The 2026 B2B2C 100
Sell to the business. Serve the consumer. Own the connection between them.
Every company on this list is analyzed through one lens: the Partner who pays, the Person who consumes, and the Platform that connects the two.
The most valuable companies in America almost never meet their real customers. Shopify has never sold you sneakers. Stripe has never charged your card for coffee. Instacart owns zero grocery stores. Yet all three sit between millions of businesses and hundreds of millions of consumers, monetizing every interaction they enable. That is the B2B2C model: sell to the business, serve the consumer, own the connection between them.
This is the definitive 2026 list of the top 100 B2B2C companies in the USA. Every entry is analyzed through one lens, the P3 Lens: the Partner (the business that pays), the Person (the consumer who uses it), and the Platform (the mechanism connecting the two). If a company lacks any of the three, it is not B2B2C.
100
Companies profiled
8
Industry clusters
500+
In the full database
Key Takeaway
B2B2C companies monetize the relationship between businesses and consumers. Their buying committees mirror that two-sided structure, which is exactly why they are hard to prospect.
Tier 1 · Market Leadership
The Industry Titans: Ranks 1 to 5
These five run the largest two-sided engines in American commerce. Each is broken down through the P3 Lens: the Partner who pays, the Person who consumes, and the Platform that connects them.
Rank 01
Amazon Marketplace
Marketplace and Commerce Infrastructure | HQ: Seattle, WA
Amazon is usually filed under B2C, and that misses where the money comes from. The majority of units sold on Amazon come from third-party sellers, not Amazon retail. Marketplace, FBA, and Amazon Ads together form the largest B2B2C engine in the world.
Partner
Over 2 million active third-party sellers, from garage-scale FBA entrepreneurs to enterprise brands, paying referral fees, fulfillment fees, and large advertising budgets.
Person
US Prime households and everyday shoppers who see one seamless storefront and never think about which seller shipped the box.
Platform
Seller Central, FBA logistics, and the Buy Box algorithm. The seller owns the product; Amazon owns the customer, the trust, and the delivery promise.
Why it leads: Amazon proved the core B2B2C thesis at planetary scale: the intermediary that owns consumer trust can charge businesses almost anything for access to it.
Who runs the engine internally: Marketplace and seller services leadership, category managers, partner development managers, and the Amazon Ads sales org.
Rank 02
Shopify
Commerce Enablement | Commerce backbone for millions of US merchants
Shopify sells the tools of commerce to businesses, then quietly becomes part of every purchase those businesses make.
Partner
Millions of merchants, from first-time founders to Shopify Plus enterprises, paying subscriptions, payment fees, and app revenue shares.
Person
The shopper checking out on any Shopify-powered store, increasingly recognizable through Shop Pay and the Shop app.
Platform
The storefront engine plus Shop Pay, which converts merchant-by-merchant relationships into a persistent consumer identity layer across the whole network.
Why it matters in 2026: Shopify has pushed deepest into agentic commerce, structuring its checkout and catalogs for AI shopping assistants. When an agent buys on a consumer’s behalf, the platform that structured the data wins the order.
Who runs the engine internally: Merchant success and partnerships, the Shop app product org, payments leadership, channel and agency partner managers.
Ranks 3 to 5: Stripe, Instacart, Uber ▾
Rank 03
Stripe
Payments and Embedded Finance Infrastructure | HQ: South San Francisco, CA
Stripe may be the purest B2B2C company on this list: consumers interact with it constantly and almost never see its name.
Partner
Millions of businesses, from startups to a large share of the Fortune 500, integrating payments, billing, and financial services via API.
Person
Anyone entering a card number into a modern checkout. Speed, saved credentials via Link, and local payment methods are Stripe’s product, delivered under someone else’s brand.
Platform
APIs and embedded components. Stripe Connect lets platforms onboard their own sellers, making Stripe effectively B2B2B2C.
Why it matters in 2026: Embedded finance became default architecture. Software platforms in every vertical now monetize payments, mostly on rails like Stripe’s.
Who runs the engine internally: Platform partnerships, developer relations, vertical GTM leads, enterprise sales engineering.
Rank 04
Instacart (Maplebear Inc.)
Grocery Technology and Retail Media | HQ: San Francisco, CA
Instacart looks like a consumer delivery app. Its business model says otherwise: it is enterprise software and advertising infrastructure for the grocery industry.
Partner
Grocery retailers using Instacart for e-commerce storefronts, fulfillment, and in-store technology, plus CPG brands buying retail media against purchase intent.
Person
Households ordering through the Instacart app or through retailer websites Instacart powers behind the scenes.
Platform
A three-sided marketplace (retailers, shoppers, CPG advertisers) plus white-label storefronts under the retailer’s own brand.
Why it matters in 2026: Retail media is the fastest-compounding revenue line in commerce, and Instacart holds item-level purchase data at the moment of decision.
Who runs the engine internally: Retail partnerships, Instacart Platform enterprise sales, brand partnerships and ads leadership.
Rank 05
Uber (Uber Eats and Uber for Business)
Mobility and Local Commerce | HQ: San Francisco, CA
Uber’s rides business is classic B2C. What earns it this ranking is everything wrapped around it: Uber Eats, Uber for Business, Uber Health, and Uber Direct.
Partner
Hundreds of thousands of restaurants and retailers on Eats; employers running travel and meal programs; health plans arranging patient transport; merchants using Uber Direct as white-label delivery.
Person
Diners, commuting employees, patients, and shoppers, all served through a consumer experience the partner never has to build.
Platform
One shared logistics network exposed through multiple front doors: dashboards and APIs for partners, one familiar app for consumers.
Why it matters in 2026: Uber shows the B2B2C endgame: once the consumer network exists, every new B2B product line monetizes the same asset at minimal marginal cost.
Who runs the engine internally: Uber for Business sales, Uber Health partnerships, Eats merchant operations, enterprise account management.
Stop guessing at org charts
Need verified contacts at these five and 95 more like them?
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Tier 2 · Scaled Operators
The Challengers: Ranks 6 to 30
The next 25 companies are scaled operators, each running a proven two-sided engine. Every row follows P3 logic: the partner who pays, the platform that connects, the person who consumes.
| Rank | Company | Category | Intermediary Platform (B2B side) | Target End-User (B2C side) |
| 6 | DoorDash | Local Commerce and Delivery | Restaurants, grocers, retailers on Marketplace and Drive | Diners and local shoppers |
| 7 | Toast | Restaurant Technology | Restaurants running POS, payroll, digital ordering | Diners ordering and paying |
| 8 | Block (Square) | Commerce and Payments | SMB sellers using Square POS and banking | Shoppers in person and via Cash App |
| 9 | PayPal | Payments and Checkout | Merchants embedding PayPal and Braintree | Consumers paying across millions of stores |
| 10 | Affirm | Embedded Finance and BNPL | Retailers embedding pay-over-time at checkout | Shoppers financing purchases |
| 11 | Plaid | FinTech Infrastructure | Fintech apps and banks connecting via API | Consumers linking bank data to apps |
| 12 | Marqeta | Card Issuing Infrastructure | Brands and fintechs launching card programs | Cardholders on branded cards |
| 13 | Fiserv (Clover) | Merchant Services | SMBs and banks deploying Clover systems | Shoppers at the counter |
| 14 | Expedia Group | Travel Technology | Hotels, airlines, B2B travel partners | Travelers booking trips |
| 15 | Airbnb | Hospitality Marketplace | Hosts and property managers | Guests booking stays |
Ranks 16 to 30: 15 more challengers ▾
| 16 | Zillow | PropTech | Agents, lenders, property managers | Homebuyers, sellers, renters |
| 17 | Etsy | Creator Marketplace | Independent sellers and makers | Buyers seeking unique goods |
| 18 | eBay | Marketplace | Professional and casual sellers | Bargain and collectible buyers |
| 19 | Walmart Marketplace | Retail Marketplace | Third-party sellers and WFS | Walmart.com shoppers |
| 20 | GoDaddy | Web and Commerce Enablement | SMBs building sites, stores, payments | The SMBs’ own customers |
| 21 | Squarespace | Web and Commerce Enablement | Creators and small businesses | Their visitors and buyers |
| 22 | Mindbody | Wellness Technology | Fitness studios, salons, spas | Members booking classes |
| 23 | Olo | Restaurant Ordering Infrastructure | Enterprise restaurant brands | Diners on brand apps and sites |
| 24 | ServiceTitan | Home Services Software | HVAC, plumbing, electrical contractors | Homeowners booking service |
| 25 | OpenTable | Dining Technology | Restaurants managing reservations | Diners booking tables |
| 26 | Teladoc Health | Virtual Care | Employers and health plans | Patients and plan members |
| 27 | Zocdoc | Healthcare Marketplace | Medical practices filling slots | Patients booking doctors |
| 28 | Klaviyo | Marketing Automation | E-commerce brands orchestrating messaging | Consumers receiving campaigns |
| 29 | Grubhub | Food Delivery | Restaurants on marketplace and campus programs | Diners and students |
| 30 | Lyft | Mobility | Employers, health plans, transit agencies | Riders and patients |
Tier 3 · The Full Landscape
Ranks 31 to 100: Six Industry Clusters
The remaining 70 companies are grouped into six industry clusters. Expand the sectors relevant to your ICP. Each row shows the partner they sell to and the consumer they ultimately serve.
FinTech, Embedded Finance and BNPL Ranks 31 to 42
View 12 FinTech and Embedded Finance platforms ▾
| Rank | Company | Intermediary Platform (B2B side) | Target End-User (B2C side) |
| 31 | Synchrony Financial | Private-label credit and financing for retailers and health providers | Consumer cardholders |
| 32 | FIS | Banking and payments tech for financial institutions and merchants | Consumers via cards and digital banking |
| 33 | Global Payments | Payment processing and software for merchants | Shoppers whose transactions it moves |
| 34 | Bread Financial | Branded payment, loyalty, BNPL programs for retailers | Retail shoppers |
| 35 | Green Dot | Banking-as-a-service for brands and employers | Consumers under partner brands |
| 36 | Pathward | Bank behind fintech, tax, and payment programs | Consumers who never see the name |
| 37 | Sezzle | BNPL embedded in retailer checkouts | Shoppers on installment plans |
| 38 | Sunbit | POS financing for auto, dental, eyewear businesses | Their in-store customers |
| 39 | Highnote | Card issuing and embedded finance for platforms | End users of branded card products |
| 40 | Lithic | Card issuing APIs for companies | End users spending on issued cards |
| 41 | Unit | Embedded accounts, cards, lending for software platforms | The platforms’ users |
| 42 | MoneyLion | Embedded finance engine for partner brands | Consumers offered financial products |
HealthTech and Employee Benefits Ranks 43 to 54
View 12 HealthTech and Benefits platforms ▾
| Rank | Company | Intermediary Platform (B2B side) | Target End-User (B2C side) |
| 43 | Included Health | Care navigation sold to employers | Employees and families |
| 44 | Hinge Health | Digital MSK care for employers and plans | Members with back and joint pain |
| 45 | Omada Health | Chronic condition programs for employers and plans | Covered populations |
| 46 | Lyra Health | Mental health benefits for employers | Employees seeing therapists and coaches |
| 47 | Spring Health | Precision mental healthcare via employers | Employees with personalized care plans |
| 48 | Maven Clinic | Women’s and family health benefits for employers | Members through fertility and parenting |
| 49 | Progyny | Fertility benefits administered via employers | Employees building families |
| 50 | Carrot Fertility | Global fertility care for employers | Employees on family-building journeys |
| 51 | Headspace | Mindfulness via employer channel | Workforces using meditation support |
| 52 | Sword Health | AI-guided physical therapy for employers and insurers | Members treated at home |
| 53 | Phreesia | Patient intake software for practices | Patients before every visit |
| 54 | GoodRx | Savings network across pharmacies, PBMs, pharma | Consumers seeking affordable medications |
Retail, Commerce and Delivery Enablement Ranks 55 to 66
View 12 Commerce Enablement platforms ▾
| Rank | Company | Intermediary Platform (B2B side) | Target End-User (B2C side) |
| 55 | BigCommerce | Enterprise e-commerce platform for brands | Millions of online shoppers |
| 56 | Attentive | SMS and email marketing for e-commerce brands | Consumer subscribers |
| 57 | Postscript | SMS revenue platform for Shopify brands | Subscribers turned repeat buyers |
| 58 | Gorgias | AI customer service for e-commerce brands | Shoppers asking questions |
| 59 | Bazaarvoice | Reviews and UGC syndication for brands and retailers | Consumers deciding what to buy |
| 60 | Salsify | Product experience management for brands | Consumers viewing product content |
| 61 | Narvar | Post-purchase tracking and returns for retailers | Customers after every order |
| 62 | Loop Returns | Returns management for Shopify brands | Customers exchanging instead of refunding |
| 63 | Happy Returns (UPS) | Box-free return network for merchants | Shoppers dropping off in person |
| 64 | ShipBob | Fulfillment network for e-commerce brands | End customers receiving orders |
| 65 | Route | Package protection embedded at checkout | Consumers protecting their orders |
| 66 | Wonder | Food hall and delivery platform, including Grubhub ecosystem | Diners ordering restaurant brands |
Travel, Hospitality and Mobility Ranks 67 to 76
View 10 Travel and Mobility platforms ▾
| Rank | Company | Intermediary Platform (B2B side) | Target End-User (B2C side) |
| 67 | Priceline | Hotel and airline supply partners | Price-conscious travelers |
| 68 | Tripadvisor | Hotel, restaurant, experience partners | Travelers researching and booking |
| 69 | Kayak | Airline, hotel, OTA partners | Travelers comparing prices |
| 70 | Sabre | Airlines and hotels via GDS | The traveling public |
| 71 | Travelport | Airline and hotel content to agencies | Travelers served by agencies |
| 72 | Navan | Corporate travel and expense for companies | Traveling employees |
| 73 | Turo | Hosts listing vehicles | Everyday drivers booking cars |
| 74 | Vacasa | Vacation rental management for homeowners | Traveling guests |
| 75 | HotelTonight (Airbnb) | Partner hotel inventory | Spontaneous travelers |
| 76 | Rover | Pet sitters and walkers | Pet parents nationwide |
EdTech and Workforce Development Ranks 77 to 88
View 12 EdTech and Workforce platforms ▾
| Rank | Company | Intermediary Platform (B2B side) | Target End-User (B2C side) |
| 77 | Coursera | Universities, industry partners, employers | Learners earning credentials |
| 78 | Udemy | Marketplace instructors and Udemy Business | Individual learners and employee seats |
| 79 | Guild | Education-as-a-benefit for major employers | Frontline employees upskilling |
| 80 | Instructure (Canvas) | LMS for schools and universities | Students and instructors daily |
| 81 | PowerSchool | K-12 software for districts | Students and parents at scale |
| 82 | Handshake | Universities and employers | Students landing first jobs |
| 83 | BetterUp | Coaching platforms for enterprises | Employees in 1:1 development |
| 84 | Degreed | Skills platform for enterprises | Workforce on growth paths |
| 85 | Skillsoft | Corporate learning content for organizations | Employees across thousands of firms |
| 86 | ClassDojo | Classroom platform for teachers and schools | Parents and students |
| 87 | Remind | School communication for administrators | Families staying informed |
| 88 | Amplify | Curriculum and assessment for districts | Students in the classroom |
PropTech, InsurTech and Home Services Ranks 89 to 100
View 12 PropTech and InsurTech platforms ▾
| Rank | Company | Intermediary Platform (B2B side) | Target End-User (B2C side) |
| 89 | Angi | Pro contractors buying demand | Homeowners hiring for projects |
| 90 | Thumbtack | Local pros buying leads | Consumers hiring for projects |
| 91 | Houzz | Design pros and product sellers | Renovating homeowners |
| 92 | Porch | Inspection and utility partners | New homeowners moving in |
| 93 | Compass | Technology-equipped agents | Buyers and sellers |
| 94 | CoStar (Homes.com, Apartments.com) | Brokers and property managers | Consumers hunting homes and rentals |
| 95 | AppFolio | Property management software for operators | Millions of renters via portals |
| 96 | RealPage | Property management tech for owners and managers | The renters they house |
| 97 | SmartRent | Smart home tech for property operators | Residents living with it daily |
| 98 | Assurant | Protection products via carriers, lenders, managers | Consumers with device and renters coverage |
| 99 | Hippo | Home insurance via homebuilders and partners | New homeowners |
| 100 | Matic | Insurance marketplace inside mortgage servicers | Borrowers quoted at closing |
The Two-Org-Chart Problem
How to Sell Into B2B2C Companies
Here is the pattern you just read 100 times: every company on this list has two customer bases, and therefore two org charts stitched together.
Partner-Facing Org
Partnership managers, merchant success leaders, channel teams, procurement directors.
Consumer-Facing Org
Product, growth, and consumer marketing leadership.
A B2B2C company does not have one “decision maker.” The budget you want usually sits at the seam between those two organizations, owned by VP-level operators whose titles do not appear in generic contact lists.
That is why standard prospecting data fails against B2B2C accounts: a list that collapses Instacart into “marketing decision makers” cannot separate retailer partnerships from CPG ad sales from enterprise platform deals. Three buying centers, three pitches, one company.
The Takeaway
To sell into a B2B2C company, your data has to mirror its structure: role-mapped contacts on both sides of the platform, verified against the technologies each team runs.
Verified Contact Data
Need Direct Contact Data for These B2B2C Enterprises?
Targeting platforms that operate B2B2C models requires reaching specific partnership managers, procurement directors, and VP-level decision-makers, not generic info@ inboxes.
Request a customized sample list tailored to your ICP, drawn from 500+ verified B2B2C companies across the USA. Every record is human-verified by Span Global Services and mapped to role, department, and technology stack.
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Quick Answers
Frequently Asked Questions
What is a B2B2C company?
A B2B2C company sells its platform to a business, which uses it to serve end consumers. Stripe powering a store’s checkout or Hinge Health delivering care through an employer are classic examples.
How is B2B2C different from B2B and B2C?
B2B sells to businesses, B2C sells to consumers. B2B2C does both in one motion: the business signs the contract, the consumer uses the product, and the platform monetizes the connection.
Is Amazon a B2B2C company?
Amazon retail is B2C, but Amazon Marketplace is B2B2C: third-party sellers pay fees to reach Amazon’s shoppers through Seller Central and FBA.
What are the biggest B2B2C industries in 2026?
Embedded finance, marketplace commerce, restaurant technology, employer-purchased health benefits, travel distribution, EdTech, and PropTech. Embedded finance and employer health benefits are growing fastest.
How do you sell to a B2B2C company?
Map both sides of their model, then target the specific VP-level owners of that motion with role-verified contact data. Generic “decision maker” lists fail because these companies run multiple distinct buying centers.
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