How Lendismart scaled its financing platform with advanced payment solutions
Their SaaS platform is robust, versatile, and adaptable to a wide range of sectors, fulfilling their vision of making financing accessible to businesses of all sizes. Today, Lendismart not only operates in five countries but also manages over a billion euros annually in consumer financing.
In this case study, we chat with Ricardo Catalán, Lendismart’s co-founder and CEO, to uncover the project's origins, how Lendiplan came to be, and how their collaboration with MultiSafepay has enabled them to offer a much more integrated, localized, and secure payment experience.
Lendismart: building a scalable financing platform for B2B and B2C
Ricardo, how did Lendismart come about and what led you to create a platform like this?
We started in 2016, after working in consultancy and seeing firsthand how existing financing solutions operated. Most were designed exclusively for large companies, with expensive licenses and technologies that didn’t cover the full operational process. We saw a clear opportunity to create a scalable and versatile SaaS platform, capable of adapting to businesses of all sizes and sectors. From the start, our vision was international. Today, we work in Spain, Portugal, Italy, France, and the UK.
What were those early steps before the platform was fully established?
The early days were tough. We spent a year developing without any revenue, working hard on the product. But when we landed our first clients, everything changed. It allowed us to scale, enhance the platform, and make it more robust and flexible. Today, we work with nearly 100% of the financial institutions in Spain, both traditional players and BNPL providers. We manage over one billion euros in financing per year.
Today, we work with nearly 100% of the financial institutions in Spain, managing more than €1 billion in annual financing.
What’s been the biggest challenge so far?
Gaining the trust of traditional financial institutions, no doubt. At first, they saw us as a threat—fearing price erosion or a comparison-model approach. But we proved otherwise. Our approach has always been about building sustainable and transparent partnerships where everyone benefits.
What truly sets you apart in the industry?
Our platform stands out for its reliability, usability, and low incident rate. We have a fully dedicated technical team, and a 15 people Customer Service team with both technical and financial ability. We respond quickly, solve issues, and offer real support. That responsiveness and agility really set us apart.
Our platform stands out for its strength, ease of use, and reliability—and our approach is to build sustainable, long-term relationships.
Lendiplan and MultiSafepay: tailored payment integration for real business needs
Now let’s talk about one of your standout products—how did Lendiplan come to life, and which sectors have embraced it most?
Lendiplan was a natural evolution of Lendismart. We found a gap in long-term service sectors, where traditional financing options didn’t meet the specific needs of merchants. So, we developed Lendiplan, a white-label BNPL solution, that enables businesses to offer financing to their customers without assuming the complexity of payment collection.
Together with MultiSafepay, we automate the entire process, making it seamless and scalable. In practice, sectors like education and healthcare have shown the highest adoption rate, given the long-term relationships they build with clients. These are also sectors where profit margins make it workable to assume controlled financing risk associated with self-financing models, which makes Lendiplan a perfect fit.
How did your partnership with MultiSafepay begin?
We evaluated several PSPs. What we were looking for was trust, strong technical and commercial support, international presence, and competitive pricing, and MultiSafepay ticked all those boxes.
From the start, the integration was smooth and flexible, with white-label options and great usability improvements. It allowed us to adapt the payment process to each client’s branding, creating a more fluid, clear, and consistent checkout experience for the end user.
With MultiSafepay, we found a trusted payment partner with solid support, international reach, and white-label integration options.
Which MultiSafepay solutions are you using today?
We mainly process card payments, Bizum, and offer recurring payments as a billing model. This flexibility, combined with a remarkably high acceptance rate, is key to providing a seamless purchase experience. And if there’s ever an issue, MultiSafepay’s team is responsive and efficient—which we really appreciate.
Speaking of payment methods, how important are local payment options in your strategy?
Local payment methods play a critical role in the customer journey. Offering options like Bizum in Spain or MB Way in Portugal doesn’t just improve conversion—it builds trust. When shoppers see a payment method they recognize and use regularly, they feel more comfortable and are far more likely to complete the transaction.
MultiSafepay allows our clients to automatically localize the checkout experience based on the shopper’s country, showing the most relevant payment options first. This smart localization doesn’t require any extra development on our end, which is a major plus and it has a direct impact on transaction success, especially in high-intent sectors where every click counts. This increase in conversion rate is key.
What would you highlight about the technical integration with MultiSafepay?
MultiSafepay’s API stands out for being clearly structured, well-documented, and easy to work with. From the start, our development team appreciated how intuitive the integration process was—helping us reduce time-to-market and minimize friction. It offers the flexibility and control we need to adapt the payment flow to each merchant’s setup, without adding unnecessary complexity.
The entire experience has been smooth and reliable. The clarity of the documentation, combined with the responsiveness of their technical team, has made ongoing development much more efficient.
It’s rare to find an integration that feels seamless from the very beginning. With MultiSafepay, we’ve gained the autonomy to move fast and build confidently.
How do you approach data protection and security in your payment operations?
It’s absolutely a top priority for us, but thankfully, it’s something we take for granted with MultiSafepay.
We especially value that MultiSafepay has a modular security architecture and uses technologies such as tokenization, which strengthen the protection of sensitive data throughout the entire payment process. Knowing that it follows the most demanding regulatory standards allows us to focus on our business without added concerns.
The future of Lendismart as a global financing platform
What are the future plans for Lendismart?
Right now, our top priority is international expansion. We’ve already built a solid presence in Spain and Portugal, and we want to keep growing in Italy, France, the UK, and beyond. We’re also entering new verticals such as the ecommerce industry, where we see strong potential to apply our payment solutions.
In the future, we want to grow in markets like the UK, Italy, and France, and keep expanding into verticals like ecommerce industry.
Would you recommend MultiSafepay to other businesses? Why?
Absolutely. MultiSafepay combines the accessibility of a close partner with the technical and operational capabilities of a large company. Their customer service is fast and effective, and their technology is solid. It’s a solution that has evolved quickly—and with their acquisition by Ant International, we believe this growth will only accelerate. For us, MultiSafepay has been a trusted partner since the very beginning.
MultiSafepay: the advanced payment solution to a strong partnership
At MultiSafepay, we work hand in hand with partners like Lendismart to help them scale their business and offer their clients reliable, seamless payment solutions tailored to their business model.
It’s a collaboration built on trust, ongoing support, and a shared vision: enabling smarter, more efficient, and fully connected payment experiences.
If you're also looking for a robust and flexible partnership that supports your growth, just contact us.
