TL;DR: If you are replacing Dots 💸, the closest options are Satchel, Tally, Carbon-12 Labs. The table below compares 12 alternatives on what they do, stage, size and status.
Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces Dots 💸 (YC Summer 2021).
Last verified:
The three closest alternatives to Dots 💸 are:
| Alternative | What it does | Stage | Team | Status |
|---|---|---|---|---|
| Satchel | — | YC Summer 2018 | 8 | Inactive |
| Tally | — | YC Winter 2025 | 2 | Active |
| Carbon-12 Labs | A Global Payouts API for Startups | YC Winter 2020 | — | Inactive |
| Laminate | — | YC Winter 2023 | — | Active |
| Paribus | — | YC Summer 2015 | — | Acquired |
| Duplo | Venmo for B2B in Africa | YC Winter 2022 | 13 | Active |
| Fintoc | Account-to-Account payments in Mexico and Chile. | YC Winter 2021 | 60 | Active |
| Apollo | Payments & Loyalty Infrastructure | YC Winter 2022 | 11 | Active |
| Consul | The Stablecoin Payouts Platform | YC Winter 2024 | 2 | Active |
| Wave | Mobile money app for Africa | YC Winter 2012 | 1600 | Active |
| Grade | API for performance-based payroll | YC Winter 2026 | 2 | Active |
| Y Combinator | Make something people want. | YC Unspecified | 100 | Active |
It depends on your size. Satchel is the closest match on what Dots 💸 actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.
Dots 💸 is still operating, so switching is a choice rather than a forced migration. Compare on fit and price rather than urgency.
Every company here is Y Combinator-backed and was matched to Dots 💸 on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.
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