Where Payments Complexity Meets Specialized Expertise
In embedded finance, the difference between success and failure often lies in compliance details, settlement mechanics, and unique data requirements specific to your industry. A general payments strategy will always fail against specialized operational friction.
ExpandUp Consulting doesn't offer one-size-fits-all advice. We deploy proven leaders who have successfully designed, built, and scaled payment platforms within the most complex and regulated industry verticals.
Vertical B2B Marketplaces & Multi-sided Platforms
Marketplaces face the highest degree of complexity due to multi-sided risk, dynamic commission structures, and massive supplier onboarding requirements. The challenge is turning operational complexity into a highly profitable payment flow.
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Unique Payment Challenges:
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Multi-Party Settlement: Handling compliant distribution of funds across buyers, sellers, and the platform (including 1099-K reporting).
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Supplier Onboarding (KYB/AML): Implementing scalable Know Your Business (KYB) and Anti-Money Laundering (AML) workflows.
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Risk & Fraud Mitigation: Developing intelligent risk scoring tailored to marketplace dynamics.
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How ExpandUp Provides Expertise:
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Designing compliant settlement models and optimizing supplier payout velocity.
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Building robust compliance frameworks that minimize friction.
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Implementing strategies to achieve lowered fraud losses without impacting acceptance rates.
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Expected Outcome: Optimized settlement flows, reduced onboarding drop-off, and a robust compliance fortress.
Vertical SaaS for Property & Real Estate (PropTech)
PropTech involves high-volume, recurring, and often highly sensitive payments that require specialized ledger management and escrow compliance. The key is automating the flow of funds to remove human error and legal risk.
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Unique Payment Challenges:
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Escrow & Trust Accounting: Navigating state-specific trust accounting rules and FBO account compliance.
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Recurring Payment Reliability: Optimizing recurring billing systems to reduce involuntary churn.
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Tenant/Landlord Ledger: Managing the data model for instantaneous, accurate reconciliation of rent, fees, and deposits.
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How ExpandUp Provides Expertise:
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Advising on proper FBO account usage and ensuring audit-proof compliance.
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Building systems that leverage multiple payment rails for maximized payment acceptance.
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Designing data models for automated fund attribution, resulting in 99%+ automated reconciliation.
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Need compliant funds segregation? See our BaaS Advisory Service.
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Expected Outcome: De-risked capital management, increased Customer Lifetime Value (LTV), and reduced OpEx for finance teams.
Vertical Niche Lending & Specialized FinTech
When your financial product relies on speed of disbursement, complex loan servicing, or specific regulatory reporting, the payment rails become the foundation of your risk model.
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Unique Payment Challenges:
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Rapid Disbursement Mechanics: Integrating real-time payments (RTP/FedNow) while maintaining fraud and compliance checks.
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High-Volume Collections: Developing dynamic recovery strategies compliant with consumer protection laws.
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Core Systems Integration: Seamlessly linking BaaS solutions with general ledgers and operating systems.
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How ExpandUp Provides Expertise:
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Structuring real-time payment (RTP/FedNow) integrations to create an enhanced competitive advantage.
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Designing waterfall logic and specialized ACH handling for optimized collections performance.
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Ensuring a single source of truth for all funds movement and superior compliance visibility.
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Expected Outcome: Near-instant funding availability, minimized regulatory exposure, and unified financial reporting.
Your Payments Challenge is OUr Specialization
If your platform deals with regulated funds movement, complex settlement, or high-volume transactions, you need executive leadership that has successfully navigated your specific operational terrain.
We bring that proven blueprint to your team, accelerating your execution and de-risking your scale.