Paysafe and Fiserv Expand Strategic Partnership to Power SMB Growth and Innovation

Paysafe and Fiserv are doubling down on their long partnership to deliver smarter, faster, and more secure payment solutions, specifically targeting small and medium-sized businesses (SMBs).

This Paysafe-Fiserv Partnership embeds Fiserv’s Clover Capital right into the platform, so small businesses can secure funding faster and with less paperwork, clearing away common financing hurdles.

Paysafe will also tap into Fiserv’s Data-as-a-Service technology to strengthen its fraud prevention and risk management capabilities to boost trust and security for both merchants and their customers.

U.S. Clover merchants will soon get a co-developed digital wallet that delivers near-instant settlements and bundles a full range of banking services into a single, seamless interface, streamlining back-office workflows and giving customers a faster, smoother checkout.

Key Takeaways

• Paysafe will integrate Fiserv’s Clover Capital solution, giving small-to-medium businesses access to the capital needed for growth.
• The Paysafe-Fiserv Partnership extends to security. Paysafe will use Fiserv’s Data‑as‑a‑Service tools to revamp fraud detection and risk management for both merchants and consumers.
• In the U.S., they’re launching a digital wallet embedded in Fiserv’s Clover merchant platform. This wallet aims to provide faster settlements and broader banking services, boosting efficiency for businesses.
• The Paysafe-Fiserv Partnership aims for a shared goal, which is to deliver growth tools – financing, fraud protection, and digital wallets for SMBs. For merchants, this means smoother operations; for customers, a better payment experience.

Paysafe-Fiserv Partnership to Deliver Faster Funding, Smarter Fraud Tools, and Streamlined Payments for SMBs

Paysafe and Fiserv have taken their long-standing deal a step further. On May 9, 2025, in London, they announced new tools to help small and medium-sized businesses grow. The focus is on three things: faster access to cash, better fraud protection, and simpler payments.

Small businesses often struggle when cash runs low. Traditional loans can take weeks to approve, and credit checks don’t always tell the whole story. That’s where Clover Capital comes in. It looks at actual sales data from Clover point-of-sale systems to offer financing. By plugging Clover Capital directly into Paysafe’s merchant portal, business owners can see financing offers the moment they check their payment reports. No more switching screens or filling out long forms. It cuts approval times from weeks to days and helps owners stock up for busy seasons or take on new projects without delay.

Fraud is another headache, especially for smaller merchants. One bad chargeback can eat into tight profit margins. Paysafe will now tap into Fiserv’s Data-as-a-Service feed to beef up its risk engine. This feed gives real-time info on transaction patterns, device IDs, and location signals. The result is smarter fraud checks that block true threats and let genuine customers through. That means fewer false declines, happier buyers, and less time spent on disputes.

They’re also rolling out a new digital wallet inside the Clover ecosystem. Merchants can get paid almost as soon as a sale happens, rather than waiting days for batch settlements. The wallet works like an all-in-one account. You can view incoming payments, pay bills, track expenses, and even tap into financing options. For shoppers, it means a smoother checkout whether they buy online or in person. For merchants, it cuts down on juggling multiple bank portals and manual reconciliations.

Bruce Lowthers, Paysafe’s CEO, noted that the new initiatives showcase the growing strength of their alliance with Fiserv, allowing them to build forward-looking solutions that open fresh opportunities for SMBs and speed up their product rollout.

Jennifer LaClair, Head of Merchant Solutions at Fiserv, added that the deeper collaboration with Paysafe underlines their shared commitment to giving small and medium-sized businesses the tools they need to succeed in today’s digital economy.

Early pilots back up the promise. Merchants using the new wallet saw settlement times drop by up to 60%. And those using Clover Capital got their funds in days instead of weeks. That extra speed and certainty can make a big difference when you’re buying inventory or planning a promotion.

By teaming up with Paysafe, Fiserv adds wallet and advanced fraud tools to its mix, making Clover more than just payment hardware.

Together, they’re gunning for a slice of a payments market that’s set to top $10 trillion by 2027. Within that, small and mid-size businesses matter a lot. They spend across many channels and often move quickly to try new tech. Competitors like Square, Stripe, and PayPal already offer aspects of what Paysafe and Fiserv are bundling here – merchant lending, wallets, analytics – but none can match the combined reach of Paysafe’s payments network and Fiserv’s 4 million-plus Clover merchants.

The Paysafe-Fiserv Partnership isn’t stopping in the U.S. They plan to bring these services to select markets abroad by early 2026. Next up on the roadmap are invoice financing and dynamic discounts inside the wallet. They also want to roll out predictive dashboards to help merchants forecast sales and manage inventory. And they’ll open up more APIs so third-party developers can build new tools on top of their joint platform.

At its core, this is more than just adding newer features. It’s about making life easier for business owners who juggle payments, accounting, and financing every day. Faster cash means fewer missed opportunities. Smarter fraud checks mean less lost revenue. A unified wallet means less admin work. For an SMB owner, those gains can add up to real growth.

And that’s the point. Paysafe-Fiserv Partnership isn’t just adding more services. They’re knitting them together so merchants don’t have to. Whether you’re a café owner gearing up for the morning rush or an online retailer launching a sale, these tools aim to give you time back and cash flow you can count on. That’s how this partnership plans to help small businesses move forward.

About Paysafe

Paysafe Limited (NYSE: PSFE) is a leading multinational online payments company that provides payment processing, digital wallet, and online cash solutions to businesses and consumers worldwide, with a particular focus on the entertainment sector. Founded in 1996 as Optimal Payments PLC, Paysafe is legally domiciled in Bermuda with corporate headquarters in London, England, and offers services under both the Paysafe brand and a suite of subsidiary brands, including Skrill, Neteller, paysafecard, and Paysafecash. The platform processed $152 billion in annualized transactional volume last year and supports more than 260 payment types across 48 currencies, fueled by about 3,300 employees in five main hubs on three continents.

Led by Chairman Dan Henson and CEO Bruce Lowthers, Paysafe reported revenues of $1.71 billion and net income of $22 million in 2024, reflecting steady growth under its strategic leadership team. The company holds licences from major regulators such as the U.S. Securities and Exchange Commission, the UK Financial Conduct Authority, and the Central Bank of Ireland, enabling it to navigate complex regulatory environments across its markets. Paysafe went public on the New York Stock Exchange in March 2021 (ticker PSFE) following a merger with Foley Trasimene Acquisition Corp II, and continues to expand through partnerships such as its April 2022 collaboration with Exeter Finance to offer eCash payment solutions for U.S. auto loans.

About Fiserv

Fiserv, Inc. (NYSE: FI) is an American multinational financial technology company headquartered in Milwaukee, Wisconsin, and a component of the S&P 500. Founded in 1984 through the merger of First Data Processing and Sunshine State Systems, Fiserv has grown into a global leader in payments and fintech, serving thousands of financial institutions and millions of businesses in more than 100 countries.

In fiscal year 2024, Fiserv reported revenues of $20.5 billion, operating income of $5.88 billion, and net income of $3.13 billion, reflecting its diversified services and scale. Led by President and CEO Mike Lyons, alongside CFO Robert W. Hau and COO Guy Chiarello, the company employs approximately 38,000 associates worldwide and continues to innovate through products such as Carat, Clover, and CardHub, as well as strategic partnerships and acquisitions.

Conclusion

The expanded Paysafe-Fiserv Partnership reflects a practical response to what small and mid-sized businesses need most: quicker funding, stronger fraud protection, and simpler payment tools. By integrating financing directly into the payment flow, improving fraud checks with real-time data, and introducing a business-focused digital wallet, the two companies are working to reduce the friction SMBs face in daily operations.

With early results already showing faster settlements and easier access to capital, this collaboration is positioned to help business owners manage cash flow more efficiently and stay competitive in a fast-changing payments landscape. As they scale these services beyond the U.S., the focus remains clear: help SMBs grow by giving them more control over their time, money, and data.