Top 50 Payments Startup Investors in Finland (September 2026)

Portfolio highlights

• Aavuus — Aavuus is building a global network of ground-based laser stations to detect and track space debris with high precision.
• Metaktik — Tactical Metasurface Antenna Solution for Defence. Ultralight Antennas for Satellites.
• Quanscient — Quanscient develops multiphysics simulation software utilizing quantum computing algorithms to improve simulation technology. Its Computer Aided Engineering (CAE) platform integrates a unique combination of cloud-native multiphysics solvers, advanced cloud computing, and future quantum integration. The platform also offers engineers over ahundredfold increase in simulation throughput to enable fully digital R&D processes, addressing complex technology challenges in industries like fusion energy, 6G/7G, advanced semiconductors, biomedical, automotive, and aerospace.

Portfolio highlights

• Themo — Themo's innovation is an algorithm that optimizes the price of exchange electricity and the consumption of electricity. Themo offers an easy and environmentally friendly way to save on electricity consumed by heating.
• GoalProfit — GoalProfit is the world’s first low code retail optimization platform empowering retailers to build customized intelligence applications. It was founded by former IBM executives, Maxim Morozov and Oleg Sidorkin. GoalProfit is on a mission to make big data solutions available for all retailers and help them to survive in a new post-covid reality.
• Retailgrid — Agentic AI pricing platform for mid-market retailers. Turn messy retail data into structured, explainable price decisions in days, not months.

Portfolio highlights

• Donna — Meet Donna, the AI assistant built for field sales teams. Save time, cut admin, and close more deals with less effort.
• Keebler Health — AI-Enabled Coding for Medical Billing Teams
• Neurometric AI — Making Intelligence Free | https://t.co/ZxWxeMBJt2 | https://t.co/W8nlLqYwQi

Portfolio highlights

• Moppi.com — Moppi.com is an online marketplace that connects professional cleaners with customers. The marketplace plays host to cleaners that are certified and insured by the company, and uses only approved cleaning equipment and detergents. Moppi.com was launched by Matti Tiainen in January 2015 and is operated from Helsinki, Finland.
• Hooplo Footy — The company's business area is the development and sale of online games and all other legitimate business.
• 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

• Mozio — Mozio is your go-to ground transportation platform. Seamless booking solutions for Travelers, Travel Agents and Businesses. Book with us today!
• 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

• Humanos — The Risk Network for AI https://t.co/RzfFeAgNCj
• PayPerks — PayPerks operates education and rewards solutions with our partners to improve the financial capability, financial health, and overall lives of millions of Americans.
• Monax — Monax offers a platform that leverages blockchain technology and offers a contract lifecycle management tool that permits consumers to easily procure lawyer-tested agreements and stay in full control of their business contracts as well as provides permission ledgers and smart contracts, enabling the finance, insurance, and construction sectors todevelop, customize, sell and reproduce legal products.

Portfolio highlights

• Lassie — Lassie is the first proactive and preventive pet insurance company that wants to help pet owners take better care of their pets
• UpCloud — World's fastest cloud servers with a 100% uptime SLA! Sign up for a free trial today.
• Algorithmiq — Algorithmiq utilizes its expertise in quantum information, complex systems, and computational physics to develop algorithms to develop new and effective drugs, solve problems in life sciences, and discover new materials.

Portfolio highlights

• Kiln — Stake your treasury directly, or bring staking to your users through our whitelabel product.
• Tatum — Tatum is a blockchain development platform designed to assist developers in building applications on the blockchain.The company is a platform for building blockchain infrastructure that offers developers an easy-to-use application programming interface (API), allowing them to incorporate blockchain into their products quickly and effortlessly.Tatum was established on June 4, 2018 by Jiri Kobelka and Samuel Šramko in London, England.
• Usual — Usual Labs operates as a decentralized finance(DeFi) protocol.

Portfolio highlights

• Bitbar — Whether web, native, or hybrid, securely test your app across the real environments you need. No lab maintenance required.
• 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

• 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

• Cytely — Cytely operationalizes biological measurement, turning microscopy into standardized, reproducible data so research teams can accelerate discovery.
• Oplane — Connect your repo. See and fix your vulnerabilities in minutes. AI-powered threat modeling - no consultants, no weeks of docs.
• 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

• 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.
• eMabler — EMabler is an EV charging infrastructure software company that develops an API-first platform used by businesses to operate, manage, and scale electric vehicle charging networks. It provides a centralized system for charge point management, billing, pricing, roaming, and energy optimization, allowing operators to control large networks of EVchargers from a single platform. The software connects charging hardware with business systems such as CRM, payment, and energy management tools through open APIs and a large library of integrations. The company focuses on enabling enterprises, such as energy utilities, parking operators, and retail businesses, to embed EV charging directly into their existing services and digital platforms rather than building standalone charging systems. This includes white-label solutions where charging is integrated into a company’s own app or customer experience under its brand.
• CHAOS — At CHAOS, we strive to democratize data and harness the power of AI and cutting-edge technology, delivering transformative location insights that empower decision-makers to design more liveable cities- sustainable, human-centered where the quality-of-life soars.

Portfolio highlights

• BlackWall — Protect your web site from hacking, content theft, crawling, and cloning!
• Cino — Cino automatically deducts everyone's share from their bank accounts. Create groups with whom you want to share bills, set your ratio split & stop fronting costs!
• 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

• 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

• Studio 555 — Redefining digital interior design with unrivaled technology, UX and visual fidelity
• Minit Games — Minit Games provides bite-sized, instantly playable HTML5 games in a tailored, algorithmically driven feed.
• Seven Stars — De perfecte match in IT. Die maken wij. Als IT-flex regisseur en specialist in IT-bemiddeling verbinden we professionals met de beste IT-opdrachten. Snel, soepel en zonder gedoe. We make IT spark.

Portfolio highlights

• Rens Original — RENS Original is the World's First Sneaker made from recycled coffee and plastic. We know you've been drinking it, now it is time to wear it.
• Maire — Maire - AI co-pilot for industry leading B2C E-commerce brands. From Industry Trends to Market Research and Search Intent Analysis
• Finnadvance — Finnadvance is an Organ-On-Chip company developing high throughput biological barriers on chips to mimic human biology such as vascular, lung and the Blood-Brain-Barriers for small molecule, micro-nano-formulation permeability and toxicity testing with in-vivo like dynamic cell cultures.

Portfolio highlights

• ICEYE — Gain access to timely and reliable SAR imaging from the world's leading New Space SAR satellite constellation.
• Vexlum — A #laser company providing high-power #VECSELs for #QuantumTechnology
• CurifyLabs — CurifyLabs enables 3D printed personalized medicines in pharmacies and hospitals. Always close to the patient.

Portfolio highlights

• CodeWords — CodeWords is a technology startup working on AI systems for workflow automation. Their platform CodeWords lets anyone create automations and AI workflows by chatting with AI. Agemo's technology is designed to build code-based workflows and systems that can autonomously reason through software.
• Qutwo — We unite Qutwo OS and world-class AI and quantum scientists with the most forward-looking enterprises to develop competitive edge through classical AI, hybrid, and full quantum systems. We tackle the most challenging problems in AI computing.
• Lovable — Build apps, websites, and digital products faster using Lovable's AI-powered platform, no deep coding skills required.

Portfolio highlights

• Cylerity — Transform healthcare receivables into real-time capital. Cylerity unlocks cash flow, clarity, and control from claims data. See how it works.
• Pavewise — Revolutionizing Road Construction Management Optimizing Road Construction Projects with Smart Management Tools Pavewise is a management and solution softwar ...
• Discernis — Home | Discernis AI-Native Discovery

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

• Side — Side's real estate brokerage platform empowers top-producing agents to own their own companies without the burden of operating a brokerage.
• Horizon3.ai — Horizon3.ai's mission is to help you find and fix your attack vectors before criminals exploit them. NodeZero, our automated penetration testing solution, enables organizations to continuously assess the security posture of their enterprise, including external, identity, on-prem, IoT, and cloud attack surfaces. Like APTs, ransomware, andother threat actors, our algorithms discover and fingerprint your attack surface, identifying the ways exploitable vulnerabilities, misconfigurations, harvested credentials, and dangerous product defaults can be chained together to facilitate a compromise. NodeZero is a true self-service SaaS offering that is safe to run in production and requires no persistent or credentialed agents. You will see your enterprise through the eyes of the attacker, identify your ineffective security controls, and ensure your limited resources are spent fixing problems that can actually be exploited. Founded in 2019 by industry, US Special Operations, and US National Security veterans, Horizon3.ai is headquartered in San Francisco, CA, and made in the USA.
• Chai Discovery — Building frontier artificial intelligence to predict and reprogram the interactions between biochemical molecules.

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 — Heart of your technology, official Twitter account. #PCB manufacturer and supplier with own factory in Oulu and a partner network in Europe and China.

Portfolio highlights

• Tesseract — Tesseract offers digital asset yield two ways: Dedicated Client Vaults from Tesseract Investment Oy, a MiCA-authorized CASP, and lending run by Tesseract Earn Oy.

Portfolio highlights

• Numan — Convenient care, tailored to you. Offering treatments for weight loss, diagnostics, erectile dysfunction, hair loss, and more.
• Nord Security — Nord Security is the leader in the field of online privacy and security. Our security tools have earned praise from respected experts and tech outlets.
• Steel City Interactive — Steel City Interactive develops gaming.

Portfolio highlights

• Halfdays — Halfdays is a skiwear brand for the modern woman. The company is on a mission to make the outdoors more approachable, inclusive, and fun.
• Quickture — Quickture is an AI editing tool for professional non-scripted editors that integrates with Adobe Premiere Pro and Avid Media Composer to deliver instant rough cuts and revisions.
• Kadence — Easy hybrid workplace management software supporting Desk Booking, Conference Room Booking, Visitor Management, and Workplace Events.

Portfolio highlights

• Opn — Opn provides businesses of all sizes the tools and technology to help tailor unique customer experiences and grow revenue online.
• Upshift — The convenience of owning a car without all the headaches.
• Mellow — Mellow is a food and beverage company that offers a food truck platform and event management support services.

Portfolio highlights

• Inven — Save time by using AI to find companies. Inven scans millions of websites to provide comprehensive data on companies similar to your search criteria.
• Donut Lab — Redefining Electric Mobility Across All Industries. World's First Complete Electric Vehicle (EV) Hardware Platform With Unified Software.
• The Upright Project — Upright enables smarter decision-making for investors, companies and governments by quantifying the net impact of companies.

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

• Cryptio — We offer enterprise-grade accounting, reporting, and audit software for your digital assets.
• 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

• 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

• Adfin — Adfin makes getting paid better for everyone. Our single platform gives businesses - and their accountants - the tools to get paid: faster, cheaper, easier.Our platform intelligently manages payment request workflows and payment methods so business don’t have to - giving them the time to build better businesses. Adfin's payment networkpresents payers with best-in-class experiences which reward them for paying faster. AI-driven workflows automate credit control. And everything reconciles seamlessly back to accounting software. Adfin is the best way to get paid: so good, customers love paying.
• fomo — Fomo is a cutting-edge fintech startup revolutionizing the financial landscape through innovative technology and strategic partnerships.
• Kohort — How many users will your mobile game acquire, and how much more will they pour into your virtual economy? Try Ramp to find out.

Portfolio highlights

• Lateral UK — Lateral exists solely to reinvent health and wealth goods for fit, energetic adults over the age of 60, and has no plans to stop.
• Baobab — Protect your business against cyber attacks
• Artificial Labs — Build your future placement and underwriting strategy with Artificial's pioneering technology.

Portfolio highlights

• Kontigo — We help underbanked gig workers in Latam build credit and access group financing where small groups of family or friends lend and save money together. Users can validate their income from multiple sources such as gig apps, catalog sales, and open finance (Uber, Rappi, Didi, Indriver, Avon, and all major banks). After verifying the income wedirectly offer them group savings and group loans, without leaving WhatsApp, their primary messaging app.
• Subzero Labs — Subzero Labs is developing Rialo, a developer-first Layer 1 blockchain built for internet-scale decentralized applications.
• Ceramic Network — We've joined @textileio to build the first open intelligence network for AI agents. Follow us there.

Portfolio highlights

• Gaussion — Gaussion is revolutionising batteries by utilising magneto-electrochemistry.
• unique.ai — Automate personalized experiences to successfully transform your organization.
• sherpa — AI Operating System for External Workforce Management

Portfolio highlights

• GitHits — Code context layer for coding agents. Version-aware index for agents to search, navigate, and inspect 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 — Automate IoT security testing and compliance with major standards and accelerate product development with Test of Things.

Portfolio highlights

• Rester — Rester is a Finnish company enabling the recovery of business textiles into a new textile fibre and quality raw material.
• 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.
• Nordtreat — Nordtreat is a producer of bio-based flame retardants for the global construction products industry. Nordtreat's NORFLAM® flame retardants for wood protect over 2000 buildings around the world.

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 — We help companies unlock transformative and sustainable impact through artificial intelligence; delivering enterprise AI strategy, platforms & MLOps that scale securely and drive measurable ROI.
• 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

• Rens Original — RENS Original is the World's First Sneaker made from recycled coffee and plastic. We know you've been drinking it, now it is time to wear it.
• Equally — Build engaging games for kids that encourage physical activity, personal development and exploration. Provide parents the data and oversight they need to reward positive behavior.
• Meru Health — Meru Health is an online mental health provider that helps people improve their mental health long-term by treating depression, anxiety, and burnout.

Portfolio highlights

• Rens Original — RENS Original is the World's First Sneaker made from recycled coffee and plastic. We know you've been drinking it, now it is time to wear it.
• Verto Analytics — Verto Analytics (Verto) operates a passive metering panel that provides researchers, advertisers, and publishers the data they need to keep up with the rapid and changing pace of consumer media consumption on every app, device, service, and platform. This ongoing, longitudinal panel captures a wide breadth of behaviors—all enriched to clients’behavioral analysis or custom survey studies. Our single-source, passive metering data sets provide the information needed to understand the full digital footprint of the U.S. population. Our Data Labs are located in the US, and in Helsinki, Finland. http://www.vertoanalytics.com.
• Armada Interactive — We are a Helsinki-based gaming startup that develops PvP mobile games

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.
• Pharmarun — Supporting your health goals | Largest medication inventory in Africa | Nationwide Delivery | Chat with a Pharmacist free https://t.co/8zYyaSpIY6
• Spleet — Fintech Spleet Provides Tenant verification, Rent collection solutions for landlords and rent financing (Rent now, pay later) for Tenants

Portfolio highlights

• Tesseract — Tesseract offers digital asset yield two ways: Dedicated Client Vaults from Tesseract Investment Oy, a MiCA-authorized CASP, and lending run by Tesseract Earn Oy.

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

• 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

• 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

• 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

• 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

• Makina — The DeFi Execution Engine. Community Chat: https://t.co/ngGchIz7Cm Support: https://t.co/LSN1rdjT94
• Pixels — Pixels is a play-to-earn MMO game built around the NFT assets you already own. Build your NFT a home in the metaverse and get farming.
• Lens Protocol — Lens Protocol is a composable and decentralized social graph, ready for you to build on so you can focus on creating a great experience, not scaling your users.

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

• 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

• Deedster — Accelerate your business by connecting and engaging your audience and employees with sustainability data, insights, and actions.
• 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 — We champion AI sovereignty in Europe to unlock innovation and growth