Best Payments Companies in France
The 199 best Payments companies in France in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Swile.
France's Payments sector has 199 tracked companies and $1.4B in disclosed funding, and that capital is concentrated hard at the top. Spendesk alone has pulled in $304M, which dwarfs the rest of the field by a wide margin. Swan sits second at $64M, Hero at $20M, and then the numbers drop fast. Three unicorns have emerged from this cohort, which tells you the upside is real even if most filers are operating at seed or early-growth scale. The global payments market was valued at roughly $511.9B in 2022 and is forecast to reach $847.6B by 2027, a CAGR of 8.9%, driven by open banking adoption, contactless infrastructure, and blockchain-based settlement rails.
What's worth watching right now is that coverage is flat, but faster payments systems and digital banking innovations are drawing fresh attention. I'd also flag that regulatory gaps remain a structural wildcard for any company building cross-border infrastructure here. Kima Ventures and Bpifrance are the most active backers in this directory, and their presence signals institutional confidence in the French ecosystem's depth. Globally, flight disruption payment disputes are sharpening scrutiny around payment acceptance obligations, a theme that's starting to echo in European compliance circles too. If you're mapping France's payments landscape by funding momentum, this is where the disclosed data sits.
Our analysis of 150 Payments companies
$44.9b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2021.
Ranked: Best Payments companies in France
| # | Company | Disclosed funding | Last round | Stage | Employees | Founded | Web popularity | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Swile 🦄 Provider of employee benefits and expense management via a smartcard 90Customers top 12%Tech top 16%Market top 26%Moat top 26% All 12 signals ▾Customerstop 12% Techtop 16% Markettop 26% Moattop 26% Fundingtop 30% Growthtop 30% Producttop 30% Talenttop 38% Fin. healthtop 39% AItop 45% Newsbottom 39% Globalbottom 39% Customers: Play-Store rating 4.49★ across 133,560 ratings (2 apps) · Review volume +30% in 6 mo Tech: 80 technologies across 7/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 90/100 | $328M | 56 mo ago | Series D | 958 | 2016 | Top 500k | — | 1 award |
| 2 | Spendesk 🦄 Provider of software for managing corporate spending and invoice processing | $304M | 53 mo ago | Series C | 625 | 2016 | Top 1M | — | — |
| 3 | Lydia 🦄 App-based mobile payment platform for consumers | $260M | 54 mo ago | Series C | 348 | 2013 | Top 5M | — | 2 launchs |
| 4 | Mooncard Provider of card payment management and expense management solutions for businesses | $75M | 38 mo ago | Series C | 160 | 2015 | Top 500k | — | 1 internship · 1 launch · 1 award |
| 5 | Swan Provider of embedded banking platform offering accounts, cards, and payment solutions 35Tech top 23%Funding top 35%Talent top 38%Product top 49% All 9 signals ▾Techtop 23% Fundingtop 35% Talenttop 38% Producttop 49% Growthbottom 44% Globalbottom 39% Marketbottom 38% Newsbottom 37% Fin. healthbottom 14% Tech: 55 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Funding: Raised $64.3M across 4 rounds · 4 rounds over 6 yrs (0.7/yr) rank vs industry peers · Fliar Intelligence Index 35/100 | $64M | 16 mo ago | Series B | 150 | 2017 | Top 500k | — | — |
| 6 | Lemon Way Provider of modular payment solutions for marketplaces and alternative finance platforms | $39M | 80 mo ago | Series B | 120 | 2007 | Top 5M | 6 patents Patents concentrated in computing, sensing & instrumentation | — |
| 7 | Fintecture Provider of immediate and intelligent bank transfer and verified disbursement solutions | $34M | 43 mo ago | Series A | 79 | 2017 | Top 5M | — | 1 partnership · 1 award |
| 8 | Trustpair Provider of solutions for protection against payment fraud | $25M | 44 mo ago | Series B | 35 | 2017 | — | — | — |
| 9 | Upflow Provider of accounts receivable management software for finance teams | $23M | 25 mo ago | Series A | 75 | 2017 | Top 5M | — | — |
| 10 | EVINA Provider of cyber security suite services | $23M | 55 mo ago | Series A | 70 | 2014 | Top 10M | — | — |
| 11 | Aria On-demand pay for self-employed workers | $21M | 30 mo ago | Series A | 33 | 2019 | Top 10M | — | — |
| 12 | Hero Provider of professional accounts with financing for business invoice payments 55Tech top 20%Funding top 34%Growth top 35%Moat top 39% All 8 signals ▾Techtop 20% Fundingtop 34% Growthtop 35% Moattop 39% Producttop 46% Talentbottom 49% Globalbottom 39% Marketbottom 36% Tech: 43 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 Funding: Raised $19.7M across 3 rounds · 3 rounds over 4 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 55/100 | $20M | 24 mo ago | Series B | — | 2021 | Top 5M | — | — |
| 13 | Famoco NFC-enabled & hardware-based POS terminals for businesses & merchants | $17M | 76 mo ago | Series B | 102 | 2010 | Top 5M | 7 patents Secure NFC-enabled payment terminals and protected NFC tag systems for transaction processing | 1 partnership |
| 14 | SlimPay Subscription-based recurring payment solutions | $17M | 131 mo ago | Acquired | 180 | 2010 | Top 10M | — | — |
| 15 | Numeral Provider of payment technology enabling connectivity to banks and payment schemes | $15M | 53 mo ago | Acquired | 38 | 2021 | Top 10M | — | — |
| 16 | Limonetik Smart Payment Engine | $12M | 152 mo ago | Acquired | 50 | 2007 | Top 500k | 4 patents Online electronic payment processing and transaction management systems | 1 award |
| 17 | Yes It Is Online suite solutions for digital transaction management | $11M | 55 mo ago | Series A | 17 | 2015 | — | — | — |
| 18 | Care Labs Payment platforms for healthcare organizatons | $10M | 112 mo ago | Deadpooled | 20 | 2014 | — | — | — |
| 19 | Bleckwen AI-based fraud detection and prevention solutions | $10M | 83 mo ago | Series A | 22 | 2018 | — | — | 1 job opening |
| 20 | Kulipa Debit card issuance API platform for crypto wallets 35Talent top 28%Funding top 46%Moat top 48%Tech bottom 45% All 6 signals ▾Talenttop 28% Fundingtop 46% Moattop 48% Techbottom 45% Globalbottom 39% Marketbottom 36% Talent: 3 named leaders on record · 3 C-suite/founder profiles curated Funding: Raised $9.2M across 2 rounds · 2 rounds over 2 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 35/100 | $9M | 2 mo ago | Seed | — | 2023 | Top 5M | — | — |
| 21 | Smile&Pay Hardware-based POS terminals for merchants | $8M | 64 mo ago | Series A | 51 | 2014 | Top 5M | — | — |
| 22 | Yavin Provider of payment processing services | $7M | 51 mo ago | Seed | 47 | 2019 | Top 5M | — | 1 partnership |
| 23 | IDEMIA Provider of biometric and cryptographic solutions for secure transactions and identities | $7M | 54 mo ago | Funding Raised | 2,090 | 2007 | Top 1M | 2 patents Contactless smart card chips and secure document anti‑counterfeiting technologies | — |
| 24 | SiS-id Provider of solutions for securing payments and mitigating wire transfer fraud | $6M | 64 mo ago | Acquired | 39 | 2016 | Top 5M | — | 1 launch · 1 partnership |
| 25 | Trustpair AI-enabled payment fraud detection solution for businesses | $6M | 81 mo ago | Series A | 99 | 2017 | Top 5M | — | 1 partnership · 1 expansion |
| 26 | Next Generation Provider of a platform for managing fiat, stablecoins, and digital assets 19Talent top 38%Tech bottom 48%Funding bottom 45%Global bottom 34% All 5 signals ▾Talenttop 38% Techbottom 48% Fundingbottom 45% Globalbottom 34% Marketbottom 25% Talent: 2 named leaders on record · 2 C-suite/founder profiles curated Tech: 18 technologies across 5/8 capability areas · Cloud: Cloudflare rank vs industry peers · Fliar Intelligence Index 19/100 | $5M | 13 mo ago | Seed | — | 2024 | Top 50M | — | 1 partnership |
| 27 | PayinTech Wearable payment service provider | $4M | 111 mo ago | Acquired | 18 | 2013 | — | 2 patents Secure chip-based payment transaction updates in constrained network environments | — |
| 28 | PayGreen API-linked payment gateway solution for businesses | $4M | 76 mo ago | Acquired | 32 | 2012 | Top 50M | — | — |
| 29 | YMO Mobile money transfer and payment platform | $3M | 39 mo ago | Seed | — | 2019 | Top 1M | — | — |
| 30 | Lusis Payments Retail payments platform | $3M | 125 mo ago | Funding Raised | 29 | 2003 | Top 50M | — | — |
| 31 | Formance Payment processing solution for businesses | $3M | 17 mo ago | Series A | 12 | 2021 | Top 10M | — | — |
| 32 | ICARE Technologies Retailer of consumer electronics and IT products | $3M | 98 mo ago | Deadpooled | 13 | 2016 | — | 5 patents Photocatalytic odor removal for wastewater sludge and effluent air treatment | — |
| 33 | Dejamobile Provider of white-label mobile payment and ticketing solutions | $3M | 104 mo ago | Acquired | 40 | 2012 | Top 10M | 11 patents Secure mobile transaction protocols using time‑bound secret keys for NFC payments. | — |
| 34 | Vybe Digital bank for young individuals | $3M | 62 mo ago | Acquired | 14 | 2019 | Top 50M | — | — |
| 35 | BuyBox White-label solutions for digital gift cards | $2M | 160 mo ago | Seed | 43 | 2010 | Top 10M | — | — |
| 36 | YouTransactor Payment terminals provider | $2M | 117 mo ago | Seed | 19 | 2013 | — | 15 patents Anti‑tampering and cryptographic security for point‑of‑sale payment terminals | — |
| 37 | Mojovida Point of sale payment solution | $2M | 136 mo ago | Seed | 115 | 2009 | Top 50M | — | — |
| 38 | ProcessOut Provider of a platform for payment analytics and routing services | $2M | 100 mo ago | Acquired | 14 | 2014 | — | — | — |
| 39 | Numias Enable businesses to manage all payment flows involving digital assets | $2M | 45 mo ago | Seed | — | 2022 | — | — | — |
| 40 | PayCar P2P trading & payment system for used cars | $2M | 114 mo ago | Acqui-Hired | 7 | 2015 | — | — | — |
| 41 | Paytweak Payment links provider | $2M | 96 mo ago | Series A | 17 | 2015 | Top 1M | — | — |
| 42 | Qori API-enabled payments platform for merchants and businesses | $2M | 47 mo ago | Seed | 5 | 2021 | — | — | — |
| 43 | Swikly Tech-enabled escrow service | $2M | 84 mo ago | Seed | 21 | 2016 | Top 500k | — | — |
| 44 | KohortPay Checkout payment processing solution for businesses | $1M | 27 mo ago | Seed | — | 2022 | — | — | — |
| 45 | Cleavr Provider of automated cash collection and accounts receivable management platform 29Talent top 28%Funding top 48%Tech top 49%Global bottom 48% All 5 signals ▾Talenttop 28% Fundingtop 48% Techtop 49% Globalbottom 48% Marketbottom 25% Talent: 3 named leaders on record · 3 C-suite/founder profiles curated Funding: Raised $1.2M across 1 rounds · 1 rounds over 1 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 29/100 | $1M | 3 mo ago | Seed | — | 2025 | Top 50M | — | — |
| 46 | Inflow Provider of payment processing solutions with global coverage and optimized checkout | $1M | 13 mo ago | Seed | — | 2024 | Top 5M | — | — |
| 47 | ShareGroop Payment splitting solutions | $1M | 80 mo ago | Seed | 20 | 2015 | — | — | — |
| 48 | tikpay Transportation payments solution for consumers and businesses | $1M | 33 mo ago | Seed | 9 | 2010 | — | — | 1 launch · 1 partnership |
| 49 | Pay Plug Payment gateway API and analytics dashboard | $842K | 101 mo ago | Acquired | 400 | 2012 | Top 500k | — | 1 award |
| 50 | Ezio Prepaid payment card solutions for personal caregivers | $600K | 42 mo ago | Seed | 10 | 2020 | Top 5M | — | — |
Top 12 Payments companies in France
#1
Seed · Paris, Ile de France · founded 2023$9.2Mraised▾
Debit card issuance API platform for crypto wallets. It facilitates seamless blockchain payments for the finance industry.
- Apr 2026Seed$6.2M
- Jul 2024Seed$3M
- Seed—
#2
Series B · Paris, Ile de France · founded 2017 · 150 employees$64.3Mraised▾
Provider of embedded banking platform offering accounts, cards, and payment solutions. The platform enables businesses to integrate banking features into their existing products. It offers white-labeled accounts, cards, and payments. The platform provides tools for businesses to streamline payments and optimize cash flow. It supports various industries, including accounting, property management, and human resources.
- Jan 2025Series B$43.8M
- Sep 2023Series B$39.7M
- Sep 2021Series A$18.7M
- Sep 2020Series A$5.9M
#3
Seed · France · founded 2025$1.2Mraised▾
Provider of automated cash collection and accounts receivable management platform. The platform connects to enterprise resource planning systems to automate invoice collections. It offers features such as multi-channel reminders, payment reconciliation, and dispute management. The platform also provides data enrichment and risk alerts.
- Mar 2026Seed$1.2M
#4
Seed · Paris, Ile de France · founded 2024$5Mraised▾
Provider of a platform for managing fiat, stablecoins, and digital assets. The platform enables businesses to send and receive payments using fiat and digital currencies. It offers custodial wallets connected to IBANs for streamlined transactions. The platform supports cross-border transfers and stablecoin settlements.
- Apr 2025Seed$5M
#5
Series B · Paris, Ile de France · founded 2021$19.7Mraised▾
Provider of professional accounts with financing for business invoice payments. It offers account services and funding options for managing business finances. The platform allows users to finance invoices and manage payments. Eligibility for financing depends on several criteria, including open-banking data.
- Jun 2024Series B$12.2M
- Jun 2022Series A$13M
- 2022Series A$7.5M
#6
Spendesk 🦄Series C · Paris, Ile de France · founded 2016 · 625 employees$303.8Mraised▾
Provider of software for managing corporate spending and invoice processing. This platform enables organizations to monitor operational expenditures through automated approval workflows and digital payment methods. It facilitates the issuance of virtual and physical cards for employee transactions while integrating with accounting systems to reconcile financial data. The system automates invoice handling and expense claims to assist with budget tracking and financial reporting.
- Jan 2022Series C$114.1M
- Jul 2021Series C$117.8M
- Oct 2020Series B$21.3M
- Sep 2019Series B$38.6M
#7
Series A · Paris, Ile de France · founded 2021 · 12 employees$3.1Mraised▾
Payment processing solution for businesses. The company allows users to build, operate and track money movements. It also allows building a wallet, split payment system, and more.
- Dec 2024Series A$21M
- Jun 2022Seed$3.1M
#8
Swile 🦄Series D · Paris, Ile de France · founded 2016 · 958 employees$328.4Mraised▾
Provider of employee benefits and expense management via a smartcard. It offers solutions for managing employee meal vouchers, gift cards, and professional travel expenses. The company provides a mobile application for card management, budget tracking, and payment options. It also offers resources and tools for human resources and committee professionals.
- Oct 2021Series D$200M
- Jan 2020Series C$78.7M
- Jan 2019Series B$34.3M
- Apr 2018Series A$12.8M
#9
Lydia 🦄Series C · Paris, Ile de France · founded 2013 · 348 employees$259.7Mraised▾
Lydia is an app-based mobile payment platform for consumers. It supports Apple Pay, Samsung Pay, and QR code payments. Allows users to monitor bank accounts, make bank transfers, create online money pots, set recurring payments, and block payment cards. Offers P2P money transfer services and provides a universal card linked to all accounts. Offers payment receipts, spending limits, and spending categories. The app is available on both Android and IOS platforms.
- Dec 2021Series C$100M
- Dec 2020Series B$86M
- Jan 2020Series B$44.5M
- Feb 2018Series B$16.1M
#10
Series A · Paris, Ile de France · founded 2017 · 75 employees$22.9Mraised▾
Provider of accounts receivable management software for finance teams. It offers features for cash collection, payment processing, and cash application. The software provides insights into cash flow and helps streamline collection processes. It integrates with existing invoicing and accounting tools to improve cash performance.
- Apr 2024Series A$5M
- Jun 2021Series A$15M
- Mar 2020Seed$125K
- Sep 2019Seed$2.8M
#11
Seed · Paris, Ile de France · founded 2024$1.1Mraised▾
Provider of payment processing solutions with global coverage and optimized checkout. The business offers payment methods, payment links, API checkout, dynamic IBANs, and automated yield. It provides security measures, fraud prevention, and easy refunds. The company serves SaaS, e-commerce, agencies, freelancers, and marketplaces.
- Apr 2025Seed$1.1M
#12
Series C · Paris, Ile de France · founded 2015 · 160 employees$75Mraised▾
Provider of card payment management and expense management solutions for businesses. It offers solutions for business expense management, real-time reporting, accounting, business analytics, and more. It offers fuel cards, payment cards, and premium cards, for users. Its app is available for Android and iOS users.
- Apr 2023Series C$40.6M
- Sep 2021Series B$23.7M
- Jan 2019Series A$5.7M
Funding & investor landscape
Notable founders
How research on Digital Payments is moving in France
A read on the academic research around Digital Payments — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 183 France-affiliated papers.
- Centre National de la Recherche Scientifique24
- GREYC12
- Télécom Paris12
- Orange11
- École Nationale Supérieure d'Ingénieurs de Caen9
- Computer security11
- Mobile payment9
- Database transaction5
- Near field communication4
- Internet privacy4
- Mobile payment34
- Financial inclusion14
- Payment system8
- Computer security8
- Cash7
- Financial inclusion2→6
- Financial services2→4
- Payment system4→5
Where digital payments is researched across France
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 digital payments patents in France
France digital payments patent filing is steady — 83 filings from 75 assignees (2016–2025), led by Idemia France, Ingenico Group, France Telecom; annual filings 10→10.
- Idemia France29
- Ingenico Group24
- France Telecom10
- Saint Gobain8
- Thales7
- Morpho7
- Parkeon4
- Thales DIS France SAS4
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.