Top NYC, NY Payments Companies With Best Stability & Growth (256)

Profitability: Q2 2026 net income reached $3.0B with net interest margin improving to 8.01%, and management cited solid top line growth and strong credit performance. Earnings were up from $2.2B in Q1 2026 and compared to a net loss in Q2 2025.

Strong Revenue Growth: Q2 2026 total net revenue rose 27% year over year to about $15.85B and increased 4% sequentially. Full‑year 2025 total net revenue of $53.4B underscored a larger run‑rate after the Discover close.

Market Expansion: The May 18, 2025 completion of the Discover acquisition added a global payments network and materially expanded card and deposit scale. Management plans to route Capital One volume onto the Discover network in coming years, providing a structural growth lever.

Product Line Growth: Product scope is expanding across ACH (including same-day), RTP, FedNow positioning, card acquiring, and card issuing, with 2026-dated docs like “instant-bank-credit” showing recent releases. These additions indicate broader coverage and deeper ecosystem integration.

Future-Ready Strategy: Alignment with the accelerating U.S. shift to instant payments and record ACH growth positions the platform to benefit as adoption rises. The developer-first stack that unifies rails and compliance, plus FedNow/RTP enablement, supports a constructive outlook.

Strategic Partnerships: Participation as a FedNow service provider and RTP enabler, along with published FedNow terms and listed bank relationships, reflects active integration with key networks and financial institutions. Ongoing product and company updates are consistent with a business still investing and shipping.

Strong Revenue Growth: Net revenue increased at double‑digit rates in 2025 and again in Q1 2026, with guidance pointing to continued low‑teens expansion through 2026. Growth is supported by rising GDV, cross‑border volumes, and switched transactions.

Profitability: Operating income and margins expanded in 2025, and EPS rose strongly into Q1 2026, indicating healthy operating leverage. High‑yield cross‑border activity contributed meaningfully to earnings momentum.

Diversified Revenue Streams: Value‑Added Services and Solutions grew faster than the core network in 2025 and Q1 2026 and now account for roughly 40% of net revenue. This mix shift broadens revenue drivers beyond transactional volume fees and adds resilience.

Strong Revenue Growth: Disclosures indicate KUBRA generated roughly $239 million in 2025 revenue and is expected to contribute $150–154 million over the final seven months of 2026 at REPAY, implying a higher annualized run-rate. REPAY also raised its 2026 outlook upon closing the deal, reinforcing an expanding top line.

Strong Market Position & Advantage: Materials highlight reach to over 40% of U.S. and Canadian households and 250+ enterprise clients across North America, signaling substantial penetration in non-discretionary bill-pay categories. The combined platform cites approximately $130 billion in annual payment volume, placing the business among larger U.S. bill-payment providers.

Strategic Partnerships: KUBRA lists formal relationships with 50+ technology partners and channels that support distribution-led expansion and cross-sell in utilities, government, and insurance. This partner network provides go-to-market leverage for continued growth.

Investor Backing & Capital Strength: Late-stage financing—such as a $250M Series C at a $1.95B valuation with $338M+ total capital—provides substantial runway for scaling. Participation from ICONIQ and other tier-one firms signals a durable capital base to support growth through 2026.

Strategic Partnerships: Access to both Visa (including principal membership and APAC expansion) and a newly announced Mastercard relationship broadens network reach for enterprise programs. Collaborations with Western Union, Nuvei, and Episode Six further extend distribution and infrastructure depth.

Market Expansion: Geographic reach spans 100+ countries with an active push into APAC via expanded Visa membership and processing partnerships aimed at larger institutional launches. New co-branded programs and ecosystem integrations indicate continued entry into additional markets and use cases.

Product Line Growth: Product breadth is expanding with the unified Narmi One platform, new modules such as Narmi Lend, and the upcoming AI DecisionAssist slated for Q3 2026. These additions signal ongoing R&D and a roadmap that broadens use cases across lending, onboarding, and AI-enabled operations.

Market Expansion: Adoption is rising, with 11 institutions going live in Q3 2025 and 14 in Q4 2025, plus new selections carrying into 2026. Implementations span multiple cores and include full banking conversions, indicating execution capacity and pipeline conversion.

Strategic Partnerships: Routes to market are widening through moves like joining the Fiserv AppMarket and expanded arrangements with ecosystem partners. These placements can lower adoption friction for core‑tied institutions and open additional distribution channels.

Strategic Partnerships: Government and ecosystem collaborations, including statewide programs (e.g., Iowa HHS and other state-backed access initiatives), lower switching costs and widen distribution. Company materials describe these programs as meaningful adoption accelerators across multiple states.

Innovation-Driven Growth: A weekly changelog citing “865 updates in the last 12 months,” with new CRM, billing, communication, and AI features through July 2026, indicates sustained product velocity. This active shipping cadence supports scale and ongoing customer adoption.

Market Expansion: Company pages highlight 5,000+ programs and 500,000+ users and feature a July 2026 story of a multi‑site operator standardizing across 21 locations, pointing to broader adoption. External indicators like a 51–200 employee band on LinkedIn and visible hiring further suggest ongoing scaling.

Investor Backing & Capital Strength: Recent financing includes a $12M Series B closed on December 4, 2023, explicitly earmarked for expansion and product development. This fresh capital, alongside prior funding, signals resources to scale operations.

Strong Revenue Growth: Public statements since 2022 cite multi-fold increases in revenue and client count, and current materials reference “tens of millions in revenue.” Together with growing placement volumes, this indicates sustained revenue expansion.

Market Expansion: Stated plans include scaling to the largest U.S. financial institutions and expanding into earlier-stage delinquency workflows beyond post charge-off collections. The company also notes that creditors place more volume with it each year, suggesting deepening penetration.

Strong Revenue Growth: Revenue reached $702M in FY2026 and rose to roughly $220M in the quarter ended April 30, 2026, with management guiding full‑year FY2027 revenue to about $907M–$913M. Underlying activity also advanced, with Gross Booking Volume setting a quarterly record.

Healthy Cash Flow: Operating cash flow and free cash flow turned positive for the first full year in FY2026, alongside a shift to positive non‑GAAP operating income. Margin metrics improved as the company scaled core operations.

Innovation-Driven Growth: Ongoing product investment and AI launches (including the July 2026 AI/MCP announcement) and broader adoption of expense and payments are cited as growth drivers. Usage‑linked revenue is supported by higher travel booking values and rising payment volumes.

Strong Revenue Growth: Revenue surpassed $1 billion in 2023 with roughly 17% year‑over‑year growth, and guidance pointed to about 16–17% for 2024, indicating sustained momentum. Early‑2024 updates also described double‑digit quarterly increases ahead of the take‑private.

Market Expansion: Unique subscriptions reached “over 4.6 million” at year‑end 2023 (up about 10% year over year), with additional uplift expected from renewing Google Domains customers in 2024. This combination signals a widening customer footprint alongside top‑line growth.

Investor Backing & Capital Strength: A premium take‑private by Permira, completed October 17, 2024 at an enterprise value around $7.2 billion, reflects external confidence in future growth potential. The transaction underscores access to capital and sponsor support for continued scaling.

Profitability: Margins and adjusted EBITDA are improving year over year, with a recent quarter achieving GAAP profitability alongside higher gross profit. Management also indicates continued margin expansion into 2026.

Product Line Growth: Multi-product adoption is rising, and newer offerings such as ACH fraud intelligence, identity data tools, and ARIA are contributing a larger share of the business. This broadened mix complements the core Chargeback Guarantee product.

Market Expansion: New wins across regions and verticals, together with partnerships (for example, Radial, Outpayce from Amadeus, and SB Payment Service), are extending reach and pipeline. Momentum outside the U.S. and in categories like Money Transfer & Payments is specifically highlighted.

Strong Revenue Growth: Block’s Q1 2026 materials cite year-over-year growth from “Afterpay Post‑Purchase” and note that “core Afterpay” growth accelerated, indicating a rising revenue contribution. Consumer‑lending originations that include BNPL also increased sharply, reinforcing this tailwind.

Product Line Growth: Deeper BNPL integration across Cash App—Afterpay Post‑Purchase and new “Pay in 4” pre‑purchase via Cash App Card—expands use cases and distribution. Leadership also highlighted opportunities to reinvigorate core Afterpay and scale both post‑ and pre‑purchase flows.

Resilient & Sustainable Growth: During the 2025 holiday period, the vast majority of U.S. BNPL purchases were paid early or on time, supporting responsible‑use narratives. This repayment profile underpins the potential to sustain growth as Cash App integrations broaden.

Strong Revenue Growth: Revenue rose roughly 30–34% year over year across Q1–Q3 FY2026 while GMV increased 35–36%, indicating sustained top-line momentum and expanding transaction scale.

Profitability: GAAP profitability emerged with $80.7M net income in Q1 FY2026 and $88M GAAP operating income with $103M net income in Q3 FY2026, showing a clear shift from prior losses.

Product Line Growth: The Affirm Card is scaling rapidly, with 4.4M active cardholders (+130% YoY) and card GMV up about 146–159% YoY, lifting direct-to-consumer GMV by roughly 48–52%.

Investor Backing & Capital Strength: A $44M Series D at a $1.15B valuation, coupled with the corporate rebrand, signals strong capital support and confidence in broader ambitions. Fresh investment builds on prior rounds and positions the company to accelerate product and market expansion.

Strong Revenue Growth: Reported performance shows the business nearing a $200M annual revenue run rate, a sizable step-up from earlier periods such as roughly $100M in 2024. The platform also facilitates billions in annual sales, indicating meaningful operating scale.

Innovation-Driven Growth: An AI-led product push—agents and assistants layered onto scheduling, payments, and POS, plus new HIPAA-compliant offerings—demonstrates active expansion aimed at upsell, retention, and entry into adjacent service verticals. This momentum supports a strategy to broaden use cases and deepen wallet share.

Strong Revenue Growth: Leadership indicates the company was on track for about $350 million in its 2024 contribution metric, up from roughly $140 million in 2022. More recently, the CEO said the business serves about 15,000 small businesses and is on track to exceed $500 million in net revenue for the fiscal year ending May 31.

Market Expansion: The company expanded beyond its U.S. PEO core through the 2023 acquisition of Via and the launch of Employer of Record capabilities in Canada, signaling international growth. Ongoing 2025–2026 programs and press activity also point to continued investment in brand reach and customer acquisition.

Product Line Growth: New offerings such as the standalone Payroll product (launched 2023), plus added integrations and an Analytics feature in 2026, broaden the platform beyond the core PEO. These launches extend the addressable market and deepen utility for SMB customers.

Market Expansion: Geographic and category expansion is visible, including a new fuel-offer model in New Jersey with QuickChek and rollouts with The Save Mart Companies (~200 stores) and a national Wendy’s franchise footprint via Meritage. These moves indicate active entry into regulated markets and wider coverage across grocery and QSR.

Strategic Partnerships: New and expanded relationships span banks and retailers, with Varo Bank embedding Upside’s offers and fuel partners such as Gulf adding hundreds of sites. The breadth of named partners points to sustained demand from financial services and large food and fuel operators.

Strong Market Position & Advantage: A late‑2025 announcement with Gulf cited over 50,000 participating locations across all 50 states and described a network flywheel of more users creating more retailer value. Company milestones also reference a marketplace of roughly 100,000 retailers and reach to 35M+ consumers, consistent with a scaling two‑sided network.

Innovation-Driven Growth: AI-centric releases, including the “Command Center” beta announced in 2025 and ongoing promotion of Order.co AI through 2026, indicate sustained product investment and expansion. Industry watch lists and awards in 2025–2026 align with momentum tied to these new capabilities.

Investor Backing & Capital Strength: A $30M Series B at rebrand in January 2022 and additional 2026 funding activity noted by private‑market trackers suggest continuing investor support. References to fresh 2026 capital and stable private valuations point to available resources for growth.

Market Expansion: Company materials cite adoption across hundreds of customers and 6,400+ retail locations, along with claims of nearly half a billion to $1B+ in spend processed. Repeated Inc. 5000 recognition and cross‑vertical case studies signal a widening commercial footprint.

Investor Backing & Capital Strength: Fresh funding from a recent Series B round with established fintech investors provides runway for hiring and go‑to‑market expansion. This capital signal aligns with stated plans to deepen the platform and scale enterprise reach.

Product Line Growth: The company is expanding from a transaction enrichment API into a broader data and AI platform. Added workflows such as decisioning, rewards attribution, and agentic/AI capabilities suggest greater stickiness and a larger addressable market.

Strategic Partnerships: Partnerships with ecosystem leaders—including powering enriched merchant data for Stripe Issuing—and references to major fintechs/banks indicate enterprise adoption. Such relationships can amplify distribution and credibility in target segments.

Strong Revenue Growth: Gross profit rose 38% year over year in Q1 2026 to about $1.91B, and management raised the full‑year 2026 gross‑profit outlook—clear signs of accelerating top‑line monetization. Engagement metrics such as inflows per active also increased, supporting continued growth momentum.

Innovation-Driven Growth: Growth is being propelled by newer offerings like Cash App Borrow and broader Financial Solutions, with management highlighting Borrow as a key driver into 2026. The company is also leaning into AI‑driven features to sustain product velocity.

Diversified Revenue Streams: Monetization extends beyond basic P2P to card spend, BNPL/Afterpay, and lending, which are increasingly contributing to gross profit. Bitcoin remains a large share of revenue but a smaller share of gross profit, indicating improving mix quality.

Market Expansion: Geographic reach now spans 30+ U.S. markets and is described as live in 34 markets post-acquisitions, with the combined footprint supporting several billion in annual order volume. Deal reporting around the Leaf Trade acquisition cited nearly $9B in annual GMV for the combined platforms, signaling a larger footprint and throughput.

Diversified Revenue Streams: Acquiring Dama Financial’s cannabis banking division and launching payments features like Payment on Sell-Through extend monetization beyond listing and marketplace fees. This broadens the business into banking and fintech alongside commerce, data, and operational tools.

Strong Market Position & Advantage: The company is often positioned as the leading wholesale and fintech platform in U.S. cannabis, with multi‑billion‑dollar GMV and service across 30+ markets. Ongoing publication of pricing guides based on platform transactions underscores a scaled network and data advantage.