Finanzer Commerce
Turn better financing into better customer economics.
Finanzer Commerce is designed to connect merchant capital, funded promotions and rewards to the transactions behind them.
Capital, offers and rewards in one commercial relationship.
Choose the part of the customer journey you want to support.
Merchant Capital
Working capital assessed against verified merchant activity and settlement records.
Funded Offers
Explore financing for an agreed merchant promotion budget, with a clear repayment source.
Rewards
Link eligible purchases to a funded incentive and its settlement record.
Make every reward accountable.
A merchant defines the audience, eligible products, spend conditions, campaign period, reward and maximum budget.
Purchase data determines eligibility. Refunds, reversals and disputes change the reward record before settlement.
Start with the reward budget.
The intended source of an incentive is the merchant’s commercial budget. Financing may change when the budget is funded; it does not remove the cost.
Merchant contribution
Record who funds the offer and when the money is available.
Reward form
Choose the permitted form: cashback, spend credit or FZR, subject to programme terms.
Settlement
Reconcile the eligible purchase, funded reward and amount settled.
Measure the offer against the outcome.
Track qualifying purchases, reward costs, repeat purchases and attributed revenue. Compare campaigns against a defined baseline before claiming incremental growth.
Attributed sales alone do not prove that a reward caused a purchase. Define the comparison and the measurement window with the merchant.
Earning or holding FZR does not automatically create credit-risk exposure. Risk participation requires a separate voluntary mandate.
No. Every programme needs a funding source, a budget and agreed responsibilities for cost and repayment.
Build your merchant programme.
Tell us about your merchants, the purchases you want to support and how you plan to fund the incentives.