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Financial institutions

Participation Banks

Grow your SME and trade business on ready digital infrastructure.

Participation banks are growing fast but often compete with far larger IT budgets. SME customers expect the same digital experience everywhere, and trade financing has to reach dealers and suppliers quickly. Paynion provides ready platforms for SME services, payments and dealer/supplier financing that you can configure to your own product structures and brand.

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Challenges we hear

01

Limited IT capacity for new products

Building SME platforms, POS services and payment integrations in-house competes with regulatory and core projects.

02

Trade finance stuck in paperwork

Dealer and supplier financing still depends on paper invoices and manual approvals, which slows disbursement.

03

SME customers want one digital home

Businesses juggle separate tools for collections, invoicing and accounts, and the bank is rarely at the centre.

04

Gold demand needs a digital answer

Gold accounts are central to participation banking, yet moving and tracking gold digitally is still fragmented.

How Paynion helps

FinansZ

Give SME customers a white-label business platform for collections, POS, e-invoicing and account management under your brand.

Financing Infrastructure

Run dealer and supplier financing digitally, with limit allocation, invoice capture and buyer approval configured to your own product rules.

Paynion MerchantHub

Launch virtual POS and merchant services on ready infrastructure, with a self-service portal for your merchants.

Paynion Gate

Connect FAST, open banking and Request to Pay through one layer, with clearing and reconciliation handled for you.

Gold Wallet

In R&D: a blockchain-based gold wallet to hold and transfer gold digitally on a transparent, immutable ledger.

Use cases

Digital dealer financing

A participation bank allocates limits to a distributor's dealer network; dealers use them for purchases and track repayments from one screen.

SME platform under your brand

SME customers collect payments by SoftPOS and virtual POS, send e-invoices and see all accounts in a bank-branded app.

Exploring digital gold

Paynion's R&D work explores how participation banks could move and track gold holdings on a blockchain ledger, in line with Turkey's blockchain-based gold initiatives.

How it works

How supplier financing works end to end

  1. 1

    Define the programme

    Set up buyers, suppliers, limits and rule sets according to your product structure.

  2. 2

    Capture invoices

    Supplier invoices are captured digitally instead of being collected on paper.

  3. 3

    Buyer approves

    The buyer confirms the invoices online, and the rules decide what is eligible.

  4. 4

    Funds are disbursed

    The supplier receives financing and payment flows into its account.

  5. 5

    Track and report

    Your team monitors limits, maturities and repayments from one panel.

Financial institutions

See all industries

Banks

Keep SME customers, onboard merchants faster and connect every payment rail through one layer.

  • FinansZ
  • Paynion MerchantHub
  • Paynion Gate
  • Financing Infrastructure
  • AI-Powered Chatbot & Fraud Assistant

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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