Best FinTech Companies in Santa Clara, United States
The 62 best FinTech companies in Santa Clara, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: PayNearMe.
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 Santa Clara
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | PayNearMe Provider of platform facilitating payment acceptance, disbursement, and management services 78Funding top 19%Innovation top 31%Market top 34%Moat top 34% All 6 signals ▾Fundingtop 19% Innovationtop 31% Markettop 34% Moattop 34% Patentstop 35% Globaltop 49% Funding: Raised $213M across 11 rounds · 11 rounds over 17 yrs (0.6/yr) Innovation: 21 patents (top 23% of patent-holders) rank vs industry peers · Fliar Intelligence Index 78/100 | $213M | 9 mo ago | 242 | 2009 | — | 20 patents Enables cash and virtual card payments via mobile, barcode, and location optimization. | 1 partnership |
| 2 | Kenna Security Provider of cloud based risk and vulnerability assessment platform | $99M | 67 mo ago | 154 | 2010 | — | — | — |
| 3 | DataVisor Provider of an AI-driven platform for fraud and financial crime prevention | $94M | 37 mo ago | 128 | 2013 | Yinglian Xie Co-Founder & CEO | 22 patents AI-driven fraud detection and malicious behavior analytics for online services | 1 internship · 1 partnership · 1 award |
| 4 | CLARA analytics Workers' Compensation claims management with predictive analytics | $64M | 28 mo ago | 46 46 → 63 (+37%) | 2016 | Heather Wilson Chief Executive Officer | 24 patents AI-driven legal analytics for attorney recommendation, provider performance scoring, and claim complexity assessment. | — |
| 5 | Ondot Systems Crd-linked marketing solutions for banks & financial institutions | $51M | 92 mo ago | 128 | 2011 | — | — | — |
| 6 | Citcon Payment gateway solutions for accepting multiple payments | $50M | 21 mo ago | 35 35 → 71 (+103%) | 2015 | Chuck Huang CTO | — | 1 launch |
| 7 | PlaySpan Payment solution provider for the game publishers and developers | $46M | 191 mo ago | 45 | 2006 | — | 27 patents Optimizing in-app digital payments, storefronts, and transaction authentication for mobile monetization. | — |
| 8 | RightRev Revenue recognition management reporting solutions for businesses | $30M | 13 mo ago | 49 | 2020 | Jagan Reddy Founder & CEO | — | — |
| 9 | Billeo Directory connecting users with billers accepting card payments for convenience | $15M | 165 mo ago | 18 | 2003 | Allwyn Lobo Cofounder | 26 patents E‑commerce UI widgets, loyalty payment integration, and AI‑driven product recommendation | — |
| 10 | Ink Protocol Decentralized reputation and payment system for peer-to-peer marketplaces | $15M | 97 mo ago | — | 2017 | Gee Chuang Co-Founder & CEO | — | — |
| 11 | Emagia AI-based order to cash management solutions for businesses | $14M | 260 mo ago | 48 | 1998 | Veena Gundavelli Founder & CEO | — | 5 launchs |
| 12 | PayEase Global payment platform providing secure, convenient payment and settlement solutions | $9M | 239 mo ago | 1,001 | 2000 | — | — | — |
| 13 | Swyp CBD products and information for pets, promoting wellness and care | $7M | 112 mo ago | 10 | 2014 | — | — | — |
| 14 | Paragraph Online platform for creating, publishing, and sharing web3-native blogs and newsletters | $7M | 25 mo ago | 2 | 2020 | — | — | — |
| 15 | Mecha Morphing Provider of NFT-based aesthetic combat strategy game | $4M | 50 mo ago | — | 2021 | Jack Pan Founder | — | — |
| 16 | Swirepay Invoice payment solutions | $3M | 15 mo ago | 26 26 → 56 (+115%) | 2019 | Adithya Murali Founder & CEO | — | 1 award |
| 17 | Flagright AI-native compliance and risk management platform for financial services organizations, providing an… | $3M | 15 mo ago | 25 | 2021 | Baran Ozkan Cams Co-Founder & CEO | — | 2 job openings |
| 18 | Sensory Provider of embeddable speech and vision technologies for consmer products | $1M | 73 mo ago | 43 43 → 48 (+12%) | 1994 | Todd Mozer Chairman & CEO | 99 patents Audio/visual privacy sanitization and adaptive voice-assistant listening control technologies. | 2 launchs · 1 partnership |
| 19 | Evercoin Decentralized crypto exchnage | $1M | 82 mo ago | 1 | 2017 | Talip Ozturk Founder & CEO | — | — |
| 20 | KarmaLaunch T-shirts pre-order crowdfunding platform. | $475K | 124 mo ago | 4 | 2014 | Darren Luvaas Co-Founder | — | — |
| 21 | Seawise Capital Trade loans for exporters | $150K | 87 mo ago | 2 | 2018 | — | — | — |
| 22 | AiPrise Provider of a platform offering customer identity verification solutions | $125K | 8 mo ago | 8 | 2022 | Rushabh Shah Co-Founder & Co-CEO | — | 1 expansion · 1 award |
Top 12 FinTech companies in Santa Clara
#1
Series E · Santa Clara, California · founded 2009 · 242 employees$213.2Mraised▾
Provider of platform facilitating payment acceptance, disbursement, and management services. The platform increases acceptance rates and drives self-service. It simplifies exceptions to lower the total cost of accepting payments. The platform offers modern and reliable payment experiences.
- Sep 2025Series E$50M
- May 2023Series D$45M
- Oct 2019Conventional Debt—
- Apr 2018Series C$19M
#2
Series A · Santa Clara, California · founded 2020 · 49 employees$29.8Mraised▾
Revenue recognition management reporting solutions for businesses. It tracks the revenue contracts, from quotes, orders, invoices, revenue recognition, and more. It offers solutions for CRM, CPQ, subscriptions, orders, billings & cash collection, revenue recognition, and more.
- May 2025Series A$13M
- Jul 2023Series A$12M
- Nov 2021Series A$5M
- Jun 2021Seed—
#3
Series C · Santa Clara, California · founded 2015 · 35 employees$49.8Mraised▾
Payment gateway solutions for accepting multiple payments. It provides solutions for QR payments, POS suite, API payments, international payments, payment integrations, and more. It also features local currency settlement, fraud protection charges for offline payments, and online payments, and more.
- Sep 2024Series C$4.8M
- Jan 2022Series C$10M
- Oct 2021Series C$30M
- Apr 2019Series B$5M
#4
Seed · Santa Clara, California · founded 2021 · 25 employees$2.9Mraised▾
AI-native compliance and risk management platform for financial services organizations, providing an automated solution for anti-money laundering (AML) and transaction monitoring. The company offers a unified compliance platform that includes real-time transaction monitoring, watchlist screening, dynamic risk scoring, case management, governance tools, and AI-powered investigation workflows to help organizations detect, investigate, and prevent suspicious financial activities.
- Mar 2025Seed$4.3M
- Jul 2022Seed$2.8M
- Mar 2022Seed$500K
#5
Seed · Santa Clara, California · founded 2019 · 26 employees$3.4Mraised▾
Swirepay provides invoice payment solutions to financial institutions and businesses. Its solution includes accounts payable and accounts receivable solutions. Its services include online/offline payment acceptance, accounts payable, money transfers, and more. It facilitates payments via credit/debit cards, bank transfers, and wallets.
- Feb 2025Seed$3.4M
- 2023Seed—
#6
Series C · Santa Clara, California · founded 2016 · 46 employees$64Mraised▾
CLARA analytics provides an AI-based workers' compensation claims management software that utilities predictive analytics. Its products include CLARA claims to mitigate escalating claim costs, CLARA providers to quickly identify the best doctor for every claim, CLARA litigation to detect potential litigation and find attorney, and more.
- Feb 2024Series C—
- Sep 2023Series C$24M
- May 2020Series B$25M
- Nov 2017Series A$11.5M
#7
Series A · Santa Clara, California · founded 2022 · 8 employees$125Kraised▾
Provider of a platform offering customer identity verification solutions. Helps in stopping fraudsters from onboarding on the platform by layering up defenses and combining forces of all the best in class identity vendors. Features they offer are detected fraud, customized workflow and predefined templates.
- Oct 2025Series A$12.5M
- 2022Seed$500K
#8
Series D · Santa Clara, California · founded 2013 · 128 employees$94.5Mraised▾
Provider of an AI-driven platform for fraud and financial crime prevention. The platform offers real-time fraud detection and compliance solutions. It uses adaptive AI agents, machine learning, and intelligent automation. The platform is designed for enterprise scale and offers protection across various industries.
- May 2023Series D—
- Dec 2022Series D$40M
- Feb 2018Series C$40M
- Nov 2016Series A—
#9
Series A · Santa Clara, California · founded 2020 · 2 employees$6.7Mraised▾
Developer of a Web3-native publishing platform designed for the intersection of the creator economy and web3 innovation. The company is transferring ownership of communities back to content creators, curators, and community builders offering an all-in-one NFT membership-based publishing and newsletter platform, helping web3 writers, DAOs, and NFT communities monetize their content and supercharge their earning power.
#10
Acquired · Santa Clara, California · founded 2010 · 154 employees$99.5Mraised▾
Provider of cloud based risk and vulnerability assessment platform. The product offers security intelligence services by contextualizing vulnerability scan data with threat intelligence. It also automates the correlation of vulnerability data, threat data, and analyzes security vulnerabilities against active internet breaches. It also provides integration to security tools such as BeyondTrust, BeyondSecurity, McAfee, TrustWave, WhiteHat Security, W3AF, Veracode, Security center, etc. The clients of the company are Verifone, SEPHORA, Genpact, TransUnion, FICO, etc.
- Nov 2020Grant (prize money)—
- Sep 2019Series D$48M
- Mar 2018Series C$25M
- Dec 2016Series B$15M
#11
Acquired · Santa Clara, California · founded 2011 · 128 employees$51.1Mraised▾
Ondot provides card-linked marketing solutions for banks & financial institutions. Its marketing solutions for fraud prevention, digital customer engagement solutions, digital & physical wallets, portfolio performance, and more. It also provides white-label wallets to businesses for facilitating digital payments via credit/debit cards or bank transfers.
- Oct 2018Series B—
- Sep 2018Series B$23.1M
- Mar 2016Series A$10M
- May 2014Series A$18M
#12
Acquired · Santa Clara, California · founded 2006 · 45 employees$46.3Mraised▾
PlaySpan is a payment solution provider for the game publishers and developers. It provides an in-game digital goods commerce and micropayment platform enabling game publishers and developers to generate revenues, to acquire new users, and extend the loyalty of existing users. Has won "OnHollywood Category Award 2009" for the best gaming company.
- Jul 2010Series C$18M
- Nov 2008Series B$16.8M
- Jul 2008Series A$5M
- Sep 2007Series A$6.5M
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.