Arizona's fintech companies are reshaping the financial services landscape. They range from payment processors to lending platforms, addressing consumer needs through innovative technology. As digital banking gains traction, many companies are focusing on enhancing customer experience, fraud prevention, and payment accuracy. Growth is expected as they integrate advanced technologies like AI and blockchain. Moreover, the state's business-friendly environment attracts startups and established firms alike, driving competition in the industry. Job creation and investment in technology research further highlight Arizona's position as a growing hub for financial technology solutions.

This list features 21 fintech companies headquartered in Arizona, varying in size from small startups to established firms. Many are located in Scottsdale and Phoenix, with founding years stretching from the late 1990s to recently established outfits in 2021. Their areas of specialization include payment processing, digital banking solutions, and consumer finance products, reflecting a well-rounded industry invested in innovation. With a blend of private and corporate ownership types, the companies present a dynamic snapshot of Arizona's financial technology sector.

Continue reading to explore Arizona's top fintech companies.

Top 21 Financial Technology Companies in Arizona

1. Early Warning

• Website: earlywarning.com
• Ownership type: Corporate
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: United States (USA) 99%, Other 1%
• Latest funding: October 2015
• Founded year: 1990
• Headcount: 1001-5000
• LinkedIn: early-warning-services

Early Warning Services, LLC, based in Scottsdale, Arizona, is a financial services technology company founded in 1990. The firm specializes in providing solutions that enhance payment processes, prevent fraud, and verify identities for financial institutions. Early Warning is best known for its flagship product, Zelle®, which allows users to send and receive money quickly through their banking apps. In addition to Zelle®, the company has introduced PazeSM, an innovative online checkout solution that simplifies e-commerce transactions by consolidating payment methods into a single wallet. With a workforce of approximately 1,474 employees, Early Warning serves over 2,500 banks and credit unions, helping them improve transaction security and customer experiences. The company has not reported any recent funding, indicating a stable operational model since its inception.

2. BillingTree | A REPAY Company

• Website: mybillingtree.com
• Ownership type: Corporate
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $503.0M, May 2021
• Founded year: 2003
• Headcount: 51-200
• LinkedIn: billingtree

BillingTree | A REPAY Company, founded in 2003 and based in Scottsdale, Arizona, is a financial technology firm that specializes in payment processing and automation solutions. The company offers a range of services designed to help businesses manage their payment processes more efficiently. These services include payment acceptance, vendor payment automation, clearing and settlement, and instant funding. BillingTree serves various sectors, including automotive, healthcare, and financial institutions, providing tailored solutions that enhance operational efficiency and improve cash flow. The company has received substantial funding, amounting to $503 million, which underscores its growth trajectory and commitment to innovation in the fintech space. With a focus on simplifying payment experiences and ensuring compliance, BillingTree positions itself as a valuable partner for businesses looking to optimize their financial operations.

3. equipifi

• Website: equipifi.com
• Ownership type: Venture Capital
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Grant), January 2023
• Founded year: 2021
• Headcount: 11-50
• LinkedIn: equipifi

equipifi is a fintech company based in Scottsdale, Arizona, founded in 2021. The company focuses on providing Buy Now, Pay Later (BNPL) solutions to banks and credit unions, enabling these financial institutions to offer flexible payment options to their customers. By integrating with existing digital banking systems, equipifi enhances customer engagement and retention, allowing financial institutions to meet the evolving needs of their account holders. The company has a small team of around 39 employees and operates entirely within the United States. equipifi has also successfully completed a SOC 2 Type 2 audit, which underscores its commitment to security and compliance in the fintech space. Their platform is designed to help financial institutions stay competitive by offering features that appeal to consumers, such as the ability to split payments and manage BNPL plans directly through their banking apps.

4. Azure Computer Corp

• Website: azurecomputer.com
• Ownership type: Private
• Headquarters: Tucson, Arizona, United States (USA)
• Employee distribution: Thailand 100%
• Founded year: 2010
• Headcount: 51-200
• LinkedIn: azure-computer

Azure Computer Corp, founded in 2010 and based in Tucson, Arizona, is a banking software company that specializes in providing digital banking solutions. The company primarily serves small to medium-sized banks and credit unions, focusing on enhancing their digital capabilities to meet modern customer expectations. Azure offers a range of services, including mobile banking applications, bolt-on solutions for existing applications, and IT services. Their mobile banking solutions are designed for quick implementation and customization, allowing financial institutions to keep pace with evolving consumer demands. Azure has been recognized in the industry, being featured on the cover of CIO Review and awarded as one of the most promising fintech solutions providers in 2021. This recognition underscores their commitment to innovation and quality in the financial technology sector.

5. GiveCorporation

• Website: givecorporation.com
• Ownership type: Private
• Headquarters: Phoenix, Arizona, United States (USA)
• Employee distribution: United States (USA) 65%, Spain 12%, United Kingdom (UK) 12%, Other 12%
• Founded year: 2016
• Headcount: 51-200
• LinkedIn: givebox

GiveCorporation, founded in 2016 and based in Phoenix, Arizona, is a private financial technology firm that specializes in payment processing and fraud prevention. The company has developed a proprietary technology known as GiveCore, which enables real-time fraud detection and secure transactions. This technology is particularly beneficial for businesses and nonprofits, allowing them to operate with confidence in an increasingly digital economy. GiveCorporation's mission is to create a universal financial ecosystem that caters to the unique needs of its clients. With a team of 51-200 employees, the company has a notable presence in the United States and has expanded its reach to countries like Spain, the United Kingdom, and Italy. Their commitment to empowering clients through advanced technology and tailored solutions underscores their relevance in the fintech industry.

6. Agave Pay, Inc.

• Website: agavepay.com
• Ownership type: Private
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1999
• Headcount: 11-50
• LinkedIn: agavepay

Agave Pay, Inc., based in Scottsdale, Arizona, is a payment processing company that specializes in delivering innovative solutions for businesses across various sectors, particularly in insurance and education. Founded in 1999, the company has evolved from its origins in enterprise software to focus exclusively on electronic payments. Agave Pay offers a range of services, including mobile payment solutions, digital wallets, and automated billing features, all designed to simplify payment processes and improve customer satisfaction. Their approach emphasizes understanding the unique needs of their clients, which allows them to provide tailored solutions that enhance the payment experience. Agave Pay is also recognized for its commitment to security, employing advanced tokenization technology to protect sensitive data. With a dedicated team of payment experts, Agave Pay continues to adapt to the changing landscape of digital payments, ensuring they meet the evolving demands of their customers.

7. ZIVELO, a Verifone Company

• Website: zivelo.com
• Ownership type: Corporate
• Headquarters: Scottsdale, Arizona, United States (USA)
• Latest funding: August 2019
• Founded year: 2008
• Headcount: 51-200
• LinkedIn: zivelo

ZIVELO, a Verifone Company, is based in Scottsdale, Arizona, and was founded in 2008. The company specializes in payment solutions, focusing on hardware and software that facilitate secure transactions for businesses across various sectors. ZIVELO's product lineup includes payment devices, eCommerce solutions, and comprehensive payment processing services. Their offerings are designed to improve customer experiences and streamline payment systems for merchants, ranging from small businesses to large enterprises. As part of Verifone, a well-established name in payment technology, ZIVELO benefits from a robust infrastructure and expertise in the payments industry, positioning itself as a reliable partner for businesses looking to enhance their payment capabilities.

8. Thrivos

• Website: thrivos.com
• Ownership type: Private
• Headquarters: Phoenix, Arizona, United States (USA)
• Employee distribution: United States (USA) 60%, India 31%, Argentina 9%
• Founded year: 1994
• Headcount: 201-500
• LinkedIn: thrivos

Thrivos, Inc. is a financial services and technology solutions provider based in Phoenix, Arizona. Founded in 1994, the company initially started as a call center aimed at meeting the needs of underbanked consumers. Over the years, Thrivos has evolved from a chain of retail financial stores to a provider of online loans, business loans, and lease-to-own transactions. The company was restructured in 2017, acquiring its predecessor management company, and now offers a proprietary loan management system that integrates advanced technology, including a credit underwriting engine and compliance systems. Thrivos serves both consumers and niche businesses, emphasizing customer acquisition and streamlined financial transactions. Their focus on innovation and technology positions them as a significant player in the fintech industry, particularly for those looking to address the needs of underbanked populations.

9. AVANA Companies

• Website: avanacompanies.com
• Ownership type: Private
• Headquarters: Peoria, Arizona, United States (USA)
• Employee distribution: United States (USA) 46%, Bahrain 38%, India 15%
• Founded year: 2002
• Headcount: 11-50
• LinkedIn: avana-capital

AVANA Companies, founded in 2002 and based in Peoria, Arizona, is a financial services firm that specializes in lending and investment management. The company operates several platforms, including LendThrive, which focuses on providing small business loans with a streamlined application process, and AVANA Fund, which offers fractional private credit investing opportunities in commercial real estate and renewable energy projects. AVANA also supports credit unions through its AVANA CUSO division, enabling them to engage in commercial real estate loans. With a commitment to social and environmental impact, AVANA aims to create jobs, stimulate economies, and promote clean energy initiatives. The firm manages approximately $1 billion in assets and has a workforce of around 65 employees, with a significant presence in the United States, Bahrain, and India.

10. Excellarate

• Website: excellarate.com
• Ownership type: Corporate
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: India 97%, Other 3%
• Latest funding: January 2023
• Founded year: 1999
• Headcount: 1001-5000
• LinkedIn: excellarate

Excellarate, founded in 1999 and based in Scottsdale, Arizona, is a technology solutions provider that specializes in HealthTech, InsurTech, and FinTech. With a workforce of around 728 employees, predominantly located in India, the company focuses on delivering a range of services tailored to the financial and healthcare sectors. Their fintech offerings include portfolio management, digital lending, and algorithmic trading solutions, aimed at improving operational efficiency and investment strategies for businesses. Excellarate's commitment to innovation is evident in their use of advanced technologies such as AI and machine learning, which enhance their service delivery and client engagement. The company has not reported any recent funding, indicating a stable operational model that relies on its established expertise and client relationships.

11. FlexWage Solutions

• Website: flexwage.com
• Ownership type: Private
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $3.5M, August 2014
• Founded year: 2009
• Headcount: 11-50
• LinkedIn: flexwage

FlexWage Solutions, founded in 2009 and based in Scottsdale, Arizona, is a financial wellness provider that focuses on enhancing employee benefits through innovative pay solutions. The company offers services such as OnDemand Pay, Flex Pay, and Sum180, which empower employees to access their earned wages early and improve their overall financial health. FlexWage's OnDemand Pay solution is particularly noteworthy, as it allows employees to avoid costly borrowing and overdraft fees by providing access to their already earned wages. This service not only alleviates financial stress for employees but also helps employers improve retention and productivity. FlexWage has received funding amounting to $3.5 million, which underscores its potential for growth and development in the fintech sector. The company actively engages with regulatory bodies to ensure compliance and has established partnerships to expand its reach and effectiveness in delivering financial wellness solutions.

12. PayCompass

• Website: paycompass.com
• Ownership type: Private
• Headquarters: Tempe, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2020
• Headcount: 51-200
• LinkedIn: paycompass

PayCompass, based in Tempe, Arizona, is a private payment processing company founded in 2020. With a workforce of approximately 73 employees, the firm specializes in providing a range of financial services tailored to businesses. Their offerings include credit card processing, payroll services, and e-commerce solutions, aimed at enhancing cash flow and simplifying transaction complexities. PayCompass places a strong emphasis on empowering sales agents, ensuring they have the tools and support necessary to effectively serve their clients. The company also focuses on high-risk and high-volume accounts, providing specialized services that cater to businesses facing unique challenges in the payment processing landscape. Their innovative solutions, such as virtual card issuing and robust chargeback prevention, further demonstrate their commitment to addressing the evolving needs of their clients in the fintech industry.

13. cardONE

• Website: cardoneco.com
• Ownership type: Private
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2007
• Headcount: 11-50
• LinkedIn: cardone-co

cardONE, founded in 2007 and based in Scottsdale, Arizona, is a payment processing company that specializes in integrated payment solutions and technology services tailored for businesses across various sectors. With a workforce of around 20 employees, cardONE focuses on enhancing transaction efficiency and customer satisfaction. They cater to industries such as retail, e-commerce, and hospitality, providing secure payment processing, fraud mitigation, and customer loyalty programs. The company processes billions of transactions annually for hundreds of thousands of businesses, showcasing their significant role in the payment processing ecosystem. Their offerings include advanced security measures like PCI-validated point-to-point encryption and tokenization, ensuring that businesses can operate safely in a digital environment. cardONE also emphasizes customer service, aiming to exceed client expectations and build long-term relationships based on trust and transparency.

14. Soaren

• Website: soaren.io
• Ownership type: Private
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: United States (USA) 96%, Mexico 4%
• Founded year: 2015
• Headcount: 51-200
• LinkedIn: soaren-management

Soaren, founded in 2015 and based in Scottsdale, Arizona, is a private fintech company that specializes in customer-centric financial solutions. The firm offers a range of services, including portfolio management, loan underwriting, and asset recovery, primarily targeting businesses within the financial services sector. Soaren employs innovative technologies to streamline financial operations, ensuring efficiency and security for their clients. Their proprietary underwriting and loan management systems are designed to enhance the customer experience, reflecting their commitment to understanding and meeting client expectations. Soaren also emphasizes compliance and data security, which are critical in today's financial environment. With a workforce of around 81 employees, the company is actively involved in developing tailored financial products and services that address the unique challenges faced by their clients.

15. PersonaFi

• Website: personafi.co
• Ownership type: Venture Capital
• Headquarters: Tempe, Arizona, United States (USA)
• Latest funding: Seed, September 2021
• Founded year: 2019
• Headcount: 1-10
• LinkedIn: personafi-app

PersonaFi, founded in 2019 and based in Tempe, Arizona, operates as a social investing platform dedicated to personal finance education and community engagement. The company provides tools and resources aimed at helping retail investors refine their investment strategies and navigate market challenges. By fostering a supportive environment, PersonaFi encourages users to share insights and experiences related to personal finance, from investing to home buying and credit management. The platform has evolved from a Facebook group of nearly 30,000 members into a mobile application available on both iOS and Android. PersonaFi has established partnerships with financial service providers like Vinovest, Tykr, and Acorns, enhancing its educational offerings and community support. Despite facing challenges in the market, the company remains committed to its vision of creating a community-driven approach to personal finance and investing.

16. Max Cash

• Website: maxcash.com
• Ownership type: Private
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2015
• Headcount: 51-200
• LinkedIn: tradition-media-group

Max Cash is a financial services provider based in Scottsdale, Arizona, established in 2015. The company specializes in connecting consumers with lenders for a variety of loan products, including personal loans, title loans, and installment loans. By facilitating the loan process, Max Cash aims to help individuals access the funds they need quickly and efficiently. Their services cater primarily to consumers seeking financial assistance, and they also offer additional financial products such as online banking, car financing, and debt consolidation. Max Cash operates a partner network that allows it to generate leads for lenders, enhancing its role in the financial ecosystem. The company is NMLS licensed, indicating compliance with state and federal regulations in the lending industry. However, it does not lend money directly, instead serving as a conduit for connecting borrowers with potential lenders.

17. DecisionLogic (dba for Clarilogic. Inc.)

• Website: decisionlogic.com
• Ownership type: Private
• Headquarters: Phoenix, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2005
• Headcount: 11-50
• LinkedIn: clarilogic-inc.

DecisionLogic, operating under the name Clarilogic, Inc., is a financial technology firm based in Phoenix, Arizona. Founded in 2005, the company specializes in account and identity verification services tailored for lenders and financial institutions. Their flagship products include Instant Account Verification (IAV) and Identity Verification (IDV), which allow clients to authenticate borrowers efficiently and accurately using real-time banking data. With a focus on streamlining the verification process, DecisionLogic enhances the decision-making capabilities of its clients, reducing risk and improving operational efficiency. The company has established itself as a key player in the fintech industry, serving a wide range of sectors including consumer lending, business lending, and tenant verification. Their technology is designed to support over 50,000 financial institutions globally, showcasing their extensive reach and impact in the market. DecisionLogic's commitment to data quality and customer support further solidifies its role in the financial technology landscape.

18. MiCamp Solutions

• Website: micamp.com
• Ownership type: Venture Capital
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Seed, $250,000, January 2023
• Founded year: 2007
• Headcount: 51-200
• LinkedIn: micamp-solutions

MiCamp Solutions, founded in 2007 and based in Scottsdale, Arizona, is a payment processing company that specializes in providing financial technology services. The company offers a variety of solutions, including credit card processing, custom software development, and innovative payment systems designed to help businesses reduce costs and improve efficiency. MiCamp Solutions has built a reputation for exceptional customer service and a commitment to helping clients navigate the complexities of payment processing. With over 50,000 clients and a processing volume exceeding $50 billion annually, MiCamp has established itself as a significant player in the payment technology sector. The company is also a member of the Fiserv Chairman's Circle, highlighting its strong relationships within the financial services industry. In January 2023, MiCamp Solutions secured $250,000 in seed funding, further supporting its growth and development in the fintech space.

19. CCG Catalyst Consulting Group

• Website: ccgcatalyst.com
• Ownership type: Private
• Headquarters: Phoenix, Arizona, United States (USA)
• Founded year: 1998
• Headcount: 11-50
• LinkedIn: ccg-catalyst-consulting-group

CCG Catalyst Consulting Group, founded in 1998 and based in Phoenix, Arizona, is a consulting firm that specializes in the banking and financial services industry. With a team of around 31 employees, they provide a range of services tailored to banks, credit unions, and fintech companies. Their expertise includes advisory services on core modernization, digital transformation, and regulatory compliance. CCG Catalyst plays a pivotal role in helping financial institutions optimize their operations and adapt to new technologies. They also facilitate partnerships between banks and fintechs, aiding in market expansion and innovation. Their global reach extends to offices in New York, London, and Singapore, reflecting their commitment to serving clients worldwide. CCG Catalyst has worked with over 600 clients, showcasing their extensive experience and knowledge in the financial sector.

20. Achieve

• Website: achieve.com
• Ownership type: Private Equity
• Headquarters: Tempe, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Debt), $186.4M, November 2024
• Founded year: 2002
• Headcount: 1001-5000
• LinkedIn: achievecareers

Achieve, founded in 2002 and based in Tempe, Arizona, is a financial services company that specializes in personal finance solutions aimed at improving consumers' financial health. The company offers a range of services, including debt resolution, debt consolidation, and personal loans, designed to assist individuals in managing their debt effectively. Achieve employs innovative technology to enhance customer experience and provides a relationship-driven approach to support clients throughout their financial journeys. With over $19 billion in debt resolved and more than 1 million members served, Achieve has established itself as a significant player in the personal finance sector. The company recently secured $186.4 million in funding, reflecting strong investor interest and confidence in its business model and growth trajectory.

21. FiREapps, a Kyriba Company

• Website: fireapps.com
• Ownership type: Corporate
• Headquarters: Scottsdale, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: January 2019
• Founded year: 2005
• Headcount: 51-200
• LinkedIn: fireapps

FiREapps, a Kyriba Company, is based in Scottsdale, Arizona, and was founded in 2005. The company operates within the financial technology sector, focusing on liquidity management and treasury solutions. FiREapps provides a suite of products designed to assist CFOs and financial leaders in gaining visibility and control over their cash flow. Their offerings include treasury management, risk management, and payment solutions, which are critical for optimizing liquidity and enhancing financial decision-making. FiREapps serves a variety of industries, ensuring that businesses can effectively manage their financial operations. As part of Kyriba, they benefit from a robust platform that integrates advanced technology to streamline financial processes and improve operational efficiency.

Financial Technology Insights: Key Companies in Arizona

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