Top 45 Payments Startup Investors in Finland (July 2026)

Portfolio highlights

• Disior — At Disior, we build software to measure and model tissue structures in CT- and MRI-images for better diagnosis and treatment planning.Our solutions are for clinical use. They enable fast, accurate and reproducible measuring for diagnostics and patient-specific, optimized treatment planning. Based on mathematical modelling, Disior algorithmsextract the correct shape or structure from the medical image. This way, the software is not dependent on finding familiar structures or comparing something to reference data. We combine engineering and R&D talent with medical and biotechnology professionals. Our team brings together decades of experience in creating world’s best simulation and modelling systems from smartphone R&D; clinicians and researchers in maxillofacial and orthopedics; and technology innovation and commercialization.For demo, pilots and research projects, please contact Anna-Maria Henell, CEO: +358 50 483 6433 / anna-maria (at) disior.com
• IXI — Discover adaptive glasses with autofocus lenses that adjust to your viewing needs, providing seamless clarity at any distance.
• K Line Europe — Clear Aligner solutions made in Germany for dentists, orthodontists and laboratories.

Portfolio highlights

• Donna — Meet Donna, the AI assistant built for field sales teams. Save time, cut admin, and close more deals with less effort.
• Suma Wealth — SUMA is a revolutionary financial wellness company with the mission to engage, educate, and empower the Latinx community via a holistic approach of Digital Media, Experiences, and FinTech. By creating culturally relevant content, virtual experiences, and providing financial tools that demystify and reimagine financial wellness throughentertainment, we aim to become the trusted source to help Latinos own their economic power, overcome financial challenges, and better prepare for a more prosperous future.
• Journey Live — Journey is shifting the way modern companies prioritize mental health. Our proactive, inclusive tools engage every employee, every day.

Portfolio highlights

• Gizlo — We provide a platform for businesses to connect and collaborate with mobile users around the world, gaining valuable insights and opinions, which matter more than ever.
• Enreach — ZEUS99 Situs Slot Game Resmi Perpaduan Game Demo Wild Bandito Game Online Bertemakan Koboi Barat Dengan Banyak Bonus Menarik Yang Tersedia Di PG Soft Terpercaya
• Film Finances — Discover Film Finances Inc., the global leader in film completion guarantees, ensuring on-schedule and on-budget delivery for over seven decades. Explore our services and industry expertise.

Portfolio highlights

• Cytely — Transforms microscopy from image-driven to data-driven through AI-powered autonomous targeting that captures high-resolution data of critical cellular events, enabling researchers to solve complex biological problems in minutes instead of years.
• Oplane — Oplane AB is a cybersecurity startup that develops an AI powered platform for automated threat modeling for software development teams.
• ReOrbit — Looking for a way to keep your data flowing in space? ReOrbit has you covered with our line of autonomous and inter-networking satellites!

Portfolio highlights

• BlackWall — Protect your web site from hacking, content theft, crawling, and cloning!
• Brainbase — Unified Licensing Management Software. Track and visualize brand performance, contracts, and royalties. Manage approvals, track deals, and spot contract violations.
• Flowstep — Flowstep is a copilot that helps you create better designs, 10x faster. Just type and get user flows, high-fidelity UI, JTBD and more.

Portfolio highlights

• ARAUCO — ARAUCO is a diversified global company in the forestry industry. They use world-class technologies and processes throughout the value chain. They are present in the forestry, pulp, timber, panels and renewable energy businesses.
• Volare — Refining food industry side streams into sustainable protein, oil and fertilizers.
• CHAOS — CHAOS is an urban forecasting company for real estate investors and city developers. Our AI platform processes urban data and crowd insights to forecast investment and development for creating liveable cities.

Portfolio highlights

• Mozio — Mozio is an airport ground transportation search engine. We help you travel that final mile from the airport to your final destination.Mozio originated out of founder David Litwak's travels, where he was constantly frustrated by flying into new destinations and realizing he had no clue how to actually get into the city.Mozio aggregatesall the local taxis, limos, public transit, shared-ride shuttles, airporters, rideshare etc. to help you navigate all the local options and make sure you get the best deal.We have raised a small seed round from Amidzad Partners, and a few angels, one of whom is the Chairman of the Board @ Orbitz. We are super excited to make this dream a reality!
• Liftango — At Liftango we guide global organisations on how to plan, launch and scale their shared mobility programs. Our mobility suite of services offer simulation, carpooling, on-demand bus and smart shuttle tracking services.
• MaaS Global — Whim combines all the transportation you need: Public transport, shared cars, bikes, e-scooters, taxis, and more! One app to plan, book, and pay.

Portfolio highlights

• MÖ Foods — MÖ Kaurajogu is domestic, completely herbal and above all delicious. All our products are manufactured in Central Ostrobothnia, Lohtaja.
• React & Share — High volume, high quality feedback directly from your customers. React & Share helps digital comms teams improve their websites and satisfy their customers.
• Plain Complex — VUOROX IS AN AI-POWERED ROSTER SCHEDULING APP FOR HEALTHCARE

Portfolio highlights

• MaaS Global — Whim combines all the transportation you need: Public transport, shared cars, bikes, e-scooters, taxis, and more! One app to plan, book, and pay.

Portfolio highlights

• Tremor — Tremor designs, builds & manages SmartMarkets utilize state-of-art auction technologies & optimization techniques.
• Xapix — When it comes to scaling and aggregating sellers on digital marketplaces what matters most is speed. With Xapix you automate the integration and governance processes and significantly speed up your deal execution.
• Disclosure Facts — Prevent FTC disclosure risk and ad disputes with a provable system of record for creator and influencer ad disclosures.

Portfolio highlights

• Skyfora — Skyfora delivers sub-kilometer insights, nowcasts, and probabilistic forecasts so your teams can plan with confidence, no matter the weather.
• Rotomate — Turn machine data into clear maintenance decisions, at scale. Rotomate's AI Engineer monitors every asset so your team knows what to act on.
• Raisio plc — Raisio plc develops, manufactures, and markets foods, functional food ingredients, and animal feeds in Finland, Great Britain, rest of Europe, and internationally. It operates through two segments, Brands and Raisioagro. It offers snacks and cereals products, such as oat flakes, instant porridges, and snack biscuits and drinks under the Elovenabrand name; cereal bars under the Harvest Cheweee brand; sugar puffs under the Honey Monster brand name; flakes and porridges under the Nalle brand; grain-based products under the Nordic brand.

Portfolio highlights

• Omocom — Omocom offers safe, simple and secure insurance for all kind of renting, sharing and re-using, digitally, automated and integrated into the sales flow of the platform
• AnotherblockAnotherblock AB — Anotherblock is Transforming Music into an Investable Asset Class. We Specialize in Music Investments, Music Rights, Catalog Valuations, and Royalty Management.
• Valuebeat — Grow your culture. Backed by data. Platypus is the HR and recruitment tool that measures cultural drivers of people across the organization to help you qualify decisions on hiring and managing your culture.

Portfolio highlights

• Kiln — Stake your treasury directly, or bring staking to your users through our whitelabel product.
• Usual — Usual Labs operates as a decentralized finance(DeFi) protocol.
• Token Terminal — Token Terminal gives you the tools to evaluate and track the most promising crypto projects.

Portfolio highlights

• MaaS Global — Whim combines all the transportation you need: Public transport, shared cars, bikes, e-scooters, taxis, and more! One app to plan, book, and pay.

Portfolio highlights

• MaaS Global — Whim combines all the transportation you need: Public transport, shared cars, bikes, e-scooters, taxis, and more! One app to plan, book, and pay.

Portfolio highlights

• Tonal — An entire smart gym in your home, Tonal revolutionizes fitness and strength training with patented resistance digital weight, machine learning, and expert personalization.
• SafeGraph — SafeGraph curates the highest quality and most up-to-date Places data to help organizations understand dynamically changing market trends, power informative mapping applications, and analyze consumer behavior.
• Phoenix Labs — We aspire to create timeless games shared for generations, powered by an unwavering regard for players and each other.

Portfolio highlights

• Verda (formerly DataCrunch) — DataCrunch is a cloud service provider which facilitates utilization and integration of state of the art AI/ML models
• Steady Energy — Steady Energy aims to decarbonize the energy-intensive heating industry starting with residential and district heating.
• Aspocomp Group — Aspocomp offer products, includes digital pcb, hdi pcbs, high layer count multilayer pcbs, pcbs with component cooling features for thermal management, high frequency pcbs. Thier services include QTA pcbs, design support services, logistics solutions, and working with supply services.

Portfolio highlights

• Friss — Industry's first Trust Automation platform for P&C Insurers. Our solutions help P&C insurance carriers automate trust throughout the policy lifecycle.
• ETFbook — ETFbook provides an information and analytic platform focused on exchange-traded funds (ETFs). It offers data, analytics, and insights to help users make informed decisions about fund selection, trading possibilities, and expense ratios. The platform is designed to broaden the effective use of ETFs by providing comprehensive tools and dashboardsfor analysis.
• Wealthcome — Wealthcome has created a technological ecosystem for all players involved in wealth management, private management, and personal finance management. Our objective is straightforward: to make all phases of asset monitoring, analysis, and optimization accessible, simple, enjoyable, and exact.

Portfolio highlights

• Tesseract — Tesseract is a regulated institutional digital asset management company based in Finland and supervised by FIN-FSA, providing digital asset yield-generating solutions to institutional clients.

Portfolio highlights

• BULK Trade — One Exchange Infinite Markets
• Pave Bank — The world's first multi-asset and programmable bank
• Nova Markets — Nova Markets is an on-chain capital and prediction market infrastructure project.

Portfolio highlights

• Civitatis — Worldwide activities, transfers, tickets, guided tours and excursions in English. Book online with the lowest price guaranteed.
• ObjectiveHealth — ObjectiveGI is a operator of an integrated research and technology services platform intended to improve patient outcomes through partnerships with leading physicians.The company's model seamlessly integrates gastroenterology (GI) research services into local community-based GI practices in support of patient care and practice enhancement,offering research infrastructure, optimal trial selection, study implementation and key research personnel management, thereby providing patients affected by NonAlcoholic SteatoHepatitis (NASH) with improved and better outcomes.
• Aduro Advisors — We support the success of the leading venture firms Over 600 firms & counting. We are committed to empowering our partners

Portfolio highlights

• Oze — OZÉ brings African small businesses into the digital era. It is an app that makes it easy for businesses to track sales, expenses, and customer information. The data is analyzed to provide tailored recommendations, reports, and business education. If the entrepreneur needs a little extra support, an OZÉ Coach is just a click away. As they are usingOZÉ to manage their business and learn how to run it better, we are learning about them. Using this data and machine learning, we can predict their credit risk and provide them with affordable capital from our banking partners. With over 20,000 registered users, OZÉ is the largest online community of SMEs in Ghana. The most exciting thing is that OZÉ works; 97% of businesses that have used OZE for at least 9 months are growing or profitable or both!
• Moniepoint — Moniepoint provides an all-in-one payments, banking and operations platform for businesses and their customers.
• Konnect — Konnect provides a cross borders payment solution intended to simplify complex financial flows allowing companies of any scale and size to send and receive payments in a practical, secure, and low-cost way.

Portfolio highlights

• Nervogrid — Nervogrid - Cloud Brokerage Made EasyNervogrid helps partners aggregate, integrate and customize various cloud services, and manage the interactions with multiple service providers in a simple, intuitive package. The Nervogrid Unified Cloud Brokerage solution fully automates the customer lifecycle from presales to provisioning, billing,self-care and support.
• Direct Conversion — Direct conversion photon counting X-ray detectors have many benefits in X-ray imaging. Here's an overview of our photon counting technology.

Portfolio highlights

• Meloknows — Meloknows is a mobile application that provides a marketplace for beauticians and hairdressers to provide beauty services.
• Abonesepeti — Abonesepeti is one and only subscription management platform in Turkey. While subscribers can make smart subscription decisions and easily manage their subscriptions, Service providers can easily gain incremental subscribers by using Abonesepeti’s online and offline sales platforms. Abonesepeti raised seeds round in 2017 via www.sirketortagim.comAngel Investor Ban. Up to Date; Abonesepeti generate 16x growth based on revenue and serves more than 1M subscribers.
• Bloklab Limited — Experience the future of poker in our AI-enhanced VR metaverse. Play, earn, and socialize in the most immersive blockchain gaming platform.

Portfolio highlights

• Tibber — Tibber is a digital electricity supplier that offers smart solutions to minimize their customers’ consumption and costs. Its vision is to make sustainable energy consumption simple and affordable for all households. Tibber's mission is to reduce the residential electricity consumption for European households by 20 %. Founded in Norway andSweden in 2016, the company has expanded its offer to Sweden and Germany where it powers hundreds of thousands of homes. Tibber replaces traditional utilities with smart technology, supplying its customers with renewable energy at fair and transparent prices. In addition, its app provides real-time analytics into energy usage, and pairs with a variety of smart home devices to reduce electricity consumption at home. The company sells tech-gadgets in their online store and recently was licensed to balance the main power grid in Sweden with EVs.
• Statzon — Make data-driven plans & faster decisions with a simple access to +1M datasets & market reports about 8,000 topics from +200 trusted data providers.
• Get It Done Now — GIDN is a Nigerian Fintech Company targeting medium and low income population for Loans and Financial products. GIDN has in addition a cashless, mobile based community marketplace, with more than 5k members, and aims to regulate the informal economy and facilitate the purchase of Services and Digital Products.

Portfolio highlights

• Fuzey — Fuzey is the n1 solution you need to grow your local business. Engage your leads and customers in one inbox, and sell more!
• ZirooPay — IroFit mobile card reader allows small businesses accept card payments anywhere they operate, even in areas with poor internet connection. By ensuring widest possible coverage area and effective operations, merchants increase sales and buyers are better served. We improve the overall purchasing experience for billions living in areas withpoor/no Internet connection.
• Bigger Games — Bigger Games, a dynamic mobile gaming company, is at the forefront of transforming the mobile gaming landscape. We aim for great execution and passionately work on each and every detail in our casual games to build the best experience for our players.

Portfolio highlights

• Lateral UK —
• Baobab — Protect your business against cyber attacks
• Artificial Labs — Build your future placement and underwriting strategy with Artificial's pioneering technology.

Portfolio highlights

• D3 — D3 - DNS Domains for Web3
• Share — Share XYZ is an information technology service provider
• Forta Protocol000 — Powered by the most advanced AI detection model, Forta Firewall integrates with protocols and rollups to prevent over 99% of hacks.

Portfolio highlights

• Zevoy — Simplify your corporate finance with AI receipt scanning, virtual cards, and easy approvals. Zevoy provides full oversight and control over all expenses and subscriptions.
• ZirooPay — IroFit mobile card reader allows small businesses accept card payments anywhere they operate, even in areas with poor internet connection. By ensuring widest possible coverage area and effective operations, merchants increase sales and buyers are better served. We improve the overall purchasing experience for billions living in areas withpoor/no Internet connection.

Portfolio highlights

• bonify — Bonify, a Berlin based FinTech-Start-up, enables customers to benefit from their credit scoring and financial data. The company gives customers free and easy access to their credit score and let them upload additional relevant data. Then, it offers tools and personalized recommendations to help optimize the customer’s financial situation.Foundedin 2015 by key executives of McKinsey and Zalando, bonify has received significant funding from internationally leading VCs and successful entrepreneurs.
• unique.ai — Automate personalized experiences to successfully transform your organization.
• Numa — Numa offers rooms & apartments in Europe's coolest neighbourhoods. See how simple travel can be. Sign up for exclusive discount. Book now!

Portfolio highlights

• GitHits — GitHits gives AI coding agents access to open-source code
• Agileday — Connect your business elements in one tool and manage your entire operations with Agileday. Match sales, projects, and talent together and optimize your business.
• Test of Things — Test of Things is to protect customers and society from cyber incidents by making IoT cybersecurity easy and automated. They are building a cloud service that automates security testing so customers can ship secure, compliant products with peace of mind.Their platform integrates security into the development lifecycle, enabling continuous testingthat lowers risks and costs while enhancing reputation.

Portfolio highlights

• D2X Group — Trade digital asset options and futures on the EU-regulated market infrastructure for institutions.
• Exabits AI — Exabits' network of GPUs ranges from consumer-grade to H100s, offering the most cost-effective compute because we are obsessed with innovating performance.
• MYSO Finance — MYSO is leveraging a unique DeFi lending primitive known as Zero-Liquidation Loans, enabling scalable and cost-efficient credit markets with no liquidation risk

Portfolio highlights

• Y/ELM+ — Y/ELM+ is a horseback riding safety and protection brand that focuses n creating leading-edge rider safety solutions.
• Key Ward — Accelerate your engineering projects with data intelligence. Mitigate the risk of late stage failures in your AI adoption journey with our no-code platform.
• Berget AI — Berget AI is an AI platform that focuses on inference and agentic infrastructure, enabling businesses to deploy and expand open-source LLMs.

Portfolio highlights

• Rester — Rester is a Finnish company enabling the recovery of business textiles into a new textile fibre and quality raw material.
• Betolar — Betolar is a new materials startup specialized in new geopolymer-based carbon-neutral construction materials for the construction industry and circular economy.
• Woodly Oy — Woodly® is an entirely new type of wood-based packaging material that can be used to substitute traditional fossil-based plastics. Woodly is recyclable can be made into transparent and flexible packaging, and the material mimics the best qualities of traditional plastics.

Portfolio highlights

• UnblockPay —
• Morpho Labs — Morpho is an open credit network that connects lenders and borrowers to the best possible opportunities worldwide.
• Crossover Markets Group — Crossover Markets Group, Inc is a digital asset exchange designed to meet the liquidity needs of institutional clients trading cryptocurrencies.

Portfolio highlights

• Tesseract — Tesseract is a regulated institutional digital asset management company based in Finland and supervised by FIN-FSA, providing digital asset yield-generating solutions to institutional clients.

Portfolio highlights

• Symmio — Symmio is a platform that facilitates the clearing of derivatives transactions by focusing on the specific intentions of users. It provides easy, permissionless access to both traditional and emerging assets.
• Fenix Finance — Fenix functions as a centralized trading and liquidity platform for Blast.
• TON Strategy Company — VERB Technology Company is a software-as-a-Service, or SaaS, applications platform developer. Its platform is comprised of sales enablement business software products marketed on a subscription basis. The applications are available in both mobile and desktop versions. It includes verbCRM, Customer Relationship Management application, verbLEARN,Learning Management System application, and verbLIVE, its Live Broadcast Video Webinar application.

Portfolio highlights

• MokSa.AI — mokSa.ai is an innovative technology firm specializing in AI-driven solutions, particularly in areas like retail security, culinary standards, and process optimization. They excel in creating cutting-edge tools that enhance operational efficiency, safety, and data-driven decision-making.Key offerings of mokSa.ai include sophisticated theftdetection models tailored for retail environments. These models utilize advanced AI algorithms to identify potential theft activities by analyzing behavioral patterns and movements within a store setting. The system is adept at recognizing specific actions that may indicate theft, such as unauthorized handling or movement of merchandise.In the culinary sector, mokSa.ai provides AI solutions for food safety audits in commercial kitchens. These tools monitor compliance with hygiene protocols, identifying any lapses in safety practices, such as not wearing gloves or hairnets during food preparation. The system offers real-time alerts and comprehensive data analytics to help kitchens maintain high standards of hygiene and safety.A standout feature of mokSa.ai's technology is its ethical approach to AI. While delivering high-performance solutions, they ensure the privacy and integrity of data are upheld. Their commitment to ethical AI practices positions them as a responsible and forward-thinking player in the technology sector, dedicated to leveraging AI for practical, safe, and sustainable industry solutions.
• Kidsy — Save up to 50% on open-box baby gear at Kidsy. Shop strollers, car seats & more from top brands like Graco, Doona, Owlet & Evenflo. New deals daily.
• Switchboard — Switchboard mission is to simplifies supply chain operations with fast, easy, affordable integrations, and to support modern supply chains.

Portfolio highlights

• Pockit — Open a prepaid account in 3 minutes online or in-app, get your contactless prepaid card in 2 working days with no credit check.
• Visium —
• Paypercut — Paypercut is a fintech startup that allows small and mid-scaled merchants to offer Buy Now, Pay Later at checkout via a single integration.

Portfolio highlights

• ZirooPay — IroFit mobile card reader allows small businesses accept card payments anywhere they operate, even in areas with poor internet connection. By ensuring widest possible coverage area and effective operations, merchants increase sales and buyers are better served. We improve the overall purchasing experience for billions living in areas withpoor/no Internet connection.

Portfolio highlights

• Rapidus — Rapidus is an Electronic component research, development, design, production, and sales that includes semiconductor elements and integrated circuits. Environmentally friendly, energy-saving semiconductors and semiconductor manufacturing technology are being researched and developed. Human resource development and training for the semiconductorsector.
• University of Tennessee — There's something for everyone at the University of Tennessee, Knoxville. We can't wait for you to call our campus home sweet home!
• Universidad de Guanajuato —

Portfolio highlights

• Opn — Opn provides businesses of all sizes the tools and technology to help tailor unique customer experiences and grow revenue online.
• Origami Japan — Origami is a mobile platform for cashless payments with a mission to “Create the future of money, payment and commerce”. Established in 2012, Origami Pay is now rolled out nationwide at convenience stores, international fast food chains, taxis, department stores and shops across various verticals.
• Mellow — Mellow is a food and beverage company that offers a food truck platform and event management support services.

Portfolio highlights

• PaidHR — PaidHR works with organizations to streamline how they manage their staff. Our precisely created solutions enable them to create the ideal place to work.
• Lingawa — Speak your native language with pride! Learn Yoruba and Igbo with fun, immersive online lessons for adults and kids (ages 5+).
• Definely — Definely creates legal tech solutions to free lawyers from frustration, saving them time when understanding, drafting and reviewing legal documents.

Portfolio highlights

• Bitbar — Bitbar is a technology and service company that offers mobile app and game developers with automated software build and test environments. Its portfolio of products includes Testdroid Cloud: an online service for testing applications on real Android and iOS devices; Testdroid Enterprise: an in-house software solution for managing all aspects ofautomated testing on multiple real Android and iOS devices simultaneously; Testdroid PrivateCloud: a cloud-based Devices-as-a-Service that enables companies to access pre-selected real Android and iOS devices for app development and testing; and Testdroid Recorder: a tool for recording user actions, generating reusable Android JUnit test cases, and running them in Testdroid Cloud. Its portfolio of resources includes research papers, eBooks, webinars, slides, and videos.Bitbar has customers from various industries such as gaming, utilities, technology, e-commerce, mobile and communications, social media, and lifestyle. Facebook, Rovio, Avast, Google, Mozilla, eBay, PayPal, Deutsche Telekom, Skype, Flipboard, and Pinterest are some of its customers.Bitbar is operated from Helsinki, Finland.
• ZirooPay — IroFit mobile card reader allows small businesses accept card payments anywhere they operate, even in areas with poor internet connection. By ensuring widest possible coverage area and effective operations, merchants increase sales and buyers are better served. We improve the overall purchasing experience for billions living in areas withpoor/no Internet connection.
• PEAR Health Labs — Pear Sports is a health and fitness software platform that delivers digital coaching solutions. The platform pushes the consumer experience to the next level with dynamic, interactive audio and video workouts and personalized coaching.

Portfolio highlights

• ZirooPay — IroFit mobile card reader allows small businesses accept card payments anywhere they operate, even in areas with poor internet connection. By ensuring widest possible coverage area and effective operations, merchants increase sales and buyers are better served. We improve the overall purchasing experience for billions living in areas withpoor/no Internet connection.
• Bitmama — Bitmama is the best cryptocurrency trading platform that lets you buy, sell Bitcoin, ETH, Celo, USDT, XRP, and more. Available in Nigeria & over 100 countries.
• Spleet — ProptechSpleet is an online marketplace for affordable residential rentals and rents financing in Africa. For the tenant, we simplify the rental process by providing flexible rental and payment options and eliminate bureaucracy and expediting the search process. For the landlords, we make renting quicker, safer and better by providing accurateinformation on the tenant and ensuring rental payments are made as and when due.