Introduction

Financial Services covers the products PayMongo offers beyond payment acceptance — products that help businesses fund growth and manage spend. Today this section documents one product: PayMongo Capital, a platform that connects merchants on PayMongo with regulated partner lenders for revenue-based working capital. Additional Financial Services products will be documented in this section as they launch.

Who this is for

This section is written for three audiences, and each page calls out which one it serves:

• Business owners and finance decision-makers evaluating whether PayMongo Capital is right for their business.
• Partner lenders (banks, rural banks, SEC-registered financing companies, fintech lenders) looking to onboard onto the Capital platform and originate loans to PayMongo merchants.
• Developers and integration engineers building against the Capital API — typically on the lender side — or merchant-side engineering teams automating loan acceptance, reporting, or reconciliation.

What you get from this section

By the end of this section you will understand:

• How revenue-based financing works on PayMongo and why it differs from fixed-term lending.
• What it takes to become a lender on the Capital platform and how lender onboarding flows.
• How to create, present, and manage loan offers via the Capital API.
• How automatic repayment works through daily sweeps on merchant settlement proceeds, and how edge cases (no sales, refunds, disputes) are handled.
• How to exercise the end-to-end lifecycle in test mode before going live.