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Become the go-to bank for merchants

Become the one-stop shop for global small and medium-sized merchants to gain a competitive advantage. Support merchants in making  better financial and business decisions, and free them to focus on growing their business.

Merchant header

Fueling bank success and growth

  • +266%

    Increase in number of transactions by merchants

  • 30%

    Decrease merchant onboarding costs

  • 200%

    Increase in direct small business lending in 1 year

MCBTechcombankAIBKey Bank

Launch bank solutions for merchants with Backbase

Offer merchants the services they need to grow – from onboarding, online payments to fast, flexible financing.

Comprehensive merchant banking platform

Payments

  • Payment processing 
  • QR based payment collection 
  • File based payment collection 
  • Payment status tracking 
  • Direct debits Reporting

Onboarding and financing

  • Self-onboarding 
  • Assisted onboarding 
  • POS application 
  • Invoice financing 
  • Letter of credit 
  • Bank guarantee 
  • Working capital Loans 
  • Line of credit origination

Employee apps

  • Customer service
  • 360 degree view
  • Track transactions
  • Reporting
  • Entitlements
  • Admin workspace
  • Audit capabilities
  • Chat
  • Banners

Value added services

  • Invoicing
  • Cashflow forecasting
  • Trade finance
  • Fraud prevention
  • Authentication
  • Analytics

Banking solutions designed for merchants

Deliver segment-based personalized banking products at scale. Customize and expand on pre-built capabilities to create unique experiences that suit merchants, employees, and processes.

Onboarding and origination

Attract merchants with tailored experiences

  • Simplify merchant onboarding and allow them to start using the pre-built journeys on  mobile and web apps.

  • Identify and convert small business owners already within your retail portfolio using transaction data.

  • Integrate journeys into partner e-commerce sites and points of sale to seamlessly connect with merchants precisely when they need it.

Merchant banking

Lower cost to serve with personalized digital service at scale

  • Provide digital services to merchants and SMBs without breaking the bank.

  • Give merchants the freedom to self-serve anytime, anywhere — with mobile and web banking apps designed just for them.

  • Increase customer engagement and revenue offering tailored AI-powered advice within your applications.

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Smart customer servicing

Equip relationship managers with intelligent workspaces

  • Give your employees the tools they need to effectively support merchants.

  • Boost relationship manager productivity with unified, AI-powered workspaces that provide smart customer insights and next-best action suggestions. 

  • Equip your teams with collaborative tools — in-app chat, call, video, and in-branch support — to aid merchants anytime, anywhere.

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Merchant services and beyond

Become the one-stop shop for merchants

  • Be the partner merchants need by offering more than just banking with solutions like integrated support and resources.

  • Grow customer value by deepening relationships and boosting revenue with tailored digital solutions for evolving merchant needs.

  • Launch new digital offerings faster without building everything from the ground up — from instant transfers to invoicing.

Trusted by banks

MCB
Collaborating with Backbase has been an enriching journey, helping us accelerate our digital transformation and improve the daily operations of our teams.” Emmanuel Courtaud, Product Owner at MCB.

Emmanuel Courtaud, Product Owner at Mauritius Commercial Bank

Why Backbase

Whether you're looking to buy for parity or build for differentiation, our platform empowers you to create unique experiences that truly set you apart from the competition.

Buy and build

Get to market fast with 400+ pre-built capabilities, fully customizable

Composability

Modular, industrialized platform capabilities allowing you to progressively modernize

Secure and scalable

Scale to millions of users with peace of mind with a secure, cloud-native platform

Integrations

Add cutting-edge experiences to your apps easily with a library of API-driven, fintech-powered capabilities

One platform

Power journey orchestration across channels, segments and lines of business with a unified platform architecture

Proven expertise

More than 100+ financial institutions around the world

Capabilities

Learn more about Backbase out-of-the-box capabilities you can augment to suit your unique needs.

Onboarding

Accelerate small business onboarding with a smooth, digital-first experience, reducing time and effort for entrepreneurs.



 

Merchant onboarding c

Servicing

Support small business growth with self-service tools, proactive advice, and over 400 pre-built banking capabilities.



 

Merchant Servicing c

Resources