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

Investor Backing & Capital Strength: Feedback suggests the $250M Series C at a ~$1.95B valuation and rapid follow-on from prior rounds indicate strong access to capital and investor confidence.

Market Expansion: Feedback suggests Rain broadened its geographic and network footprint by expanding Visa membership into APAC and positioning to scale globally.

Product Line Growth: Feedback suggests acquisitions of Uptop and Fern added rewards and infrastructure capabilities, expanding the platform stack for cards, wallets, and payouts.

Strong Revenue Growth: Recent filings indicate double‑digit revenue growth through 2025 and into Q1 2026, with management guiding continued expansion for 2026. Broad-based increases in core network activity support the top line.

Profitability: Operating margin expanded and earnings rose in the latest quarter. Healthy cross‑border and transaction growth contributed to improved bottom‑line performance.

Diversified Revenue Streams: Value‑Added Services and Solutions grew faster than the core network and now represent a larger share of revenue. This mix shift broadens growth beyond transaction-driven fees.

Strategic Partnerships: Announcements highlight a collaboration with Jack Henry that places Moov inside community and regional banks’ SMB solutions, expanding distribution beyond direct developer channels. Additional mentions of partnerships (e.g., Visa Direct, Plaid, Currencycloud) indicate a deliberate ecosystem strategy to extend reach.

Product Line Growth: Public docs and changelogs show active 2026 shipping cadence (e.g., instant bank credits over RTP, Tap to Pay, multiple wallets, and regular API version updates) alongside a FedNow roadmap. This widening of rails coverage (ACH, cards, RTP, upcoming FedNow) suggests broader use cases and deeper product surface.

Investor Backing & Capital Strength: Funding history includes multiple institutional rounds and a later convertible note in 2025, indicating continued investor support and runway. These financings support ongoing product expansion and go‑to‑market execution.

Strong Revenue Growth: Company-reported total net revenue rose meaningfully in 2025 and year over year in early 2026, supported by a larger platform after closing Discover. Management characterized Q1 2026 as reflecting solid top-line growth with stronger pre-provision earnings.

Investor Backing & Capital Strength: Disclosures cite a robust CET1 capital ratio, active share repurchases, and rising deposits and assets post‑acquisition. These indicators suggest ample capacity to integrate, invest, and return capital while scaling.

Strong Market Position & Advantage: The Discover acquisition added a proprietary payments network and expanded card scale, positioning the company as a leading issuer by card loans. Regulatory approval removed a key uncertainty and reinforced structural growth drivers.

Profitability: Reported results show record adjusted operating income with margin expansion, and management increased full‑year adjusted profit targets. This suggests operating leverage is improving alongside growth.

Resilient & Sustainable Growth: Gross profit grew robustly and management raised both near‑term and full‑year gross‑profit outlooks. Cash App and Square delivered continued year‑over‑year gains, reinforcing an upward trajectory.

Innovation-Driven Growth: Leadership attributes momentum to AI‑driven product velocity, including new automation tools in Cash App and for sellers. These initiatives are positioned as contributors to growth and efficiency across the ecosystems.

Strong Revenue Growth: Recent quarters show revenue and GMV rising at strong double‑digit rates, with management citing a long streak of elevated GMV growth and issuing guidance that implies continued expansion.

Profitability: The latest quarter delivered positive GAAP net income and a higher operating margin year over year, supported by improving unit economics and lower average funding costs.

Product Line Growth: Direct‑to‑consumer offerings are scaling quickly, led by rapid Affirm Card adoption and rising transactions per active consumer, broadening contribution beyond traditional checkout BNPL.

Investor Backing & Capital Strength: A March 16, 2026 Series B–II extension of about $7.1M indicates continued investor support beyond the 2022 Series B. This suggests access to incremental capital to fund go‑to‑market and R&D.

Market Expansion: Repeated external recognitions (e.g., 2025 Inc. 5000; 2025–2026 Hackett Group “50 to Watch”) and active hiring across engineering, sales, and operations point to expanding footprint and visibility. Mentions of hundreds of customers and platform oversight of nearly half a billion in annualized spend further support growing scale.

Innovation-Driven Growth: Public AI product launches (e.g., “Order.co AI” and an “AI Command Center” beta) and “AI Procurement Platform of the Year” honors reflect ongoing product investment. These moves align with market demand for AI-enabled procurement capabilities.

Strong Revenue Growth: Recent results show strong year-over-year revenue increases, with momentum carrying into the latest quarter and management raising the full-year outlook.

Profitability: FY2026 marked the first full year of positive non-GAAP operating income, with management highlighting meaningful operating-margin expansion and improved unit economics.

Market Expansion: New enterprise wins, a new Boston office, and a pending acquisition in Brazil indicate ongoing geographic and customer expansion.

Resilient & Sustainable Growth: Seller GPV and gross profit increased, and management raised full‑year guidance while signaling Square’s gross profit should align more closely with GPV later in the year. Strength in mid‑market sellers and key verticals supports a steadier growth profile relative to Cash App.

Market Expansion: International performance was notably strong and management highlighted momentum outside the U.S., alongside growing traction with larger sellers. Improving field sales productivity and expanded ISO relationships are helping extend reach across geographies and segments.

Innovation-Driven Growth: Seller‑facing automation and ongoing product/pricing work are being rolled out to lift retention and attach of value‑added services. A broad cadence of product updates and ecosystem integrations provides additional levers for adoption and monetization.

Profitability: Recent quarters show rising gross profit and expanded non‑GAAP margins, with GAAP profitability achieved in late 2025 and adjusted EBITDA progressing after a solid start to 2026. Feedback suggests operating leverage is improving as the company scales.

Healthy Cash Flow: Free cash flow increased meaningfully in early 2026, and the company reports a sizable cash balance with no debt. These indicators point to improved financial flexibility to support growth and execution.

Product Line Growth: Newer offerings (e.g., Dispute Resolve, ACH risk, broader abuse coverage) are gaining adoption, with more merchants using multiple products. Partnerships and integrations are broadening distribution and reinforcing multi‑product traction.

Profitability: Cash App generated about $6.3B in gross profit in 2025 with ~21% year‑over‑year growth, and Q1 2026 gross profit rose ~38% year over year after a ~33% YoY jump in Q4 2025. Strength in lending and Cash Card contributed to these gains.

Diversified Revenue Streams: Growth is supported by multiple products—Cash App Borrow, Cash App Card, BNPL/Afterpay integrations, investing/bitcoin, and services—driving higher gross profit per active. Investor materials highlight rising gross profit per monthly transacting active and higher monetization rates through 2025–2026.

Cost & Operational Efficiency: Management paired stronger profitability with aggressive cost actions and an AI‑driven efficiency push for 2026 aimed at improving margins without adding headcount. Workforce reductions since 2024 and a lean hiring stance indicate a focus on operating leverage.

Investor Backing & Capital Strength: In November 2025 the company announced $1.6B in new financing—a $1.1B Term Loan B arranged by JPMorgan plus a ~$500M Series D led by LionTree—at around a ~$5B valuation. These large growth financings are presented as fuel for expansion and acquisitions.

Strong Market Position & Advantage: The take‑private of SP+ created the largest parking network/operator in North America, expanding operations to 4,000+ locations and extensive airport coverage. Additional acquisitions like Oosto and Premier Parking deepen capabilities and broaden distribution.

Market Expansion: Company communications indicate plans to extend its AI checkout‑free platform beyond parking into quick‑service restaurants, fueling, hospitality, and retail. Partnerships such as with Joby on U.S. vertiport sites suggest adjacent‑market expansion.

Investor Backing & Capital Strength: Recent Series A and Series B financings are cited to fund product development and scale to larger institutions, signaling runway and investor confidence.

Strong Revenue Growth: Company materials and coverage indicate revenues, client count, and monthly accounts have increased meaningfully since the 2022 Series A.

Diversified Customer Base: Named relationships span large credit unions, fintech lenders, banks, card issuers, and debt buyers, suggesting broad enterprise traction across creditor types.

Strong Revenue Growth: Leadership indicated the company was on track for about $350M on its internal contribution metric in 2024, up from roughly $140M in 2022. This points to material topline expansion even though the measure is non‑GAAP.

Product Line Growth: The company launched a standalone Payroll product and rolled out new integrations in late 2024 and early 2025, with further feature additions noted into 2026. These updates signal continued investment in expanding the platform.

Market Expansion: The customer base reached over 12,000–14,000 small businesses by 2024–2025, and operating throughput rose to hundreds of thousands of W‑2s and tens of billions in payroll processed. These indicators reflect broader penetration and utilization at scale.

Strong Revenue Growth: Public reporting describes crossing $100M in annual recurring revenue and powering over a million weekly appointments, with earlier references to “billions” in annualized transaction volume. Customer count rising from roughly 60,000 in 2023 to 100,000+ now further signals scale momentum.

Investor Backing & Capital Strength: Funding rounds including a July 2023 Series C at roughly a $510M valuation and successive up‑rounds indicate continued access to capital and investor confidence. Secondary signals referencing an implied ~$1.1B valuation suggest elevated expectations for sustained performance.

Innovation-Driven Growth: Company materials highlight ongoing launches such as AI‑driven tools and expanded team features, alongside industry analyses of millions of appointments. This cadence points to active product investment supporting upmarket motion and revenue expansion.

Market Expansion: Playground markets itself as serving 5,000+ child‑care programs and appears in current startup ecosystem materials (e.g., the 2026 GSV Cup Look Book), indicating broader visibility and reach. Recently published customer stories on the site suggest ongoing adoption across providers.

Innovation-Driven Growth: The public changelog documents regular releases through April 20, 2026, including a new dialer and AI‑suggested tasks, consistent with an actively maintained platform. References to AI‑enabled capabilities reinforce an emphasis on product innovation.

Strong Hiring & Retention: The company’s careers page lists open roles with a structured recruiting process, and Built In NYC’s profile notes continued hiring alongside revenue growth. Active recruiting supports the narrative of a scaling organization.

Strategic Partnerships: Program extensions with Uber and Lyft into mid‑2026 and new integrations with Varo Bank and Marqeta broaden distribution beyond the standalone app. These channels keep Upside’s offers in front of large driver and banking audiences, reinforcing acquisition and engagement.

Market Expansion: New launches such as the QuickChek fuel‑offer model in New Jersey, Coen Markets’ program expansion, and Gulf Oil’s network rollout signal continued geographic and retailer growth. Additional rollouts across chains and states are identified as near‑term indicators of continued scaling.

Strong Market Position & Advantage: Scale milestones like surpassing $1 billion in cumulative cash back and reaching roughly 35 million U.S. consumers indicate rising transaction volume and broad exposure. A large, multi‑category network spanning tens of thousands of fuel, c‑store, grocery, and restaurant locations supports nationwide relevance.

Strong Revenue Growth: Public filings and press releases show Squarespace growing through 2023 and into the first half of 2024, with revenue, subscriptions, run‑rate metrics and bookings all moving higher. Forward indicators like rising annual run‑rate revenue and bookings in mid‑2024 suggest momentum beyond reported GAAP revenue.

Investor Backing & Capital Strength: The company agreed to be taken private by Permira in 2024 and closed the transaction in October 2024, signaling substantial external capital support and confidence in long‑term prospects. Proceeds from portfolio actions such as the Tock sale further reinforced financial flexibility around the core platform.

Product Line Growth: Squarespace continued to announce new products and partnerships post‑take‑private and expanded its ecosystem with initiatives like native payments and integration of Google Domains customer assets. Product news and partnerships were emphasized as key public indicators of ongoing focus and cadence between formal disclosures.

Market Expansion: The company reports serving 12,000+ sellers and buyers across 30+ U.S. markets and, following acquisitions (Leaf Trade, Dama Financial), cites combined annual GMV approaching $9B across platforms. Ongoing product/data releases and entry into more adult‑use states indicate continued geographic and volume expansion.

Product Line Growth: Beyond the core marketplace, the addition of compliant banking and payments (e.g., Dama Financial, Payment on Sell‑Through) and analytics offerings (LeafLink Plus, Pricing Guide) broaden revenue opportunities and deepen platform stickiness. Regular insights and product cadence suggest sustained development and adoption.

Strong Market Position & Advantage: Company materials and trade coverage consistently position LeafLink as a national category leader processing $5B+ in annual GMV and handling a large share of U.S. wholesale cannabis commerce. Consolidation of Leaf Trade strengthens enterprise/MSO penetration and network effects.

Strong Revenue Growth: Company communications indicate multiple years of 70%+ year-over-year revenue gains, including an over-90% increase in 2024. The firm also reiterated momentum while setting a profitability goal for 2026.

Investor Backing & Capital Strength: An $80M Series E at a $1.5B valuation in June 2026 and a $200M capital raise in 2024 signal sustained investor confidence. Financing and partnership arrangements are framed as enabling scale across banking, payments, liquidity, and credit offerings.

Diversified Revenue Streams: Expansion into credit (e.g., Build Card), subscriptions (Current Max), payments/P2P, paycheck advance, and crypto indicates movement beyond interchange-only monetization. Feedback suggests these additions are intended to lift ARPU and broaden monetization levers.