Problem
FMCGs extend trade credit to retailers, carrying receivables, default risk, and bad debt provisions that distort balance sheets and turn commercial operations into financial risk management.
solution
Prime Pay transfers commercial credit exposure to financial institutions, allowing FMCGs to sell without carrying receivables while banks provide capital based on real trade data.
Problem
Payment terms of 30, 60, or 90 days lock capital in receivables, create cash flow uncertainty, and limit FMCGs’ ability to reinvest and scale efficiently.
solution
Prime Pay enables real-time digital settlement, ensuring FMCGs receive immediate, guaranteed payments for every transaction.
Problem
Retailers generate real demand but lack access to working capital, creating order blockages that limit FMCG sales and slow overall trade growth.
solution
Prime Pay embeds financing directly into the purchasing flow, enabling retailers to order at full demand while FMCGs receive instant, guaranteed payment.
Capital moves in sync with real trade activity, benefiting every participant in the ecosystem.
Automated digital payments create reliable cash timing across all participants in trade.
Commercial credit risk shifts from trade relationships into structured, bank-led financial frameworks.
A unified financial system reduces manual processes and operational friction for everyone involved
The system supports growth across markets by enabling continuous trade without capital constraints.
Enables bank financing within trade flows, without separate onboarding or manual processes.
No more follow-up visits. No friction. Just unleashed growth.
Uses live commercial activity to dynamically assess risk across the trade ecosystem.
Integrates with existing systems seamlessly, requiring no replacement or operational disruption.
PrimePay is an embedded finance solution that connects the FMCG, the bank, and retailers into one unified digital flow.
It enables FMCGs to provide their retailer portfolios with fast access to working capital directly inside the B2B channel — without the FMCG carrying the credit risk.
No. PrimePay is a bank-led model. The credit is issued by the bank, while PrimePay provides the digital infrastructure and operational data required for onboarding, scoring, and controlled capital deployment.
PrimePay delivers direct, measurable business outcomes:
PrimePay uses payment controls and spend rules (through Mastercard technology and bank configurations):
PrimePay can be implemented in phases, depending on the existing B2B channel:
