FinTechs expand into large corporate banking, spending and payments
Revolut, Ramp and Adyen are deepening relationships with large corporate clients across countries, currencies and financial systems. For these enterprises, the value extends beyond transaction volume into cash, treasury and supplier payments.
Revolut targets larger corporate banking roles
Revolut is aiming at FTSE 250 businesses as it seeks a bigger role in corporate banking, where it has lagged among smaller companies, according to the Financial Times (Sept. 9). Revolut Business offers current accounts, payment services and corporate debit cards, and the company plans to build its credit capabilities for larger businesses.
Revolut Business ended 2025 with 767,000 customers, up 33% year over year. It accounted for 16% of company income and $365 billion in transaction volume, while revenue increased 53%.
Ramp expands from corporate spending into finance operations
Ramp is pushing its platform to private multinationals and Fortune 500 companies, focusing on spending management across entities, currencies and regions. It has also expanded its corporate expense program into Australia, Japan, Singapore, Brazil and Mexico.
Ramp’s enterprise customer base grew 133% year over year in 2025. The platform includes corporate cards, expense management, bill payments, procurement, travel booking, treasury, automated bookkeeping and financial intelligence. Ramp also introduced Applied AI Solutions in June for large enterprises, targeting processes across multiple systems, policies, vendor contracts, approval chains and exceptions.
Adyen grows with multinational coverage and local requirements
Adyen is investing in India as multinational customers enter India and Indian companies expand abroad, Reuters reported Wednesday (Sept. 9). The requirements include local acquiring, cross-border payments and support for domestic payment methods and regulatory requirements.
Adyen processed 803.8 billion euros (about $933 billion) in the first half of 2026, up 24% from a year earlier. About two-thirds of that growth came from merchants that joined the platform in 2024 or earlier.
Adyen typically handles less than 20% of a merchant’s payment volume during years three through seven of the relationship, while after a decade it exceeds 40%. Uber is used as an example of how an Adyen multinational setup can expand over time, with the relationship extending into the United Arab Emirates, Hong Kong and the Caribbean and local acquiring in Japan, Mexico, New Zealand and Australia. Uber’s payment options include Pix in Brazil and AfterPay in Australia.
Adyen Agentic is designed to connect enterprise merchants with multiple artificial intelligence commerce platforms without requiring a separate integration for each protocol, product data format or checkout process.
Corporate finance complexity creates openings
The shift toward larger customers coincides with difficulty scaling corporate finance operations. A PYMNTS Intelligence report released in August, “Growth and Scaling: The Corporate Finance Inflection Point,” found that 62% of executives said cash flow forecasting was difficult to manage or scale, 42% cited reconciliation, and 40% identified data integration challenges. Just 12% said their finance and back-office systems were fully prepared for the next two years.
The report also found that 58% of U.S. companies with $100 million to $1 billion in annual revenue increased revenue during the previous 24 months, while 45% made at least three significant business changes and 62% introduced products or services.
Why it matters
Large corporate relationships can pull FinTechs into multiple parts of how money moves, from banking and credit to treasury, procurement and cross-border payments. That breadth can also make switching harder, since enterprise finance work spans more systems, approvals and vendors.