“Can Lavazza build a unified global payments and embedded finance infrastructure that supports both its B2B supply-chain financing (via Cofincaf) and its D2C digital commerce ambitions across seven international markets?”
Lavazza is a family-owned Italian coffee company founded in 1895 that has operated primarily as a consumer goods manufacturer and distributor. The company has progressively built embedded finance capabilities alongside its core business: establishing Cofincaf as an in-house captive finance entity to fund Food Service and vending channel partners, and now standardizing global payments infrastructure under Adyen as part of a strategic consolidation effort across seven markets. The Adyen partnership (2026) marks a deliberate shift from fragmented, market-by-market payment stacks to a unified global fintech platform spanning B2B and D2C channels.
Lavazza processes payments through Adyen.
Lavazza uses Adyen for FX and cross-border payouts.
Lavazza integrates with SAP Analytics Cloud.
The Embedded Finance Index 2026 maps 5 layers in Lavazza's stack: Payments / PSP (Adyen); Lending (Interest-free loans to Food Service customers (bars, cafés, hotels, restaurants), Interest-bearing loans to Food Service customers, Loans to Automatic Distribution sector customers, ESG sustainability-linked loans (min €20,000, 24–60 month term) and 4 others); Unified APIs (SAP Analytics Cloud); FX & payouts (Adyen); Accounting (SAP Analytics Cloud).
Lavazza was founded by Luigi Lavazza and is founded in 1895, headquartered in Turin, Italy (Via Bologna 32).
Get a read on where your own stack stands against Lavazza and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.