Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 2 categories.
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Founded 2015 as FinAccel, a Singapore-based startup using alternative data to underwrite checkout credit for Indonesia's underbanked. The flagship Kredivo BNPL product (pay-in-30-days + 3/6/12/18/24-month installments) scaled into a multi-finance license under PT Kredivo Finance Indonesia. In 2022 the company launched 'Infinite Card' with Mastercard + BNI, turning Kredivo into an open-loop payments product rather than a closed BNPL checkout. In 2023 it raised a $270M Series D from Mizuho and acquired GajiGesa, signaling a move from pure BNPL into a broader consumer financial-services platform including personal loans and earned wage access.
Other PSP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/kredivo/install" width="1" height="1" alt="" style="display:none">2 companies are linked to Kredivo in the Embedded Finance Index 2026, through their own public disclosures or Kredivo's published customer list, including Xendit and Timo.
Kredivo is an embedded-finance provider in PSP and Lending. It ranks #451 of 528 PSP providers by linked companies.
The most-named PSP alternatives to Kredivo are Stripe (782 buyers), Adyen (317 buyers), PayPal (153 buyers), Checkout.com (114 buyers), Worldpay (88 buyers) and Mollie (63 buyers).
Kredivo was founded by Akshay Garg and is founded in 2015, headquartered in Jakarta, Indonesia (operating entity); Singapore (group).
Kredivo has raised ~$400M equity + ~$1B debt facilities in total.
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