Australian Payments Infrastructure & AI-Powered Merchant Intelligence Platform

This is an Australian fintech company developing an integrated payments and merchant intelligence platform designed to modernise retail commerce.

The Company combines proprietary payment switching infrastructure, omnichannel payment acceptance capabilities and Australian-certified smart payment devices with advanced merchant intelligence software.

Its platform enables businesses to process in-store and online transactions through proprietary technology, supported by direct integration with a global payment management platform connected to major Australian banks.

The Company's longer-term strategy is to evolve beyond payment processing into a unified commerce ecosystem, leveraging artificial intelligence to transform transaction, customer, operational and supply chain data into actionable business intelligence.

Investment Highlights

Operating Highlights

Key Metric	Details
Monthly Transaction Volume	US$20–30M
Technology	Proprietary Payment Switching
Payment Channels	In-Store & Online
Banking Connectivity	Major Australian Banks
Infrastructure	Australian-Hosted
Payment Devices	Australian-Certified
Geographic Capability	Global Transaction Processing
Founded	2020

Investment Opportunity

The Company is seeking approximately US$5 million in growth capital to accelerate commercialisation, expand its technology platform and support international growth.

The proposed transaction involves an equity investment of approximately 25%, with the potential for a supplementary debt or working-capital facility.

Proposed Transaction Structure:

1. 01
   Capital RaiseUS$5 Million
2. 02
   Equity OfferedApproximately 25%
3. 03
   Additional FinancingPotential supporting debt / working-capital facility
4. 04
   Use of Proceeds

   • Sales execution and commercial expansion
   • Technology development and platform enhancement
   • AI and data intelligence capabilities
   • Activation of global payment management platform
   • Compliance and infrastructure readiness
   • Working capital

Growth Opportunities

Potential Exit Strategies

1. 01
   EquityStrategic trade sale or private equity acquisition.
2. 02
   DebtRefinancing with an alternative lender.

Investment Rationale

Project Payments Disruptor represents an opportunity to invest in an operating Australian fintech platform with proprietary payment switching infrastructure, established banking connectivity and demonstrated transaction processing capabilities.

Beyond traditional payment processing, the Company's strategic differentiation lies in its ambition to transform transactional data into actionable merchant intelligence through AI-powered analytics.

With an established technology foundation, existing transaction volumes and a scalable business model, the Company is positioned to pursue growth across payments, merchant services and intelligent commerce infrastructure.