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Sectors & ecosystems

SMEs

Run your whole business from one screen, from collections to invoices.

Most SMEs run on a patchwork of POS devices, bank apps, an e-invoice portal, spreadsheets and phone calls to chase payments. Insurance agencies, car rental firms, jewellers and service businesses all lose time switching between tools. FinansZ puts payments, banking, pre-accounting and operations in one panel, with an AI assistant on hand around the clock.

Talk to us about your industry

Challenges we hear

01

Too many disconnected tools

POS, bank accounts, e-invoices and stock live in separate systems, so nobody sees the full picture.

02

Chasing payments by hand

Overdue receivables are tracked in notebooks and followed up by phone, which strains cash flow.

03

Every bank in a different app

Checking balances and matching incoming payments means logging into several bank apps every day.

04

Hard to access financing

Small businesses often lack the clear records lenders want, so financing arrives late or not at all.

How Paynion helps

FinansZ

Take payments by SoftPOS, virtual POS and payment links, see all bank accounts via open banking, and manage e-invoices, stock and current accounts in one panel.

Paynion HR Suite

Handle leave, attendance, shift scheduling and payroll without spreadsheets, even with a small team.

Financing Infrastructure

Access financing through the dealer and supplier programmes your bank or main supplier offers, directly where you place orders.

Gold Wallet

For jewellers, in R&D: a blockchain-based gold wallet exploring how physical gold could be moved into accounts digitally.

Use cases

An insurance agency collecting premiums

An agency sends payment links for renewals, sets up recurring collections and sees every payment matched to the right policyholder.

A car rental firm on the move

Staff take deposits by SoftPOS at vehicle handover, while bookings, invoices and staff shifts are managed from the same platform.

A jeweller going digital

A jeweller manages stock, sales and collections in one panel, and follows Paynion's R&D on moving physical gold into digital accounts.

How it works

A day of collections with FinansZ

  1. 1

    Connect your accounts

    Link your bank accounts via open banking and set up your e-invoice details.

  2. 2

    Sell and get paid

    Accept cards on your phone with SoftPOS or send a payment link to remote customers.

  3. 3

    Invoice automatically

    Issue the e-invoice or e-archive invoice from the same screen as the sale.

  4. 4

    Payments are matched

    Incoming payments are posted to the right current account and stock is updated.

  5. 5

    Ask the AI assistant

    Ask about cash position, overdue customers or today's sales at any time.

Sectors & ecosystems

See all industries

Automotive

Dealer financing, spare-parts ordering and collections for OEMs, distributors and their dealer networks.

  • Financing Infrastructure
  • FinansZ
  • Paynion Gate

White Goods & Electronics

Limit, order and collection management for brands and distributors with dense dealer and sub-dealer networks.

  • Financing Infrastructure
  • FinansZ

Agriculture

Input financing and collections for fertiliser, seed, feed and machinery dealers and cooperatives.

  • Financing Infrastructure
  • 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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