Merchants can work through platforms or intermediaries to process invoices and receive payments through Finqle. This creates a three-party model between you, your Debtor and the platform, and it changes how you submit work and where fees come from.
TL;DR
- The platform submits Billing Requests on your behalf, based on the checkout or job data it already has.
- You keep the same Direct Payment versus standard flow choice as a direct Finqle merchant, but the platform may pre-select it for you.
- Platform fees are usually bundled into your net payout alongside the Finqle factoring fee. See the worked example in Costs & Fees.
How a platform-mediated transaction flows
What the platform does for you
- Submits Billing Requests using data from its own checkout or job flow, so you usually do not create them manually.
- May bundle its own platform fee into the transaction alongside Finqle's factoring fee.
- May pre-configure your Debtor relationship and payment terms as part of your platform agreement.
Fees when working via a platform
Your net payout is reduced by both the Finqle factoring fee and the platform's own fee, each with its own VAT. See Example B in Costs & Fees for a full worked calculation, and Invoicing Documents for what the Platform Fee invoice (V-series) looks like.
Account access
Depending on your platform agreement, you may or may not have your own My Finqle login:
- If you do, you can view your invoices, statements and profile the same way as a direct Finqle merchant. See Onboarding/Registration Process.
- If you do not, the platform manages submissions on your behalf. Request statements and documents through the platform, or contact Finqle support directly.
FAQ
Can I create a Billing Request myself instead of going through the platform?
Usually not. The platform is set up to submit Billing Requests automatically based on its own checkout or job data. If you need a one-off manual Billing Request, contact Finqle support to check whether your setup allows it.
Why do I not see a "create invoice" option like a direct Finqle merchant?
Platform-mediated merchants typically do not submit invoices directly. The platform triggers the Billing Request and Finqle auto-converts it once approved. See Billing Requests and Invoices for how that flow works.
The platform fee looks bundled into one deduction, how do I see the breakdown?
Check your Transaction Statement (T-series). It itemizes the factoring fee and platform fee separately, even when they are deducted together. See Invoicing Documents.
How do I get a My Finqle login if I do not have one?
Ask the platform whether individual merchant logins are included in your setup, or contact Finqle support directly to request one.
Something looks wrong with an invoice the platform submitted for me, who do I contact?
Start with the platform, since it controls the underlying checkout or job data. If the issue is about the payout itself (fees, timing, IBAN), contact Finqle support at info@finqle.com.