Las 109 startups que están revolucionando el sector de los pagos móviles

2015 ha sido un año excepcional para todas aquellas empresas emergentes dedicadas al ámbito de los pagos. Según los datos que maneja la firma de análisis CB Insights, las startups de este negocio habrían obtenido 3.800 millones de dólares de fondos durante el ejercicio.

La consultora, que en su día confeccionó una tabla periódica en la que se incluían tanto las startups como los inversores del segmento de pagos, ha elaborado ahora un gráfico en el que engloba a las 109 compañías privadas más destacadas en esta industria, estableciendo nueve categorías diferentes según dónde y cómo operan.

• Servicios de pago online– En primer lugar están empresas como Stripe o WePay que ayudan a los negocios a mover su procesamiento de pagos online y hacerlos más disponibles, seguros y económicos.
• Automatización y racionalización de la facturación– Zuora y Paymentus, entre otras, son servicios que agilizan la facturación y automatizan los procesos financieros.
• Pagos en los puntos de venta- La nórdica iZettle o Revel permiten pagar directamente en los comercios a través, de lectores de tarjetas, mochilas y otros dispositivos. Estas startups rivalizan con la americana Square, que domina el negocio y acaba de salir a bolsa.
• Servicios de pagos personales– Aquí se incluye a compañías como MobiKwik o Affirm que ofrecen a los consumidores las plataformas de pagos más convenientes. Hay algunos actores en este campo que se dirigen hacia ciertos nichos de mercado.
• Pagos en bitcoins- Hay unos cuantos players importantes que utilizan esta divisa digital para que los pagos sean más rápidos y seguros. En España tenemos empresas como Coinffeine.
• Pagos en ecommerce- Son startups que adaptan sus soluciones a las empresas y tienda que venden online. Klarna es una de ellas. Esta permite contar con crédito instantáneo para realizar compras en línea sin tener que proporcionar los datos de pago. Este reduce la fricción del proceso.
• Pagos con tarjetas conectadas- Firmas como Coin y Stratos están apostando por esta vía.
• Servicios de envío de dinero- TransferWise o Remitly dan soluciones digitales para el envío de dinero de un país a otro de forma rápida y barata.

• El auge de los pagos
  Startups	Inversores	Categorías
  Adyen	Felicis Ventures, Index Ventures, Iconiq Capital	Online Payment/Processing Services
  Stripe	Sequoia Capital, General Catalyst Partners, Khosla Ventures	Online Payment/Processing Services
  Dwolla	Union Square Ventures, Village Ventures	Online Payment/Processing Services
  2CheckOut	Chicago Growth Partners, Trident Capital	Online Payment/Processing Services
  GoCardless	Accel Partners, Passion Capital	Online Payment/Processing Services
  Paymill	Sunstone Capital, Holtzbrinck Ventures	Online Payment/Processing Services
  Credorax	FTV Capital, Blumberg Capital	Online Payment/Processing Services
  YapStone	Accel Partners, Meritech Capital Partners	Online Payment/Processing Services
  YeePay	TA Associates	Online Payment/Processing Services
  Omise	East Ventures	Online Payment/Processing Services
  Trustly Group	Bridgepoint	Online Payment/Processing Services
  Cheddar Up	Foundry Group, Foundry Accelerator	Online Payment/Processing Services
  Flywire	Spark Capital, Maveron	Online Payment/Processing Services
  WePay	August Capital, Highland Capital Partners	Online Payment/Processing Services
  Network Merchants	Bregal Sagemount, Goldman Sachs, TPG Capital	Online Payment/Processing Services
  Citrus Payment Solutions	Sequoia Capital India, Beenos Partners, econtext Asia	Online Payment/Processing Services
  Exchange Corporation	500 Startups, Arbor Ventures	Online Payment/Processing Services
  Zooz	lool Ventures, Rhodium	Online Payment/Processing Services
  Mobeam	yet2Ventures, Draper Athena	Online Payment/Processing Services
  Slimpay	Prime Ventures	Online Payment/Processing Services
  ToT Money	Otkritie	Online Payment/Processing Services
  Quisk	Monvia, Plug and Play Ventures	Online Payment/Processing Services
  Alpha Payments Cloud	Undisclosed Angels	Online Payment/Processing Services
  Sequent Software	Opus Capital, JADO Investments	Online Payment/Processing Services
  Razorpay Software	Y Combinator, Matrix Partners India	Online Payment/Processing Services
  Affirm	Lightspeed Venture Partners, Khosla Ventures	Personal Payment Services
  Mozido	Wellington Management, TomorrowVentures	Personal Payment Services
  ItzCash Card	Intel Capital, Matrix Partners India	Personal Payment Services
  One97 Communications	Alibaba, Intel Capital, Sapphire Ventures	Personal Payment Services
  Fastacash	Jungle Ventures, SPRING Seeds Capital	Personal Payment Services
  Openbucks	Clearstone Venture Partners	Personal Payment Services
  YellowPepper	LIV Capital, International Finance Corporation	Personal Payment Services
  SupportPay	Draper Associates, T5 Capital Partners	Personal Payment Services
  Plastiq	Flybridge Capital Partners, Accomplice	Personal Payment Services
  Obopay	Redpoint Ventures, ONSET Ventures, Richmond Management	Personal Payment Services
  Ant Financial Services	China Post Capital, National Social Security Fund	Personal Payment Services
  MobiKwik	Sequoia Capital India	Personal Payment Services
  TabbedOut	New Enterprise Associates, Trellis Partners	Personal Payment Services
  Yoyo	Imperial Innovations, Firestartr	Personal Payment Services
  Number26	Earlybird Venture Capital, Redalpine Venture Partners	Personal Payment Services
  Flypay	Entrée Capital, Time Out Group	Personal Payment Services
  TableSafe	Swiftsure Capital, Soundboard Angel Fund	Personal Payment Services
  Rev Worldwide	IA Capital Group, Omidyar Network	Personal Payment Services
  TransferWise	IA Ventures, Andreeson Horowitz	Money Transfer Services
  Remitly	TomorrowVentures, Bezos Expeditions, Trilogy Equity Partners, Founders Co-op	Money Transfer Services
  Azimo	e.ventures, Greycroft Ventures	Money Transfer Services
  Currency Cloud	Accomplice, Anthemis Group, Notion Capital	Money Transfer Services
  BitPesa	Pantera Capital	Money Transfer Services
  Boom Financial	RRE Ventures, Digicel Group	Money Transfer Services
  WorldRemit	Accel Partners, Technology Crossover Ventures	Money Transfer Services
  Circle Internet Financial	Accel Partners, General Catalyst Partners	Money Transfer Services
  Viamericas	International Finance Corporation	Money Transfer Services
  iZettle	Creandum, Index Ventures	Point of Sale Payments
  Revel Systems	DCM Ventures, Welsh Carson Anderson & Stowe	Point of Sale Payments
  Dream Payments Corp.	Blue Sky Capital, Real Ventures, Rouge River Capital	Point of Sale Payments
  Flint Mobile	Storm Ventures, True Ventures, Verizon Ventures	Point of Sale Payments
  Ezetap Mobile Solutions	Social Capital, Berggruen Holdings	Point of Sale Payments
  PayClip	Alta Ventures Mexico, ACCION	Point of Sale Payments
  Jusp	Principia, Vertis SGR	Point of Sale Payments
  SimplyTapp	Lightspeed Venture Partners, Verizon Ventures, Blue Sky Capital	Point of Sale Payments
  Payleven	B Cinque, New Enterprise Associates, Rocket Internet	Point of Sale Payments
  Mobeewave	SBT Venture Capital	Point of Sale Payments
  ShopKeep POS	Tribeca Venture Partners, TTV Capital	Point of Sale Payments
  Payzer	Grotech Ventures, Route 66 Ventures	Point of Sale Payments
  Apriva	Canaan Partners, RRE Ventures	Point of Sale Payments
  Powa Technologies	Bright Station Ventures, Wellington Management	Point of Sale Payments
  Lightspeed POS	Accel Partners, iNovia Capital	Point of Sale Payments
  CardConnect	FTV Capital	Point of Sale Payments
  SumUp Payments	b-to-v Partners, Shortcut Ventures, Tengelmann Ventures, BBVA Ventures, American Express Ventures	Point of Sale Payments
  Mswipe Technologies	Matrix Partners India, DSG Consumer Partners, Axis Bank	Point of Sale Payments
  Poynt Corp	Google Ventures, Matrix Partners, Nyca Partners, Webb Investment Network	Point of Sale Payments
  Miura Systems	Draper Espirit	Point of Sale Payments
  PayRange	Google Ventures, Matrix Partners, Nyca Partners	Point of Sale Payments
  Lavu	Aldrich Capital Partners	Point of Sale Payments
  Coiney	Credit Saison, Innovation Network Corporation of Japan	Point of Sale Payments
  Payfirma	Dundee Securities	Point of Sale Payments
  BitPay	Founders Fund, Horizons Ventures	Bitcoin Payments
  Bitstamp	Pantera Capital	Bitcoin Payments
  SnapCard	Great Oaks Venture Capital, Blockchain Capital	Bitcoin Payments
  Coinify	SEED Capital	Bitcoin Payments
  Bitnet Technologies	Highland Capital Partners, Rakuten, Webb Investment Network, Stephens Investment Management, Commerce Ventures, Buchanan Capital Management	Bitcoin Payments
  Align Commerce	Pantera Capital, Digital Currency Group	Bitcoin Payments
  Coin	SoftTech VC	Connected Card Payments
  Stratos	Toba Capital, Resonant Venture Partners	Connected Card Payments
  Swyp	TiE Angels	Connected Card Payments
  Klarna	Sequoia Capital, General Atlantic, Atomico	Ecommerce Payments
  Iyzico	SpeedInvest, 212 Capital Partners	Ecommerce Payments
  2C2P	GMO VenturePartners	Ecommerce Payments
  Splitit	Simpel Management	Ecommerce Payments
  Zebit	Correlation Ventures, Crosslink Capital, Leapfrog Ventures, Wildcat Venture Partners	Ecommerce Payments
  Zuora	Benchmark Capital, Shasta Ventures, Marc Benioff	Billing, Automation, Streamlining
  MineralTree	.406 Ventures, Fidelity Growth Partners India, First Data	Billing, Automation, Streamlining
  NVoicePay	Mosaik Partners, Silicon Valley Bank, Women’s Venture Capital Fund	Billing, Automation, Streamlining
  Traxpay	Earlybird Venture Capital	Billing, Automation, Streamlining
  Paymentus	GrowthWorks, Relay Ventures, Accel-KKR	Billing, Automation, Streamlining
  PayVeris	Axiom Venture Partners, Connecticut Innovations, David Dame, Ironwood Capital	Billing, Automation, Streamlining
  Transactis	Metamorphic Ventures, StarVest Partners,	Billing, Automation, Streamlining
  PaySimple	Susquehanna Growth Equity	Billing, Automation, Streamlining
  Fortumo	Greycroft Partners, Intel Capital	Billing, Automation, Streamlining
  MyCheck	Eli Elroy, Saban Capital Group, Stef Wertheimer, Yoav Harlap, Santander InnoVentures	Billing, Automation, Streamlining
  Danal	Morgenthaler Ventures	Billing, Automation, Streamlining
  Vindicia	DCM Ventures, Symantec	Billing, Automation, Streamlining
  Aria Systems	Hummer Winblad Venture Partners, Venrock	Billing, Automation, Streamlining
  Bill.com	DCM Ventures, August Capital, Emergence Capital Partners	Billing, Automation, Streamlining
  Boku	Khosla Ventures, Index Ventures, Benchmark Capital	Billing, Automation, Streamlining
  Judo Payments	Route 66 Ventures	Billing, Automation, Streamlining
  Tipalti	Wicklow Capital	Billing, Automation, Streamlining
  ivinci Health	Inova Health System, Intermountain Healthcare, St. Luke’s Health System	Billing, Automation, Streamlining
  NumberMall	SRI Capital	Billing, Automation, Streamlining