Financing that boosts your customers’
sales and your revenue
Whether you run a marketplace, a payment platform, or an e-commerce site, your business customers need capital to grow.
With PragmaGO, you can offer them a loan in 3 minutes or a deferred payment in 90 seconds. There’s no risk to you, and you’ll earn a commission on every repayment.
BNPL B2B for purchases in your store
- Defer payment for 14, 30, or 60 days, or spread it out over 3–12 installments
- Decision in 90 seconds, financing up to 50,000 PLN
- PragmaGO assumes 100% of the insolvency risk
- An average increase in conversion rates of up to 40% and a 60% increase in the number of orders
Merchant Cash Advance
- Financing of up to 300,000 PLN, not exceeding 300% of the customer’s average monthly sales
- Decision in 90 seconds, funds disbursed within 24 hours
- Automatic repayment as a percentage of daily turnover or in fixed installments
- Revenue share paid monthly based on customer payments
Not every partner is the same. Neither are our solutions.
Some partners need deferred payment services for businesses in their stores (that are just as good as those for consumers).
Other partners are looking for a simple loan for the companies they work with.
We address both of these needs and select the right implementation model for your business.
E-commerce i marketplace B2B
When PragmaPay is available in the shopping cart, it increases the average order value and boosts conversion rates by as much as 20–40%. Customers can defer payment for their purchases by up to 90 days, but you receive the money right away.
Payment platforms, terminal operators, service marketplaces, merchant portals
PragmaCash is a simple loan for your customers—available entirely online, with no need to submit documents, and a decision issued in 3 minutes. It uses transaction or sales data from your platform to offer customers a loan tailored to their actual sales.
Safe and proven solutions for your customers
Experience
We are a Polish fintech company with 30 years of experience in SME financing. We operate under the ongoing supervision of the Polish Financial Supervision Authority.
A trustworthy partner
Our financial services—deferred payments for businesses and business loans—have been implemented at over 720 merchants and within the ecosystems of major business partners, true market leaders (including Allegro, Polskie ePłatności, Przelewy24 (Nexi Group), PayTel, PayU, Tpay, Elzab, Pluxee, and Glovo).
Technology
We have a 45-person IT team that develops our embedded lending technologies and tailors our lending service processes to our partners’ expectations. All of our financial products are developed in-house and operate in accordance with the National Cybersecurity System. We hold ISO 27001 and ISO 22301 certifications .
From signing the contract to your first payment in 3 steps
PragmaPay
1
Integration
You can choose between a plugin (Shoper, Magento, PrestaShop), a ready-made integration (PayU, Tpay, Comfino), or an API-based implementation. We’ll provide you with the documentation right away.
2
Choice
Your customer selects PragmaPay in the shopping cart and chooses to defer payment or pay in installments. After the business account is verified, the customer receives a decision within 90 seconds.
3
Bank Transfer
We pay for the purchases, so you get paid right away and can fulfill the order. The customer pays us, and you don’t have to worry about a thing.
PragmaCash – Merchant Cash Advance
1
Integration
We perform this via the REST API. We configure the widget in your environment. It takes 4–6 weeks from the workshop to production deployment.
2
Conclusion
After logging in, the customer immediately sees a personalized offer (a pre-approved limit). They fill out the form, calculate the cost of the loan using the on-screen calculator, and submit the application. They receive a decision within 3 minutes and sign the agreement using an SMS code.
3
Payment
Every month, you receive a revenue share, the amount of which depends on actual customer repayments. We handle the entire loan lifecycle.
Frequently Asked Questions
How is PragmaPay different from PragmaCash?
PragmaPay is a B2B BNPL service available directly from the shopping cart in your online store: with this service, your customers pay for their purchases later or in installments, and you receive the money right away.
PragmaCash is a business loan integrated into your platform. Your customer sees a loan offer in their customer dashboard with a pre-approved limit calculated specifically for them, submits an application, and receives a decision within 3 minutes. We handle all aspects of the loan, including financing and risk management.
Who bears the risk of a customer’s insolvency?
As a general rule, PragmaGO assumes 100% of the credit risk and handles debt collection. A partner may choose to assume a portion of the risk, which allows them to receive a higher commission.
How long does implementation take?
The implementation time depends on the financial service:
PragmaPay: from a few hours (ready-made plugins for Shoper, Magento, and PrestaShop, and integrations with PayU, Tpay, and Comfino) to a few days (API).
PragmaCash: 4–6 weeks on average via the REST API, with a workshop to get you started.
What information must the Partner provide?
In PragmaPay: company information and transaction details from the shopping cart. At the end of the application process, the company’s bank account number is verified.
On PragmaCash: company information and the company’s bank account number, which is verified at the end of the application process.
Are my data and my customers’ data secure?
Yes. We operate under the supervision of the Polish Financial Supervision Authority (KNF), in compliance with the GDPR, PSD2, and NIS2. We provide a 99.9% SLA, isolated environments, and 24/7 service monitoring.