What does Mintoak do?

Mintoak Innovations Private Limited, founded in 2017 and based in Mumbai, India, is a fintech SaaS company that specializes in digital payments and commerce solutions for micro, small, and medium enterprises (MSMEs). The company offers a cloud-native, API-first platform that enables banks and merchant acquirers to provide omnichannel payment acceptance and customer engagement tools. Mintoak's services include smart transaction processing, credit tracking, and analytics, aimed at fostering merchant loyalty and business growth. With operations across six countries in South Asia, Africa, and the Middle East, Mintoak has successfully onboarded over 4 million merchants and processes more than 3 billion transactions annually. The company has raised $20 million in funding from notable investors, including PayPal Ventures. Mintoak's platform features tools for seamless merchant onboarding, gamified loyalty campaigns, and access to affordable credit, supporting rapid deployment and scalability for acquirers.