Paytrail Financing

We've partnered with Liberis to offer business customers a new easy financing solution.
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An easy financing solution for Paytrail customers

We've partnered with Liberis to offer a financing solution, Paytrail Financing. It is suitable for businesses who have been a Paytrail customer for at least four months and are looking for an easy and fast financing option to accelerate growth, restock, or respond to new opportunities.

The business receives the financed amount directly from Liberis. The repayment is an agreed percentage that Paytrail deducts from the Merchant account and transfers to Liberis until it's been repaid in full. The more payments customers make, the shorter the repayment time. 

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Why choose Paytrail Financing?

  • An easy and fast financing option for Paytrail's business customers - no long business plans or documentation
  • Flexible payments - pay back as your customers pay you
  • Quick financing decision - usually within 24 hours!
  • Fixed fee - no interest or hidden costs. Even if you need more time to pay, the fee will not increase
  • 90% of customers recommend Liberis

Apply for financing via the Merchant panel

Who is Paytrail Financing suitable for?

Paytrail customers

You’re eligible to apply after being a Paytrail customer for at least four months.

Growing businesses

Ideal for small and medium-sized merchants looking to accelerate growth. Use the funding to replenish inventory, expand your product selection, or invest in new opportunities.

All industries

Available for a wide range of industries, no matter what products or services you sell online.

Financing example

Financed amount
10 000 €
Fixed fee
1800 € (18% financed amount)
Total amount to repay
11 800 €
Pay back percentage
10% of payments
If you receive on average 10,000 € per month in sales, repayment will take approximately 12 months.

How to apply for Paytrail Financing

It’s easy to get started. Just follow our simple step-by-step guide in our Help Center.

How to apply for Paytrail Financing

Contact request

Interested in Paytrail Financing or want to learn more about our payment service?
Leave your contact details and we’ll be in touch within a few business days.
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Liberis

Paytrail Financing is offered in cooperation with small business financing expert Liberis. They are a multi-awarded financial service provider that offers easy, flexible and transparent financing to help small businesses achieve their goals.

Liberis offers financing based on business potential, not just credit history. The company has provided more than £970 million of easily accessible, flexible financing to small businesses around the world since 2007.

Learn more about Liberis

Frequently asked questions

Since Paytrail Financing is income-based financing and not a loan, there is no interest because there is no deadline either. Instead, we charge one fixed fee that doesn't change even if you need more time to repay.

Offers are based on your past transactions. However, our experts can consider your needs and look at additional income streams.

When you have paid back more than half of the financed amount and payments are being made as expected, you can apply for additional financing.

Typically, more than 75% of customers receive their funds already within 48 hours of their approved application.

Once the application has been sent, the decision is usually made within 24 hours and depends on the amount of financing you are applying for.

The amount is usually repaid within 4-12 months. Paytrail Financing works in line with your sales, so you only pay as customers pay you.

This means that there are no specific payment dates or late fees!

Yes. You can pay the remaining balance at once, but paying in installments is not possible.

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Do you need help?

Our customer support team is here for you. Reach out via chat, email or phone—we’re happy to help!

Go to customer service