TL;DR: If you are replacing Milio, the closest options are Laminate, Satchel, Tally. 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 Milio (YC Winter 2023).
Last verified:
The three closest alternatives to Milio are:
| Alternative | What it does | Stage | Team | Status |
|---|---|---|---|---|
| Laminate | — | YC Winter 2023 | — | Active |
| Satchel | — | YC Summer 2018 | 8 | Inactive |
| Tally | — | YC Winter 2025 | 2 | Active |
| Zeal | Modern payroll for modern work | YC Summer 2019 | 45 | Active |
| Carbon-12 Labs | A Global Payouts API for Startups | YC Winter 2020 | — | Inactive |
| Fintoc | Account-to-Account payments in Mexico and Chile. | YC Winter 2021 | 60 | Active |
| Paribus | — | YC Summer 2015 | — | Acquired |
| Prospa | Banking for businesses | YC Winter 2021 | 70 | Active |
| Increase | API-first banking for ambitious technology companies. | YC Summer 2020 | 15 | Active |
| Duplo | Venmo for B2B in Africa | YC Winter 2022 | 13 | Active |
| Method Financial | Financial connectivity API for consumer liabilities | YC Summer 2019 | 50 | Active |
| Transfez | Brex for small businesses in Indonesia | YC Winter 2022 | 50 | Active |
It depends on your size. Laminate is the closest match on what Milio 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.
Milio 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 Milio 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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