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Apto

also invests · investor profileacquired by BuildoutYC S14

San Francisco, US · Founded 2014 · 32 employees · 19 known investors

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Acquired by Buildout January 2022 · terms undisclosed · source ↗

Apto Payments offers a developer-friendly card issuing platform that lets fintech companies launch physical debit, virtual, corporate, and crypto card programs. It handles KYC, risk management, and custom card design, targeting founders and fintech businesses building card products.

Also known as Apto Payments, Inc. · Shift Financial, Inc. · Apto · Shift · Shift, Apto

Developer ToolsFintechSaaSUnited States of AmericaAmerica / CanadaPartly Remote

Founders & leadership· Y Combinator alumni (S14)

Apto was founded in 2014 by Greg Kidd and Meg Nakamura.

GKGreg Kidd
Greg KiddCo-FounderGreg Kidd founded a dispatch and logistics company that grew to become the world's largest, took it public, and orchestrated 62 acquisitions before transitioning to payments regulation and policy. He later worked at Ripple as an early employee focusing on compliance infrastructure, advised early-stage fintech companies including Twitter and Square, and has founded multiple ventures in digital payments and blockchain-based financial services.
MNMeg Nakamura
Meg NakamuraCo-Founder & CEO2014–2023Founder at Apto Payments
CJCharles Jung
Charles JungExecutiveCharles Jung held sales and marketing roles at IBM, Ernst & Young, Samsung Electronics, and Hyosung Corporation with experience across multiple markets including the United States, China, Japan, and Korea. He is Executive Officer of Apto, a Salesforce-native CRM platform for commercial real estate brokers.
MH
Maureen HigginsExecutive
DT
David Tanner McGrawExecutive
TA
Traci A. SnowdenNamed on SEC filing
EO
Eugene OttoCTO2014–2018
GSGeorge Smith
George SmithHead of Product2019–2021Founder/CEO at Glassjar
RH
Ron Hornbaker

Board

JDJeffrey Diehl
Jeffrey DiehlBoard directorGeneral Partner at Adams Street Partners
MF
Matthew FlakeBoard director
EH
Edward HillBoard director

Investors · 19

Baroda Ventureslisted by Baroda VenturesLos Angeles · $100K – $5M

How we know: Baroda Ventures's portfolio page · Not right? Tell us

Fenway Summer Ventureslisted by Fenway Summer VenturesWashington

How we know: Fenway Summer Ventures's portfolio page · Not right? Tell us

General Catalystlisted by General CatalystSan Francisco · $30M
Kapor Capitallisted by Kapor CapitalOakland · $100K – $1M

How we know: Kapor Capital's portfolio page · Y Combinator's founder network · Not right? Tell us

NTT DOCOMO Ventureslisted by NTT DOCOMO VenturesTokyo

How we know: NTT DOCOMO Ventures's portfolio page · Not right? Tell us

Peak XV Partnerslisted by Peak XV PartnersBengaluru · $100K – $10M

How we know: Peak XV Partners's portfolio page · Not right? Tell us

Scrum Ventureslisted by Scrum VenturesSan Francisco

How we know: Scrum Ventures's portfolio page · Y Combinator's founder network · Not right? Tell us

Tq Ventures Llclisted by Tq Ventures LlcNew York

How we know: Tq Ventures Llc's portfolio page · funding news · the VCSheet dataset · Not right? Tell us

Women's Equity Lablisted by Women's Equity LabVictoria · $18K – $55K

How we know: Women's Equity Lab's portfolio page · Not right? Tell us

Wonder Ventureslisted by Wonder VenturesLos Angeles · $100K – $1.5M

How we know: Wonder Ventures's portfolio page · Not right? Tell us

Y Combinatorlisted by Y CombinatorSan Francisco · $500K

How we know: the Y Combinator directory · funding news · open dataset · 5k.vc investor directory · Not right? Tell us

Adams Street PartnersreportedChicago · $150M – $750M

How we know: funding news · Not right? Tell us

CRCM VenturesreportedSan Francisco · $100K – $5M

How we know: Y Combinator's founder network · Not right? Tell us

Dentsu VenturesreportedTokyo

How we know: Y Combinator's founder network · Not right? Tell us

DG Daiwa VenturesreportedTokyo

How we know: Y Combinator's founder network · Not right? Tell us

Green Visor CapitalreportedNew York

How we know: Y Combinator's founder network · Not right? Tell us

Hard YakareportedMuir Beach

How we know: Y Combinator's founder network · Not right? Tell us

Mercury FundreportedHouston · $250K – $4Mvia Blair Garrou · board

How we know: a partner's Signal profile · board seat on SEC Form D · Not right? Tell us

Reported raises · per SEC filings

Form D private placements

$30.8M disclosed across 8 rounds · 2014–2019

▶$5MraisedSep 2019 · 1 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Blair GarrouDirector
  • Angela TucciExecutive Officer, Director
  • Jeffrey DiehlDirector
  • Tanner McGrawExecutive Officer, Director
  • Rok KoppExecutive Officer
  • Andrew GalweskyExecutive Officer
Offering amount
$5M
Amount sold
$5M
Sales commissions
$355K
Placement agents
Sparring Partners Capital LLP
First sale
Sep 2019
Incorporated
Corporation, Delaware
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$1.2MraisedJul 2019 · 13 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Traci A. SnowdenExecutive Officer, Promoter
  • Charles JungExecutive Officer
  • Maureen HigginsExecutive Officer
Offering amount
$1.5M
Amount sold
$1.2M
Minimum investment
$100K
First sale
Jan 2018
Incorporated
Limited Liability Company, Tennessee, 2015
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$1.9MraisedJul 2019 · 7 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Andrew GalweskyExecutive Officer
  • Tanner McGrawDirector
  • Angela TucciExecutive Officer, Director
  • Jeffrey DiehlDirector
  • Blair GarrouDirector
  • Rok KoppExecutive Officer
Offering amount
$1.9M
Amount sold
$1.9M
First sale
Jan 2019
Incorporated
Corporation, Delaware
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$5MraisedOct 2018 · 8 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Ron GerransExecutive Officer
  • David Tanner McGrawExecutive Officer, Director
  • Blair GarrouDirector
  • Angela TucciExecutive Officer, Director
  • Jeffrey DiehlDirector
Offering amount
$5M
Amount sold
$5M
First sale
Jun 2018
Incorporated
Corporation, Delaware
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$1.3MraisedFeb 2018 · 7 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Jeffrey DiehlDirector
  • David Tanner McGrawExecutive Officer, Director
  • Jennifer PanningExecutive Officer
  • Angela TucciExecutive Officer, Director
  • Blair GarrouDirector
Offering amount
$2.5M
Amount sold
$1.3M
First sale
Jan 2018
Incorporated
Corporation, Delaware
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$7.5MraisedMay 2017 · 9 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Jennifer PanningExecutive Officer
  • David Tanner McGrawExecutive Officer, Director
  • Jeffrey T DiehlDirector
  • Matthew FlakeDirector
  • Blair GarrouDirector
Offering amount
$7.5M
Amount sold
$7.5M
Proceeds to insiders
$1000K
First sale
Mar 2017
Incorporated
Corporation, Delaware
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$8MraisedAug 2015 · 9 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • David Tanner McGrawExecutive Officer, Director
  • Matthew FlakeDirector
  • Jeffrey DiehlDirector
  • Edward HillDirector
Offering amount
$8M
Amount sold
$8M
First sale
Aug 2015
Incorporated
Corporation, Delaware, 2011
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$975KraisedJul 2014 · 1 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • David Tanner McGrawExecutive Officer, Director
  • Edward HillDirector
Offering amount
$975K
Amount sold
$975K
First sale
Jul 2014
Incorporated
Corporation, Delaware, 2011
Federal exemptions
06b
Full filing on SEC EDGAR ↗

Source: SEC EDGAR Form D. Amounts as filed; amended filings shown once at their latest values.

Related companies · 5

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SlopeSlope provides a B2B payments platform that enables businesses to accept payments and offer financing, with a focus on digitizing the order-to-cash process for online commerce. The company uses generative AI to modernize traditionally manual B2B payment workflows.
PestoPesto Mastercard offers affordable credit for people with poor or limited credit history, positioning itself as an alternative to high-cost pawn loans. The product allows users to build credit history and improve credit scores through regular, on-time payments.
EmburseEmburse is a travel and expense management platform that helps organizations automate T&E processes, improve compliance, and gain spending visibility. The company serves enterprise teams managing corporate travel and expense administration.
SiftSift provides an AI-powered platform for fraud prevention and risk decisioning that helps digital businesses detect and manage online fraud. The platform serves companies across industries looking to reduce fraud losses while enabling secure growth.

Companies working in the same space as Apto.

Legal entities · 2

corporate structure
Apto Payments, Inc.
Shift Financial, Inc.

Frequently asked questions

What does Apto do?
Apto Payments offers a developer-friendly card issuing platform that lets fintech companies launch physical debit, virtual, corporate, and crypto card programs. It handles KYC, risk management, and custom card design, targeting founders and fintech businesses building card products.
Who founded Apto?
Apto was founded by Greg Kidd, Meg Nakamura in 2014.
Who are Apto's investors?
Apto's investors include AllMobile Fund, Baroda Ventures, Fenway Summer Ventures, General Catalyst, Kapor Capital, NTT DOCOMO Ventures, Peak XV Partners, Scrum Ventures and 11 more.
How much funding has Apto raised?
Apto has disclosed $30.8M raised across 8 rounds.
Who acquired Apto?
Apto was acquired by Buildout.
Where is Apto headquartered?
Apto is headquartered in San Francisco, US.