Mediterranean
Merchant Graph (MMG)
by PayFixo
THE INTELLIGENCE LAYER FOR
SOUTHERN EUROPE
Powering acquirers, insurers and merchant-finance lenders through
proprietary, institutional-grade SME data infrastructure. Founding €2.0M round now open.
PRESENTATION
The
Intelligence
Gap
The Mediterranean commercial landscape is fragmented and lacks a unified data layer. While terminal providers focus on volume, PayFixo builds the Mediterranean Merchant Graph to provide the verifiable, commercial-grade data needed by institutional players.
By structuring this proprietary infrastructure, we generate high-value intelligence for strategic acquirers. Our model treats data as the primary asset with clear acquisition logic. Note: Flatpay serves as a valuation benchmark only and is not a formal partner.
The Definitive Data
Infrastructure Layer
Infrastructure
The Mediterranean Merchant Graph (MMG) is a proprietary intelligence engine. It is pure data infrastructure—not a payment network—built to bridge the information gap in fragmented Southern European SME markets.
Sourcing
A multimodal ingestion strategy leveraging fintech partnerships, POS data, public records, and digital signals to ensure absolute ground-truth accuracy and verifiable merchant data across all sectors.
Data Validation
Every profile undergoes institutional enrichment. Proprietary algorithms model digital maturity and risk, ensuring full data provenance and GDPR compliance for seamless institutional API integration.
1.2M–1.8M
Merchant
Universe
Targeting Spain, Portugal, and Greece. These markets represent a high-value opportunity due to intense tourism seasonality and historically under-digitized SME data layers in the ecosystem.
SPAIN
A tier-one market with high merchant density. Currently underserved, offering prime entry for our proprietary layer.
PORTUGAL
Dense tourism-driven retail sector. PayFixo captures digital signals where traditional credit data remains fragmented.
GREECE
Strategic Mediterranean hub. Competitive edge via public record enrichment and alliances with local POS providers.
Foundational Round: €2.0M Seed
Strategic capital allocation to scale the Mediterranean Merchant Graph as the primary intelligence layer for
regional financial and insurance ecosystems.
40% Data & Fintech Alliances: Sourcing across ES, PT, and GR • 30% Engineering & Ops: Core intelligence algorithms and scaling • 20% Institutional API: Secure delivery for risk partners • 10% Legal & GDPR: Multi-jurisdictional compliance and provenance protocols
36-Month Strategic Build Roadmap
YEAR 1:
FOUNDATION
Activating data partnerships in Spain and Portugal. Deploying proprietary scoring for high-density tourism hubs.
YEAR 2: SCALED
Expansion into Greece. Multi-signal integration live with 1.8M profiles accessible via institutional API.
YEAR 3:
DOMINANCE
Advanced optimization. Positioning for strategic exit to global PSPs seeking Mediterranean data supremacy.
Exit Logic and Strategic Value
PayFixo prioritizes proprietary intelligence over sales volume. Our asset is the MMG:
high-fidelity data that mitigates entry risk and maximizes LTV for institutional acquirers.
Acquirers and
Banks
Acquirers like Flatpay require validated intelligence to optimize market share. PayFixo provides the map to identify high-value SMEs without deploying physical hardware terminals.
Insurance and VC
Utilizing the MMG as the primary source for risk assessment. Our models convert payment signals into institutional underwriting indicators for the underserved SME segment.
Merchant
Lenders
Proprietary commercial intelligence drives non-bank lending. By bypassing terminal metrics, we focus on pure data infrastructure to enable rapid scaling in ES, PT, and GR.
Participation Path
The PayFixo round is open to accredited investors. We invite partners to review our structural
memorandum and roadmap through the following institutional onboarding process.
Review the Investment Memorandum and executive summary.
Verification of investor eligibility and compliance.
Review of fund structure and formal subscriptions.
Due diligence: technical plan and GDPR protocols.
Participation in first close and commitment allocation.
DEPARTMENT