Setting up Embedded Finance Engine (EFE) requires minimal effort on your end. Worldpay for Platforms handles the majority of the integration effort to connect your platform with financial products. Throughout the implementation process, your Partner Success Manager (PSM) works with you to identify and execute your preferred integration method, your branding choices, and your marketing plan.
Integration Methods
The following table describes the options for integrating with the EFE platform. Regardless of the method you choose, your Merchants will experience a seamless process for accessing financial services within a centralized platform that reflects your brand.
Integration Method | Merchant Experience | Partner Responsibilities |
|---|---|---|
No code | Merchants access the Offers page in your white-labeled Payrix Pro Portal. This page is built with a widget that Worldpay for Platforms white labels and embeds on your behalf. |
|
Low code | Merchants access financial offers through a widget embedded in your own platform or application. Worldpay for Platforms white labels the widget on your behalf. | In addition to the responsibilities listed for no-code integration:
|
Branding Guidelines
The Implementations team white labels or co-brands your solution based on the assets and style preferences you provide. A white-labeled solution uses your logo. A co-branded solution uses your logo alongside the embedded finance provider’s logo.
You have the following branding options:
Logo: The logo is displayed in the offer overview section of your portal. We recommend providing a horizontal logo that meets the following requirements:
File type: PNG or JPEG file
Aspect ratio: 16:9 or 3:4
Favicon: The favicon represents your site in browser tabs. Provide an ICO file.
Theme: Select a preconfigured theme or fully customize your theme.
A preconfigured theme sets a color theme that matches your brand identity. All preconfigured themes use a Source Sans 3 font, a 1-pixel button border width, and an 8-pixel button border radius. Choose one of the following themes:
Dark (black and blue)
Deep purple
Light (blue and white)
Orange
Teal
A fully customized theme sets the font, colors, and button styles to reflect your brand. The following table describes each setting.
Custom Theme Setting
Description
Options
Font family
Sets the font used for all text displayed in the portal
Source Sans 3, Poppins, or Inter
Text color
Sets a color to all text
Any hex color code
Action color
Sets a color to buttons
Any hex color code
Background color
Sets a color to the background of the page
Any hex color code
Highlight color
Sets a color to icons
Any hex color code
Button border width
Sets the thickness of button borders
1 to 8 pixels
Note: If no preference is specified, the default setting of 1 pixel will be applied.
Button border radius
Sets the rounding of button corners
1 to 8 pixels
Note: If no preference is specified, the default setting of 8 pixels will be applied.
Onboard to Embedded Finance
Your involvement in the EFE implementation process includes the following phases:
Onboarding kickoff
Marketing collateral creation and signoff
Portal setup
The following sections describe each implementation phase and the tasks that you must complete to onboard to the Embedded Financial Engine and start offering financial products on your platform.
Onboarding Kickoff
During the first phase of the implementation process, you’ll attend a kickoff call with your PSM and the Implementations team. This call covers topics concerning the EFE platform, including the support model, integration options, best practices for emails and branding, the implementation timeline, and next steps.
After the kickoff call, complete the following to begin setup of your embedded financial solution:
Confirm your branding and marketing preferences. The following table describes each choice you need to communicate to Worldpay for Platforms:
Implementation Preference
Partner Action
Additional Information
Branding
Determine the following for your brand:
Whether to white label or co-brand the embedded solution
The name of the financial program you’re offering to Merchants
See the Branding Guidelines section for more information about branding.
Offer file receipt
Confirm the methods for Merchant receipt of offers:
Display offers in the Payrix Pro portal
Deliver through secured email
Notify through webhooks
See the Configure Web and Email Alerts section for more information about webhooks and email alerts.
Email cadence
Confirm the frequency for sending marketing emails.
We recommend an email cadence of every two to four weeks.
Provide your preferred integration method.
Complete the onboarding questionnaire.
Marketing Collateral Creation and Signoff
During this implementation phase, you will:
Review the email templates that you’ll use for marketing your solution to merchants. See the next section for each template.
(Optional) Create additional marketing collateral, such as the offer landing page.
Submit your logo and marketing materials to the Implementations team for approval by the embedded finance provider. See the Branding Guidelines section for guidelines on the logo.
While the embedded finance provider reviews your submitted materials, the Implementations team will inform you of any changes that you need to make for legal or compliance reasons.
During this implementation phase, the Implementations team also collaborates with the embedded finance provider and other teams at Worldpay for Platforms to connect your Payrix Pro platform data to EFE.
Review Email Templates
You can use the following templates for your program launch email and offer emails. These templates have been pre-approved by Parafin for marketing use. If you want to make any changes, you must submit your modified emails for approval by Parafin.
Prelaunch Email Template
Subject Line: Introducing {Partner} Capital loans, a new offering for you
Header: Financing tailored to your business
Body:
Hi {Name},
We’re always looking for new ways to set up our merchants for success. That’s why we’re introducing {Partner} Capital loans — a new way to get fast and flexible funding. You can use the funds for business purposes such as repairs, remodel, payroll and hiring, and even expansion to new locations.
In the coming weeks, you may receive an invitation to accept your personalized offer(s). Be on the lookout, because it will expire!
Benefits
Easy application. You’re pre-approved based on sales history at each of your business’s locations. No lengthy paperwork, credit checks, or collateral required.
Repayments that make sense. They're automated and based on a fixed percentage of your sales at each location.
One fixed fee. No interest. No late fees.
Have questions?
Visit our FAQs.
You can also get in touch directly:
-Email at {Partner}[email protected]
All loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Loans are governed by the Loan Agreement and Parafin's Privacy Policy. Bank transfers are subject to review.
If you no longer wish to receive offer emails, unsubscribe here.
Offer Email Template 1
Subject Line: You’ve Been Pre-Approved for up to $[total_approved_amount merge field] For Your Business
Header: Your {Partner} Capital loan offer is here!
Body:
Hi {Name},
Great news! Based on sales performance, your business is pre-approved for a {Partner} Capital loan(s) of up to $[offer_url merge field]! Funds can be used for business purposes such as inventory, equipment, repairs, payroll, utility bills, and even expansion.
CTA: View pre-approved offer(s)
How it works
Easy Application
We rely on sales history to determine eligibility. No lengthy paperwork, credit checks, or collateral required.
Quick Funding
If approved, funds can be available in as little as 1 business day.
Sales-based payments
Financing terms don’t always account for the ebb and flow of business. {Partner} Capital is meant to do just that.
Payments are based on a fixed percentage of gross sales at each of your business’s locations, and automatically debited
from your linked bank account, no late fees.
One Fixed Fee
There’s no interest or sign-up fee, just one fixed fee that you pay over the term of the loan.
CTA: View pre-approved offer(s)
Have questions?
Visit our FAQs.
You can also get in touch directly:
- Email at {Partner}[email protected]
All loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Loans are governed by the Loan Agreement and Parafin's Privacy Policy. Bank transfers are subject to review.
If you no longer wish to receive offer emails, unsubscribe here.
Offer Email Template 2
Subject Line: You’re Pre-Approved for up to $[total_approved_amount merge field] For Your Business
Header: Financing tailored to your business
Body:
Hi {Name},
Based on your sales performance you’re pre-approved for a {Partner} Capital loan of up to $[offer_url merge field]! Funds can be used for business purposes such as inventory, equipment, repairs, payroll, utility bills, and even expansion.
CTA: View pre-approved offer(s)
How it works
Easy Application
We rely on sales history to determine eligibility at each of your business’s locations. No lengthy paperwork, credit checks, or collateral required.
Quick Funding
If approved, funds can be available in as little as 1 business day.
Sales-based payments
Financing terms don’t always account for the ebb and flow of business. {Partner} Capital is meant to do just that.
Payments are based on a fixed percentage of gross sales at each location, and automatically debited from your linked bank account, no late fees.
One Fixed Fee
There’s no interest or sign-up fee, just one fixed fee that you pay over the term of the loan.
CTA: View pre-approved offer(s)
Have questions?
Visit our FAQs.
You can also get in touch directly:
-Email at {Partner}[email protected]
All loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Loans are governed by the Loan Agreement and Parafin's Privacy Policy. Bank transfers are subject to review.
If you no longer wish to receive offer emails, unsubscribe here.
Offer Email Template 3
Subject Line: You’ve Been Pre-Approved for up to $[total_approved_amount merge field] For Your Business
Header: Financing tailored to your business
Body:
Hi {Name},
Applying for funding can be complicated–from credit checks to long forms to gathering documents from each of your locations. So we made the application easy, because you’re already pre-approved based on your sales history. Spend less time stuck in loopholes, and more time growing your business.
[CTA] View pre-approved offer(s)
How it works
Easy Application
We rely on sales history at each location to determine eligibility. No lengthy paperwork, credit checks, or collateral required.
Quick Funding
If approved, funds can be available in as little as 1 business day.
Sales-based payments
Financing terms don’t always account for the ebb and flow of business. {Partner} Capital is meant to do just that.
Payments are based on a fixed percentage of gross sales at each location, and automatically debited from your linked bank account, no late fees.
One Fixed Fee
There’s no interest or sign-up fee, just one fixed fee that you pay over the term of the loan.
CTA: View pre-approved offer(s)
Have questions?
Visit our FAQs.
You can also get in touch directly:
-Email at {Partner}[email protected]
All loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Loans are governed by the Loan Agreement and Parafin's Privacy Policy. Bank transfers are subject to review.
If you no longer wish to receive offer emails, unsubscribe here.
Portal Setup
During this phase, the Implementations team helps you apply your branding preferences and finalize the enablement of embedded finance for your platform.
Customize Branding
To customize the branding of your financial offering, complete the following steps:
Provide your branding and email routing preferences to the Implementations team, who will apply the proper configurations. See the Branding Guidelines section for branding options.
Validate the brand configurations in your Payrix Pro portal or native platform.
Configure Web and Email Alerts
You can set up web alerts (also known as webhooks) and email alerts if you want to send automated notifications about financial offers to your system or to Merchants. The following events can trigger EFE offer alerts:
VAS EFE Offer Created: Sends a notification when an offer is created for a Merchant
VAS EFE Offer Expiring: Sends a notification seven days before an offer expires
VAS EFE Offer Approved: Sends a notification when an offer is approved
See Setting Up Web Alerts (Webhooks) and Setting Up Email Alerts for details on how to set up each type of alert. For a no-code integration, the Implementations team will support you in setting up your webhooks and email alerts.
Manage Embedded Finance for a Merchant
After onboarding to EFE, your financial offerings are enabled for all Merchants who meet Parafin’s eligibility criteria.
To exclude a Merchant from your financial offerings:
Access the Payrix Pro portal.
Under Admin in the left navigation menu, select Embedded Finance.
Find the row with the name of the Merchant you want to exclude from financial offerings and click Disable.
You can return to the same page to re-enable financial offerings for the Merchant at any time.