Paymentpie

Paymentpie

Paymentpie was founded in 2021 by Or Fishel and Nir Maman in New York. The firm operates at the intersection of fintech and alternative credit, building infrastructure that connects funding providers with platforms that serve small and medium-sized businesses. Rather than functioning as a direct lender, Paymentpie provides the software layer that allows platforms to embed capital products into their own user experiences. The firm's core product syncs with a borrower's existing accounting or point-of-sale data to assess creditworthiness in real time and structure repayments as a percentage of daily sales. This approach spans merchant cash advances, revenue-based financing, and embedded lending programs. The technology integrates with platforms across North America, including e-commerce ecosystems and vertical SaaS providers handling millions in transaction volume. Paymentpie's model means it avoids balance-sheet risk — it doesn't originate the loans — but collects fees for the infrastructure and underwriting intelligence. Paymentpie is a lean, early-stage venture that has raised seed funding from fintech-focused investors. Team size and deployment figures are not publicly disclosed. The firm operates a remote-first engineering culture with a commercial presence in New York. It does not publish information about philanthropic structures, adjacent investment vehicles, or co-investment clubs. What structurally distinguishes Paymentpie is its embedded-finance architecture: it doesn't compete with the platforms it serves. Unlike a traditional fund or direct lender that builds a proprietary origination engine, Paymentpie white-labels its credit facility into existing software workflows, meaning a bookkeeping tool or e-commerce dashboard can offer capital to its users without ever appearing to be a financial company.