Top 40 Payments VC Funds & Investors in Finland (June 2026)

Portfolio highlights

• 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.
• LiveMusicStage — We're a live music venue online. We let you to actually take part in the shows and interact with the bands while they're playing. You're always in the front row
• 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.

Portfolio highlights

• Yaak Technologies ApS — Safety in urban self-driving is currently an afterthought. At Yaak, we distill safety from driving experts for the next generation of human and autonomous driving.
• IXI — Discover adaptive glasses with autofocus lenses that adjust to your viewing needs, providing seamless clarity at any distance.
• Quanscient — We are building next generation simulation software-as-a-service utilizing Quantum computing algorithms. Our specialty domain of simulations is Computational Electromagnetics.

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

• Tremor — Tremor designs, builds & manages SmartMarkets utilize state-of-art auction technologies & optimization techniques.
• TrueLayer — We power faster and safer online payments with our open banking payments network. Onboard users, accept payments & make payouts in seconds. Learn more today.
• Maxwell Financial Labs — Hi, we're Maxwell. We’re on a mission to revolutionize the $8.5T residential mortgage market by reimagining how mortgage lenders collaborate with homebuyers and real estate agents to buy a home. We connect our hundreds of lenders onto one seamless, intuitively-designed platform, so the focus isn’t the paperwork, it’s the place to call home.Today, hundreds of lenders across the United States use Maxwell’s digital mortgage platform to originate billions in mortgage loans each month at a cycle time 45 percent faster than the national average.

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

• 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

• Secfense — Secfense User Access Security Broker is a network traffic broker that learns the traffic patterns related to authentication and builds an additional security layer between users and their applications.Secfense broker is not a 2FA method. Secfense broker is a tool that enables a quick & easy setup of any 2FA method or authentication standardavailable on the market and introduces it without interfering with applications existing code or database.Without Secfense broker, the 2FA integration often requires changes in the apps' code and then manual check, which can take forever when there are hundreds of apps to protect.Secfense broker streamlines the process by taking over the traffic. The broker knows to which app the user wants to log in, and it asks the user to apply the 2FA method that was chosen for this specific app. Thanks to the Secfense broker the 2FA implementation process is quick & painless across the entire organization. Our customers can also easily switch to any other 2FA method available on the market connecting it with any application or device they need.
• Brainbase — Unified Licensing Management Software. Track and visualize brand performance, contracts, and royalties. Manage approvals, track deals, and spot contract violations.
• Supersimple — Supersimple helps SaaS companies use customer behavior data to drive decisions in product & sales.

Portfolio highlights

• 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.
• Marginum — Pioneering the next-generation quantitative surgical techniques.
• Valio — We are Valio Group: the most innovative dairy and food company in the world.

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.
• 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!
• NROC Security — Prevent data leaks, govern shadow AI, prove compliance, and save 50% on GenAI subscriptions

Portfolio highlights

• Finch — Optimize building design with AI and graph technology. Get immediate feedback on performance, detect errors and find optimal solutions.
• Reveel — Say goodbye to paper maps, brochures, and outdated audio guides. Reveel offers digital solutions for destinations such as UNESCO sites, sights, museums, cities, hotels and parks, taking the visitor experience to the next level. Become part of the smart destination movement, enhance the visitor experience, and discover the future of travel.
• ONEiO — ONEiO is a cloud-native integration service provider connecting people, processes, and tools – enabling seamless collaboration without traditional integration hassle. Provided as a turn-key solution, as self-service, or something in between. You choose.

Portfolio highlights

• 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.
• LN Markets — The first Lightning-native Bitcoin derivatives trading platform.
• aeon.life — Preventive healthcare platform that equips people with personalized insights and expert guidance for proactive whole-body health

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

• Pemo — Pemo is an all-in-one spend management solution that empowers your business by packing every company invoice, expense, approval and spending decision into one powerful platform.Our offering includes smart corporate cards, invoice payment systems and expense tracking functions. These are supported by automated approval flows, direct accountingintegration and real-time reporting - features that allow business owners to save time, save money, automate admin and every expense so you can get on with what you do best - building great businesses.
• RetailBook — RetailBook connects retail investors with IPOs, equity fundraises, and fixed income opportunities. Access primary market investments on the same terms as institutions.
• Baobab — Protect your business against cyber attacks

Portfolio highlights

• Quandoo — In 8 years, Quandoo has expanded into 11 countries and has seated more than 200 million diners in 18,000+ restaurants. Quandoo’s technology-enabled marketplace equips both restaurants and diners with innovative products to elevate dining out as we know it. Headquartered in Berlin, with international footprints in Austria, Switzerland, Italy,Turkey, the UK, Hong Kong, Finland, Singapore, Australia and the Netherlands; the founders’ vision is to grow Quandoo into the world’s leading marketplace for dining out experiences. Quandoo is a subsidiary of Recruit Holdings, and with its sister companies HotPepper and AirRegi, forms the world’s largest restaurant marketing and software company. Quandoo currently employs more than 370 people from 50 countries.
• unique.ai — Automate personalized experiences to successfully transform your organization.
• Happeo — Happeo is the easy-to-launch intranet that helps you keep verified company knowledge centralized, relevant and searchable by connecting to the tools your teams already use.

Portfolio highlights

• BULK Trade — One Exchange Infinite Markets
• Pave Bank — The world's first multi-asset and programmable bank
• Silicon Data — Silicon Data is a data product that brings essential intelligence and efficiency to markets.

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

• 0xbow — 0xbow is an Ethereum privacy service provider that primarily offers support for Sky’s USDS stablecoin, delivering secure, confidential, and user-friendly transaction solutions within the decentralized finance ecosystem.
• Stablecorp — Stablecorp is igniting a "step-function" improvement in financial services with our suite of products.
• Ceramic Network — Ceramic Network is a provider of protocols for decentralized and composable data applications. The network decentralizes application databases, making data universally composable and reusable across applications. It consists of three core parts: a highly-scalable, decentralized infrastructure for data availability and consensus, a marketplace ofcommunity-created data models, and a suite of standard APIs for storing, updating, and retrieving data from those models.

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

• VOW — Meet Quick, a purpose-built Webflow template to promote SaaS and software apps without writing code. Its pre-built content will help you get your website up and running in no time at all.
• Fusepay — Modern Finance & Payments for Indian Ocean Islands
• Outfox Health — AI copilots answer benefits questions instantly. Lower costs without changing carriers. Launch in under 30 days.

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

• 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

• UJET — Transform your customer service with UJET's AI-powered cloud contact center platform. Deliver intuitive, personalized experiences that boost satisfaction and reduce costs. See why leading brands choose UJET.
• Side — Side's real estate brokerage platform empowers top-producing agents to own their own companies without the burden of operating a brokerage.
• Medable — Medable is powering the future of clinical trials, with our decentralized and remote trial platform.

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.

Portfolio highlights

• Seurat Technologies — Seurat Technologies, Inc. was incorporated in 2015. Main offices in Wilmington, MA
• 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.
• Coherent - Silicon Carbide Business — Coherent - Silicon Carbide Business products are used for electric vehicles.

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

• 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

• 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

• 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.
• Hopsworks — Hopsworks is an online platform for the development and operation of Machine Learning (ML) pipelines at scale, based around the industry's first Feature Store for ML.
• 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

• 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

• 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

• 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

• 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.
• Maintract — Maintract is a new generation of financial contract management software. It also offers banking and financial services. They provide contract management automation solutions to banks for drafting, data verification, workflow automation, contract data monitoring, tracking workflow and documentation, compliance management, and more.

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

• 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

• 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

• 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

• Hypatos — Manual document processing is a major cost driver. Hypatos' deep learning tech automates complex document processing tasks. Make back office more efficient!
• Mooncard — Mooncard was created with an ambition: to put the new payment technologies at the service of the day-to-day management of all companies to enable them to gain in simplicity, efficiency and therefore profitability. Currently, many purchasing and spending processes remain manual and complex, ranging from routine purchases and expenses to expenseclaims. Businesses of any size, and often the small ones, lose valuable time to make and manage these payments. Mooncard completely transforms this situation by proposing an innovative payment solution, piloted in real time, secure and deployable very easily. Thanks to the most modern technologies (web, big data, IA ...) the payment and management circuit is completely automated.Mooncard supports all companies to enable them to take full advantage of the revolution of means of payment.
• Descartes Underwriting — Descartes Underwriting is an insurtech company that specializes in climate risk modeling and data-driven risk transfer. It works with corporate brokers to design and underwrite innovative, bespoke, and affordable insurance. The company offers tech-based insurance products covering risks such as flooding, wildfires, droughts, and other large-scaleevents to businesses, across all sectors, including agriculture, hospitality, mining, construction, traditional and renewable energy, entertainment, and retail. The company was founded in 2019 and is headquartered in Puteaux, Ile-de-France, France.

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

• 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

• Blum — Blum is a decentralized exchange platform
• DoubleZero — DoubleZero is developing a global fiber network intended for high-performance distributed systems and blockchains. It seeks to enhance blockchain performance by establishing a dedicated physical infrastructure layer for communication.
• Avara Ventures — Avara creates smart contract-enabled products and public goods (open source protocols) that incorporate decentralized blockchain technologies and token-based economies.