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Financial institutions

Banks

Win back SME banking with ready, white-label digital infrastructure.

SME customers increasingly run their collections, invoicing and accounting on fintech apps, and banks lose the daily relationship. At the same time, every new payment rail means another integration project for IT. Paynion gives banks ready, brandable products for SME, acquiring and payment operations, so you can launch new services without rebuilding your core.

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Challenges we hear

01

SME customers drifting to fintechs

Businesses manage payments, e-invoices and cash flow outside the bank, so the bank becomes just a place where money sits.

02

Every payment rail is a new project

FAST, open banking, Request to Pay, BKM and card schemes each need their own integration, testing and operations.

03

Slow, manual merchant onboarding

Virtual POS applications, document checks and error handling still rely on email chains and branch follow-up.

04

Financing that never reaches the dealer

DBS, dealer and supplier finance programmes are hard to digitise end to end, so limits sit unused.

How Paynion helps

FinansZ

Offer SME customers a complete business platform under your own brand: collections, POS, e-invoices, pre-accounting and all bank accounts in one panel.

Paynion MerchantHub

Run virtual POS, merchant management and a self-service merchant portal on ready infrastructure, with pricing and monitoring tools for your team.

Paynion Gate

Connect FAST, open banking, Request to Pay, BKM and Visa Direct through one integration and operations layer, with automated reconciliation.

Financing Infrastructure

Digitise DBS, dealer and supplier finance programmes so limits and invoices flow straight to the businesses that need them.

AI-Powered Chatbot & Fraud Assistant

Add machine-learning anomaly detection and adaptive risk scoring to digital payment flows, plus 24/7 AI support for merchants and developers.

Use cases

A branded SME super-app

A bank offers its SME customers a FinansZ-based platform under its own brand, so collections, SoftPOS and e-invoicing happen inside the bank's ecosystem.

Dealer finance at the point of sale

A bank's commercial team gives a manufacturer's dealer network digital limits; dealers order, pay and track DBS invoices from one screen.

How it works

How a bank launches a white-label SME platform

  1. 1

    Scope and branding

    Choose the modules for your SME segments and apply your brand to web and mobile.

  2. 2

    Connect core systems

    Paynion integrates the platform with your core banking, POS and payment infrastructure.

  3. 3

    Onboard SME customers

    Customers sign up through your channels and connect their accounts, POS and e-invoicing.

  4. 4

    Collect and manage daily

    Businesses take payments, issue invoices and track cash flow inside your platform.

  5. 5

    Offer the next product

    With a clear view of business activity, you offer financing and banking products in context.

Financial institutions

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Participation Banks

Digital SME, payment and trade-finance infrastructure for participation banks, with gold innovation in R&D.

  • FinansZ
  • Financing Infrastructure
  • Paynion MerchantHub
  • Paynion Gate
  • Gold Wallet

E-Money & Payment Institutions

Launch wallets, cards and transfers on a ready core instead of building ledger, KYC and integrations from scratch.

  • Paynion CoreHub
  • Paynion Gate
  • AI-Powered Chatbot & Fraud Assistant
  • Gold Wallet

Financing Companies

Take consumer finance, leasing and factoring to dealers and suppliers on ready digital infrastructure.

  • Financing Infrastructure
  • Paynion Gate
  • FinansZ

Let's launch your first product without touching your existing systems

Tell us which product you want to start with — we'll shape the PoC together.

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