2014 Innovator Award Finalists

Innovation Project™ 2014, March 19-20, 2014
Meet The Finalists

VOTING CLOSES FEBRUARY 27TH, 12 NOON EST

9 Judges. 600+ Submissions. 15 Categories, 69 Finalists.

It’s now all up to you.

Viewed as the most prestigious recognition awards in the payments industry, the PYMNTS Innovator Awards has seen an exponential increase in participants and sponsors and boasts a submission, selection and voting process that is unmatched in intellectural rigor and competitive energy.

The PYMNTS.com℠ community will decide who from this outstanding field will walk away with a gold, silver or bronze medal award in their category on the evening of March 20, 2014 during our gala Awards Dinner. We can’t say it will be an easy choice, but it’s yours to make.

So, please take the time to review the submissions and vote!

Then, join us for a fun, lively and fantastic celebration as we honor all of the outstanding innovation in this fabulous ecosystem.

If you haven’t yet registered, what are you waiting for? Register Here!

Voting is Closed

MOST INNOVATIVE COMPANY

Infoscout

Mobile-enabled data analytics platform that uses smartphones to capture information on purchase behavior in the offline world.

Marqueta

A commerce and payments platform that allows the management of an unlimited numbers of closed and open loop value “purses” (gifting, loyalty/rewards, special offers, charitable) accessible via a single payment card.

Klarna

Payment solutions for online storefronts with a core service that assumes stores’ claims for payments and handle customer payments, thus eliminating the risk for seller and buyer

Upstart

Lending platform that allows consumers to raise money in exchange for a small share of their income for 10 years.

Level Up

Mobile commerce platform that blends loyalty with payment either via a LevelUp branded app or a merchant white-labeled app

MOST DISRUPTIVE COMPANY

A customized processing and end-to-end payments platform that allows Chase to build relationships with merchants for issuing and acquiring, allowing Chase to develop direct relationships with merchants and consumers to receive targeted offers, discounts and new pay-with-points capabilities

Lending Club

An online financial community that replaces traditional bank lenders by bringing together creditworthy borrowers and savvy investors so that both can benefit financially

Xoom

An online international money transfer service offering a secure, fast, and inexpensive way to send money from the mobile phone, tablet or computer to friends and family in others countries

An open-source, distributed payment protocol that enables free and instant payments to merchants, consumers and developers with no chargebacks and in any currency — including dollars, yen, euros, and bitcoins

Bitcoin

Uses peer-to-peer technology to operate an alternative payments system with no central authority or banks; managing transactions and the issuing of bitcoins is carried out collectively by the network

BEST NEW TECHNOLOGY

Loop

A mobile platform that intelligently communicates with the existing retail mag stripe reader interface – without the merchant needing to change anything, creating near ubiquitous acceptance with more than 90% of POS terminals accepting Loop today

Open Table

Mobile Dining app allows diners to use their OpenTable app and to pay the check with the tap of a button that allows the diner to review the check, adjust the tip and finish the payment.

An open-source, distributed payment protocol that enables free and instant payments to merchants, consumers and developers with no chargebacks and in any currency — including dollars, yen, euros, and bitcoins

Qualcomm

Gimbal is a Bluetooth enabled technology platform that enables brands to engage consumers with relevant, timely, and personalized communications sent to their mobile devices when they are out and about leading to increased customer engagement, sales and loyalty.

Apple

Apple Touch ID is a seamless way to use your fingerprint as a passcode on Apple 5s phones, enabling the unlocking of the home screen, authorizing purchases from the iTunes Store, App Store, and iBooks Store

BEST NEWCOMER

Coin

A connected card device that contains all of a consumer’s credit, debit, gift, loyalty and membership cards in one place and that is accepted anywhere that cards are accepted

Shopify

A commerce platform that offers a professional online storefront, integrated payment solution, a POS system and a mobile card reader for any merchant – on and offline

A customized processing and end-to-end payments platform that allows Chase to build relationships with merchants for issuing and acquiring, allowing Chase to develop direct relationships with merchants and consumers to receive targeted offers, discounts and new pay-with-points capabilities

Zooz

A new tool for online content providers and publishers that lets viewers initiate purchases directly from banner advertising, turning the ad into an active part of the purchase and enabling payment with one tap from the banner inside a mobile app

eThor

A point of sale (POS) integration platform that enables any mobile or web developer to easily integrate their application with the point of sale system at a local merchant

MOST INVISIBLE PLAYER

Paydiant

A patented, cloud-based transaction processing platform that enables the key stakeholders in the payments value chain, retailers, banks, processors ‚ to control the next generation in payments and leverage all the opportunities of mobile wallets

A technology platform that automatically captures images of personal and financial documents and then extracts relevant data that enables consumers to use their camera as a keyboard for mobile check deposit, account opening, bill payment, and more.

IP Payments

PCI Level 1 compliant financial services organisation that provides payments, accounts receivable automation and PCI DSS compliance solutions to merchants

Curaxian

Payment analytic platform that helps merchants and processors identify fraud attacks, develop fraud rules that achieve a target fraud rate while protecting good sales, maximize authorization approvals, and manage interchange costs.

Early Warning

Creates actionable intelligence to help financial organizations fight fraud, isolate and manage risk, and remain compliant to protect the entire financial system

BEST CREDIT INNOVATION

Lending Club

An online financial community that replaces traditional bank lenders by bringing together creditworthy borrowers and savvy investors so that both can benefit financially

Klarna

Payment solutions for online storefronts with a core service that assumes stores’ claims for payments and handle customer payments, thus eliminating the risk for seller and buyer

Lend Up

Alternative lender that allows borrowers to earn access to more money, at better rates, for longer periods of time, helping them build credit, not keeping people trapped in debt

L2C

Leverages alternative payment and asset data to create new predictive credit, collection and marketing scores for over 260 million Americans

Credit Karma

Provides access to all of of a consumer’s financial information — bank accounts, credit cards, bills, mortgages, loans, and, of course, credit scores — in one location, all under one account, all for free

BEST DEBIT INNOVATION

Moven

A mobile-centric alternative banking platform that provides real time updates on purchases and analysis of spending to help customers achieve financial wellness

Simple

An alternative banking platform that provides a personal banking experience using online and mobile channels, no fees, and great customer service

T-Mobile

Mobile Money is an alternative to a traditional checking accountthat includes a debit card and the ability to have funds deposited directly to a consumer’s Mobile Money account or by taking pictures of checks with the smartphone

Square

Square Cash is a P2P application that allows consumers to simply send an e-mail to the person they want to pay, after the recipient enters their debit card number, money is directly transferred to their bank account.

Go Cardless

A solution that makes it easier for merchants to accept payments directly from bank accounts primarily for transactions involving recurring payments.

BEST PREPAID INNOVATION

Blackhawk

A leading provider of prepaid and financial payments products for consumers and businesses

Mercury

Mercury StoreCard also offers big retailer functionality of gift, prepaid, rewards and promotions for small merchants

Dunkin' Donuts

Mobile app that enables users to earn rewards and pay for purchases and send cards to friends via text, email or Facebook Connect

Mozido

A combination Citizen ID/Prepaid MasterCard used as the funding source for mobile wallet financial services for the underbanked

Marqueta

A commerce and payments platform that allows the management of an unlimited numbers of closed and open loop value “purses” (gifting, loyalty/rewards, special offers, charitable) accessible via a single payment card.

BEST CHECK INNOVATION

Pay Simple

PaySimple eCheck allows customers to pay by check without writing paper checks

Technology that automatically captures images of personal and financial documents and then extracts relevant data, enabling consumers to use their camera as a keyboard for mobile check deposit, account opening, bill payment, and more.

Billing Tree

“Cash-management platform that enables the automtatic representment of returned checks and collection of as much of 85% of NSF items
businesses can benefit from volume-return check pricing, enhanced cash-management strategies, and superior reporting features.”

Venmo

Allows businesses to pay their workforce from any bank account to any Venmo user via a Venmo account, e-mail or phone number

Bluebird

American Express BlueBird is an alternative banking platform that provides debit and checking account capabilities including deposits by smartphone, mobile bill pay, fee transparency, and no minimum balance, monthly, annual or overdraft fees

BEST CASH INNOVATION

Paydiant

Cardless Mobile Cash Access (MCA) application allows customers to access ATM’s using only their mobile banking app on their smartphone

Prepay Nation

Remittance solution that transfers funds to a receiver’s prepaid phone or m-wallet in real time without the fees associated with conventional money transfer

Pay Near Me

Electronic cash transaction network that enables consumers to remotely pay with cash for goods and services via 17K 7-Eleven and Family Dollar stores.

Incomm Cash Tie

CashTie is an API that links retail cash payments via an existing point-of-sale (POS) system to software applications allowing ecommerce and bill payment software providers to quickly and easily add cash payment options to their existing applications

Monitise

A global mobile money platform that enables consumers to bank anywhere, buy anything and pay anyone using their mobile devices, displacing the need for cash

BEST B2B PAYMENTS

Bill Trust

A secure, one-stop SaaS electronic billing/payment solution for sellers and their small business customers which automates processes for sellers while giving buyers a single destination to receive invoices and pay multiple vendors

Jumio

The next generation in credentials management, offering payments and ID validation products for mobile and web transactions. Jumio’s products create great customer experiences by reducing fraud and minimizing transaction friction, and integrates easily into mobile apps or websites.

Bill.com

A solution to automate the entire cash flow management process of a business, integrating electronic payments seamlessly with accounting software, digital documents, and online collaboration

A cloud-based and API-ready B2B payments application that delivers world’s first real-time, 24/7 financial transactions platform for commercial electronic payments, anywhere, anytime

CSI

CSI GlobalVCard solutions provide companies with a variety of payment method options offering superior payment control, security of single-use virtual card numbers and ease of automated reconciliation

BEST POS TRANSFORMATION

Shopify

A commerce platform that offers a professional online storefront, integrated payment solution, a POS system and a mobile card reader for any merchant – on and offline

Overstock

The first major big retailer to accept BitCoin as a digital payment method

Square

Square Register allows individuals and merchants to accept debit and credit cards on their iOS or Android smartphone or tablet computer, the iPad version of the Square Register app resembles a traditional cash register

Clover

Clover is a cloud-based and integrated POS solution that is an alternative to traditional POS devices

Swipely

A platform that is tied directly to merchant POS systems and allows merchants in the Swipely network to interact with customer spending, social media, and other data

BEST SMALL BUSINESS INNOVATION

Paymill

PAYMILL offers a widely available, fast and easy-to-use payments solution that simplifies the onboarding merchant process for Shopify customers so that they can accept payments within days of creating their Shopify store

Fundbox

Helps business owners fix their cash flow by transferring the amount of outstanding invoices to their bank accounts

Shopify

An omnichannel payments solutionintegrated into the Shopify commerce platform (Shopify) allowing Shopify merchants to process transactions for their website, brick-and-mortar shops and mobile stores

Shop Keep

A simple to set up and easy-to-use POS system founded by a merchant

Freshbooks

Helps service-based small business owners manage their time and expenses, send branded invoices, and collect online payments by credit card, PayPal, or eCheck

Best Comeback Story

OTI

Adds NFC, contactless payment and MIFARE capabilities to existing iPhone and Android mobile devices connected through an audio-jack agnostic device.

Google Wallet

Integration with Gmail to allow users to send payments as a mail attachment, even if the recipient doesn’t have a Gmail address.

Blue Snap

Reinvention of the cross border checkout experience to increase conversion rates by combining global payment processing, intelligent payment routing, smart subscriptions, one-click checkout and other features

Prosper

An online lending marketplace that allows people seeking funds to find others who are willing to invest, even small amounts, in them to help them achieve their financial goals

Earthport

Provides a cost-effective and transparent service for secure international payments

BEST INNOVATION VIA ACH

Transmodus

Provides a bundled solutions platform that combines mobile, online forms, email and a virtual terminal for the acceptance of credit card and ACH payments.

Breeze is like an E-ZPass for Gas; an innovative payment system combining RFID and ACH technology to process payments for a fraction of the cost of credit cards.

Venmo

Allows businesses pay their workforce from any bank account to any Venmo user via a Venmo account, e-mail or phone number

Technology that automatically captures images of personal and financial documents and then extracts relevant data, enabling consumers to use their camera as a keyboard for mobile check deposit, account opening, bill payment, and more.

BIM

BIM is a mobile platform that powers smartphone applications, combining white-labeled low-cost ACH payments and marketing.  BIM allows shoppers to pay securely in stores and online, and to interact with brands in a more relevant and customized manner.

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