Partner banks
In bank-funded mode, the capital comes from a licensed institution. We originate the operation and integrate the flow; the bank funds it and holds the risk.
Active conversations with Portuguese institutions for API integration. We will announce partners here as agreements are signed, not before.
- Self-service origination via API
- White-label scoring + KYB
- BdP compliance + ESG datapoints
Expansion planned for Spain and Central Europe from Q4 2026, after the first PT pilots are validated.
- PSD2 passporting
- Multi-currency settlement
- SEPA SCT Inst. integration
Native connectors
Five ERP connectors in production, plus three on the roadmap. OAuth integration in 5 minutes, no CSV files, no IT implementation.
AP sync, automatic field mapping (VBELN, LIFNR, WRBTR, ZFBDT), webhooks for offer.accepted and settlement.
OAuth 2.0, REST/SOAP API. Supports Oracle Cloud ERP and Oracle E-Business Suite via adapter.
The most common ERP in Portuguese midcaps. Native connector, certified by the vendor.
For Portuguese SMEs. Sync of payables and receivables via REST API.
For holdings with multi-country operations. SuiteScript + RESTlet.
In development.
Payment orchestration
Advanta doesn't move money, it generates the payment instruction and hands it to the client's bank, or to a partner orchestrator. Multi-rail (SEPA Instant, MB Way, card, direct debit) with automatic fallback.
Cash-out via SEPA Instant, MB Way, card and direct debit. Smart routing based on amount, time and counterparty. Automatic reconciliation back to the client's ERP.
- SEPA Instant, T+0, ≤ €100k, 24/7
- SEPA Credit Transfer, T+1, no limit
- MB Way, T+0, ≤ €5k, PT only
- Real-time status events by webhook
Automatic posting to the ERP's AP ledger with a cross-reference to Advanta's payment_id. Coherent audit trail across instruction, execution and posting.
- Write-only audit log · 7 years
- DORA export · Banco de Portugal
- Automatic reversal on error
Accountants, statutory auditors and auditors
Certified accountants and auditors are the natural channel for SMEs. We work to make recommending Advanta simple, profitable and technically trivial.
Revenue share on every SME originated. Dashboard to track clients' financial health in real time. Onboarding in 10 minutes.
Export of ESRS S2 and S4 datapoints in a format compatible with PwC, EY, Deloitte and KPMG. Cuts CSRD audit friction by 60-80% versus manual collection.
Want to be a partner?
We work with banks, ERP vendors, payment processors, accounting firms and auditors. Tell us where you fit in.