Ireland’s fintech startup environment in 2025 is vibrant, resilient, and increasingly global in its outlook.
Ireland has become a magnet for fintech innovation, thanks to a combination of government support, a skilled workforce, and access to the broader EU market. Strategic initiatives like the IFS2025 strategy, the Central Bank’s Innovation Hub, and the National Payments Strategy have created a regulatory and operational framework that encourages innovation and investment.
Enterprise Ireland continues to play a pivotal role, investing over €90m in more than 200 fintech and financial services startups, helping them generate over €600m in R&D between 2018 and 2023. The €250m Seed & Venture Capital Scheme is also actively backing early-stage companies, while partnerships with academia and multinationals are fostering a collaborative ecosystem.
Ireland has a strong legacy in the fintech world with businesses like TransferMate, CurrencyFair, Fenergo, Trustev (acquired by TransUnion) and Realex Payments (acquired by Global Payments) leading the charge.
The funding landscape in 2025 is particularly strong. According to KPMG’s Venture Pulse report, VC investment in Ireland surged to $668m in Q1 2025, up from just $34m in the same period in 2024.
This growth was driven by large-scale deals in AI, medtech, and fintech, including a $125m raise by productivity platform Tines. While geopolitical uncertainty has introduced some caution, sectors like fintech remain attractive due to their scalability and global relevance.
For entrepreneurs, opportunities abound in areas like embedded finance, regtech, digital identity, and cross-border payments. Ireland’s access to EU markets, competitive corporate tax regime, and deepening investor pool make it an ideal launchpad for fintech ventures aiming to scale internationally.
DX Compliance
DX Compliance is a Dublin-based regtech start-up that leverages artificial intelligence to streamline anti-money laundering (AML) compliance for financial institutions. Founded by Martin J. Möller, the company was established with the mission to simplify and automate the complex regulatory requirements banks and fintechs face, particularly in transaction monitoring and suspicious activity reporting.
The platform uses AI to reduce false positives and enhance the efficiency of compliance teams, offering real-time insights and automated workflows. DX Compliance’s technology is particularly valuable for small and mid-sized financial institutions that struggle with the cost and complexity of traditional compliance systems.
In terms of funding, DX Compliance has received backing from Enterprise Ireland, which has supported its growth and international expansion. The company has also participated in accelerator programmes and has been featured among Ireland’s most promising fintech startups
DX Compliance is part of a new wave of Irish fintechs that are addressing global regulatory challenges with scalable, cloud-native solutions.
The company is actively expanding its footprint across Europe and the Middle East, targeting markets where AML regulations are tightening and digital transformation is accelerating.
Engage Hub
Engage Hub is a Dublin-based customer engagement technology company that specialises in AI-powered journey orchestration and omnichannel communication. Founded in 2016, the company has grown into a key player in the digital transformation of customer service, particularly in sectors like banking, utilities, and telecoms.
Led by CEO Ray Tierney, the company’s platform integrates AI, automation, and data analytics to deliver personalized, real-time customer interactions across SMS, email, voice, and messaging apps. Engage Hub’s solutions are designed to reduce operational costs while improving customer satisfaction and retention.
In 2025, Engage Hub launched a new AI Knowledge Base product aimed at transforming contact centre operations. This tool uses generative AI to automate responses to customer queries, enabling faster resolution times and reducing the burden on human agents. The company has positioned this innovation as a major step forward in customer service automation, especially for enterprise clients managing high volumes of interactions.
While Engage Hub has not publicly disclosed recent venture capital funding, it has consistently reinvested in R&D and product development, supported by a strong client base and recurring revenue model. The company has also been featured in ThinkBusiness.ie’s coverage of Ireland’s most innovative tech firms, highlighting its role in shaping the future of customer engagement.
Engage Hub is led by a team of seasoned technology and business professionals, though specific founder details are not widely publicized. Its continued focus on AI and automation aligns with broader trends in enterprise software and positions it well for future growth.
Esca Finance
Esca FInance is an emerging Irish fintech startup focused on revolutionizing currency management for businesses operating in volatile or underserved markets. The company provides a platform that simplifies foreign exchange (FX) operations, offering real-time analytics, risk management tools, and seamless cross-border payment capabilities.
Esca Finance’s mission is to empower SMEs and fintechs with greater transparency and control over their international financial operations, especially in regions where currency volatility can significantly impact profitability.
Founded by Eoin O’Reilly, Esca Finance has quickly gained traction within Ireland’s fintech ecosystem.
Esca Finance recently secured early-stage funding through a combination of private investment and support from Techstars, one of the world’s leading startup accelerators. This funding is being used to enhance the platform’s AI-driven analytics engine and expand its reach into emerging markets across Africa, Asia, and Latin America. The start-up is also exploring partnerships with regional banks and payment processors to integrate its technology into existing financial infrastructures.
With a strong focus on financial inclusion and operational efficiency, Esca Finance is positioning itself as a key player in the next wave of fintech innovation from Ireland. Its leadership team combines deep expertise in FX markets, software engineering, and financial regulation, giving it a solid foundation for sustainable growth.
Fire.com
Fire.com is a Dublin-based digital payments company founded by Colm Lyon, one of Ireland’s most prominent fintech entrepreneurs. Lyon previously founded Realex Payments, which he sold to Global Payments for €115m in 2015. Building on that success, he launched Fire.com to provide innovative digital banking and payment services tailored for businesses.
Fire.com offers multi-currency business accounts, real-time payment processing, and Open Banking APIs that enable seamless integration with enterprise systems. Its platform is designed to help businesses automate and streamline their payment operations, including payroll, invoicing, and reconciliation. The company is regulated by both the Central Bank of Ireland and the UK’s Financial Conduct Authority (FCA), allowing it to operate across the EU and UK.
The company’s flagship product, the Fire Business Account, supports both euro and sterling transactions and is widely used by fintechs, SMEs, and corporates that require flexible, programmable payment infrastructure. Fire.com has also been a pioneer in embracing Open Banking, offering APIs that allow clients to initiate payments and access account data securely.
While Fire.com has not publicly disclosed recent large-scale venture capital rounds, it has been consistently backed by founder capital and reinvestment from its profitable operations. Lyon has also used his platform to support and invest in other Irish fintech startups, contributing to the broader ecosystem.
Fire.com continues to grow its client base in Ireland and the UK, positioning itself as a key enabler of embedded finance and digital transformation in the payments space.
ID-Pal
ID-Pal CEO and co-founder Colum Lyons
ID-Pal is a Dublin-based regtech company that provides a secure, real-time identity verification platform for businesses. Founded by James O’Toole and Colum Lyons, the company was created to address the growing need for seamless, compliant, and user-friendly Know Your Customer (KYC) solutions in sectors such as financial services, insurance, legal, and property.
The platform enables businesses to onboard customers remotely by verifying identity documents and biometric data in seconds. It uses a combination of AI, machine learning, and human verification to ensure accuracy and compliance with global AML and data protection regulations. ID-Pal’s mobile and web-based solutions are designed to be easily integrated into existing workflows, making it especially attractive to SMEs and enterprises looking to digitize their onboarding processes.
In 2022, ID-Pal raised €7m in a Series A funding round, which was used to accelerate its international expansion, particularly in the UK and US markets. The funding round was led by Act Venture Capital, with participation from Inspire Investments and other private investors. This investment followed a period of rapid growth, during which the company saw a significant increase in customer adoption and platform usage.
ID-Pal has received multiple awards for innovation and compliance excellence and continues to be recognised as one of Ireland’s most promising fintech start-ups.
JustTip
Ciara Walsh and James Fahy
JustTip is a fast-growing Irish fintech startup revolutionizing the way tips are collected and distributed in the hospitality, charity, and service sectors.
Founded in 2021 by James Fahy (CEO) and Ciara Walsh (CMO), the company was born out of a simple realization: the decline of cash usage was leaving service workers without tips. The duo, then just 19 years old, developed a contactless tipping platform that allows customers to tip directly via QR codes or tap-to-pay terminals, ensuring transparency and fairness.
The platform bypasses employers entirely—tips are pooled and distributed weekly to employees’ bank accounts, aligning with new legislation in Ireland and the UK that mandates transparency in gratuity distribution. JustTip’s system is now used by over 600 merchants and 13,000 employees across Europe and the UK.
In December 2024, JustTip raised €1.1m in a funding round led by ComOp Ventures and Enterprise Ireland, bringing its total funding to €2.1m. The investment is being used to expand operations in the UK, enhance product innovation, and grow the team.
The company has received multiple accolades, including “FS Challenger of the Year” and “National Start-up of the Year,” and was named a finalist in The Irish Times Innovation Awards.
With offices in Dublin and Manchester, JustTip is positioning itself as a leader in digital tipping and micro-payments, offering a scalable solution that meets the evolving needs of a cashless economy.
NomuPay
NomuPay is a Dublin-headquartered fintech company focused on simplifying cross-border payments through a unified, modern infrastructure. The company has rapidly emerged as a key player in the global payments space, particularly across Europe, Southeast Asia, and the Middle East.
Founded by Peter Burridge, a seasoned executive with a background in global payments and fintech, NomuPay was built to address the fragmented nature of international payment systems. Its platform offers a single API that connects businesses to a wide range of local payment methods, currencies, and regulatory environments, enabling seamless transactions across borders.
In 2024, NomuPay secured one of the largest fintech funding rounds in Ireland, raising €49.75m in a growth-stage investment. This followed a previous round of $53.6m co-led by Finch Capital and Outpost Ventures, highlighting strong investor confidence in its scalable model. The company was also listed among the top six Irish tech firms to raise over €30m in 2023, alongside names like Everseen and Shorla Oncology.
NomuPay’s strategic acquisitions, including UK-based Total Processing, have expanded its capabilities in merchant services and payment orchestration. Its recent focus includes integrating alternative payment methods (APMs) in Asia and enhancing multi-currency settlement features.
With a strong leadership team and a clear vision for global expansion, NomuPay is positioning itself as a next-generation payments infrastructure provider, bridging the gap between traditional financial systems and the demands of modern digital commerce.
Outmin
Outmin co-founders David Kelleher and Ross Hunt
Outmin is a Dublin-based fintech startup revolutionizing accounting and bookkeeping for SMEs through AI-driven automation. Founded in 2020 by Ross Hunt, David Kelleher, and Conor Ryan, the company offers a real-time accounting platform that eliminates manual data entry and streamlines financial workflows such as document collection, invoice processing, reconciliation, and reporting.
Outmin’s mission is to modernize the traditional bookkeeping model, enabling accounting firms and small businesses to operate more efficiently and profitably. Its platform combines automation with expert oversight, allowing clients to maintain accurate, up-to-date books without increasing headcount. As of mid-2025, the company serves over 350 businesses and partners with 11 accounting firms, with some reporting up to €10,000 in additional revenue per client by reallocating staff to higher-value tasks.
In May 2025, Outmin raised €4m in a funding round led by Praetura Ventures, through its EIS Growth Fund and NPIF II – Praetura Equity Finance. This round follows earlier investments from Fuel Ventures, Enterprise Ireland, Middlegame Ventures, and KellySan Enterprises. The new capital is being used to expand engineering teams, deepen AI capabilities, and scale operations in Ireland and the UK, particularly in the North West of England.
A major milestone in 2025 was the appointment of Feargal O’Rourke, former managing partner of PwC Ireland and current IDA Chair, as chair of the Board. His leadership underscores Outmin’s ambition to become a foundational player in the future of accounting.
Payslip
Fidelma McGuirk, co-founder, Payslip
Payslip is a Westport, County Mayo-based fintech company specialising in global payroll automation. Founded in 2016 by Fidelma McGuirk, a former international tax and finance executive, Payslip was born out of her vision to simplify and standardise payroll operations for multinational companies. McGuirk, who relocated to Mayo for a better lifestyle, identified a gap in the market for scalable, cloud-based payroll solutions that could meet the demands of globally distributed workforces.
Payslip’s Global Payroll Control Platform enables companies to automate, integrate, and manage multi-country payroll processes through a single SaaS interface. The platform supports compliance, enhances visibility, and reduces manual errors, making it a preferred choice for global firms like Airbus, LogMeIn, Cloudera, and Kirby Group.
The company has raised over €14m in funding to date. In 2021, it secured €8.3m in a Series A extension round led by MiddleGame Ventures, with participation from Mouro Capital, Frontline Ventures, Tribal.vc, and angel investors including David Clarke, former CTO of Workday. This followed earlier rounds totaling €6m, including backing from Enterprise Ireland and AIB.
Payslip has used this capital to expand its team, enhance its AI capabilities, and scale operations to over 60 countries. In 2025, it was recognised as one of Ireland’s top fintechs to watch, reflecting its growing influence in the global payroll tech space.
Prommt
Prommt is a Dublin-based fintech company redefining how businesses request and receive payments, particularly for high-value transactions. Founded in 2019 as a spin-out from mobile messaging firm Púca, Prommt evolved from the Pay2Sender platform into a secure, scalable “payment success platform”. It enables merchants to send smart payment requests via SMS, email, or messaging apps, allowing customers to complete transactions securely online or over the phone.
Led by Donal McGuinness, a seasoned fintech entrepreneur, Prommt addresses the risks associated with traditional mail order/telephone order (MOTO) payments. These transactions, often used for big-ticket items like cars, furniture, or luxury goods, are typically vulnerable to fraud and chargebacks. Prommt’s solution mitigates these risks by providing a secure, PCI-compliant interface that enhances trust and reduces operational friction for merchants.
Prommt has attracted a prestigious client base, including BMW, Selfridges, Harvey Norman, Toyota, and Bulgari, who use the platform to streamline remote payments. The company’s average transaction value is significantly higher than typical e-commerce, reflecting its focus on premium sectors.
In 2025, Prommt reported processing over £60m through its Pay by Bank solution within just 60 days of launch, showcasing rapid adoption of Open Banking technologies . While specific venture capital figures have not been disclosed, Prommt has been featured in ThinkBusiness.ie’s Hot 100 Irish Startups to Watch, underlining its growth trajectory and innovation in the payments space.
Splink
Splink is a Dublin-based fintech start-up offering white-label, plug-and-play payment infrastructure for businesses seeking to embed financial services into their platforms. Founded by Mark Lyttleton, Splink provides a modular suite of tools that allow partners to accept payments, manage transactions, and integrate with a wide range of payment service providers without building their own infrastructure from scratch.
The company’s core offering is a SoftPOS (software point-of-sale) solution that transforms smartphones into contactless payment terminals, eliminating the need for traditional hardware. This makes it especially attractive for event venues, sports stadiums, and mobile service providers. Splink has also developed tailored solutions for the property management and hospitality sectors, enabling seamless, secure, and scalable payment experiences.
In June 2023, Splink raised a seed funding round led by Airstream Ventures and Enterprise Ireland. Notably, Ed Woodward, former executive vice-chairman of Manchester United, participated in the round, signalling strong investor confidence in the company’s leadership and market potential. The funding is being used to accelerate product development, expand into the UK and European markets, and scale its commercial partnerships.
StrikePay
Strikepay is a Dublin-based fintech startup pioneering cashless tipping and contactless payments across hospitality, beauty, and service industries. Founded in 2020 by Oli Cavanagh (CEO) and Charles Dowd (chief product officer), the company emerged during the COVID-19 pandemic to address the sharp decline in cash usage and the growing demand for digital gratuity solutions.
Strikepay’s platform allows users to tip or donate instantly using QR codes or NFC-enabled devices, without requiring an app or account setup. This frictionless experience has made it especially popular in salons, restaurants, and delivery services. The company also supports charitable donations and has expanded its offering to include broader payment capabilities.
The start-up has raised at least €1.5m in funding, including a Seed round in March 2022 led by Enterprise Ireland. It previously secured pre-seed investment and has since grown to a team of 11–50 employees. In 2021, Strikepay acquired UK-based rival Gratsi, accelerating its expansion into the British market.
In 2024, Strikepay reported its first profitable year, driven by increased adoption of digital payments and supportive tipping legislation in Ireland and the UK. The company also partnered with TrueLayer to streamline bank account verification for users, enhancing its onboarding and payout processes.
With a strong focus on user experience, regulatory compliance, and scalability, Strikepay is positioning itself as a European leader in digital tipping and micro-payments, helping businesses and workers adapt to a cashless future.
Swoop
Andrea Reynolds, CEO, Swoop and James Toomey, partner and Fast 50 lead, Deloitte. Picture: Jason Clarke
Swoop is a fintech platform founded in 2018 by Andrea Reynolds (CEO) and Ciaran Burke. Headquartered in Dublin and London, Swoop was created to simplify access to finance for small and medium-sized enterprises (SMEs). The platform helps businesses discover and apply for funding –across loans, equity, and grants – while also identifying cost-saving opportunities in areas like banking, FX, and energy.
Swoop uses a proprietary matching algorithm to connect businesses with the most suitable financial products based on their data. It integrates with accounting software and banking platforms to streamline the application process, making it faster and more transparent for SMEs to secure funding.
The company has raised multiple rounds of funding, including a Series A round in June 2022, backed by investors such as Nesta, Velocity Capital Advisors, MassChallenge Switzerland, and Insurance Australia Group. While the exact funding amount is undisclosed, the capital has supported Swoop’s expansion across the UK, Ireland, and international markets.
In 2023, Swoop was ranked #1 in the Deloitte Technology Fast 50 Awards, recognising it as Ireland’s fastest-growing tech company. The company has also formed strategic partnerships with major players like Sage, Microsoft, NatWest, and Lloyds Bank, further enhancing its reach and credibility.
Swoop’s mission is to democratize access to finance for businesses of all sizes, and its rapid growth reflects a strong demand for smarter, tech-enabled financial solutions in the SME sector.
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