September’s funding rounds show the ongoing momentum for the enabling tools that underpin how businesses carry out day-to-day operations. For example, fleet software now handles fuel payments, while workforce platforms are adding payroll capabilities. Under the hood, infrastructure companies are connecting payment networks and handling the rules and processes that make financial transactions happen.
We’re highlighting 10 rounds covering payments, credit, payroll, construction finance and insurance payment integrity. Eight companies are U.S.-based. They range from seed rounds of less than $1 million to a major financing for an established payments provider.
TabaPay’s $155 million financing stands out as the headline deal. The company lets fintechs, lenders and software platforms collect payments and send payouts through a single API, making it easier to build money movement into their products. It also announced plans to acquire Transact Bank, subject to regulatory approval. Atum addresses another core need: connecting payment providers and developers so they can move money across otherwise fragmented networks.
The smaller raises highlight the demand for tools that simplify financial tasks within particular industries. ClaimQI helps health plans check claims before making payments. Rightcharge simplifies charging payments and reimbursements for electric vehicle fleets. Intermezzo gives workforce platforms a way to add international payroll.
1. TabaPay: $155 million in strategic growth financing
TabaPay enables fintechs, lenders and software platforms to collect and disburse money across card and bank rails through a single API. FTV Capital led the financing, which includes primary capital and a secondary transaction. Led by co-founder Rodney Robinson, the company also announced plans to acquire Transact Bank, subject to regulatory approval.
2. Atum: $13.5 million in funding
San Francisco-based Atum connects payment companies, developers and enterprises through a network where settlement providers compete to fulfill payments across supported blockchains and stablecoins. Founded by former Visa crypto product leader Pete Cooling, it launched with backing from Variant, PayPal Ventures, Abstract Ventures, Road Capital and other investors. Atum handles payment coordination without taking custody of funds, giving software developers access to money-movement infrastructure without building each connection themselves.
3. ClaimQI: just under $500,000 in seed funding
Omaha-based ClaimQI checks healthcare claims against coverage rules, billing codes and policy language to help health plans prevent improper payments. Founded by Chad Wells and Janna Hart, the company raised seed funding from CQuence Health and four private investors, alongside a separate $150,000 grant from the Nebraska Department of Economic Development that is subject to final approval. Its claims and payment-integrity infrastructure brings financial controls into insurance operations, showing how specialized software can improve decisions about which payments should be made and why.
4. Adaptive: $30 million Series B
Adaptive connects construction project data with accounting workflows, using AI agents to support job costing, accounts payable, billing, payments and compliance, with human review before actions reach the ledger. Tidemark led the round, joined by Emergence Capital, Andreessen Horowitz, Pathlight, Definition and 3KVC. Co-founded by Matt Calvano, Henry Bradlow and Francisco Enriquez, Adaptive illustrates how industry-specific operating data can make financial workflows more useful than a generic accounting tool.
5. Carputty: Series B, amount not disclosed
Atlanta-based Carputty integrates vehicle financing into dealership software and automotive partner workflows. Founded by Patrick Bayliss and Joshua Tatum, it closed a Series B backed by an unnamed global vehicle technology company and returning investors TTV Capital, Fontinalis Partners and Kickstart Fund. Carputty shows how lending can become part of the vehicle purchasing process, with origination and servicing infrastructure supporting the partners that already own the customer relationship.
6. Piston: $15 million Series A
Piston embeds cardless fuel payments into gas-station point-of-sale systems, tying each purchase to a specific commercial driver and vehicle. FPV Ventures led the Cupertino-based company’s round, with Spark Capital and Pear VC participating. Founders Vikram Sekhon and Shivam Shah drew on their experience operating fleets to build the network. Piston shows how payments designed around an industry’s daily operations can improve spending controls and reduce reconciliation work.
7. Immediate: $13 million Series B
Birmingham, Alabama-based Immediate connects earned wage access with payroll and workforce systems and offers a private-label platform for banks and credit unions. BankTech Ventures led the round, with Castle Creek Launchpad, BankSouth and other investors participating. Founded by Matt Pierce and Jason Gwizdala, Immediate shows how an established employer or banking relationship can become a distribution channel for financial products that help people access income they have already earned.
8. Intermezzo: $10 million seed
Founded by former Intuit technology leaders Siddharth Ram and Kumar Ramanathan, Menlo Park-based Intermezzo is building global payroll infrastructure for workforce software providers. Backers include Crosslink Capital, UKG Ventures, CloudPay, Character Capital and Behind Genius Ventures. Its platform addresses the country-specific calculations, tax rules and reporting requirements behind payroll. The opportunity is to give software platforms reusable financial infrastructure as their customers expand internationally.
9. Creem: €5 million seed
Estonia-based Creem provides billing and payments infrastructure for AI-native companies and other software businesses selling internationally. Inovo VC led the round, with Practica Capital, Antler and angel investors participating. Founded by Google and Adyen alumni Gabriel Ferraz and Alec Erasmus, its merchant-of-record platform combines payments, tax compliance and payouts with usage-based billing suited to AI products. Creem also lets AI agents configure and manage these tools, showing how financial infrastructure is adapting to both the economics and operations of AI businesses.
10. Rightcharge: £500,000 in follow-on funding
U.K.-based Rightcharge combines public EV charging payments, home-charging reimbursements and cost tracking for business fleets. Soulmates Ventures led the follow-on round, alongside BlackWood Ventures and Purple Ventures. Founded by Charlie Cook, the company also licenses its reimbursement technology to fleet suppliers. Rightcharge builds payments into fleet services, making it easier for employers to pay for EV charging and reimburse employees who charge company vehicles at home.
