The Embedded Finance page provides insights into merchant adoption of Embedded Finance Engine (EFE) solutions, specifically Merchant Working Capital. From this page, you can:
Track the full lifecycle of flex loans—from offer creation to application, approval, and repayment.
Monitor open offers to understand current merchant engagement and potential flex loans.
View Merchant-level data, including EFE enablement status and loan activity.
Analyze residual revenue generated from active loans.
Download reports for deeper analysis.
Manage the enablement of EFE for each merchant.
By managing EFE enablement and tracking relevant metrics in one place, you can gain visibility into how merchants are interacting with loan offers. This enables you to identify opportunities to increase adoption and make data-driven decisions to support merchant growth.
The following sections describe the features of the Embedded Finance page. To access this page, select Embedded Finance under Admin in the left navigation panel.
Metrics
The Metrics tab helps you monitor your merchants’ engagement with Merchant Working Capital. The top of this tab displays an overview of key metrics:
Merchants: The number of merchants with EFE enabled.
Offers: The number of offers extended​ to merchants.
Applications: The number of loan applications submitted by merchants​.
Open: The number of active loans. In other words, the number of loan applications that were approved.
Paid: The number of loans fully repaid by merchants.
Residual Revenue: The total residual that you earned through Parafin’s capital fee on flex loans.
You can select each tabbed category to display detailed metrics below the overview. You can also click CSV or XLS in the upper-right corner of the tab to download a report with all metrics for that category.
The following sections describe the data available under each category.
Merchants
Select the Merchants tab to display data on merchants who have had EFE enabled at any point. This tab lists the following fields:
Merchant Name: The name of the merchant.
Entity ID: The merchant’s entity ID.
Status: The merchant’s EFE enablement status. The possible statuses are Enabled or Disabled.
Enablement Date: The date and time EFE was enabled for the merchant.
Last Updated On: The date and time the merchant account was last updated.
Offers
Select the Offers tab to display data on loan offers extended to merchants. This tab lists the following fields:
Merchant Name: The name of a merchant that received an offer.
Entity ID: The merchant’s entity ID.
Offer ID: The unique identifier of the offer.
Offer Date: The date and time the offer was sent.
Expiry Date: The date and time the offer expires.
Split Settlement Enabled: This field will be used in the future when repayments are processed automatically. For direct debits initiated by Parafin, this field displays No.
Applications
Select the Applications tab to display data on loan applications submitted by merchants. This tab lists the following fields:
Merchant Name: The name of a merchant that submitted a loan application.
Entity ID: The merchant’s entity ID.
Offer ID: The unique identifier of the offer that the merchant applied to.
Status: The merchant’s EFE enablement status. The possible statuses are Enabled or Disabled.
Offer Date: The date and time the offer was sent to the merchant.
Applied Date: The date and time the merchant submitted their application.
Offers Status: The status of the offer. The possible status under this category is Applied.
Open
Select the Open tab to display data on active loans. This tab lists the following fields:
Merchant Name: The name of a merchant with an active loan.
Entity ID: The merchant’s entity ID.
Offer ID: The unique identifier of the approved loan offer.
Status: The merchant’s EFE enablement status. The possible statuses are Enabled or Disabled.
Offer Date: The date and time the offer was sent to the merchant.
Approved Date: The date and time the merchant’s loan application was approved.
Offers Status: The status of the offer and its associated loan. The possible status under this category is Approved.
Paid
Select the Paid tab to display data on repaid loans. This tab lists the following fields:
Merchant Name: The name of a merchant that completed repayment of a loan.
Entity ID: The merchant’s entity ID.
Offer ID: The unique identifier of the offer associated with the paid loan.
Status: The merchant’s EFE enablement status. The possible statuses are Enabled or Disabled.
Offer Date: The date and time the offer was sent to the merchant.
Paid Date: The date and time the loan was fully repaid.
Offers Status: The status of the offer and its associated loan. The possible status under this category is Paid.
Residual Revenue
Select the Residual Revenue tab to displays data on your residual revenue. This tab lists the following fields:
Merchant Name: The name of a merchant whose loan is generating residual revenue.
Entity ID: The merchant’s entity ID.
Residual Revenue: The revenue earned from the merchant’s loan.
Enablement
Select the Enablement tab to display a table with the following information:
Merchant Name: The name of the merchant.
Enabled: Whether EFE is enabled for the merchant.
Enablement Date: The date on which EFE was enabled for the merchant.
The following sections describe the features of the Enablement tab.
Manage Embedded Finance for a Merchant
You can enable or disable EFE for an individual merchant on the Enablement tab:
Find the row with the name of the merchant for which you want to enable or disable embedded finance.
Click Enable or Disable on the right side of the table.
Adjust Your Table View
You can customize your view of the Enablement table using the options at the top of the table:
Apply filters: View all merchants, only merchants with EFE enabled, or only merchants with EFE disabled by selecting All, Enabled, or Disabled above the table. The table repopulates to show only merchants relevant to the category selected.
Search the table: Narrow the list of merchants to only those that match a specific search term. See Table search for instructions on how to search the table.
Sort rows in the table: Sort information in ascending or descending order based on values in a specific column. See Table sorting for instructions on how to sort rows in the table.
View Residual Balance
Embedding financial products within your platform not only addresses your merchants’ financial needs but also helps increase your earnings. By integrating with EFE, you’ll receive payments based on your merchants’ use of embedded financial products. The revenue that you make from these products, known as residuals, is transferred to you as part of your existing payout process.
You can access different reports in the Payrix Pro Portal that display your residual payments at the merchant level, at the disbursement level, or at the total income level. The Embedded Finance Merchant Working Capital (EFMWC) Residual field shows the residuals that you earn through Merchant Working Capital. The following sections describe how to generate reports to view your residual amount at each level.
View Residuals by Merchant
To view your residuals at the merchant level:
Generate a Balance Details report.
View the total amount of each entry with EFMWC Residual as the event.
In addition to generating a report, you can view these residual amounts on the Balance Details page. To view all entries related to residuals, complete the following steps on the Balance Details page:
Click Filters to display a list of search parameters.
Expand Entries Data and select Event.
In the search box above the Entries table, select EFMWC Residual.
Click the search icon to display all entries associated with residual payments.
View Residuals by Disbursement
To view your residuals at the disbursement level:
Generate a Disbursement Summary report.
View the EFMWC Residual value for a disbursement.
In addition to generating a report, you can view details of a disbursement on the Withdrawal Details page:
Select Withdrawals under Admin in the left navigation panel.
In the Withdrawal History section, select the row containing details about a withdrawal that the disbursement is associated with.
In the Disbursement Details section, find the row with EFMWC Residual as the event type and view the following details about your residual amounts:
Credit: The total amount credited to your account
Disbursed: The total amount disbursed to your bank account
View Total Residual
To view your total residual income:
Generate a Profit & Loss Statement report.
In the Income section of the report, view the EFMWC Residual value.
In addition to generating a report, you can view your total residual revenue by accessing the Residual Revenue tab on the Embedded Finance page.