Best Payments Companies in North Carolina, United States
The 43 best Payments companies in North Carolina, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: AccessOne.
Our analysis of 50 Payments companies
$20.7b in tracked funding; 100% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best Payments companies in North Carolina
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | AccessOne Patient financing solutions, offering online access and payment options | $150M | 98 mo ago | 220 | Russell Salton Founder | JavaWindows ServerMicrosoft ASP.NET+19 | Top 500k | — |
| 2 | Spreedly Provider of a platform for orchestrating global payment gateway integrations | $83M | 81 mo ago | 127 127 → 153 (+20%) | — | WebflowApple iCloud MailAmazon Web Services+36 | Top 5M | — |
| 3 | n3xt Provider of instant payment and settlement services for business-to-business transactions 22Funding top 29%Talent bottom 49%Tech bottom 40%Market bottom 31% All 5 signals ▾Fundingtop 29% Talentbottom 49% Techbottom 40% Marketbottom 31% Globalbottom 25% Funding: Raised $72.8M across 3 rounds · 3 rounds over 3 yrs (1.0/yr) Talent: 1 named leader on record · 1 C-suite/founder profile curated rank vs industry peers · Fliar Intelligence Index 22/100 | $73M | 10 mo ago | — | Jeffrey Wallis Chief Executive Officer | WebflowGSAPEmotion+10 | Top 10M | — |
| 4 | Health Credit Services Platform that offers patient financing options | $60M | 110 mo ago | 85 | Clark Burget Co-Founder | — | — | — |
| 5 | Payzer Provider of SaaS-based payment solutions for businesses | $48M | 62 mo ago | 53 53 → 85 (+60%) | Joe Giardano Co-Founder & CEO | WordPressSentryApple iCloud Mail+37 | Top 500k | — |
| 6 | PatientPay Provider of payment solutions for healthcare organizations and their patients | $31M | 58 mo ago | 22 | Tom Furr Founder & CEO | Cart FunctionalitySquarespace CommerceSquarespace+18 | Top 10M | 1 partnership |
| 7 | FIS Memento Analytics and machine learning based financial fraud detection & prevention solutions | $28M | 187 mo ago | 40 | — | — | — | — |
| 8 | Aiwyn Provider of platform for accounting firms offering payments, practice, experience, tax | $14M | 20 mo ago | 43 | Chris Furlong Cofounder | WordPressMySQLPHP+30 | Top 5M | — |
| 9 | Finzly Provider of software solutions for the banking industry | $10M | 34 mo ago | 120 | Booshan Rengachari Founder & CEO | WordPressApple iCloud MailMicrosoft 365+28 | Top 5M | — |
| 10 | FlowPay Payment solution for charitable giving market. | $4M | 150 mo ago | 1 | Wayne Steiger Founder | — | — | — |
| 11 | Threat Mark Provider of a platform for fraud prevention and digital threat detection | $3M | 19 mo ago | 20 | Michal Tresner CEO & Co-Founder | WordPressMySQLPHP+19 | Top 10M | — |
| 12 | Paymints.io Cloud-based fund transfer solutions for real estate transactions | $3M | 45 mo ago | 15 | Amit Doshi Co-Founder & COO | WordPressMySQLPHP+29 | Top 10M | — |
| 13 | XUP Payments Online payment platform for businesses | $3M | 65 mo ago | 23 | Kyle Bridges Co-Founder & Head Of Engineering | — | — | — |
| 14 | Passport Parking App-based solution pay for parking spaces | $2M | 155 mo ago | 236 | — | — | — | — |
| 15 | Simply Easier Payments Payment solutions for insurance companies | $1M | 192 mo ago | 14 | Duke Williams Founder | WordPressMySQLPHP+19 | Top 10M | — |
| 16 | Swypeless App-based platform offering contactless payment solutions for businesses | $359K | 76 mo ago | — | Patrick Collison Co-Founder & CEO | — | — | — |
| 17 | PowerCard Restaurant loyalty, CRM, gift, and payment solutions provider | $340K | 174 mo ago | — | Kermit Austin Founder & CEO | — | — | — |
| 18 | RediPay Provider of employee benefit services | $300K | 106 mo ago | 3 | Mark Gulley Founder and CEO | — | — | — |
Top 12 Payments companies in North Carolina
#1
Series A · Charlotte, North Carolina · founded 2023$72.8Mraised▾
Provider of instant payment and settlement services for business-to-business transactions. It facilitates real-time movement of funds within a secure environment. The platform operates within a regulated banking framework, holding deposits in cash and liquid government instruments. It offers transparent fees and seamless API integration for efficient payment processing.
- Oct 2025Series A$26M
- Feb 2025Series A$40.3M
- Nov 2023Seed$6.5M
#2
Series A · Charlotte, North Carolina · founded 2020 · 43 employees$14Mraised▾
Provider of platform for accounting firms offering payments, practice, experience, tax. The platform provides payments automation, practice management software, client experience portal, and tax system. It offers integrations to connect with accounting firm technology. The platform aims to streamline work and create firm-wide visibility.
- Dec 2024Series A$113M
- Jul 2021Seed$14M
#3
Series A · Charlotte, North Carolina · founded 2015 · 20 employees$3Mraised▾
Provider of a platform for fraud prevention and digital threat detection. The platform combines transaction risk analysis, threat detection, and user behavior profiling capabilities. It helps to mitigate scams, phishing, and unauthorized access. The platform interrupts fraud operations across all stages of the attack.
- Jan 2025Series A$23M
- Dec 2023Series A$5M
- Oct 2021Series A$3M
- Jun 2017Seed—
#4
Series A · Charlotte, North Carolina · founded 2012 · 120 employees$10Mraised▾
Provider of software solutions for the banking industry. It provides users with a platform that offers core banking solution that includes payment hub, lending system, account opening system, and open banking system. It offers an online banking solution for consumer and commercial banking. Also offers an international banking solution that includes a trade finance system and foreign exchange system.
- Oct 2023Series A$10M
#5
Acquired · Charlotte, North Carolina · founded 2012 · 53 employees$48.3Mraised▾
Provider of SaaS-based payment solutions for businesses. It offers various financial tools to help contractors grow their businesses. It offers a mobile and cloud-based platform that allows businesses to accept credit cards, and debit cards at the point of sale. It allows companies to offer debit purchasing cards to their employees and subcontractors and transfer money to their cards directly, tracking company purchases.
- Jun 2021Series D$23M
- Nov 2018Series C$9.2M
- Jun 2018Series B$7.7M
- Sep 2016Series B$4.2M
#6
Acquired · Durham, North Carolina · founded 2007 · 127 employees$82.8Mraised▾
Provider of a platform for orchestrating global payment gateway integrations. The platform offers tools for secure data vaulting, payment stack management, and fraud prevention. It provides visibility and reporting across multiple payment connections. The platform helps businesses optimize transaction performance and improve reliability.
- Nov 2019Series C$75M
- Feb 2016Series A$3M
- Oct 2015Series A$2.5M
- Jan 2015Seed$899.7K
#7
Series C · Durham, North Carolina · founded 2008 · 22 employees$30.8Mraised▾
Provider of payment solutions for healthcare organizations and their patients. The platform offers digital payment options, including payment plans and digital wallets. It delivers statements through text, email, and mail. The platform is designed to meet the operational needs of hospitals, practices, and revenue cycle management teams.
- Oct 2021Series C$12.2M
- Mar 2020Series B$6.2M
- Dec 2017Series A$6M
- May 2014Series A$2.5M
#8
Funding Raised · Charlotte, North Carolina · founded 2010 · 220 employees$150Mraised▾
Patient financing solutions, offering online access and payment options. The company provides a patient portal for convenient account management. It facilitates online access for users to sign in, pay as a guest, and activate their accounts. The platform offers options for provider login and cardholder login, indicating a multi-faceted approach to payment processing. The business model appears to be B2C, focusing on providing financial solutions directly to patients. The online portal suggests a tech-enabled service, potentially involving software or a SaaS element for managing patient accounts and payments. The company emphasizes accessibility and ease of use through its online platform.
- May 2018Conventional Debt$150M
#9
Acquired · Charlotte, North Carolina · founded 2015 · 85 employees$60Mraised▾
Platform that offers patient financing options. Offers a platform for practices to enable patients to pay for medical procedure costs on fixed monthly payments at affordable interest rates. The platform offers financial support across multiple specialties including dental, fertility, bariatric, Lasik, Cosmetic, and others.
- 2017Seed—
- Jun 2017PE—
- Feb 2017Conventional Debt$60M
#10
Acqui-Hired · Concord, North Carolina · founded 2002 · 40 employees$27.5Mraised▾
Memento provides enterprise fraud monitoring and detection solutions. Product Memento Security employs machine learning based analytics to detect existing or potential frauds. Solution leverages cache of data like transactions, reference data and extensive catalog of fraud scenarios to investigate fraud and inappropriate activities by a wide range of fraudsters, from trusted insiders to criminal outsiders. Company was acquired by FIS Products are currently offered as FIS Memento which includes Employee Fraud, Check Fraud, Deposit fraud, ACH (Automated clearing house) fraud and wire fraud. Received award for Best Security Solution at the MITX Technology Awards, 2007.
- Jan 2011Series D$5M
- Oct 2010Conventional Debt$2M
- Nov 2008Series D$10M
- Apr 2007Series B$7.5M
#11
Acquired · Charlotte, North Carolina · founded 2020 · 15 employees$3Mraised▾
Cloud-based fund transfer solutions for real estate transactions. It features a solution for money transfers, ACH payments, and more. Its white-labeled digital platform allows real estate businesses to accept electronic money transfers from clients through a company’s escrow account. Its pricing is available on a monthly subscription plan.
- Nov 2022Seed$3M
#12
Acquired · Charlotte, North Carolina · founded 2019 · 23 employees$3Mraised▾
Online payment platform for businesses. It facilitates payment processing solutions by connecting financial services, processors, merchants, and customers. It features solution enrollment, boarding, processing, sales leads & conversion, chargeback & dispute management, and others. Serves multiple industry segments including healthcare, banking, logistics markets, integrated software vendors, etc.
- Mar 2021Seed$3M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Payments coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Digital Payments is moving in the United States
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 1,534 United States-affiliated papers.
- Film Independent35
- Community Partners26
- Tufts University24
- Federal Reserve22
- University of Washington21
- Payment system4→23
- Mobile payment18→28
- Payment service provider5→14
- Financial services1→8
- Financial transaction1→8
- Mobile payment62→120
- Financial inclusion10→54
- Payment service provider4→41
- Financial services10→45
- Database transaction9→34
- Financial inclusion23→46
- Financial services23→38
- Cryptocurrency8→19
- Transparency (behavior)1→11
- Database transaction11→20
Where digital payments 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 digital payments patents in the United States
United States digital payments patent filing is cooling — 1,412 filings from 1,167 assignees (2016–2025), led by Mastercard International, VISA INT Service ASS, Paypal; annual filings 189→106.
- Mastercard International310
- VISA INT Service ASS111
- Paypal81
- VISA USA63
- Intuit45
- EBAY45
- BANK Of America44
- IBM44
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.