Embedded Finance Market:
A New Standard for SMEs
Embedded Finance Market:
A New Standard for SMEs
Embedded Finance Market:
A New Standard for SMEs
Embedded Finance Market:
A New Standard for SMEs
“EFM by Payout: Simple, powerful, and affordable financial solutions for small and medium-sized businesses — all in one place.”
“EFM by Payout: Simple, powerful, and affordable financial solutions for small and medium-sized businesses — all in one place.”
Imagine managing your company’s finances with the same speed and flexibility you use to manage your data. That’s exactly what our Embedded Finance Market (EFM) is all about. SMEs no longer need to invest in complex enterprise solutions or grapple with cumbersome integrations. EFM is designed specifically for the needs of small and medium-sized enterprises, enabling them to quickly, easily, and securely handle all their financial operations under one roof.
Imagine managing your company’s finances with the same speed and flexibility you use to manage your data. That’s exactly what our Embedded Finance Market (EFM) is all about. SMEs no longer need to invest in complex enterprise solutions or grapple with cumbersome integrations. EFM is designed specifically for the needs of small and medium-sized enterprises, enabling them to quickly, easily, and securely handle all their financial operations under one roof.
Payout was founded in 2016 with a clear vision: “Move money like data.” We wanted to help smaller companies manage finances efficiently so they could handle money as seamlessly and flexibly as they handle data. Here’s why: SMEs often lack access to sophisticated systems that large corporations rely on. Instead, they’re stuck with time-consuming manual processes or costly enterprise-level solutions that rarely fit their budgets or needs.
Payout was founded in 2016 with a clear vision: “Move money like data.” We wanted to help smaller companies manage finances efficiently so they could handle money as seamlessly and flexibly as they handle data. Here’s why: SMEs often lack access to sophisticated systems that large corporations rely on. Instead, they’re stuck with time-consuming manual processes or costly enterprise-level solutions that rarely fit their budgets or needs.
2016 – 2020: We develop and refine our Money Automation Platform (MAP), delivering automated payments, AML/KYC checks, and securing crucial PSD2 licenses (AISP and PISP).
By the end of 2020: Over €500 million in processed transactions. We expanded into various sectors—from e-commerce to entertainment and tourism.
CEE Expansion: We’ve established strong partnerships across 6 currencies in more than 10 countries. Deep local integrations allow us to bring comprehensive solutions where they’re needed most.
2023: We surpassed €1 billion in processed transactions—proof that small and medium-sized businesses truly can benefit from fintech innovations typically reserved for corporate giants.
2016 – 2020: We develop and refine our Money Automation Platform (MAP), delivering automated payments, AML/KYC checks, and securing crucial PSD2 licenses (AISP and PISP).
By the end of 2020: Over €500 million in processed transactions. We expanded into various sectors—from e-commerce to entertainment and tourism.
CEE Expansion: We’ve established strong partnerships across 6 currencies in more than 10 countries. Deep local integrations allow us to bring comprehensive solutions where they’re needed most.
2023: We surpassed €1 billion in processed transactions—proof that small and medium-sized businesses truly can benefit from fintech innovations typically reserved for corporate giants.
We’re committed to continually enhancing technologies and security measures to accelerate the digital transformation of finance within the SME space. We believe it’s time for small and medium-sized enterprises not just to catch up, but to set the trend in the digital economy.
We’re committed to continually enhancing technologies and security measures to accelerate the digital transformation of finance within the SME space. We believe it’s time for small and medium-sized enterprises not just to catch up, but to set the trend in the digital economy.
Introducing Payout:
Vision, History, and the “Move Money Like Data” Ambition
Introducing Payout:
Vision, History, and the “Move Money Like Data” Ambition
Introducing Payout:
Vision, History, and the “Move Money Like Data” Ambition
Introducing Payout:
Vision, History, and the “Move Money Like Data” Ambition
Where We Started
Where We Started
Where We Started
Where We Started
What We’ve Achieved
What We’ve Achieved
What We’ve Achieved
What We’ve Achieved
Where We’re Headed
Where We’re Headed
Where We’re Headed
Where We’re Headed
After years of experience with MAP, we realized SMEs need more than basic payment processing and AML/KYC checks. Embedded Finance Market (EFM) answers the call for comprehensive financial services that are directly available within Payout accounts—no need for additional expensive or time-consuming systems.
After years of experience with MAP, we realized SMEs need more than basic payment processing and AML/KYC checks. Embedded Finance Market (EFM) answers the call for comprehensive financial services that are directly available within Payout accounts—no need for additional expensive or time-consuming systems.
After years of experience with MAP, we realized SMEs need more than basic payment processing and AML/KYC checks. Embedded Finance Market (EFM) answers the call for comprehensive financial services that are directly available within Payout accounts—no need for additional expensive or time-consuming systems.
After years of experience with MAP, we realized SMEs need more than basic payment processing and AML/KYC checks. Embedded Finance Market (EFM) answers the call for comprehensive financial services that are directly available within Payout accounts—no need for additional expensive or time-consuming systems.
Embedded Finance Market (EFM):
Evolving From MAP to a Comprehensive Platform
Embedded Finance Market (EFM):
Evolving From MAP to a Comprehensive Platform
Embedded Finance Market (EFM):
Evolving From MAP to a Comprehensive Platform
Embedded Finance Market (EFM):
Evolving From MAP to a Comprehensive Platform
Why We Created EFM
Why We Created EFM
Why We Created EFM
Why We Created EFM
Reach out to us directly via email if you're interested. We’ll show you how EFM can transform your financial operations into a key driver of growth and competitive advantage.
Become Our Partner
Ready to Get Started?
Want to learn more about FraudNet or other upcoming EFM features? Keep in touch, and we’ll send you the latest news, case studies, and updates on when and how you can integrate FraudNet.
Stay in the Know
Want to learn more about FraudNet or other upcoming EFM features? Keep in touch, and we’ll send you the latest news, case studies, and updates on when and how you can integrate FraudNet.
Reach out to us directly via email if you're interested. We’ll show you how EFM can transform your financial operations into a key driver of growth and competitive advantage.
Become Our Partner
Ready to Get Started?
Want to learn more about FraudNet or other upcoming EFM features? Keep in touch, and we’ll send you the latest news, case studies, and updates on when and how you can integrate FraudNet.
Stay in the Know
Reach out to us directly via email. We’ll show you how EFM can transform your financial operations into a key driver of growth and competitive advantage.
Become Our Partner
Ready to Get Started?
Want to learn more about FraudNet or other upcoming EFM features? Keep in touch, and we’ll send you the latest news, case studies, and updates on when and how you can integrate FraudNet.
Stay in the Know
Reach out to us directly via email if you're interested. We’ll show you how EFM can transform your financial operations into a key driver of growth and competitive advantage.
Become Our Partner
Ready to Get Started?
Want to learn more about FraudNet or other upcoming EFM features? Keep in touch, and we’ll send you the latest news, case studies, and updates on when and how you can integrate FraudNet.
Stay in the Know
Fully Automated Transactions
Fully Automated Transactions
Fully Automated Transactions
Fully Automated Transactions
Manage all payments, invoices, and even company loans through a single system. The time you save on administration can be invested where it really matters.
Manage all payments, invoices, and even company loans through a single system. The time you save on administration can be invested where it really matters.
Federated Learning
Federated Learning
Federated Learning
Instead of sharing sensitive data, each company trains its own AI model locally. The data stays within your infrastructure, significantly boosting security and GDPR compliance.
Instead of sharing sensitive data, each company trains its own AI model locally. The data stays within your infrastructure, significantly boosting security and GDPR compliance.
Efficient Compliance and Security Checks
Efficient Compliance and Security Checks
Efficient Compliance and Security Checks
Efficient Compliance and Security Checks
In the SME world, AML and KYC can be a heavy burden. EFM drastically reduces this load with automated checks integrated right into the platform.
In the SME world, AML and KYC can be a heavy burden. EFM drastically reduces this load with automated checks integrated right into the platform.
Saving Time and Money
Saving Time and Money
Saving Time and Money
Saving Time and Money
Forget juggling multiple partnerships or complex integrations. Everything is under one roof, and easily managed through a streamlined interface. That means fewer manual steps and a significantly lower risk of errors.
Forget juggling multiple partnerships or complex integrations. Everything is under one roof, and easily managed through a streamlined interface. That means fewer manual steps and a significantly lower risk of errors.
Ready for Future Innovations
Ready for Future Innovations
Ready for Future Innovations
Ready for Future Innovations
We plan to expand EFM to include card payouts, advanced mobile payments, corporate lending, and even integrated product insurance at checkout. Until recently, only large corporations could leverage such tools—now SMEs can reap these benefits too.
We plan to expand EFM to include card payouts, advanced mobile payments, corporate lending, and even integrated product insurance at checkout. Until recently, only large corporations could leverage such tools—now SMEs can reap these benefits too.
FraudNet:
An Innovative Security Layer for the Digital Era
FraudNet:
An Innovative Security Layer for the Digital Era
FraudNet:
An Innovative Security Layer for the Digital Era
A New Level of Protection for SMEs
A New Level of Protection for SMEs
A New Level of Protection for SMEs
A New Level of Protection for SMEs
How It Works
How It Works
How It Works
How It Works
With the rise of online transactions comes a rise in fraudulent activity—often leaving smaller companies struggling to afford top-tier protection. FraudNet offers a breakthrough solution—an innovative layer that detects and prevents fraud in real time.
With the rise of online transactions comes a rise in fraudulent activity—often leaving smaller companies struggling to afford top-tier protection. FraudNet offers a breakthrough solution—an innovative layer that detects and prevents fraud in real time.
What EFM Delivers
What EFM Delivers
What EFM Delivers
What EFM Delivers
FraudNet:
An Innovative Security Layer for the Digital Era
FraudNet:
An Innovative Security Layer for the Digital Era
Compliance With GDPR and the AI Act
Compliance With GDPR and the AI Act
Compliance With GDPR and the AI Act
Shared traits and fraudulent patterns are anonymized and sent to a central model, which continuously improves its detection capabilities. That means each new threat discovered by one company helps protect every other company in the network.
Shared traits and fraudulent patterns are anonymized and sent to a central model, which continuously improves its detection capabilities. That means each new threat discovered by one company helps protect every other company in the network.
Collective Intelligence
Collective Intelligence
Collective Intelligence
Shared traits and fraudulent patterns are anonymized and sent to a central model, which continuously improves its detection capabilities. That means each new threat discovered by one company helps protect every other company in the network.
Shared traits and fraudulent patterns are anonymized and sent to a central model, which continuously improves its detection capabilities. That means each new threat discovered by one company helps protect every other company in the network.
FraudNet is currently in research and is slated for launch in about 18 months. The goal is to provide a fraud detection and prevention tool that’s both robust and accessible to smaller companies. Thanks to FraudNet, SMEs will gain the level of security once reserved exclusively for major corporations.
FraudNet is currently in research and is slated for launch in about 18 months. The goal is to provide a fraud detection and prevention tool that’s both robust and accessible to smaller companies. Thanks to FraudNet, SMEs will gain the level of security once reserved exclusively for major corporations.
FraudNet is currently in research and is slated for launch in about 18 months. The goal is to provide a fraud detection and prevention tool that’s both robust and accessible to smaller companies. Thanks to FraudNet, SMEs will gain the level of security once reserved exclusively for major corporations.
FraudNet is currently in research and is slated for launch in about 18 months. The goal is to provide a fraud detection and prevention tool that’s both robust and accessible to smaller companies. Thanks to FraudNet, SMEs will gain the level of security once reserved exclusively for major corporations.
Timeline and Impact on the Entire SME Segment
Timeline and Impact on the Entire SME Segment
Timeline and Impact on the Entire SME Segment
Timeline and Impact on the Entire SME Segment
FraudNet is currently in research and is slated for launch in about 18 months. The goal is to provide a fraud detection and prevention tool that’s both robust and accessible to smaller companies. Thanks to FraudNet, SMEs will gain the level of security once reserved exclusively for major corporations.
FraudNet is currently in research and is slated for launch in about 18 months. The goal is to provide a fraud detection and prevention tool that’s both robust and accessible to smaller companies. Thanks to FraudNet, SMEs will gain the level of security once reserved exclusively for major corporations.
What’s Next?
Join the EFM Revolution and Protect Your Business With FraudNet
What’s Next?
Join the EFM Revolution and Protect Your Business With FraudNet
What’s Next? Join the EFM Revolution and Protect Your Business With FraudNet
What’s Next?
Join the EFM Revolution and Protect Your Business With FraudNet
Payout is a leader in fintech innovation for small and medium-sized enterprises. We provide next-generation digital tools focused on process automation, embedded finance, and advanced artificial intelligence, transforming financial management and enabling businesses to optimize cash flow, increase revenue, and focus on strategic growth.
© 2024, All Rights Reserved by Payout
Payout is a leader in fintech innovation for small and medium-sized enterprises. We provide next-generation digital tools focused on process automation, embedded finance, and advanced artificial intelligence, transforming financial management and enabling businesses to optimize cash flow, increase revenue, and focus on strategic growth.
© 2024, All Rights Reserved by Payout
Payout is a leader in fintech innovation for small and medium-sized enterprises. We provide next-generation digital tools focused on process automation, embedded finance, and advanced artificial intelligence, transforming financial management and enabling businesses to optimize cash flow, increase revenue, and focus on strategic growth.
© 2024, All Rights Reserved by Payout
Payout is a leader in fintech innovation for small and medium-sized enterprises. We provide next-generation digital tools focused on process automation, embedded finance, and advanced artificial intelligence, transforming financial management and enabling businesses to optimize cash flow, increase revenue, and focus on strategic growth.
© 2024, All Rights Reserved by Payout