PVA lets the bank see the deal earlier
Banks earn from the commercial activity of their clients. But in most cases, they see that activity too late—when the client has already made a decision and arrives only to complete the payment.
PVA changes that. It gives the bank visibility from the first sign of interest through to repeat business. Payment becomes just one product within a much longer commercial journey.
Payment is the final step—and usually the least valuable one
The highest-value banking opportunities often appear before payment. Guarantees, letters of credit, factoring, leasing, working capital, instalments, and foreign exchange all sit earlier in the commercial journey.
The bank that enters at the first step has the opportunity to serve every step that follows.
EZ operates within this journey. It helps a business recover several percentage points of operational productivity. The capacity released through EZ can then be filled with new orders, financial products from the bank, and goods or services offered by other sellers in PVA.
Many payers. Many independent sellers.
Every order has its own seller and its own beneficiary. The beneficiary’s payment details are sent to the bank for each transaction.
Funds move directly from the payer’s account to the payee’s account. Active Cluster does not hold, receive, or route the money.
The bank only needs to provide two basic functions: payment initiation from the payer’s account and notification when the beneficiary receives the funds. Everything else is handled through PVA’s commercial layer.
Three things—and client data remains inside the bank
Clients
Clients are connected individually when they want to link a deal, approved limit, or banking product to PVA.
Products
The bank can place its financial products directly on the PVA showcase, including leasing, guarantees, factoring, letters of credit, instalments, foreign exchange, and working capital.
Payment rail
When both sides of a transaction are clients of the same bank, the payment can remain entirely within the bank’s own infrastructure.
Deals that may not happen without financing
A client sees a price of one million and walks away. PVA can place a clear financial option next to that price—for example, eighteen thousand per month.
The commercial decision changes immediately. The client stays in the deal, the seller keeps the opportunity, and the bank participates in the turnover it helped create.
PVA repeats the bank’s decision—it does not replace it
The bank approves—and PVA displays the approval. The provider reports—and PVA repeats the update. The seller enters the commercial information—and PVA places it in the right part of the transaction.
Through the bank’s normal process
The client follows the same banking journey as before. Together with the standard documents, the client gives the bank a PVA identifier: a short code that works in a similar way to an account reference.
The bank makes its decision through its existing process. Once approved, the bank enters the client’s identifier and available limit. The client then confirms the connection from their side. No credit decision is moved into PVA.
The financial option appears next to the commercial choice
PVA knows that the client has an approved banking limit. The client therefore sees the available financial option immediately, next to the product or service they are considering. The bank can still review the specific transaction through its normal internal process before final approval.
In PVA, the bank can act as payer for the client
The seller receives payment for the order. The client then repays the bank over time under a separate credit, leasing, or instalment agreement. That repayment relationship sits outside PVA and remains fully within the bank’s normal contractual and servicing systems.
The bank adds financial products in the same way a seller adds goods
The commercial page already knows what type of transaction the client is considering. It can therefore display the most relevant banking products in the right place. When the bank adds a new product, PVA places it where the commercial need appears.
Only the operational minimum moves between the bank and PVA
From the bank to PVA
Client invitation, approved limit, limit increase or reduction, limit exhaustion, credit closure, available financial products, and product terms.
From PVA to the bank
Payment instruction: who is paying, who is receiving, how much is being paid, and what the payment is for. PVA also sends payment confirmation when required.
What remains inside the bank
Personal data, the client base, credit history, risk models, internal scoring, and confidential banking information.
An order is a commercial request—not always a completed purchase
“How much does it cost?” is an order. “I need a table for tonight” is an order. “I need a locomotive under these delivery terms” is also an order.
The scale and subject may change, but the mechanics remain consistent. The request goes to the person appointed by the seller. That person responds with an offer and an amount. The client accepts and pays. The commercial discussion may be simple or highly complex, but the operating structure stays the same.
Start small. Keep the bank in control.
One employee can begin by entering approved client limits. Several banking products can be added to the showcase. A simple event channel can connect the bank and PVA.
That is enough to begin. First client. First transaction. First result. Then the model can expand.
PVA creates the commercial flow. The bank serves it with financial products.
The client comes to the bank for a limit and provides their PVA code.
The bank makes the decision and enters the approved limit.
The client immediately sees what is available across relevant PVA showcases.
The client buys. The bank pays the seller.
The client repays the bank outside PVA.
Payment is only one product. The commercial flow around it is more valuable.