“Yes. Adyen offers both business accounts and working capital financing.”
“In fact, Adyen has a fairly comprehensive embedded finance offering.”
“Adyen assesses merchants using their payment processing history.”
“Eligible merchants receive pre-approved financing offers.”
“Repayments are automatically deducted as a fixed percentage of daily processed sales.”
“Financing uses a fixed fee rather than a conventional interest-based repayment structure.”
“Through Adyen's embedded business accounts, platforms can give their merchants:”
“Its strategy is particularly interesting because it allows a SaaS company, marketplace or vertical platform to become a financial services provider without having to build its own banking and lending infrastructure.”
“Germany is not currently listed in Adyen's published Capital eligibility documentation, so availability should not be assumed for German merchants.”
“PayPal: Offers payment services, business accounts and merchant financing directly to businesses.”
“Embedded finance for platforms | Yes | More limited | More limited”
“Square: Offers an integrated financial ecosystem directly to its merchant customers.”
“Embedded finance for platforms | Yes | More limited | More limited”