Underwriting, infrastructure, and the difference between reselling a platform and owning one — written by the team that builds it.
Shopify works until it doesn't — transaction fees on every sale, Shopify Payments rejecting entire product categories, checkout you cannot touch, and a platform that owns your customer relationship as much as you do. Medusa.js gives you the stack back. Proficient handles payments, underwriting, and the migration.
FinanceCash flow gaps, equipment needs, inventory timing, hiring — the same problems slow every growing business down. If you are already processing payments with Proficient, you have something most borrowers spend months trying to prove: a live record of what your business actually earns.
FinanceMost businesses know about bank loans. Far fewer know about the non-bank commercial financing options that cover the gaps — asset-based lines, factoring, purchase-order funding, equipment capital, and growth financing up to $40 million. Proficient's lending partners offer all of it.
PlatformMedusa's 2.17.2 release shipped native support for asynchronous payment methods built around a new pending_authorization status. If you're building a marketplace, selling B2B, or serving markets where bank-based payments dominate — this is the release that removes a wall people have been climbing over for two years.
PlatformMedusa.js gives merchants full ownership of their commerce stack. But the payment layer is where that control usually ends. Proficient changes that — with a direct plugin, in-house underwriting, and infrastructure that scales with what merchants are actually building.
StrategyMost businesses assemble a patchwork of solutions — a fraud tool here, a processor there, a lender somewhere else. The gaps between those solutions are where revenue is lost. Proficient is built to close them.
StrategyFor many merchants, fraud prevention begins and ends at checkout. In reality, that is often where a different kind of fraud begins — and why revenue protection has to extend before, during, and after the sale.
FinanceAccess to capital is not a separate conversation from payment processing — it is a natural extension of it. Proficient connects businesses to commercial finance partners across every lending category, because growth requires more than a gateway.
PlatformOff-the-shelf processors are built for the average merchant. If your business is not average — different pricing models, complex routing needs, high-risk categories, or platform-scale volume — the average solution will cost you.
StrategyMost businesses treat returns and claims as damage control. The ones that win treat them as the last chance to keep a customer — and build a system that makes that the default outcome.
PlatformMost Medusa.js payment plugins route transactions through a third-party gateway before they reach a processor. Proficient connects directly to Medusa — one fewer layer, one fewer point of failure, and no extra fee in the middle.
StrategyMost businesses think about payment processing only when a customer clicks Buy Now. The reality is that revenue protection begins long before the transaction occurs and continues long after.
UnderwritingMost processors decline first and ask questions never. Here's what actually determines whether a high-risk account gets approved — and stays approved.
PlatformWhite-label sounds simple until your roadmap depends on a vendor's roadmap. Here's what actually breaks when you resell instead of build.
UnderwritingMost merchants treat underwriting as a black box. It isn't — it's a short list of signals, and most applications fail on the same two or three.
