Defacto Taps Mambu to Automate SME Financing Payments

French B2B lender Defacto has tapped Mambu to automate payments for its receivable financing business.

Defacto is using Mambu Payments for SEPA connectivity, allowing it to manage disbursements and repayments through a single API while keeping its existing banking setup.

The infrastructure is already being extended to a second institutional partner.

Since launching in 2021, Defacto has financed more than €1.5 billion for over 25,000 SMEs across five European markets.

The companies began scoping the project in July 2025, launched a beta in November and moved into full production in January 2026.

“Mambu Payments allowed us to focus our engineering efforts on delivering value for our customers rather than building and maintaining complex banking connectivity.

The result is a flexible payments foundation that supports our current programmes while giving us the confidence to expand to additional partners in the future,”

said Jordane Giuly, CEO & Co-Founder, Defacto.

“Defacto’s implementation demonstrates how modern, API-first infrastructure enables fintechs to launch faster and scale institutional partnerships without building bespoke bank integrations.

By automating the underlying payment layer, Mambu Payments provides the real-time connectivity that allows Defacto to deploy its own lending programmes directly into the infrastructure of one of France’s leading financial institutions,”

said Victor Mithouard, VP Payments & Strategy, Mambu.

Featured image: Edited by Fintech News Switzerland, based on image by Magnific

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