What can we use instead of Adyen Capital if we don’t meet their revenue or volume thresholds?

If you’re already processing payments with Adyen, Adyen Capital may seem like the obvious way to add financing to your platform. But many B2B marketplaces and SaaS platforms quickly hit a wall: Capital is only available if you run on Adyen for Platforms, it’s rolled out in selected markets, and eligibility is tied to the volume and quality of transactions flowing through Adyen.

If you’re not ready to move your entire payment stack or if your users don’t fit Adyen’s risk and eligibility model, Capital might simply not be an option. Meanwhile, your core problem remains the same: buyers want 30–90 days to pay and suppliers want early cash access.

That’s where Aria comes in: an embedded, non-recourse invoice financing solution built specifically for B2B marketplaces and platforms, with the capacity to fund everything from a single invoice to thousands of them every month.

Comparing Aria and Adyen Capital at a glance

	Adyen Capital	Aria
Eligibility and access model	Only available to platforms using Adyen for Platforms. Eligibility depends on transaction volume and quality processed through Adyen and is rolled out in selected markets.	Available independently of your PSP. No requirement to move your payment stack. Designed for B2B platforms that need invoice-level financing, regardless of card volume.
Financing basis	Revenue-based capital tied to historic and future Adyen transaction flow. Repayments are linked to payment volume.	Invoice-based financing. Funds are advanced against validated invoices and repaid when buyers settle on agreed net terms (30–90 days).
Support for long-tail suppliers	Eligibility tied to user transaction history and risk profile. May not extend consistently across small or thin-file sellers.	Underwrites the buyer (debtor), not the supplier. Enables financing for suppliers of all sizes, including the long tail issuing small invoices.
Risk and operational responsibility	Primarily a capital advance product layered on payment processing. Does not function as a full non-recourse invoice purchase model.	Non-recourse invoice purchase. Aria absorbs credit risk, manages collections, handles disputes, and automates KYC/KYB, fraud checks, and reconciliation at scale.

Why choose Aria as your invoice financing solution if you don’t meet Adyen’s Capital revenue or volume thresholds

Embed invoice factoring for suppliers of all sizes inside your platform

At Aria, our mission is to transform B2B payment experiences by enabling faster payments for suppliers. Our solution helps B2B marketplaces and platforms offer invoice factoring that is fully embedded via API so that sellers get same-day payments without ever leaving your product.

Here’s how it works in practice:

Onboarding inside your marketplace: Buyers and sellers sign up and onboard directly in your platform – no redirects or separate portals. User data flows straight into Aria so we can run KYC/KYB, credit checks, and risk assessments automatically. Thanks to our technology, 92% of applications and requests receive instant decisions.
Invoices flow automatically to Aria: Sellers submit invoices through your marketplace as usual. Invoices are pushed to Aria via API – no CSV uploads, no extra admin.
One click for instant payment: Once the buyer validates the invoice, the seller can request instant payment with a click inside your interface. Aria advances up to 100% of the invoice amount, often within 24 hours.
Buyers keep their usual terms: Buyers pay on their normal terms (Net 30, 60, or 90). Aria collects payment and manages the repayment schedule in the background.

Importantly, we underwrite the buyer, not the supplier. That means you can finance even very small sellers at scale: the long tail that traditional factors and bank programs usually ignore. Combined with high automation, you can support thousands of small invoices without adding headcount.

You also don’t have to use your own cash. With €2 billion in financing capacity, Aria can support you as your marketplace scales.

Risk, collections, and disputes are handled for you

With Aria, you outsource credit risk and collections while keeping control over the user experience.

We take full responsibility for extending credit and managing repayments.
Our system sends smart, friendly reminders when payments are due.
If a buyer is late, our team handles collections according to a workflow we design with you during our workshops, which means recovery doesn’t damage your relationships.

“In our workshops with clients, we try to understand if all workflows are optimal and if the solution is a match for our clients’ needs and their current processes.” – Laura Ghedi, Implementation Specialist at Aria

Behind the scenes, Aria’s automated risk analysis system keeps everything compliant and protected:

Global KYC/KYB checks in 100+ countries
Credit and solvency assessments with recommended limits
AI-powered fraud detection to spot suspicious activity
Invoice validation and tracking through a white-label interface so that disputes aren’t discovered too late

With everything embedded and automated, you reduce manual work, keep costs down, and handle even high volumes of small invoices with ease.

Scale internationally with a multi-currency solution

As you expand, your financing partner has to keep up. Aria already supports buyers and sellers in 100+ countries and across multiple currencies, including EUR, USD, GBP and CHF, and works across rails like SEPA, SCT, SWIFT, and FPS. Buyers can even receive a single IBAN to simplify international payments.

This means you can roll out the same payment experience across markets instead of stitching together local providers.

Built for B2B marketplaces, SaaS platforms, and enterprises

Aria usually works with:

B2B marketplaces (product and services)
Talent and staffing platforms
Vertical SaaS and ERPs
Corporate treasury systems

That said, every platform is different. Even if you don’t tick every box, we’re flexible and happy to explore how Aria can fit your setup.

You can also choose how to handle fees: absorb them as a value-add or pass them on transparently to suppliers. Either way, instant payments become a clear advantage that helps you attract and retain sellers and unlock new revenue streams.

Case study: Job&Talent

Job&Talent, an AI-powered workforce platform, placed 300,000 workers and processed €1.8 billion in payments in 2024. To bridge the gap between long buyer terms and workers needing immediate pay, they were juggling 20 different factoring partners.

In a partnership with Aria, the results have been significant:

Invoices now flow automatically via a NetSuite integration
Workers get paid within 24 hours
Operational workload dropped by 60%

Today, Job&Talent runs on a single, scalable financing solution that supports its expansion into new markets.

“What convinced us about Aria is the fact that they were extremely responsive when we started the process, when we started reaching out, and we just got the impression that they’re extremely flexible, in terms of what they’re willing to offer, how they’re willing to accommodate the changes specific to us.” – Zandre Coetzee, VP Finance at Job&Talent

Read the full case study here: From 20 factoring partners to one: How Job&Talent automated invoice financing across Europe

Pitfalls to avoid when choosing the right alternative to Adyen Capital

When you’re looking for an alternative to Adyen Capital, watch out for a few common traps:

Only financing your largest suppliers: Many providers still underwrite suppliers, not buyers. That leaves long-tail merchants without access to liquidity. Look for a partner that can underwrite buyers and support even the smallest invoices, so financing really is available across your platform.
Redirects and disjointed user journeys: If sellers have to leave your platform to apply for financing, usage drops, and your brand loses visibility. Make sure your provider offers white-label flows and a simple REST API so that onboarding, invoice selection, and payout all happen inside your product.
Recourse risk sitting on your balance sheet: Some solutions push credit risk back onto you if a buyer defaults. Check whether financing is non-recourse, how default risk is handled, and who manages collections. With Aria, for instance, you can benefit from non-recourse protection and collaborative recovery workflows tailored to your brand.
Limited geography or currency coverage: A local provider might work for one market but become a bottleneck as soon as you launch in another. Look for multi-country, multi-currency support from day one so you don’t have to re-platform financing every time you grow.

Conclusion

If you don’t meet Adyen Capital’s requirements or if you don’t want to rebuild your payment stack around a single PSP, you still have options.

Embedded invoice factoring with Aria enables you to:

Pay suppliers quickly – often within 24 hours – of invoice validation
Let buyers keep their usual payment terms
Avoid using your own funds or taking on credit risk
Support small and large suppliers across 100+ countries
Integrate via a flexible API and keep your existing workflows

As you grow, Aria grows with you, from €200k a month in volume to millions in financed invoices.