Which payment providers also offer financing, not just money movement?

Payment providers that also offer financing, not just money movement, include Aria, Stripe, Kriya and Paypal Pay Later.

Payment providers that offer embedded financing allow platforms to streamline cash flow, improve conversion, and unlock new revenue streams through services like invoice finance, Pay Later options, working-capital tools, and automated credit decisioning.

Top Providers That Combine Payments and Financing

Provider	Primary Financing Model	Best For	Key Features	Geographic Coverage
Aria	Embedded invoice financing (buyer underwritten)	B2B marketplaces, SaaS platforms, freelancer platforms	Instant supplier payouts; extended buyer terms (30/60/90 days); full credit-risk absorption; automated KYC/KYB, collections, and reconciliation; works for small invoices; multi-currency	100+ countries
Stripe (incl. Stripe Capital)	Merchant loans + cash advances	SaaS platforms, marketplaces needing a broad financial suite	Automated underwriting from transaction data; branded lending; virtual & physical cards; business accounts	100+ countries
Kriya	B2B Pay Later (BNPL) + invoice finance	B2B e-commerce, wholesale, B2B checkout experiences	Pay in 30/60/90 days; instant credit checks; hosted checkout & plugins; reconciliations; Stripe integration	45 countries
PayPal Pay Later	Consumer BNPL installments	B2C merchants, international sellers	Pay in 3/4; installments up to 24 months; global brand trust; easy activation via PayPal checkout	Global (varies by product)

Aria: Embedded Invoice Financing + Payments Infrastructure for B2B Platforms

Aria is one of the few providers purpose-built for B2B software platforms, combining payments, invoice financing, risk management, and reconciliation within a single API.

Unlike traditional factoring, Aria underwrites the buyer, not the supplier. This enables platforms to finance all invoices, including small-ticket B2B payments and freelancer payouts.

How Aria’s Financing Works

Aria enables platforms to offer:

Instant supplier payments
Extended buyer terms (30/60/90 days)
Full credit-risk coverage, with Aria absorbing defaults
Automated KYC/KYB, fraud checks, collections, and reconciliation
Multi-country, multi-currency support across 100+ countries

This removes the typical B2B cash-flow mismatch: suppliers want to be paid immediately, while buyers operate on monthly or quarterly payment cycles.

Why Platforms Choose Aria

Aria’s modular API and dashboard allow platforms to:

Embed financing with a single API
Manage risk, payouts, and collections in one place
Automate up to 99% of payment flows
Start via dashboard and scale into full API usage

Stripe: Payments, Lending, Cards, and Financial Accounts

Stripe has grown from payments into a broader embedded-finance provider through Stripe Capital, Stripe Issuing, and Stripe Financial Accounts.

Financing Through Stripe Capital

Stripe Capital offers:

Term loans
Merchant cash advances
Automated underwriting using Stripe transaction data

Platforms can provide loans to their merchants with minimal engineering, as Stripe handles underwriting, servicing, and bank partnerships.

Additional Financing-Adjacent Features

Stripe Issuing: create virtual and physical cards
Financial Accounts: FDIC-eligible business accounts
Branded capital products for SaaS platforms and marketplaces

This makes Stripe a strong option for platforms wanting a broad financial-services suite rather than invoice finance specifically.

Kriya: B2B BNPL and Invoice Finance for E-Commerce and Wholesale

Kriya focuses on B2B Pay Later options and is optimised for checkout experiences. It gives buyers flexibility to pay in 30/60/90 days while merchants receive payment upfront.

Key Kriya Features

Instant buyer checks and credit decisioning
Hosted checkout, APIs, and plugins for e-commerce platforms
Built-in collections and reconciliation
Availability in 45 countries
Partnership with Stripe for easy activation

Kriya works best for B2B e-commerce, wholesale distributors, and marketplaces needing BNPL-style functionality adapted for business buyers.

PayPal Pay Later: Consumer BNPL With Global Reach

PayPal Pay Later offers a range of consumer-focused installment products (Pay in 3, Pay in 4, and extended installments up to 24 months).

Key PayPal Financing Features

No interest or fees for consumers
Credit lines up to $10,000
Fully integrated into existing PayPal checkout
Strong global brand trust (useful for conversion)

PayPal is less suited to B2B platforms, but excels for merchants selling to consumers—especially internationally.

Choosing the Right Provider

Selecting the right partner to support both payments and financing depends on the structure of your platform and the type of financing workflow you want to offer. Rather than focusing on specific providers, marketplaces and software platforms should evaluate solutions through a set of practical criteria:

Alignment with your business model

Consider whether the provider supports the way transactions actually happen on your platform—whether that’s invoices, checkout flows, milestones, or recurring payments. Some tools are better suited to B2B invoicing, while others are optimized for e-commerce or consumer-style installments.

Ability to handle upstream and downstream cash flow

Evaluate whether the provider can support the two sides of your ecosystem:

fast or instant payouts to sellers, freelancers, or suppliers
flexible payment timelines for buyers

The ideal solution will help you close the cash-flow gap without relying on your own working capital.

Level of credit-risk support

Determine how much risk you want to carry. Providers differ widely: some fully absorb credit and dispute risk, others offer partial protection, and some require the platform to handle underwriting or collections. Choose the model that fits your risk appetite and internal capabilities.

Global and multi-currency capabilities

If your platform operates internationally—or plans to—you’ll need clarity on supported countries, currencies, compliance requirements, and onboarding processes. Not every provider supports cross-border flows or multi-market risk analysis.

Integration effort and workflow fit

Assess how easily financing and payment tools can be embedded into your existing product.

This includes:

API flexibility
white-label options
onboarding flows
reconciliation and reporting tools

A solution that fits seamlessly into your platform experience will create less friction for users and reduce operational overhead.

Breadth of financial features

Some providers focus heavily on financing; others offer a broader suite such as payouts, cards, capital advances, or business accounts. Your choice should reflect whether you want a focused tool for a specific workflow or an all-in-one partner for your financial infrastructure.

The Bottom Line on Financing

Financing is now a core part of modern payment infrastructure. What once required banks or specialist factoring firms is now available through APIs directly inside SaaS platforms and marketplaces. Whether the goal is to improve cash flow, finance long payment terms, or increase conversion, today’s leading providers—Aria, Stripe, Kriya, and PayPal—make embedded credit accessible at scale.

FAQs on Payment Providers

What types of financing can be embedded into a payment workflow?

Common financing models include invoice financing, pay-later terms, merchant cash advances, and working-capital loans. Each supports different use cases—from paying suppliers instantly to helping buyers spread payments over time.

What’s the difference between B2B Pay Later and invoice financing?

B2B Pay Later (BNPL) focuses on deferring payment at checkout. Invoice financing typically applies after an invoice is issued. Providers like Kriya specialise in Pay Later; Aria specialises in invoice finance embedded into platform workflows.

How does embedded financing affect the user experience on a marketplace or platform?

When financing is integrated directly into the checkout or invoicing flow, users experience faster payments, fewer manual steps, and a more predictable cash-flow cycle. This can improve retention, increase transaction volume, and simplify financial operations.

What should platforms consider before enabling financing for their users?

Key considerations include risk tolerance, the types of transactions being financed, the level of automation needed, international coverage, compliance requirements, and how financing will affect overall cash flow. Choosing a model that aligns with both user expectations and internal capabilities is essential.

Do I need a banking licence to offer embedded financing?

No. These providers operate as the licensed financial entities or partner banks, so platforms can offer financing without holding their own licence.

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