TL;DR: If you are replacing Union54, the closest options are Satchel, Tally, Paribus. 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 Union54 (YC Summer 2021).
Last verified:
The three closest alternatives to Union54 are:
| Alternative | What it does | Stage | Team | Status |
|---|---|---|---|---|
| Satchel | — | YC Summer 2018 | 8 | Inactive |
| Tally | — | YC Winter 2025 | 2 | Active |
| Paribus | — | YC Summer 2015 | — | Acquired |
| Duplo | Venmo for B2B in Africa | YC Winter 2022 | 13 | Active |
| Wave | Mobile money app for Africa | YC Winter 2012 | 1600 | Active |
| Laminate | — | YC Winter 2023 | — | Active |
| Bits | Bits is a credit card designed to help people build credit | YC Summer 2020 | 15 | Active |
| Prospa | Banking for businesses | YC Winter 2021 | 70 | Active |
| Kodo | Corporate card & spend management platform for Indian startups | YC Winter 2021 | 45 | Active |
| Zeal | Modern payroll for modern work | YC Summer 2019 | 45 | Active |
| InstaKin | Financial Platform for Migrant Families in America | YC Summer 2021 | 15 | Active |
| Mythia | Rewards card for gamers | YC Winter 2021 | — | Inactive |
It depends on your size. Satchel is the closest match on what Union54 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.
Union54 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 Union54 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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