Best Payments Companies in Spain
The 91 best Payments companies in Spain in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Cobee.
Spain's Payments sector has 91 companies tracked here, ranked by disclosed equity funding and recent momentum, and the gap between the leaders and the pack is stark. Cobee has pulled in $62M, Verse sits at $41M, and then the field drops fast, with FonYou at $8M and Orain at $4M rounding out the next tier. Total disclosed funding across all 91 companies lands at $156M, no unicorns yet, but the trajectory feels pointed. The global payments market was valued at roughly $511.9B in 2022 and is forecast to reach $847.6B by 2027 at an 8.9% CAGR, according to ResearchAndMarkets.com, and Spain's ecosystem is clearly positioning to ride that curve through open banking, payment API development, and digital banking innovation.
What's worth watching right now is how payment system integration is reshaping who builds in-house versus who buys external infrastructure. Udaan's move to build its own payment rails to cut third-party dependence signals a broader instinct I think you'll see echo across European fintechs too. Regulatory gaps remain a structural wildcard in Spain's market, keeping some capital cautious. Lanzadera, Angels Capital, and Bstartup Banco Sabadell are the most active backers shaping which companies get the runway to matter.
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 Spain
| # | Company | Disclosed funding | Last round | Stage | Employees | Founded | Founder | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Cobee Cloud-based platform for employee financial benefits | $62M | 43 mo ago | Acquired | 170 | 2018 | — | — |
| 2 | Verse Digital wallet for consumer & business payments | $41M | 84 mo ago | Acquired | 122 | 2015 | — | — |
| 3 | Lana Digital wallet for consumer payments | $12M | 70 mo ago | Series A | 65 | 2018 | Pablo Muñiz Muñiz Co-Founder & CEO | — |
| 4 | Unnax Platform offering open banking API solutions | $10M | 65 mo ago | Acquired | 68 | 2015 | — | 1 expansion |
| 5 | FonYou Cloud-based platform providing mobile user data analytics solutions to telecom operators | $8M | 54 mo ago | Series A | 98 | 2009 | Clemens Rossberg Co-founder & board member | — |
| 6 | TORO Provider of super-app enabler for businesses | $4M | 73 mo ago | Series A | 32 | 2008 | Laurent Renard Co-founder & CEO | — |
| 7 | Orain Provider of payment systems and management solutions for unattended retail | $4M | 36 mo ago | Series A | 36 | 2016 | — | 1 job opening · 1 partnership · 1 expansion |
| 8 | Card Dynamics Token-based payment card security solutions | $3M | 63 mo ago | Series A | 12 | 2018 | Maria Gonzalo Co-CEO | — |
| 9 | Mitto Teen cards | $3M | 69 mo ago | Deadpooled | 24 | 2019 | Angel Garcia Co-Founder | — |
| 10 | OKTICKET Provider of automated software for managing professional travel and expense reports | $3M | 41 mo ago | Seed | 66 | 2017 | Eduardo Faes Co-Founder | — |
| 11 | Check Provider of a QR code-based payment solutions | $2M | 26 mo ago | Seed | — | 2022 | Inaki De La Fuente Gaztanaga CEO & Co-founder | — |
| 12 | PayTouch Fingerprint based payment solutions | $1M | 150 mo ago | Deadpooled | — | 2009 | Javier Peso Co-Founder & CEO | — |
| 13 | Bcount Provider of accounting, tax, and labor automation platform for businesses | $1M | 3 mo ago | Seed | — | 2024 | Ronald Ubago Co-Founder & CMO | — |
| 14 | Uelz Automated payment collection platform for businesses | $844K | 31 mo ago | Seed | 15 | 2022 | — | — |
| 15 | Pibisi AI and analytics based anti-money laudnering solution | $336K | 70 mo ago | Seed | 6 | 2018 | Alejandro Caneda Founder & CEO | — |
| 16 | MONEI Payment orchestration solutions for merchants & businesses | $267K | 39 mo ago | Funding Raised | 14 | 2015 | — | 2 awards |
| 17 | Fazil Digital wallet for consumer payments | $221K | 37 mo ago | Series A | 11 | 2018 | Elbio Nielsen Co-Founder | — |
| 18 | GetSetPay Facilitating payments for on mobile | $137K | 148 mo ago | Deadpooled | 11 | 2012 | Xoan Gonzalez Diaz Founder | — |
| 19 | Heyplease Card-linked mobile wallet offering payments in restaurants | $134K | 102 mo ago | Acqui-Hired | — | 2013 | Jorge Bodas Lobato Co- Founder & CTO | — |
Top 12 Payments companies in Spain
#1
Seed · Alicante, Alicante · founded 2024$1.2Mraised▾
Provider of accounting, tax, and labor automation platform for businesses. The platform offers business incorporation, document management, tax filing, and payroll processing. It integrates with banking services, providing insights into treasury, reconciliation, and invoicing. The platform also offers customer support through expert advisors.
- Mar 2026Seed$1.2M
#2
Acquired · Madrid, Community of Madrid · founded 2018 · 170 employees$61.5Mraised▾
Cloud-based platform for employee financial benefits. It enables employees to manage their expenses for meals, transportation, daycare, training, health insurance, prepaid card and more. It offers customized benefits plans and automated payroll management. It is available on the Google Play Store and Apple App Store.
- Nov 2022Series B$41M
- Jul 2021Series A$16.5M
- Feb 2020Seed$2.3M
- Apr 2019Seed$422.5K
#3
Acquired · Barcelona, Catalonia · founded 2015 · 122 employees$41.2Mraised▾
Verse provides a digital wallet for consumer & business payments. It offers a group payment platform and payment cards to the user. It enables users to share common expenses and split the bills for parties, fuel, events, dinner,s and make P2P payments. Also offers a VISA-based Verse card which can be used for day-to-day and travel expenses. For businesses, it offers an API to order and receive payments and process refunds.
- Jun 2019Series B$7.8M
- Aug 2018Series B$980K
- May 2017Series B$20.5M
- May 2017Series B$20.5M
#4
Seed · Tenerife, Canary Islands · founded 2022$1.5Mraised▾
Provider of a QR code-based payment solutions for business. It offers QR code solutions for ordering and paying in the restaurant industry. Users can pay using the bank account by scanning a QR code.
- Apr 2024Seed$677.7K
#5
Series A · Barcelona, Catalonia · founded 2016 · 36 employees$3.6Mraised▾
Provider of payment systems and management solutions for unattended retail. It offers hardware and software for businesses needing payment and operational oversight. The company provides payment terminals, mobile applications, and management dashboards. These products facilitate various payment methods, incident resolution, and business analysis.
- May 2023Series A$3.2M
- Dec 2017Seed$353K
#6
Series A · Barcelona, Catalonia · founded 2009 · 98 employees$7.9Mraised▾
Cloud-based platform providing mobile user data analytics solutions to telecom operators. Its solutions enable them to capture events with information on their status, including low credit calling and browsing, bundle expirations, and top-ups.
- Dec 2021Series A$7.9M
- Sep 2019Grant (prize money)$54.7K
- Jun 2019Grant (prize money)$56K
#7
Acquired · Barcelona, Catalonia · founded 2015 · 68 employees$10.4Mraised▾
Platform offering open banking API solutions. It enables banks to facilitate services such as money movements including recurring payments, account management including bank connect and reader, and onboarding including KYC and AML, and more.
- Jan 2021Series A$8.5M
- Oct 2017Series A$1.8M
#8
Series A · Madrid, Community of Madrid · founded 2018 · 65 employees$12.5Mraised▾
Digital wallet for consumer payments. It offers services such as mobile recharges, parking payments, money transfers, and online/offline purchases. It can be accessed through browsers.
- Aug 2020Series A$12.5M
#9
Seed · Gijon, Asturias · founded 2017 · 66 employees$2.8Mraised▾
Provider of automated software for managing professional travel and expense reports. The software offers features such as real-time data capture, customized logic, multiple payment method options, and bank reconciliation. It provides integrations with ERP, HR, and business intelligence systems. The software aims to streamline expense management, offering digital record-keeping and control over spending.
- Jan 2023Seed$1.9M
- Apr 2021Seed$845.4K
#10
Seed · Valencia, Valencian Community · founded 2022 · 15 employees$843.8Kraised▾
Automated payment collection platform for businesses. It offers solutions for subscription management, checkout management, business metrics, payment management, and more.
- Oct 2023Seed$843.8K
#11
Series A · Barcelona, Catalonia · founded 2008 · 32 employees$4Mraised▾
Provider of a super-app enabler for businesses. It's a PaaS (Platform-as-a-Service) that powers super-apps. Its core technology combines SSO (single-sign-on) to buy or subscribe service or product, without having to reintroduce credentials or payment methods, Mini-program system(MPS) to assemble and maintain the number of shops inside the app, Unified Payments with one-click payment with all payments integrated, and business intelligence allows application owners to gain insights of the customer, sales, and marketing.
- May 2020Conventional Debt$544.9K
- 2019Series A$2.9M
- Oct 2017Grant (prize money)$2.2M
- Nov 2015Grant (prize money)$2.1M
#12
Series A · Las Rozas de Madrid, Community of Madrid · founded 2018 · 12 employees$3Mraised▾
Card Dynamics provides token-based payment card security solutions to businesses. It connects with the merchant's payment service providers (PSP) for card-on-file transactions.
- Feb 2021Series A$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 Spain
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 134 Spain-affiliated papers.
- Universidad de Granada30
- Universidad de Murcia11
- Universitat Oberta de Catalunya7
- Ministry of Health7
- Universidad Politécnica de Madrid7
- Mobile payment8
- Computer security4
- Biometrics3
- Payment system3
- Transaction cost2
- Mobile payment21
- Payment system12
- Computer security9
- Technology acceptance model4
- Context (archaeology)4
- Mobile payment3→10
Where digital payments is researched across Spain
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.