Paynt
“Can a European SMB payments provider become the embedded financial OS for small merchants by layering capital and banking products on top of its payment rails?”
HQEurope
IndustryFintech / SMB banking
The story
Paynt is a European payments provider focused on SME merchants, offering card machines, payment processing, and embedded financial products. In late 2022 the company expanded beyond pure payments by launching Paynt Funding, a merchant cash advance product with dynamic revenue-based repayments, signalling a move toward an embedded finance stack for SMBs. The PayEasy brand appears to operate as a partner or white-label front-end for Paynt's payment and funding infrastructure in the Irish market.
Product timeline
2022
Launched Paynt Funding, a fully embedded cash advance solution providing merchants with revenue-based repayments and no fixed monthly payments.· lending
The stack
2 layers disclosed in Paynt’s embedded-finance stack
Payments / PSP
Lending
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.