“Can a cross-border e-commerce SaaS platform built for Asian DTC merchants become the financial and operational backbone for global SMB commerce by embedding payments, lending, BNPL, tax, and insurance natively?”
Founded in 2017 as a Chinese-origin global e-commerce SaaS platform targeting DTC brands going cross-border, Shoplazza positioned itself as a Shopify alternative especially popular with Asia-Pacific merchants expanding globally. From 2022 onward, Shoplazza systematically embedded financial services into its platform — starting with Shoplazza Payments (built on Stripe), then layering in revenue-based financing (Choco Up, Clearco), BNPL (Afterpay, Klarna), shipping insurance (Seel), and tax automation (Avalara), evolving from a pure SaaS commerce platform toward a more comprehensive financial OS for cross-border e-commerce merchants.
Shoplazza processes payments through Stripe, Airwallex and Shoplazza Payments (self-operated, powered by Stripe).
Shoplazza's lending and capital products are provided by Klarna.
Shoplazza uses Airwallex and Stripe for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 4 layers in Shoplazza's stack: Payments / PSP (Stripe, Airwallex and Shoplazza Payments (self-operated, powered by Stripe)); Lending (Klarna, Choco Up E-Commerce Funding (Revenue-Based Financing, $100K–$10M) and Clearco equity-free capital ($10K–$20M, revenue-based)); Unified APIs (Rutter); FX & payouts (Airwallex and Stripe).
Shoplazza is founded in 2017 and headquartered in Markham, Ontario, Canada.
Get a read on where your own stack stands against Shoplazza 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.