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JustiFi: Fintech infrastructure SaaS platform providing AI-powered payment processing and fee optimization for vertical SaaS platforms.
JustiFi, headquartered in Minneapolis, Minnesota, provides payments and fintech infrastructure for vertical SaaS platforms, enabling them to integrate sophisticated payment processing and reduce fees. The company operates on a SaaS platform licensing model, commercializing its proprietary payments software and intelligence. Its AI-powered decision engine analyzes transactions to dynamically optimize rates at the interchange level, becoming smarter over time to boost profitability for clients. JustiFi has raised series seed funding, co-led by investors Rally Ventures and Emergence Capital. In December 2025, Brett MacKinnon was named CEO, succeeding co-founder Joe Keeley, with plans to increase headcount by 30%. Its business model centers on saaS platform licensing to vertical SaaS companies, commercializing proprietary payments software and intelligence. The firm focuses on vertical SaaS platforms needing fintech integration for payments.
JustiFi has raised $11.0M across 2 funding rounds.
JustiFi has raised $11.0M in total across 2 funding rounds.
JustiFi is a Minneapolis-based fintech startup that builds an embedded fintech platform tailored for vertical SaaS platforms and franchise networks.[1][2][3] It offers a full-stack, white-label solution including payments, Buy Now Pay Later (BNPL), insurance, and lending, enabling platforms to integrate these services via a single API while retaining full data ownership and PayFac (Payment Facilitator) economics without operational complexity.[1][2][6] JustiFi solves the trade-offs of legacy processors—such as choosing between easy integration or customization, and decent pricing or additional products—by providing a complete ecosystem that monetizes funds flow and creates new revenue streams.[1][2] The company has raised $6.6 million in seed funding, signaling strong early momentum in the embedded finance space.[3]
JustiFi emerged from the founders' extensive experience building vertical SaaS platforms with billions in funds flow over 15 years, including a multi-billion-dollar fintech platform that took a decade and millions to develop.[1] After successful exits, the team created JustiFi as the infrastructure they wished existed: a simple, customizable fintech stack for platform ecosystems without the burdens of traditional systems.[1] Headquartered in Saint Paul, Minnesota, the company has grown to under 25 employees and secured a $6.6 million seed round co-led by Rally Ventures and Emergence Capital, marking a pivotal moment in scaling its embedded payments focus.[3]
JustiFi rides the embedded finance wave, where vertical SaaS platforms and franchise networks increasingly integrate fintech to capture funds flow and diversify revenue amid rising demand for seamless, white-label financial services.[1][2] Timing is ideal as platforms seek alternatives to fragmented legacy processors, fueled by market forces like digital transformation in franchising and SaaS ecosystems, plus regulatory shifts favoring data sovereignty and PayFac models.[1][3] By enabling non-fintech platforms to monetize payments and adjacent services effortlessly, JustiFi influences the ecosystem by accelerating adoption of embedded lending and insurance, lowering barriers for mid-market SaaS players, and fostering innovation in underserved verticals like franchising.[2][6]
JustiFi is poised to expand its platform with deeper integrations for emerging products like advanced lending analytics, capitalizing on seed funding to target more vertical SaaS niches and franchise growth.[3] Trends such as AI-driven underwriting and global payments expansion will shape its trajectory, potentially driving multi-million ARR as embedded finance matures.[1] Its influence could evolve from niche enabler to category leader, empowering platforms to own their financial destiny—transforming industries just as its builders envisioned.[1]
JustiFi has raised $11.0M in total across 2 funding rounds.
JustiFi's investors include Crosslink Capital, 645 Ventures, A Capital, Album VC, AllegisCyber Capital, Ankona Capital, Craft Ventures, Divergent Capital, Emergence Capital, Gradient Ventures, Gutter Capital, Hack VC.
JustiFi has raised $11.0M across 2 funding rounds. Most recently, it raised $4.0M Seed in April 2022.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Apr 1, 2022 | $4.0M Seed | Crosslink Capital | 645 Ventures, A Capital, Album VC, AllegisCyber Capital, Ankona Capital, Craft Ventures, Divergent Capital, Emergence Capital, Gradient Ventures, Gutter Capital, Hack VC, Innovation Endeavors, Insight Partners, Liquid 2 Ventures, Magnetic Ventures, Oyster Ventures, Pareto Holdings, Pear VC, Pelion Venture Partners, Rally Ventures, Stage 2 Capital, TSVC Capital, UpHonest Capital, Matt Garratt, Y Combinator, Dmitry Dakhnovsky, Hugues De Braucourt, Jaan Tallinn, Lily Sarafan, Ronny Conway, Tom Williams |
| Dec 1, 2021 | $7.0M Seed | 645 Ventures, AllegisCyber Capital, Ankona Capital, Divergent Capital, Emergence Capital, Gutter Capital, Insight Partners, Oyster Ventures, Pear VC, Rally Ventures, Stage 2 Capital, UpHonest Capital, Hugues De Braucourt, Jaan Tallinn, Lily Sarafan, Tom Williams |