI-driven financial analytics for startup investor identification and success prediction | — |
| 36 | AceBot Platform offering productivity bot on slack | $650K | 118 mo ago | 11 | 2015 | — | — | — | — |
| 37 | Arcus Lending Home loans provider | $133K | 73 mo ago | 74 | 2008 | — | — | — | — |
Top 12 FinTech companies in San Jose
#1
Series B · San Jose, California · founded 2016 · 60 employees$44.1Mraised▾
BrightPlan provides a robo-advisory platform. The platform takes users goals as input to help plan for the portfolio. After profiling the user, the system automatically selects a relevant portfolio, invests, and rebalances it to achieve the goals. The company also provides access to advisors to help with financial planning.
- Jan 2026Series B$4M
- Feb 2024Series B$22.5M
- Mar 2021Series B$9.6M
- May 2019Series B$12M
#2
Series D · San Jose, California · founded 2012 · 141 employees$102.5Mraised▾
Provider of AI-powered software for expense auditing and accounts payable. The company offers autonomous accounts payable, email management, and global e-invoicing compliance. It provides automated auditing for expense reports and corporate card programs. The AI platform offers low-code automation, pre-built application library, and integration with existing systems. The company's solutions address fraud detection, operational expenditure reduction, and regulatory compliance.
- Sep 2025Series D$180M
- Sep 2019Series C$50M
- Oct 2018Series B$35M
- Nov 2017Series A$13M
#3
Seed · San Jose, California · founded 2020$5.1Mraised▾
Platform providing AI-driven trading solutions for retail investors. It enables retail investors to leverage institutional-grade automation and monetization tools, offering a seamless trading experience. It is reshaping how retail investors trade options by uniting real-time risk management, intelligent automation, and AI-powered insights in one seamless platform.
- Mar 2026Seed$3M
- Mar 2025Seed$2.1M
#4
Seed · San Jose, California · founded 2024$5.2Mraised▾
Provider of AI-driven solutions for optimizing asset management and automating workflows for hedge funds, asset managers, and other financial institutions. It is a platform that leverages advanced AI technologies to automate routine tasks, analyze complex data sets, and provide actionable insights for asset management professionals. It aims to simplify decision-making processes and enhance investment outcomes by deploying secure AI agents.
- Aug 2025Seed$5.2M
#5
Series B · San Jose, California · founded 2019 · 400 employees$140Mraised▾
Tribal provides virtual credit cards to startups. It enables startups to pay for business expenses using the card. It also provides a dashboard to monitor the transactions and assign a credit limit for the employees.
- Oct 2023Venture Debt$150M
- Mar 2022ICO$54.1M
- Feb 2022Series B$60M
- Jan 2022Conventional Debt$40M
#6
Seed · San Jose, California · founded 2020 · 15 employees$1.6Mraised▾
AI-backed investment platform for impact investing. It provides a platform for investing in companies operating in the social impact space. Its features include ESG investing aligned with the UN’s sustainable development goals, personalized impact analytics, real-time testing capabilities, and more.
- Apr 2025Grant (prize money)$275.6K
- Jan 2023Grant (prize money)$275.6K
- Sep 2022Seed—
- May 2020Seed$1.1M
#7
Seed · San Jose, California · founded 2019 · 5 employees$2.3Mraised▾
Provider of mobile applications facilitating instant cash back reward payments. This platform enables users to purchase store credit for specific retailers to receive immediate financial incentives on transactions. The technology integrates with payment cards to automate savings and track expenditures. Users access these features through a digital interface that processes transactions to bypass third-party fees. The system allows for the application of rewards toward future purchases at participating merchants.
- Nov 2024Seed$3.7M
- Mar 2024Seed$2.3M
- Jun 2019Seed—
#8
Public · San Jose, California · founded 2006 · 1384 employees$325.6Mraised▾
Provider of accounts payable, accounts receivable, and spend management solutions. The platform offers accounts payable and receivable automation, spend and expense management, and cash flow forecasting. It provides features such as bill creation, approvals, payments, invoicing, and procurement. The platform also offers integrations with accounting software and mobile applications.
- Nov 2020Post IPO$1.1B
- Apr 2019Series G$88M
- Oct 2017Series G$100M
- Apr 2015Series F$50M
#9
Series A · San Jose, California · founded 2020 · 16 employees$29.3Mraised▾
Platform offering financial fraud solutions. It automatically collects and unifies users' trust, fraud, and payment data into a single source of truth. Without writing a single line of code, teams instantly respond to insights, automate workflows, and integrate solutions that effortlessly ensure the delivery of powerful online experiences that are frictionless and secure.
- Oct 2023Series A$15M
- Jan 2023Series A$5.4M
- Aug 2022Series A$4.5M
- Apr 2021Seed$4.3M
#10
Acquired · San Jose, California · founded 2017 · 30 employees$84.1Mraised▾
Identity verification platform for enterprises. It offers solutions for email verification, biometric identification, government database checks, compliance management, and more. It helps businesses manage identity verification and onboarding processes, fraud management, KYC and AML compliance.
- Dec 2021Series B$70.6M
- Nov 2020Series A$13.5M
- Oct 2020Series A$13.5M
- May 2020Seed—
#11
Series C · San Jose, California · founded 2012 · 200 employees$133.5Mraised▾
Platform providing prepaid corporate cards for employee benefit. Provides an on-demand payment solution. The product is a financial wellness solution that allows employees to access and receive earned wages on demand. Platform allows employees to create a profile and receive payment cards to access and avail earned wages. Application is made available for Android and iOS platforms.
- Aug 2020Series C$100M
- Oct 2018Series B$20M
- Feb 2016Series A$9.2M
- Jun 2014Series A$4.3M
#12
Series A · San Jose, California · founded 2020 · 27 employees$20Mraised▾
Cloud-based invoicing and billing solution for businesses
- Jan 2023Series A$15M
- Seed$5M
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 the United States
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 907 United States-affiliated papers.
- Film Independent54
- United States Department of Commerce26
- Community Partners22
- University of Virginia18
- International Monetary Fund12
- Financial services42
- Database transaction16
- Payment15
- Scalability12
- Credit risk11
- Financial services7→190
- Financial inclusion2→74
- Payment2→50
- Mobile payment3→29
- Leverage (statistics)1→21
- Financial services9→149
- Financial inclusion1→56
- Payment2→27
- Investment (military)1→19
- Cryptocurrency1→17
Where fintech is researched across United States
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.
Who's filing fintech patents in the United States
United States fintech patent filing is accelerating — 20 filings from 16 assignees (2016–2025), led by Mastercard International, Verifone, Financial Cloud Innovations; annual filings 1→7.
- Mastercard International20
- Verifone4
- Financial Cloud Innovations2
- Atombeam Technologies2
- Salah ALI Khalil1
- LNW Gaming1
- Kassetty Nikhil1
- DR Mariappan RAJA1
Common questions
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.