Scaling a platform creates clear opportunities to capture new market share, but growth often tests the limits of financial infrastructure. When software platforms expand into new regions or launch new product lines, managing payouts, accounts and pay-ins across fragmented providers can slow momentum.
Leading software platforms are solving this by changing how they build. By consolidating financial capabilities onto a single platform, they’re removing operational friction, expanding globally and turning embedded payments into a primary growth driver.
Below, learn how Fresha, Epos Now and Navan have turned complexity into a strategic advantage.
Fresha launched capital across seven markets in three weeks
Access to fast capital is one of the biggest operational hurdles for independent salons and beauty professionals. Fresha, a platform for the beauty and wellness industry, recognized that traditional business loans were too slow and rigid for their users. They wanted to offer tailored capital directly inside the software their customers trust, and use daily.
Instead of building a capital lending program region by region, Fresha used Adyen Capital. Users received pre-approved funding offers with zero paperwork, and Fresha scaled its capital capabilities in just three weeks.
Navan scaled corporate card issuing without multiplying complexity
For most business travelers, the trip ends when they get home. For finance teams, the work begins. Navan set out to make corporate travel and expense management simple by issuing physical and virtual cards directly to travelers. However, expanding card issuing globally usually requires negotiating separate banking relationships, licenses and compliance standards in every target market.
By using Adyen’s global issuing capabilities on a single platform, Navan bypassed traditional bank complexity. Now, Navan can issue cards instantly, set granular spend controls and reconcile expenses in real time across markets.
Epos Now evolved from a POS provider to fintech platform
Setting up a POS system used to mean managing hardware sales and standard transaction fees. Epos Now wanted to offer more value to its retail and hospitality customers by adding embedded financial services. Doing that independently meant applying for banking licenses — a costly, multi-year effort — or managing multiple regional financial partners.
By partnering with Adyen, Epos Now launched financial services directly within its software. They expanded into embedded payments and business accounts without becoming a bank. The result? A single integrated experience for merchants, higher customer retention and new revenue streams.
Stay ready for the future of commerce
Whether you're expanding into new financial products like capital or card issuing, a single platform gives your business total control.
If you’re heading to Money 20/20, connect with the Adyen team to see how our platform can handle your roadmap ambitions, and every unexpected pivot.
