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For cash constraint merchants, individuals and businesses underwriting loans to finance critical investments or extend their working capital, or insureds undergoing a sinister payout speed can make or break a business – or change a life."}],"markDefs":[],"style":"normal"},{"_key":"251f11147ff4","_type":"block","children":[{"_key":"e8b62f9cb5da0","_type":"span","marks":[],"text":"In a world where we are all used to instant confirmation of card payments and instant peer-to-peer payments in apps like Cash App, PayPal or Lydia, we expect fast payouts to be the norm, no matter the underlying complexity of these payments."}],"markDefs":[],"style":"normal"},{"_key":"08ae6c86967c","_type":"block","children":[{"_key":"95f2081046220","_type":"span","marks":[],"text":"Leading payment companies are at the forefront of this trend. 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For instance, if you want to be able to send FPS payments in the UK, you need to work with a local UK bank, as a non-UK bank would first have to execute a cross-border payment to a UK bank that can take a few days to complete."}],"markDefs":[],"style":"normal"},{"_key":"7745675e2f64","_type":"block","children":[{"_key":"71961215d35b0","_type":"span","marks":["strong","tealGreen"],"text":"Remove intermediaries"}],"markDefs":[],"style":"h3"},{"_key":"db518fe299bc","_type":"block","children":[{"_key":"ff0bdce31e240","_type":"span","marks":[],"text":"There are many ways for a fintech company to send payouts to its customers. 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To do so, it needs to "},{"_key":"3030bb8c22dc1","_type":"span","marks":["920901e3d46d"],"text":"track and reconcile the payments"},{"_key":"3030bb8c22dc2","_type":"span","marks":[],"text":" collected with the corresponding transactions on its bank account, which can take time if not correctly automated."}],"markDefs":[{"_key":"920901e3d46d","_type":"link","href":"/insights/articles/how-track-payments-real-time"}],"style":"normal"},{"_key":"475c1ea9dbfd","_type":"block","children":[{"_key":"688dd7fe675d0","_type":"span","marks":[],"text":"For fintechs holding accounts or wallets for their customers, the steps it takes to payout an order initiated by a customer usually are:"}],"markDefs":[],"style":"normal"},{"_key":"c68833970a10","_type":"block","children":[{"_key":"7f620162c1690","_type":"span","marks":[],"text":"Checking the balance of the account or digital wallet to make sure there are enough funds for the said payment"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fff90cbc394b","_type":"block","children":[{"_key":"add21484db6b0","_type":"span","marks":[],"text":"Running compliance checks on the payment"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"af45b9bdd913","_type":"block","children":[{"_key":"f4e79f55ab810","_type":"span","marks":[],"text":"Routing the payment to the right partner bank depending on the destination of the payment (e.g. SEPA sponsor bank for payment to SEPA area or UK partner bank for payment to the UK)"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"85622404e7f0","_type":"block","children":[{"_key":"6cd19c767310","_type":"span","marks":[],"text":"Packaging the payment order in the right message and file format or API call so it is accepted and executed by the partner bank without error."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"rounding":"disabled","slideAnimation":"disabled","studioLabel":"Rich text card","style":"transparent","textTheme":"default"}],"columnCenterAlign":null,"columnCount":"1","padding":{"_type":"sectionPadding","bottom":"md","side":"none","top":"md"},"pageFilterEnabled":false,"sectionId":"IWye7Z3VfQ","studioLabel":"Body Section 1: Providing faster payouts to your customers","textTheme":"default","variableWidth":false},{"_key":"d41fa7522983","_type":"gridSection","background":{"_key":null,"_type":"sectionBackground","color":"#FFFFFF"},"beforeRichTextPaddingBottom":null,"beforeRichTextWidth":null,"cards":[{"_key":"9c78b8c1a50f","_type":"richTextCard","alignment":"center","background":"#ffffff","beforeRichTextPaddingBottom":null,"cardBackground":{"alignment":null,"constrainTo":null,"image":null,"offsetX":0,"offsetY":0},"cardBackgroundHover":{"_type":"cardBackground","offsetX":0,"offsetY":0},"cardLink":{"_type":"cardLink","enabled":false},"coverImage":null,"dropShadow":"disabled","padding":"disabled","richTextField":[{"_key":"8b50a482c3ec","_type":"block","children":[{"_key":"c7ae401fbbe40","_type":"span","marks":["tealGreen"],"text":"How Mambu Payments empowers fintechs with a pan-European, real-time payout infrastructure"}],"markDefs":[],"style":"h2"},{"_key":"b63b106a853f","_type":"block","children":[{"_key":"e14881e0dbd90","_type":"span","marks":[],"text":"Whether collecting payments on behalf of merchants, extending loans, or providing insurance, most fintech services value is realised when a payment is made to their merchants, partners, and customers."}],"markDefs":[],"style":"normal"},{"_key":"73569093e58f","_type":"block","children":[{"_key":"4f33fab8390e0","_type":"span","marks":[],"text":"But merchants, partners, and customers increasingly demand faster, more reliable, and more economical payouts. 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This applies even more to payouts, for which reducing the number of intermediaries in the flow of funds unlocks faster payouts and improves unit economics."}],"markDefs":[{"_key":"33a87b02f48d","_type":"link","href":"/insights/articles/fintech-companies-leaving-baas"}],"style":"normal"},{"_key":"cad106235c11","_type":"block","children":[{"_key":"61649d79a46b0","_type":"span","marks":[],"text":"Multiplying banking partners provides additional benefits for payout use cases. Sending payouts from local IBANs increases merchants' and customers' trust while preventing "},{"_key":"61649d79a46b1","_type":"span","marks":["7f88d4f3f092"],"text":"IBAN discrimination"},{"_key":"61649d79a46b2","_type":"span","marks":[],"text":" from their financial institutions."}],"markDefs":[{"_key":"7f88d4f3f092","_type":"link","href":"/insights/articles/psp-iban-discrimination"}],"style":"normal"},{"_key":"ede89058fc37","_type":"block","children":[{"_key":"7079cdfab98a0","_type":"span","marks":[],"text":"Connecting with local banks in the markets you address enables you to access local payment schemes and systems, such as Bacs and FPS in the UK, RIX in Sweden or Straksclearing in Denmark."}],"markDefs":[],"style":"normal"},{"_key":"ec60c009e2d7","_type":"block","children":[{"_key":"702891db17100","_type":"span","marks":[],"text":"Finally, it increases payout reliability by providing fintech companies with multiple routes to send a given payment in case a specific partner bank is unavailable or the receiving bank doesn’t support a payment method."}],"markDefs":[],"style":"normal"},{"_key":"815c490655e8","_type":"block","children":[{"_key":"35ae21ef6cd90","_type":"span","marks":[],"text":"However, building, maintaining and operating a multi-bank infrastructure requires significant resources – leading fintech and payment companies such Wise, Klarna, or Booking.com have dedicated teams of hundreds of engineers to do so."}],"markDefs":[],"style":"normal"},{"_key":"72c13213f043","_type":"block","children":[{"_key":"e8439018a4ad0","_type":"span","marks":["strong","em"],"text":"How Mambu Payments helps"}],"markDefs":[],"style":"normal"},{"_key":"2defde4de265","_type":"block","children":[{"_key":"37a38db920e60","_type":"span","marks":[],"text":"Mambu Payments provides any company with a pan-European banking infrastructure from day one, thanks to native integrations with "},{"_key":"37a38db920e61","_type":"span","marks":["0b93d49eeb32"],"text":"20+ banks"},{"_key":"37a38db920e62","_type":"span","marks":[],"text":" across the EU and the UK, enabling access to local IBANs across Europe, SEPA, UK schemes, Bacs and FPS and local payment schemes, as well as support of Swift payments through connected banks."}],"markDefs":[{"_key":"0b93d49eeb32","_type":"link","href":"/bank-coverage"}],"style":"normal"},{"_key":"86e30eac16a7","_type":"block","children":[{"_key":"1be9b763d4cf0","_type":"span","marks":["strong","tealGreen"],"text":"Providing a better payout experience with a dedicated application layer"}],"markDefs":[],"style":"h3"},{"_key":"ac8250e56f54","_type":"block","children":[{"_key":"083bdf7b2b21","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"c3257848f325","_type":"block","children":[{"_key":"7a06024d38880","_type":"span","marks":["strong","tealGreen"],"text":"Automated payment retries for 100% payout success rate"}],"markDefs":[],"style":"h4"},{"_key":"67a69351ea84","_type":"block","children":[{"_key":"bea2d467e7590","_type":"span","marks":["strong","em"],"text":"The challenge"}],"markDefs":[],"style":"normal"},{"_key":"781e7b34c138","_type":"block","children":[{"_key":"37bd0e34748f0","_type":"span","marks":[],"text":"Payments can fail for many reasons at various stages of their life cycles. 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Mambu Payments keeps track of all original failed payments, the resulting performed and planned retried payments, and the retry rules applied."}],"markDefs":[],"style":"normal"},{"_key":"7e030dac97cb","_type":"block","children":[{"_key":"67c1ab533edd0","_type":"span","marks":[],"text":"This information is easily accessible in our dashboard and API."}],"markDefs":[],"style":"normal"},{"_key":"a4abe0f6b386","_type":"block","children":[{"_key":"cf1449ead1bd0","_type":"span","marks":["strong","tealGreen"],"text":"Increase customer trust with more transparent payout tracking"}],"markDefs":[],"style":"h4"},{"_key":"77000d62cf14","_type":"block","children":[{"_key":"10147f7321210","_type":"span","marks":["strong","em"],"text":"The challenge"}],"markDefs":[],"style":"normal"},{"_key":"d913611f83c6","_type":"block","children":[{"_key":"ecdd29fb421d0","_type":"span","marks":[],"text":"When customers do not see a payout on their bank account at the usual time and day or when expecting their first payout, they will understandably wonder where their funds are."}],"markDefs":[],"style":"normal"},{"_key":"0aeb15677d65","_type":"block","children":[{"_key":"f1e1ae7744d50","_type":"span","marks":[],"text":"Customers will solicit your customer support team if you do not proactively share updates on payments made through your product. If customers find out that a payment has failed only after contacting your support team, they will lose trust in your product."}],"markDefs":[],"style":"normal"},{"_key":"a7d71d96dbc8","_type":"block","children":[{"_key":"8e5358b999980","_type":"span","marks":["c1d404bed092"],"text":"Tracking payments in real-time"},{"_key":"8e5358b999981","_type":"span","marks":[],"text":" and sharing this information with your customers will decrease support tickets and increase customer trust."}],"markDefs":[{"_key":"c1d404bed092","_type":"link","href":"/insights/articles/why-track-payments-real-time"}],"style":"normal"},{"_key":"40e790194e4c","_type":"block","children":[{"_key":"7770c725cf990","_type":"span","marks":["strong","em"],"text":"How Mambu Payments helps"}],"markDefs":[],"style":"normal"},{"_key":"1a743062757e","_type":"block","children":[{"_key":"74b5bc49dcf40","_type":"span","marks":[],"text":"Mambu Payments provides fintech with "},{"_key":"74b5bc49dcf41","_type":"span","marks":["e3d6994d6640"],"text":"real-time payment tracking capabilities"},{"_key":"74b5bc49dcf42","_type":"span","marks":[],"text":" relying on the payment status report and account statement files it retrieves in real-time from connected banks."}],"markDefs":[{"_key":"e3d6994d6640","_type":"link","href":"/insights/articles/how-track-payments-real-time"}],"style":"normal"},{"_key":"1bc93d1a571b","_type":"block","children":[{"_key":"1231d2818da60","_type":"span","marks":[],"text":"This information is instantly available via API and pushed through webhooks so fintechs can leverage it to inform customers in real-time."}],"markDefs":[],"style":"normal"},{"_key":"46d0ef97a748","_type":"block","children":[{"_key":"d9b2bf3197210","_type":"span","marks":["strong","tealGreen"],"text":"Faster payouts with instant payments and automated workflows"}],"markDefs":[],"style":"h4"},{"_key":"d4b193d3ea9e","_type":"block","children":[{"_key":"570f6619bf490","_type":"span","marks":["strong","em"],"text":"The challenge"}],"markDefs":[],"style":"normal"},{"_key":"990704c017dd","_type":"block","children":[{"_key":"3f097f879cf20","_type":"span","marks":[],"text":"Next-day or even instant payouts are becoming the norm for merchants acquiring products. 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For BNPL, it’s the first instalment being successfully collected."}],"markDefs":[],"style":"normal"},{"_key":"1ebe77000ab8","_type":"block","children":[{"_key":"4a759b51604f0","_type":"span","marks":[],"text":"Once this condition is verified, fintechs must consequently create the payout and send it to their partner bank as fast as possible."}],"markDefs":[],"style":"normal"},{"_key":"43e74f051240","_type":"block","children":[{"_key":"fbf9c2442f240","_type":"span","marks":[],"text":"To do so in a reasonable timeframe, at scale: 1. It’s necessary to retrieve and reconcile data from many systems and partners, including banks 2. No manual tasks can be involved"}],"markDefs":[],"style":"normal"},{"_key":"b08ed917b210","_type":"block","children":[{"_key":"f1c2fada05990","_type":"span","marks":["strong","em"],"text":"How Mambu Payments helps"}],"markDefs":[],"style":"normal"},{"_key":"afe57e32fd2f","_type":"block","children":[{"_key":"ce1029756b1d0","_type":"span","marks":[],"text":"Mambu Payments enables fintech companies to accelerate payouts in two main ways."}],"markDefs":[],"style":"normal"},{"_key":"48dbde106364","_type":"block","children":[{"_key":"a788995ebf0d0","_type":"span","marks":[],"text":"First, Mambu Payments enables fintechs to send SEPA instant payments and UK’s FPS or Faster Payments via its platform and through connected partner banks that support such payments. It results in payouts reaching fintechs’ customers' bank accounts 10s maximum after being sent for SEPA instant payments (a few minutes for FPS payments)."}],"markDefs":[],"style":"normal"},{"_key":"6831d7c78938","_type":"block","children":[{"_key":"0b1d501e32b10","_type":"span","marks":[],"text":"Second, Mambu Payments accelerates internal payouts workflows by:"}],"markDefs":[],"style":"normal"},{"_key":"4031f968acd3","_type":"block","children":[{"_key":"6d2461be34980","_type":"span","marks":[],"text":"Automatically retrieving the required data from internal systems, banks, acquirers and APMs and "},{"_key":"6d2461be34981","_type":"span","marks":["443ce918163e"],"text":"reconciling it to validate that the funds"},{"_key":"6d2461be34982","_type":"span","marks":[],"text":" corresponding to collected payments conditioning payouts have effectively been received"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"443ce918163e","_type":"link","href":"/insights/articles/numeral-automates-reconciliation"}],"style":"normal"},{"_key":"f10ac251c92e","_type":"block","children":[{"_key":"8d2e0eb4f2260","_type":"span","marks":[],"text":"Making all that reconciliation data and the underlying data retrieved from systems, banks and acquirers available to fintechs in real-time, in a normalised way, via API and webhooks. Based on this data, fintechs can automatically trigger payouts once the right conditions are fulfilled."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"aaa0641f0ea9","_type":"block","children":[{"_key":"e2cd65e953c8","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"7e5b92f3c24e","_type":"block","children":[{"_key":"cf53627f119d0","_type":"span","marks":["strong","tealGreen"],"text":"The right tools for payment, operations, support and finance teams"}],"markDefs":[],"style":"h3"},{"_key":"7b8466f39238","_type":"block","children":[{"_key":"c801570471580","_type":"span","marks":["strong","tealGreen"],"text":"Centralised visibility on all payout operations"}],"markDefs":[],"style":"h4"},{"_key":"69141e469238","_type":"block","children":[{"_key":"2c92e934b29d0","_type":"span","marks":["strong","em"],"text":"The challenge"}],"markDefs":[],"style":"normal"},{"_key":"73704384e3de","_type":"block","children":[{"_key":"628994da575f0","_type":"span","marks":[],"text":"Automation doesn’t rule out human oversight – and sometimes human actions. When working with multiple partner banks and payment schemes, the tools to access and monitor critical information, including payments and their statuses, bank account balances, transactions on bank accounts or reconciliations, are often scattered, unintuitive and sometimes non-existent."}],"markDefs":[],"style":"normal"},{"_key":"248ac2f1ea49","_type":"block","children":[{"_key":"9e7ef3e71fba0","_type":"span","marks":[],"text":"It requires teams in charge of payout operations to jump between interfaces, create SQL queries to access critical data or be dependent on engineering teams."}],"markDefs":[],"style":"normal"},{"_key":"83182827c6b0","_type":"block","children":[{"_key":"66254c9a50f80","_type":"span","marks":["strong","em"],"text":"The solution"}],"markDefs":[],"style":"normal"},{"_key":"6a857b16ed42","_type":"block","children":[{"_key":"4f316a6604e60","_type":"span","marks":[],"text":"Mambu Payments comes with a central dashboard for payment, operations, support and finance teams to have real-time visibility on all payment operations across all their banks."}],"markDefs":[],"style":"normal"},{"_key":"48cb39a1f181","_type":"block","children":[{"_key":"d65cb6cae2cf0","_type":"span","marks":[],"text":"Through this modern interface, teams can access information such as:"}],"markDefs":[],"style":"normal"},{"_key":"cd9dea308bf8","_type":"block","children":[{"_key":"deccbe8fbb990","_type":"span","marks":[],"text":"Sent and received payments and their real-time statuses"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fc76a4ea0ccc","_type":"block","children":[{"_key":"e500214f020c0","_type":"span","marks":[],"text":"Payment errors and exceptions"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"5d720f0badd7","_type":"block","children":[{"_key":"b03b63e393c70","_type":"span","marks":[],"text":"Real-time account balances"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"7a0c7a1193a7","_type":"block","children":[{"_key":"e9aefa7cd1000","_type":"span","marks":[],"text":"Transactions posted on connected bank accounts"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"cb60ee570ea0","_type":"block","children":[{"_key":"a47da77d50d20","_type":"span","marks":[],"text":"Reconciliations"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"25ca1070dc20","_type":"block","children":[{"_key":"5da3a6760fd3","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"92a105b55138","_type":"block","children":[{"_key":"8e2a666b7c980","_type":"span","marks":[],"text":"This is normalised across all banks and bank accounts."}],"markDefs":[],"style":"normal"},{"_key":"37e1a2561c09","_type":"block","children":[{"_key":"76ade78afb49","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"8b82469f5efb","_type":"newImage","alignment":"left","alt":"Central dashboard for payments ","file":{"asset":{"_ref":"image-fe68348b0756ec308ab15d304b8c67d3ebb5eb25-1600x1000-png","_type":"reference"},"crop":null,"height":1000,"hotspot":null,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/fe68348b0756ec308ab15d304b8c67d3ebb5eb25-1600x1000.png","width":1600}},{"_key":"504f4a26ab23","_type":"block","children":[{"_key":"34ef06e6ec50","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"a938bdf11183","_type":"newImage","alignment":"left","alt":"Central dashboard for payments ","file":{"asset":{"_ref":"image-20a4c076454337cf67abf93225ecbb1869caf209-1600x842-png","_type":"reference"},"crop":null,"height":842,"hotspot":null,"src":"https://cdn.sanity.io/images/0k2k2bbv/production/20a4c076454337cf67abf93225ecbb1869caf209-1600x842.png","width":1600}},{"_key":"1281820ba4ef","_type":"block","children":[{"_key":"be266cb30410","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"20e9aa13ccd7","_type":"block","children":[{"_key":"b8b50a328eaf","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"9f28071f9147","_type":"block","children":[{"_key":"0a96a20e0756","_type":"span","marks":["strong","tealGreen"],"text":"Better customer support, faster incident detection and resolution"}],"markDefs":[],"style":"h4"},{"_key":"83d4f280dfd8","_type":"block","children":[{"_key":"bfb7120738f20","_type":"span","marks":["strong","em"],"text":"The challenge"}],"markDefs":[],"style":"normal"},{"_key":"31503ecdce41","_type":"block","children":[{"_key":"0af6c41757ba0","_type":"span","marks":[],"text":"No matter how sophisticated your payment stack is, there is no such thing as 100% automated payment operations. 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