Fintech startup ecosystem
Europe has produced more fintech unicorns than any region outside the US. London, Stockholm, Berlin, and Amsterdam are global centres for payments, neobanking, and embedded finance. Strong regulatory frameworks like PSD2 and open banking have created a uniquely innovation-friendly environment. We track 530 organisations in this sector across 6+ countries.
Showing 361–380 of 530Fintech
Countries in this sector
Sectors alongside this one
Fintech results
PayU
Fintech payments provider founded in 2002 and headquartered in Hoofddorp, Netherlands, owned by Prosus/Naspers. Processes online payments for merchants across CEE, LatAm and Africa.
Payze
Payze is a Tbilisi-based payment-orchestration and acquiring layer built specifically for merchants operating across the Caucasus, CIS, and Eastern European markets, where a single global PSP rarely has strong enough local rails to cover the whole corridor. The platform gives e-commerce operators and marketplaces one API for card processing, Apple Pay and Google Pay, local bank methods, tokenization, and — crucially — automated split payments that route a single customer charge to multiple beneficiaries (sellers, drivers, partners) without building custom ledger logic. Founded in 2020, Payze has raised from Y Combinator (W22 cohort) and 500 Global via the 500 Georgia/Eurasia program, and is backed locally by GITA, the Georgian Innovation and Technology Agency. It is one of the clearest examples of a Georgian B2B fintech that has converted the country's position as a regional crossroads between Europe, Turkey, and the CIS into a commercial wedge in payments infrastructure.
Penneo
Penneo is a Copenhagen-based digital trust company, legally Penneo A/S, offering Penneo Sign, Penneo Collect, and Penneo Verify to digitally sign, collect data for, and verify the identity behind business documents with cryptographic, court-admissible evidence. It is a Qualified Trust Service Provider (QTSP) under the EU eIDAS regulation, generating certificates, signatures, and timestamps on hardware security modules in Danish, EU-based data centres, and it holds ISO 27001 certification. Penneo reports serving more than 3,500 companies across Europe, primarily in audit and accounting, finance and banking, legal services, and real estate.
Pennylane
Accounting and financial management platform growing its engineering footprint in Spain. Pennylane is a startup based in Paris, France at the growth stage. The company operates in the Fintech, Accounting, SaaS space. Learn more at their website.
PFR Ventures
PFR Ventures is the venture capital arm of the Polish Development Fund (Polski Fundusz Rozwoju), wholly owned by the Polish state, established in 2014 and based in Warsaw. The firm operates as the largest fund-of-funds manager in the Central and Eastern Europe region, managing over PLN 3 billion in assets across 80+ private VC funds that have collectively supported more than 900 startup investments. PFR Ventures co-invests alongside private LPs to leverage EU structural funds and catalyse private capital into the Polish venture ecosystem, backing early-stage through growth-stage funds in sectors including deep tech, SaaS, fintech, and life sciences. Its Innovate Poland programme launched in November 2025 with at least PLN 4 billion earmarked for the next investment cycle.
Philippe de la Chevasnerie
Co-founder and CEO of papernest, the platform that automates household subscriptions and contracts. A former McKinsey consultant, he co-founded the company in 2015 and expanded it across Europe.
Philippe Sahli
Co-founder and CTO of Yokoy, the Zurich-based AI-powered spend management platform founded in 2019. Sahli led the technical architecture of Yokoy's AI engine for expense reports and invoice automation, helping scale the platform to enterprise customers across Europe after the company's CHF 80 million Series B led by Sequoia Capital.
Phyre
Phyre is a Bulgarian mobile digital wallet offering a free EUR current account opened entirely from a phone, contactless and peer-to-peer payments, Apple Pay support, IBAN transfers, e-vignette purchase, utility bill payment and loyalty-card storage, plus a free virtual Mastercard. In partnership with PB Personal Finance it also offers an instant credit line of up to €2,000, applied for and signed entirely in-app. Payment services are provided via licensed e-money firm Paynetics.
Piotr Romanowski
Business Angel of the Year 2021 and former PwC partner, Piotr combines corporate finance expertise with deep-technology investing. He focuses on high-potential international projects, especially biotech and complex fintech products. His portfolio includes early-stage investments in biotechnology initiatives and specialized fintech tooling.
Piotr Smoleń
A fintech entrepreneur (ex-CEO of Turbine Analytics), Piotr co-founded Data Ventures and also invests personally in tech startups. He has shown particular interest in blockchain and DeFi startups and is ranked among the top crypto-focused angels in Poland with investments in blockchain companies. Associated startups: Aleph Zero (blockchain platform) and multiple fintech/crypto ventures.
Plat.AI
Plat.AI is an Armenian AI technology company founded in 2020, specializing in predictive analytics solutions for the fintech and insurtech industries. Its platform processes up to 10 million predictions daily for credit and insurance organizations, and has deployed products in cooperation with Armenia's banking and social protection sectors in partnership with the Nork Technology Center. Plat.AI is an active contributor to data science education in Armenia and serves as a Gold Sponsor of PyData PyCon Yerevan 2026.
Pleo
Pleo is a Copenhagen-founded B2B spend-management unicorn that replaces paper expense claims with smart Mastercard-powered cards for employees and a real-time software platform for finance teams. Founded in 2015 by Jeppe Rindom and Niccolo Perra (former Tradeshift colleagues), it covers corporate cards, invoice management, vendor cards, multi-currency accounts and, since 2025, a full cash-management and treasury suite. As of mid-2025 Pleo serves 45,000+ businesses and over a million employees across 16 European markets, with the UK its largest. Pleo reached unicorn status in 2021 and closed a $200M Series C extension led by Coatue in December 2021 at a $4.7bn valuation, then Denmark's most valuable private tech company. Total funding exceeds $476M, backed by European investors Kinnevik (Sweden), Creandum (Sweden), Founders (Denmark) and Seedcamp (UK) alongside US growth funds Stripes, Coatue and Thrive Capital. FY2025 net revenue was about €130M (up 25%), with break-even targeted for 2027 and a possible Copenhagen IPO under consideration.
Pliant
Pliant GmbH, based in Berlin, operates a corporate credit card and spend-management platform (Card & Spend OS) that lets businesses issue physical and virtual cards, automate expense workflows and accounts payable, and access flexible credit for payments. The company is a licensed e-money institution in the EU through its Finnish subsidiary Pliant Oy, is a principal Visa member, and also operates entities in France and Austria. Bulgarian investor BrightCap Ventures exited its investment in Pliant.
Plug and Play Cyprus
Plug and Play Cyprus is the first Cyprus location of Plug and Play, the Silicon Valley-based global innovation platform, launched in Limassol in April 2026. The programme is co-funded by the Republic of Cyprus through the Deputy Ministry of Research, Innovation and Digital Policy and the Research and Innovation Foundation. It plans to run six cycles of incubation and acceleration targeting fintech, regtech, gaming, and shipping and energy, aiming to support around 60 startups and create approximately 500 jobs. Corporate partners include ASBIS, Tototheo, Mastercard, and ECOMMBX.
Plug and Play Spain
Spanish arm of Plug and Play (since 2012) connecting startups with corporate partners in fintech, insurtech, and mobility. Operates from Valencia with pilots and venture funding; global alumni include PayPal and Dropbox. Scope: International.
Plum
Plum is a money management fintech that offers a mobile app with smart tools for automated saving, budgeting and investing, helping users manage personal finances with minimal manual effort. Founded in 2016 by Victor Trokoudes and Alex Michael, the company is headquartered in London with additional offices in Athens and Nicosia, and serves more than 2 million users across Europe. In July 2024 it raised a £16 million Series B round to support growth and a push toward profitability, with strategic investor Eurobank having taken a minority stake.
Point Zero Forum 2026
A three-day invitation-driven forum at Kongresshaus Zurich with 2,000+ attendees and 80+ regulators and central banks, on digital assets, AI in finance, and policy. For a fintech or web3 founder it offers unusually direct access to regulators and central banks alongside investors.
PortfoLion Capital Partners
PortfoLion is the venture capital and growth equity arm of OTP Bank, Hungary's largest bank, managing approximately €440 million in AUM across three distinct funds targeting seed, growth, and turnaround stages. Founded in 2010 and headquartered in Budapest, it is the most prominent institutional VC in the CEE region by assets under management, with 64 portfolio companies across Hungary and wider Central and Eastern Europe. Its seed fund deploys €500k–€3 million per ticket and the growth fund €5–30 million, with notable investments including SEON (which went on to raise $150 million from Creandum and IVP) and Tresorit (acquired by Swiss Post). The firm has a team of 33 professionals including five partners.
Portmanat
Portmanat is Azerbaijan's first domestically developed electronic wallet, launched by Mobile Payment Solutions LLC in 2012. It enables users to pay utilities, mobile operators, internet providers, and merchants via mobile number-linked wallet accounts, QR codes, and card terminals. Portmanat is a founding member of the Azerbaijan Fintech Association and has bank integration partnerships with Bank Respublika and others.
Portugal Tech Week 2026
Portugal's largest decentralised innovation festival — 250+ mostly-free events across 15+ cities, themed on AI, Web3, sustainability, and the future of work, anchored around Web Summit week. The single best week for a founder to tap the whole Portuguese ecosystem at once, with pitch sessions, tech days, and investor meetups nationwide.
