Payment providers & acquirers

Acquirers and PSPs that own the merchant relationship and control the payment flow, so they can do split settlement: what Froda's revenue-based finance product runs on. Most have tried an MCA product before; Froda comes in as the more transparent alternative.

Who they are

Acquirers and PSPs that own the merchant relationship and control the payment flow.

Why Froda fits

• A complement and challenger to the MCA they likely already run, not a rip-and-replace.
• Froda approves a larger share of the merchant base: the credit model, built on transaction data, says yes to more of the long tail than typical MCA providers.
• A genuinely digital, in-flow process: financing happens in one automated flow on real transaction data, without manual steps or middlemen.
• Regulated, so pricing is transparent and fair: unlike unregulated MCA players, where hidden fees and unclear upfront pricing are common.
• Pan-European reach on one licence: matters for large, multi-market groups.

Value to the partner

• A strong new revenue stream: a well-monetised way to earn on customers they already process payments for.
• Reach more of their merchants: higher acceptance means more of the base can be funded.
• A better, safer product than the MCA they ran before: transparent pricing protects the partner's reputation.
• One partner for all of Europe instead of stitching together local providers.
• Stickier merchants: financing tied to the payment flow deepens the relationship.

Who's in the room

Champion: Head of Seller or Merchant Operations. Commercial owner: BD or Partnerships lead. Light technical review: usually a single integration engineer.

Objections to expect

• "Does this create risk for our platform?" Froda carries the credit risk.
• "How does this affect our seller relationship?" A benefit sellers thank them for.
• "Can we see it live somewhere similar?" Have a comparable reference ready.

Product fit

Best fit for the infrastructure model, transaction-triggered financing that surfaces at the moment of a real transaction, not a standalone loan page.

Typical offering fit

Froda-packaged revenue-based finance, repaid via split settlement on the merchant's card revenue. A packaged annuity loan can sit alongside it.