Top Fintech Companies Revolutionizing B2B Payments in the USA

“80% of businesses still rely on outdated manual processes for B2B payments, costing them $2.7 trillion annually in inefficiencies and errors,” according to recent industry reports. This statistic isn’t just surprising for finance professionals and business leaders—it’s a clear call to action.

Today, fintech innovators like Stripe, Plaid, and Brex directly address these costly inefficiencies. These companies are reshaping how businesses handle payments through seamless API integrations, real-time transaction processing, and advanced blockchain solutions. They’re not just competing with traditional institutions like Mastercard and FIS; they’re setting new benchmarks for efficiency and simplicity in business finance.

In this article, we spotlight the top fintech firms driving transformation in the U.S. B2B payments sector, highlighting how their cutting-edge approaches promise to streamline operations and significantly reduce costs.

Top 10 FinTech Innovators Redefining B2B Payments

FinTech Companies	Year Founded	Countries Served	Estimated Revenue
Candex	2011	Global	$25.2 Million
Stripe	2011	Global	$ 3.5 Billion
Plaid	2013	Global	$189 Million
Nium	2014	Global	$201 Million
Brex	2017	Global (primarily US businesses)	$ 279 Million
Nala	2017	Global (Primarily Africa)	$16.8 Million
Credit Key	2015	US	$9.5 Million
Tipalti	2010	Global	$210.1 Million
Flywire	2009	Global	$503 Million
Payoneer Inc	2005	Global	$977.7 Million

1. Candex

Candex is one of the leading FinTech companies in the B2B payments space. It is a master vendor to many large enterprises, facilitating smooth vendor payments focusing on tail spend. It uses private blockchain technology for the automation and compliance of financial records. 

Here are some key highlights:

• Candex has made it to Forbes’ list of Top 50 FinTechs for 2025.
• Recently raised investments of $45 million ( in a venture capital round) from Goldman Sachs reflect its global expansion plans in future.
• Candex doubled its transaction volume in 2024 by processing over 135,000 B2B transactions.

2. Stripe

Stripe offers a suite of FinTech tools to simplify B2B payments. For example, Stripe’s application programming interface (API) helps businesses create payment solutions tailored to their business model. Its payment infrastructure supports more than 100 payment methods globally. Your B2B transactions are safe with Stripe’s fraud management backed by machine learning. 

Here are some key highlights:

• Stripe claims that half of the Fortune 100 companies and most of the hyper-growth companies are its customers.
• In 2024, global businesses achieved an impactful milestone by processing a whopping $1.4 trillion in total payment volume on Stripe.
• Stripe has recently acquired Bridge Network (largest acquisition to date for any payment company) for $1.1 billion. This is going to give a huge push to stablecoin payments in mainstream B2B transactions and also can lead to new product developments.
• Listed as top FinTech in Forbes ‘The FinTech 50 – 2025’

3. Plaid

Plaid has its presence in 20+ countries, enabling secure real-time payments at a reduced cost. Plaid’s API platform and multi-rail solution help businesses to streamline the payment process. It offers a ‘pay-by-bank’ solution for B2B payments and recently expanded it for bill pay and recurring payments. 

Here are the key highlights:

• Plaid manages over 500 million transactions daily with seamless access to financial data.
• Expanded integration of Plaid and Dwolla is going to simplify B2B payment infrastructure with unified API. It will also boost operational efficiency by connecting over 12000 US financial institutions. 

4. Nium

Nium specializes in cross-border B2B payments, and it offers a wide array of solutions like virtual cards, real-time payments, API-based plug and play and BaaS (banking-as-a-service). It operates in 220+ countries, standing out for its efficiency and innovative solutions. 

Here are a few key highlights:

• Last year, Nium raised $50 million to expand its global B2B payment infrastructure.
• Nium’s recent launch of the Diners Club International Card sets its position strongly as a leader in the travel industry for B2B payments. 

5. Brex

Brex offers various innovative solutions for businesses to streamline their workflow, including its API-driven embedded B2B payment solutions. Brex is targeting a broader global market for the expansion of its embedded payment solutions. Move to strengthen ties with Mastercard underscores Brex’s strong vision to evolve and deliver enhanced payment solutions across the globe.

Here are the key highlights:

• Brex secured $235 million of revolving credit facility this January with Citi and TPG Angelo Gordon to enhance its corporate card offerings for B2B payments.
• Brex embedded payments have enabled B2B vendors like Coupa and Sabre to onboard their global clients in days by embedding virtual cards with 40X limits and automatic reconciliation. 

6. Nala

Nala Payments, a New York-based FinTech startup, has revolutionised how consumers in the US and European countries remit money to African countries. Its innovative platform – Nala Rafiki – enhanced B2B payments for African businesses globally. 

Here are the key highlights:

• Last year, Nala raised $40 million to enhance its B2B payment infrastructure and to expand globally to tap the potential in Latin American and Asian markets. 
• This year, it plans to raise $120 million more for its expansion plans.
• Last year, Nala more than doubled its customer base ( from 250,000 to 670,000) and also made its debut on the Forbes FinTech 50 list for 2025.

7. Credit Key

Credit Key is a leading B2B BNPL (Buy Now, Pay Later) payment solution provider for businesses that helps them improve their cash flow management. Seamless API integration, real-time underwriting, and unparalleled payment flexibility set them apart from their competitors.

Here are the key highlights:

• Credit Key has raised $115 million in debt and equity to grow its B2B BNPL solution infrastructure. This expansion is going to help small and medium-sized businesses across the globe, as Credit Key also plans to expand to the global market and different industries. 
• Credit Key’s ‘Enterprise Net Terms’ is making flexible B2B payment options accessible for all types of businesses, including government entities and non-profits. 

8. Tipalti

Tipalti, a California-based FinTech company, offers a complete suite of FinTech tools to automate accounts payable, reducing the manual workload up to 80% for businesses. Its seamless API integration and AI and ML-driven automation have transformed the B2B payment space. It facilitates payments in 196+ countries and 120+ currencies, simplifying cross-border B2B transactions. 

Here are the key highlights:

• Tipalti has claimed its first-ever spot on the list of Forbes – ‘The FinTech 50, 2025’
• In 2024, it has processed $70 billion in payments
• A few years back, it secured $30 million in funding exclusively to build R&D for innovative B2B payment solutions.
• It is also working to expand FinTech solutions in Canada with localized solutions.

9. Flywire

Flywire is one of the leading FinTech companies in the USA that offers global payment solutions to businesses. Its payment infrastructure supports transactions in various payment methods, 120+ currencies, and over 240 countries. Its API integration and A/R automation system streamline the financial workflow and enhance B2B payment solutions for businesses.

Here are the key highlights:

• This year, Flywire acquired Sertifi for $330 million to expand its travel payments business. Such a vertical-focused approach can enhance B2B payments across various sectors in future.
• Last year, it acquired Invoiced, a leading SaaS platform, which highlights its investment in innovative technologies to enhance global payment solutions tailored to the B2B sector.

10. Payoneer Inc

Payoneer is helping businesses expand their global operations through its payment solutions in over 70 currencies across 190+ countries. Its advanced security measures, API integration, and multiple payment options empower small and mid-sized businesses to boost their profitability.

Here are the key highlights:

• In 2024, Payoneer achieved a record annual transaction volume of $80 billion. B2B payments have seen a 37% rise.
• Its strategic partnership with Meezan Bank and Nequi highlights its vision to expand and simplify global payment solutions. 

Conclusion

The truly remarkable part is that these FinTech companies are not just creating a better payment infrastructure but also building the entire financial ecosystem with their user-centric approach. Consider this: Plaid’s infrastructure now powers over 500 million transactions daily. And, Brex? Brex went from being a corporate card provider to becoming an embedded payment and integrated platform for businesses. 

With the global B2B payments market expected to reach $174.38 trillion by 2030, one thing is abundantly clear: the future of B2B payments is about making the impossible possible.