Enabling Kabbage’s Instant Lending Platform to operate in Europe using Ginger’s SEPA connector

Tom van Wees
Nov 23, 2018 · 2 min read

Kabbage, the US market leader in Instant Lending technology, used Ginger’s SEPA connector service to get their automated lending platform available for European SMEs in just 3 weeks, skipping all technical and regulatory complexity and significantly reducing their time-to-market.

Integrating with European payment networks; complicated and time-consuming

After successfully establishing the value of their platform in the US, Kabbage was looking to expand their offerings into European territories. They soon ran into the complexities of European payment technology and regulation, which are significantly different from their American counterparts.

In order to join the payment game in Europe, there are a lot of hoops to jump. There are multiple regulatory institutions to abide by and each payment provider uses their own platform and technology, ranging from cutting-edge to 30-year-old legacy systems.

As a result, getting your application ready for SEPA can be quite a challenge. A significant amount of research, legal work, and development is required to get everything set up. It requires a large investment in time and money, weighing heavily on your resources and time-to-market.

Easy SEPA integration with Ginger’s SEPA connector

By using Ginger’s SEPA connector, Kabbage was able to ready their platform for the European market in just 3 weeks, skipping a significant chunk of product development that otherwise would have taken months to complete.

Ginger’s SEPA connector is a battle-tested web service that, as its name implies, allows your application to connect to the Single European Payments Area (SEPA) with unparalleled speed & ease. The single RESTful API interface provides all the controls you need and none you don’t, and extensive reporting capabilities ensure you’re always in-the-know of what has happened.

Hassle-free setup, great support

After initial assessment of the requirements, Ginger joined forces with Kabbage’s tech team to get the SEPA connector up and running for Kabbage’s Platform.

Much like specialized machinery in large workshops, the SEPA connector is managed by Ginger and operated by the client. We make sure it keeps running smoothly, you use it to get the job done.

Kabbage uses the SEPA connector to initiate SEPA payments (SDD, SCT) and because of this they are able to offer their lending services to the European market.

- Keith from Kabbage

Part of GSP (Ginger Services Platform)

The Ginger SEPA connector is part of the Ginger Services Platform. The system-based design of the platform allows all GSP Services to work together to create an invaluable toolkit for developers of applications in the payments & finance markets.

For more useful GSP Services, please visit our product page.


The perfect platform for online payments

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