Ohio has carved a niche in the fintech industry, with a robust mix of companies offering services ranging from payment processing to loan management. As online transactions soar and consumers demand efficiency, these firms are innovating to provide seamless financial solutions. While established giants dominate the market, new startups bring fresh ideas to the table. Their focus on technology-driven offerings reflects evolving consumer preferences. Notably, Ohio's fintech companies are also capitalizing on globalization, expanding their reach to international markets, which points to the state's growing influence in the global technology and finance sectors.

This list highlights 22 prominent fintech companies based in Ohio, varying in size from small teams to large corporations. The companies, founded from 1993 to 2021, are headquartered across the state with key locations in Cincinnati, Columbus, and Toledo. They specialize in several areas, including payment processing, embedded lending solutions, and consumer finance products. While some have received significant funding, others are grounded in long-standing industry practices, enhancing the financial landscape of Ohio.

Continue reading to explore Ohio's top fintech companies.

Top 22 Fintech Companies in Ohio

1. Worldpay

• Website: worldpay.com
• Ownership type: Corporate
• Headquarters: Cincinnati, Ohio, United States (USA)
• Employee distribution: United States (USA) 35%, United Kingdom (UK) 34%, India 18%, Other 13%
• Latest funding: $22.7B, April 2025
• Founded year: 1993
• Headcount: 5001-10000
• LinkedIn: worldpay

Worldpay, founded in 1993 and headquartered in Cincinnati, Ohio, is a prominent payment processing company that offers a comprehensive suite of financial technology services. The company specializes in facilitating secure transactions for businesses and financial institutions, both in-person and online. Worldpay's solutions include payment acceptance across multiple channels, fraud protection, and tools for payment optimization. They serve a wide range of clients, from small to midsize businesses to large enterprises, helping them streamline their payment processes. With a workforce of over 9,000 employees and a presence in multiple countries, Worldpay processes trillions of dollars in transactions annually, showcasing its significant impact on the global payments industry. The company has also received substantial funding, indicating strong investor confidence in its business model and growth potential.

2. Aladdin Digital Bank

• Website: aladdin.ng
• Ownership type: Venture Capital
• Headquarters: Delaware, Ohio, United States (USA)
• Latest funding: Pre-seed, $150,000, September 2022
• Founded year: 2020
• Headcount: 51-200
• LinkedIn: aladdin-digital-bank

Aladdin Digital Bank, established in 2020 and based in Delaware, Ohio, is a fintech company that specializes in providing innovative payment solutions and financial services. The company caters to both individuals and businesses, offering a range of products including business accounts, payment links, and virtual cards. Aladdin's platform is particularly focused on facilitating seamless transactions across Africa, supporting payments into more than 50 countries and over 30 currencies. With a workforce of approximately 52 employees, Aladdin is positioned to address the financial needs of its users through features like multi-currency wallets, anonymous payments, and competitive exchange rates. The company has also attracted venture capital funding, with a reported amount of $150,000 in its last funding round in September 2022. This financial backing underscores its potential for growth and innovation in the fintech space.

3. Jifiti

• Website: jifiti.com
• Ownership type: Venture Capital
• Headquarters: Columbus, Ohio, United States (USA)
• Employee distribution: Israel 82%, United States (USA) 8%, Netherlands 6%, Other 4%
• Latest funding: $22.5M, August 2021
• Founded year: 2011
• Headcount: 51-200
• LinkedIn: jifiti

Jifiti, founded in 2011 and based in Columbus, Ohio, is a financial services company specializing in embedded lending solutions. The firm caters to banks, lenders, and merchants by providing a platform that integrates financing options directly into the customer purchasing experience. Their product suite includes consumer financing, B2B financing, ecommerce plugins, and a loan management system, all designed to enhance the lending process at various customer touchpoints. Jifiti's technology allows for a seamless user experience, enabling merchants to offer instant access to financing at the point of sale. The company has also attracted significant venture capital funding, with a reported amount of $22.5 million as of August 2021, reflecting its potential for growth and innovation in the fintech space.

4. Neural Payments

• Website: neuralpayments.com
• Ownership type: Venture Capital
• Headquarters: Cincinnati, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: February 2025
• Founded year: 2019
• Headcount: 1-10
• LinkedIn: neuralpayments

Neural Payments is a financial technology firm based in Cincinnati, Ohio, established in 2019. The company specializes in payment processing solutions tailored for financial institutions, including banks and credit unions. Their flagship products include a peer-to-peer (P2P) payment system that integrates seamlessly into existing digital banking platforms, allowing users to send money without needing to download additional applications. Additionally, Neural Payments offers a proprietary fraud rules engine designed to prevent fraudulent transactions in real-time, enhancing security for both institutions and consumers. With a small team of experienced professionals from the fintech sector, Neural Payments is focused on delivering innovative solutions that meet the evolving needs of the financial services industry.

5. NCP Finance

• Website: ncpfinance.com
• Ownership type: Private
• Headquarters: Dayton, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2005
• Headcount: 51-200
• LinkedIn: ncp-finance

NCP Finance, based in Dayton, Ohio, is a consumer finance company that specializes in providing credit solutions to both alternative lending companies and individual consumers. Established in 2005 by Lee Schear, the company has built a reputation for its commitment to transparency and compliance with industry regulations. NCP Finance emphasizes the importance of informed financial decisions, offering resources that help customers understand their loan options. The company is also a member of the Online Lenders Alliance, adhering to best practices that promote fair treatment and respect for consumers. With a dedicated management team that includes professionals with extensive backgrounds in finance and banking, NCP Finance aims to be a trusted partner in the financial services sector, focusing on delivering technology-driven solutions to meet the needs of its clients.

6. Worldpay for Platforms

• Website: payrix.com
• Ownership type: Corporate
• Headquarters: Cincinnati, Ohio, United States (USA)
• Employee distribution: Australia 47%, United States (USA) 45%, Canada 5%, Other 3%
• Latest funding: February 2022
• Founded year: 2015
• Headcount: 501-1000
• LinkedIn: payrix

Worldpay for Platforms, also known as Payrix, is a payment technology provider based in Cincinnati, Ohio. Founded in 2015, the company focuses on delivering embedded payment solutions specifically designed for software platforms. Payrix offers a comprehensive suite of services that includes payment acceptance, management, and security, enabling businesses to streamline their payment processes effectively. Their primary clientele consists of software companies that require integrated financial technology to enhance user experience and drive revenue growth. With a significant presence in Australia and the United States, Payrix is positioned to support a global customer base. The company emphasizes the importance of real-time data insights, customizable payment solutions, and robust security measures, including PCI compliance and fraud mitigation. By providing tailored payment facilitation services, Payrix empowers software platforms to optimize their payment experiences and capture more revenue.

7. ProcessOut

• Website: processout.com
• Ownership type: Corporate
• Headquarters: London, Ohio, United States (USA)
• Employee distribution: United Kingdom (UK) 56%, France 41%, Ukraine 2%
• Latest funding: February 2020
• Founded year: 2015
• Headcount: 51-200
• LinkedIn: processout

ProcessOut, founded in 2015 and based in London, Ohio, is a payment solutions provider that focuses on enhancing payment processes for businesses across various sectors. The company offers a cloud-native platform that provides payment analytics, routing, and monitoring services. Their technology allows businesses to optimize transaction performance, improve conversion rates, and reduce costs associated with payment processing. ProcessOut's infrastructure is designed for high availability and scalability, ensuring that it can handle significant transaction volumes. The company has established itself as a valuable partner for businesses looking to navigate the complexities of modern payment systems, providing tools that enable quick integration with multiple payment providers and methods. Their AI-driven smart routing technology further enhances their offering by automatically selecting the best payment provider for each transaction, thereby maximizing authorization rates and minimizing transaction costs.

8. RiverHills Bank

• Website: rhb24.com
• Ownership type: Private
• Headquarters: Milford, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1905
• Headcount: 51-200
• LinkedIn: riverhills-bank

RiverHills Bank, established in 1905 and located in Milford, Ohio, is a private banking institution that provides a range of financial services. The bank caters to both personal and business clients, offering products such as checking and savings accounts, home loans, and commercial loans. RiverHills Bank prides itself on its customer-centric approach, emphasizing relationship-building and community engagement. The bank has invested significantly in technology, providing online banking options and a mobile app that allows customers to manage their finances conveniently. With a focus on impact investing, RiverHills Bank aims to use its financial resources to support community initiatives and foster positive change. The bank employs around 85 staff members and operates with a commitment to superior service and accessibility, making it a notable player in the local banking sector.

9. Payliance

• Website: payliance.com
• Ownership type: Private Equity
• Headquarters: Columbus, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Debt), $31.0M, December 2019
• Founded year: 1998
• Headcount: 51-200
• LinkedIn: payliance

Payliance, founded in 1998 and based in Columbus, Ohio, is a payment processing company that offers a comprehensive suite of solutions tailored for businesses in the lending, accounts receivable management, and online gaming sectors. The company provides services that include payment processing, verification, and recovery solutions, which are essential for businesses looking to streamline their payment acceptance and minimize processing costs. Payliance has established itself as a trusted partner for over 350 lending clients and processes more than 11.5 million consumer payment transactions monthly. With a focus on compliance and risk management, they also operate as a licensed collection agency, enhancing their ability to support clients in managing recovery operations. In December 2019, Payliance secured $31 million in funding, further solidifying its position in the market and enabling continued growth and innovation in payment solutions.

10. Waterford Bank, N.A.

• Website: waterfordbankna.com
• Ownership type: Private
• Headquarters: Toledo, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2007
• Headcount: 51-200
• LinkedIn: waterford-bank-n-a-

Waterford Bank, N.A., established in 2007 and based in Toledo, Ohio, is a private financial institution that provides a variety of banking services tailored for both consumers and businesses. The bank offers personal banking products, including deposit accounts, mortgage loans, and consumer loans, alongside business banking services such as treasury management and commercial loans. Waterford Bank emphasizes the importance of technology in banking, providing online and mobile banking options, which enhance accessibility and convenience for its customers. The bank primarily serves clients in Ohio, Michigan, and Indiana, focusing on meeting the financial needs of its community. With a workforce of approximately 87 employees, Waterford Bank is committed to delivering personalized service while integrating modern banking solutions to stay relevant in the evolving financial landscape.

11. CU-Interface mpowered

• Website: cuinterface.com
• Ownership type: Private
• Headquarters: Richfield, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2000
• Headcount: 11-50
• LinkedIn: cu-interface

CU-Interface mpowered, based in Richfield, Ohio, is a private financial technology firm founded in 2000. The company focuses on delivering core processing technology and customizable banking solutions tailored for credit unions. Their product offerings include home banking, mobile applications, and voice banking, all designed to enhance member engagement and streamline operational efficiency. CU-Interface prides itself on providing a comprehensive solution that minimizes the need for multiple vendors, thereby reducing complexity and costs for credit unions. With a small team of 24 employees, they emphasize a partnership approach, collaborating closely with credit union management to develop strategic solutions that meet their unique needs. This boutique experience allows CU-Interface to offer personalized service while maintaining the capability to handle the demands of their clients. Their commitment to simple pricing and clear ROI further underscores their focus on delivering value to their customers.

12. Preauth

• Website: preauth.io
• Ownership type: Venture Capital
• Headquarters: Delaware, Ohio, United States (USA)
• Employee distribution: Peru 83%, United States (USA) 17%
• Latest funding: January 2024
• Founded year: 2021
• Headcount: 11-50
• LinkedIn: preauth

Preauth is a financial technology company based in Delaware, Ohio, founded in 2021. The company specializes in payment processing, particularly in managing guarantees and pre-authorizations for businesses across various sectors, including hospitality, real estate, and fintech. By providing solutions that enhance payment security and streamline collections, Preauth helps businesses mitigate risks associated with payment defaults and no-shows. Their technology allows for easy integration with existing payment processors, ensuring a seamless experience for users. With a small team of around 18 employees, the company has made strides in the fintech space, participating in notable programs such as the Visa Fintech Accelerator and being recognized as one of the top startups in Peru. Preauth's focus on automating and securing payment processes positions it as a relevant player in the financial technology industry.

13. SpacePointe Inc.

• Website: spacepointe.com
• Ownership type: Venture Capital
• Headquarters: Dayton, Ohio, United States (USA)
• Employee distribution: United States (USA) 50%, Nigeria 39%, India 11%
• Latest funding: Seed, $1.2M, June 2016
• Founded year: 2014
• Headcount: 51-200
• LinkedIn: spacepointe

SpacePointe Inc., founded in 2014 and based in Dayton, Ohio, is a fintech company that specializes in innovative payment solutions and business management tools. With a workforce of around 54 employees, the company has developed a range of software products designed to assist small businesses and government agencies in managing payments, sales, and customer engagement effectively. Their offerings include EkiKart, a point-of-sale solution, and various other platforms tailored for sectors like hospitality and transportation. SpacePointe operates in over 15 global markets, showcasing its commitment to enhancing operational capabilities through technology. The company has received seed funding of $1.2 million, which supports its growth and development in the competitive fintech landscape.

14. IQVentures

• Website: iqventures.com
• Ownership type: Private
• Headquarters: Dublin, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2015
• Headcount: 201-500
• LinkedIn: iqventures

IQVentures, founded in 2015 and based in Dublin, Ohio, is a private investment firm dedicated to fostering next-generation technologies. The firm specializes in investing in and building businesses across various sectors, including data science, GenAI, fintech, and customer service. Their portfolio reflects a commitment to innovation, particularly in the fintech space, where they focus on payments and funding solutions. By partnering with businesses seeking to adapt to technological advancements, IQVentures aims to drive growth and transformation in the financial technology industry. With a team of approximately 89 employees, they are positioned to leverage their expertise and resources to support the development of cutting-edge fintech solutions.

15. Banc Certified Merchant Services

• Website: banccertified.com
• Ownership type: Private
• Headquarters: Hilliard, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1993
• Headcount: 51-200
• LinkedIn: banc-certified-merchant-services

Banc Certified Merchant Services (BCMS), based in Hilliard, Ohio, is a merchant services provider that has been serving businesses since 1993. The company specializes in payment processing and offers a variety of financial solutions designed to meet the needs of retail and service industries. Their services include traditional merchant processing, mobile payment solutions, and consumer financing, which help businesses enhance their operational efficiency. BCMS also provides specialized services such as electronic invoicing, ACH services, and customizable gift cards. They have established partnerships with various businesses, including those in government and higher education sectors, to facilitate secure and efficient payment transactions. With a focus on customer service and competitive pricing, BCMS aims to support merchants in navigating the complexities of payment processing.

16. CNG Holdings, Inc.

• Website: cng.com
• Ownership type: Private
• Headquarters: Cincinnati, Ohio, United States (USA)
• Employee distribution: United States (USA) 99%, Other 1%
• Founded year: 1994
• Headcount: 1001-5000
• LinkedIn: cng-holdings-1

CNG Holdings, Inc., based in Cincinnati, Ohio, is a private financial services firm founded in 1994. The company specializes in providing personal financial solutions to consumers, primarily through its brands, including Check `n Go, Allied Cash Advance, and Cash Store. CNG Holdings aims to assist individuals in managing unexpected expenses and improving their financial well-being. They offer a range of products, notably installment loans, which are accessible both online and at their retail locations across the United States. The company emphasizes its commitment to responsible lending practices and customer education, striving to build long-term relationships with clients. CNG Holdings operates with a focus on innovation, seeking to adapt its services to meet the unique financial needs of its customers.

17. Axcess Financial

• Website: axcess-financial.com
• Ownership type: Private
• Headquarters: Cincinnati, Ohio, United States (USA)
• Employee distribution: United States (USA) 92%, United Kingdom (UK) 3%, Poland 2%, Other 2%
• Founded year: 1994
• Headcount: 1001-5000
• LinkedIn: axcess-financial

Axcess Financial, also known as CNG Holdings, Inc., is a private financial services company based in Cincinnati, Ohio. Founded in 1994, the company specializes in providing personal financial solutions, including online installment loans and in-person services through its various brands such as Check `n Go, Allied Cash Advance, and Cash Store. With a workforce of over 400 employees, Axcess Financial aims to assist consumers in managing their financial needs while offering educational resources to promote better financial futures. The company operates nearly 450 retail locations across the United States, alongside its online platforms, ensuring accessibility for customers seeking financial assistance. Their mission emphasizes responsible lending and community engagement, reflecting a commitment to making a positive impact in the lives of their customers and the communities they serve.

18. Riverside Bank of Dublin

• Website: riverside.bank
• Ownership type: Private
• Headquarters: Dublin, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2021
• Headcount: 11-50
• LinkedIn: riverside-bank-of-dublin

Riverside Bank of Dublin is a community-focused financial institution established in 2021, located in Dublin, Ohio. The bank provides a variety of banking services tailored to both individuals and businesses, including personal and business deposit accounts, loans, and online banking options. Their offerings range from checking and savings accounts to various loan products such as personal, auto, and mortgage loans. Riverside Bank emphasizes community support and building strong customer relationships, which is evident in their commitment to local engagement. They have achieved a 5-star rating from BauerFinancial, reflecting their financial strength and stability. The bank operates with a focus on security, utilizing a .BANK domain to ensure safe online transactions. Their online services are designed to provide convenience and accessibility, allowing customers to manage their finances anytime, anywhere.

19. LendKey Technologies, Inc.

• Website: lendkey.com
• Ownership type: Venture Capital
• Headquarters: Cincinnati, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: Other (Debt), $5.0M, July 2017
• Founded year: 2009
• Headcount: 51-200
• LinkedIn: lendkey-technologies

LendKey Technologies, Inc., founded in 2009 and based in Cincinnati, Ohio, is a financial services company that specializes in student loans and refinancing options. The company offers a range of products, including private student loans and home improvement loans, catering to consumers seeking financial assistance for education and home projects. LendKey operates a digital platform that partners with banks and credit unions, enabling these institutions to provide competitive rates and a streamlined application process for borrowers. This collaboration not only simplifies the borrowing experience but also helps lenders reduce costs, which can be passed on to consumers. LendKey has received funding, with a notable amount of $5 million reported in 2017, indicating investor confidence in their business model and growth potential. The company is committed to enhancing financial accessibility and customer service, positioning itself as a significant player in the fintech industry.

20. Unifund CCR

• Website: unifund.com
• Ownership type: Private
• Headquarters: Cincinnati, Ohio, United States (USA)
• Employee distribution: United States (USA) 94%, Switzerland 6%
• Founded year: 1986
• Headcount: 51-200
• LinkedIn: unifund-ccr-partners

Unifund CCR, based in Cincinnati, Ohio, has been operational since 1986, focusing on financial services that assist consumers and businesses in managing outstanding debts. The company specializes in debt portfolio servicing, utilizing technology and analytics to enhance their operations. They provide flexible payment options and individualized plans to help consumers resolve their financial obligations. Unifund's clientele includes major banks and financial institutions, indicating their role as a trusted partner in the debt recovery process. They are committed to compliance with industry regulations and actively participate in advocacy efforts through associations like the Receivables Management Association International. Their approach emphasizes consumer education and financial wellness, showcasing their dedication to improving the overall experience of debt resolution.

21. AppOne, Inc.

• Website: appone.net
• Ownership type: Corporate
• Headquarters: Dayton, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: September 2007
• Founded year: 1997
• Headcount: 11-50
• LinkedIn: appone-inc

AppOne, Inc., based in Dayton, Ohio, has been operational since 1997, providing a centralized web-based platform that enhances the indirect lending process. The company connects dealers in the recreational vehicle, powersports, marine, and automotive sectors with lenders, including banks and credit unions. Their platform simplifies loan document preparation and credit application management, allowing for a more efficient and compliant lending experience. AppOne's services are tailored to meet the needs of various stakeholders, including national and community banks, credit unions, and non-captive finance companies. By automating traditional lending workflows, AppOne helps its clients close deals faster and with reduced risk, ultimately improving the customer experience in financing options.

22. Emprise Technologies

• Website: emprise1.com
• Ownership type: Private
• Headquarters: Toledo, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1998
• Headcount: 11-50
• LinkedIn: emprise-technologies

Emprise Technologies, founded in 1998 and based in Toledo, Ohio, is a consulting firm dedicated to the financial services industry. With a team of 28 professionals, the company focuses on delivering tailored business and technology solutions to banks, credit unions, and collection agencies. Their services include financial consulting, intelligent process automation, and custom software development, all aimed at improving operational efficiency and achieving business objectives. Emprise has developed a strong reputation for its expertise in specific collection systems, such as Finvi’s FACS and Artiva RM, and C&R Software’s Debt Manager. The firm prides itself on its collaborative approach, working closely with clients to design and implement solutions that meet their unique needs. Emprise Technologies has successfully completed over 15,000 projects, showcasing their extensive experience and commitment to client success.

Fintech Insights: Key Companies in Ohio

Company	Headquarter	Size	Founded	Ownership
Worldpay	Cincinnati, Ohio, United States (USA)	5001-10000	1993	Corporate
Aladdin Digital Bank	Delaware, Ohio, United States (USA)	51-200	2020	Venture Capital
Jifiti	Columbus, Ohio, United States (USA)	51-200	2011	Venture Capital
Neural Payments	Cincinnati, Ohio, United States (USA)	1-10	2019	Venture Capital
NCP Finance	Dayton, Ohio, United States (USA)	51-200	2005	Private
Worldpay for Platforms	Cincinnati, Ohio, United States (USA)	501-1000	2015	Corporate
ProcessOut	London, Ohio, United States (USA)	51-200	2015	Corporate
RiverHills Bank	Milford, Ohio, United States (USA)	51-200	1905	Private
Payliance	Columbus, Ohio, United States (USA)	51-200	1998	Private Equity
Waterford Bank, N.A.	Toledo, Ohio, United States (USA)	51-200	2007	Private
CU-Interface mpowered	Richfield, Ohio, United States (USA)	11-50	2000	Private
Preauth	Delaware, Ohio, United States (USA)	11-50	2021	Venture Capital
SpacePointe Inc.	Dayton, Ohio, United States (USA)	51-200	2014	Venture Capital
IQVentures	Dublin, Ohio, United States (USA)	201-500	2015	Private
Banc Certified Merchant Services	Hilliard, Ohio, United States (USA)	51-200	1993	Private
CNG Holdings, Inc.	Cincinnati, Ohio, United States (USA)	1001-5000	1994	Private
Axcess Financial	Cincinnati, Ohio, United States (USA)	1001-5000	1994	Private
Riverside Bank of Dublin	Dublin, Ohio, United States (USA)	11-50	2021	Private
LendKey Technologies, Inc.	Cincinnati, Ohio, United States (USA)	51-200	2009	Venture Capital
Unifund CCR	Cincinnati, Ohio, United States (USA)	51-200	1986	Private
AppOne, Inc.	Dayton, Ohio, United States (USA)	11-50	1997	Corporate
Emprise Technologies	Toledo, Ohio, United States (USA)	11-50	1998	Private

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