Best Accounting Services for Fintech Startups 2025

It provides predictable costs while allowing engineers to focus on core features rather than maintenance. Horizontal fintech products benefit most, supporting both Xero for small businesses Accounting Services for Startups: Strengthen Your Financial Management and NetSuite for enterprises through the same integration. You’re not just managing money; you’re dealing with data privacy, consumer protection, and anti-money laundering regulations.

PCH Access

• Pleo is a Danish fintech company that offers a smart spend management platform for businesses.
• The company says it can help customers reduce their monthly payments and resolve debt within 24 to 48 months.
• You’re looking for a strategic partner who understands the unique financial terrain you’re operating in.
• Analytics Insight is an award-winning tech news publication that delivers in-depth insights into the major technology trends that impact the markets.
• Financial services company tastytrade works with self-directed investors, meaning individuals who aren’t working with brokers or portfolio managers.
• Founded in 2014, it provides current accounts, savings accounts, business accounts, and euro accounts.

Yodlee is one of the original financial data aggregation platforms, with deep coverage across North America and long-standing enterprise relationships. It provides account aggregation, transaction data, and analytics used by wealth managers, lenders, and personal finance applications. Yodlee’s scale and history make it a common choice for large institutions seeking stability and broad coverage. While newer entrants focus on developer-first experiences, Yodlee continues to serve enterprise and regulated use cases where longevity and coverage matter.

Fintech - BankTech

Our experience spans both early stage, pre-revenue Fintech startups and growth stage startups with complex accounting and regulatory requirements. Partner with us from day one to let our team support you through your startup’s growth stages. Investors look for more than a great idea; they want to see disciplined operational practices. A specialist knows how to properly account for things like software development costs, which not only improves your financial statements but also shows investors you’re serious about your operations. When your books are in order and your reporting is clear, it builds the trust of consumers and investors alike. This confidence is critical when you’re raising a round, as it proves you have a solid foundation for future growth and a firm handle on your company’s finances.

Cryptoasset Fraud: Investigations and Asset Tracing

• We specialize in providing high-level accounting services tailored specifically for VC-funded startups.
• Safe is a multi-signature wallet and on-chain account platform designed for team-based control of crypto assets.
• The platform enables businesses to control and automate their spending processes across multiple entities and countries.
• It combines corporate cards, bill payments, and expense management with analytics that highlight saving opportunities.
• As tech-savvy generations have aged, banking and financial options evolved, too, and once rare perks like mobile banking became standard, forcing brick-and-mortar institutions to become tech-enabled.
• Its platform integrates core banking, payments, lending, and compliance into one cohesive system.
• Leveraging services such as Fathom, if using QuickBooks, or NetSuite’s One World platform will definitely improve efficiencies and make accounting workflows much more robust.

Kruze Consulting specializes in startup accounting, relying on experienced accounting, tax, and finance professionals, using best-in-breed financial tools and systems. January specializes in “humanized debt collection.” Its digital platform engages borrowers who have fallen behind on their payments to set them up with a plan for paying off their debt. The company says its empathetic, digital-first approach to collections helps creditors increase recoveries without compromising on compliance and security. Online lending platform Upstart connects borrowers with banks and credit unions to fund loans. Additionally, AI is used to better predict a borrower’s probability of default and provide lenders with more accurate credit underwriting. Upstarters enjoy a remote-first work model, but the company offers in-person opportunities in San Mateo, California; Columbus, Ohio; and Austin, Texas.

• Fundraise Insider provides weekly updates with decision maker contacts, funding data, and industry insights so you can connect with USA startups at the right moment.
• For fintech companies that are navigating compliance, data security, and scalability, Blaze delivers a powerful no-code platform designed to simplify development while meeting regulatory requirements.
• Customers engage with a simple, appealing UX to complete digital or point-of-sale orders.
• For a fintech startup, that story needs to be clear, accurate, and compelling to investors and regulators.
• It supports recurring billing, invoicing, payment retries, and multi-currency subscriptions without heavy setup.
• Through our expert guidance and tools, we empower businesses to navigate these challenges confidently, ensuring that vendor relationships remain both productive and compliant over the long term.

This comprehensive guide provides a roadmap for navigating the complexities of fintech, offering detailed examples and insights to help professionals excel in this dynamic industry. Unlike traditional financial services, fintech companies operate in a highly dynamic environment characterized by innovation, complex revenue models, and stringent regulatory requirements. This guide delves into the specific challenges faced by accounting and FP&A teams in fintech, offering detailed insights and examples to help professionals navigate this complex landscape. Your tech stack is the engine of your business, and your accounting software needs to integrate seamlessly with it. A generic setup won’t cut it when you’re reconciling thousands of transactions from payment processors like Stripe or managing corporate spend with Brex. You need an accounting partner who can not only recommend the right tools but also handle the accounting software implementation and support.

• It is often used by early-stage teams that want to reach market quickly while relying on established banking partners.
• Onfido provides AI-powered identity verification services that combine document checks, facial biometrics, and database screening.
• They will ensure your systems talk to each other correctly, automating data entry and providing a real-time, accurate picture of your company’s financial health.
• Startup accounting provides valuable insight into your startup’s cash flow and also allows you to make financial projections.

GoCardless https://ecommercefastlane.com/accounting-services-for-startups/ is best known for direct debit payments, but it also provides open banking data access across Europe. Its data APIs allow businesses to retrieve bank account information for use cases such as KYC, affordability checks, and account verification. By offering these services alongside payments, GoCardless enables companies to build tighter onboarding and payment flows.

Providing Automation That Simplifies How Businesses Buy and Sell

You need more than just a bookkeeper—you need a strategic partner who understands the specific hurdles of the fintech world, from complex revenue streams to multi-state compliance. If your platform deals with cryptocurrencies or other digital assets, you’ve added another significant layer of complexity to your books. The IRS has specific rules for how these assets must be treated and reported, and the guidance is constantly evolving. Tracking the cost basis, recognizing gains or losses, and properly valuing holdings requires specialized knowledge. SAP Fioneer provides a full suite of tools for financial services that evolve with your company. Whether you’re a startup or an established business planning for the future, these platforms adapt to keep up with your growth.