SAPI provides an API-based embedded finance solution that enables payment companies to offer flexible credit products, such as merchant advances and instant payouts, to their business clients. This technology addresses the need for immediate access to funds and improved cash flow management for small and underserved businesses within the payment ecosystem.
Funding
$13.1M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Payment companies need to offer credit products to their business clients, but building and managing these products in-house can be complex and resource-intensive. Small and underserved businesses within the payment ecosystem often require immediate access to funds and improved cash flow management.
Solution
SAPI provides an API-based embedded finance solution that enables payment companies to offer flexible credit products to their business clients. The API allows payment companies to facilitate payment flows, attract and retain merchants, and unlock new revenue streams. SAPI offers products such as merchant advances, instant payouts, settlement pre-funding, and custom payment liquidity solutions. The platform streamlines operations, scales effortlessly, and offers an exceptional experience to payment company clients.
Target Audience
SAPI's primary customers are payment service providers (PSPs), payment facilitators (PayFacs), independent sales organizations (ISOs), independent software vendors (ISVs), marketplaces, and commercial brokers.
Features
- Cloud-based API delivers credit and liquidity infrastructure.
- Merchant Advance: Enables businesses to access upfront funding by selling a portion of their future payment receivables.
- Instant Payout: Empowers payment companies to give their business clients immediate access to funds.
- Settlement Pre-funding: Provides payment companies with liquidity to bridge settlement cycles.
- Custom Payment Liquidity: Delivers tailored credit solutions for payment companies to optimize cash flow.
- Secure and scalable infrastructure adapts to evolving needs.