The matching layer between merchants and payment providers.
Bodmio is a technology company. Our engine reads a merchant profile, scores it against an index of crypto exchanges, payment service providers and banks, and returns the providers most likely to approve them. We make the introduction — and stop there.
One query, a ranked shortlist.
Provider acceptance is a data problem. Every exchange, PSP and bank publishes — or reveals through outcomes — a set of criteria: verticals they take, volumes they want, jurisdictions they cover, risk they tolerate. The engine holds those criteria as structured attributes and scores a merchant against all of them at once.
You describe the business
Vertical, volumes, markets, current setup. A short email is enough — we do not ask for statements, incorporation papers or IDs.
The engine ranks the index
Your profile is scored against every provider we hold, on the criteria each of them actually uses. You get an ordered shortlist, not a single name.
We make the introduction
A direct introduction to the providers you pick. From that point the relationship, the application and the paperwork are entirely between you and them.
Where our software ends
Bodmio is a referral platform, not a consultancy, a broker or a compliance provider. The line below is not a limitation we apologise for — it is what lets us stay a software business and stay neutral.
- Maintain a structured index of provider criteria
- Score and rank merchant–provider fit
- Return a shortlist with the reasoning behind the order
- Introduce you to the providers you choose
- Retrain the model on what was approved and what was not
- Collect, hold or forward documents
- Perform due diligence, KYC or AML checks
- Provide compliance, legal, tax or financial advice
- Consult on structuring, licensing or applications
- Handle, process or hold funds at any point
What the model reads.
Two datasets and a scoring function. The merchant side is what you tell us. The provider side is what we have built up across every introduction we have made, every acceptance and every decline.
Merchant profile
- Industry vertical and business model
- Transaction volume and average ticket size
- Geographic markets and customer base
- Settlement currencies and payout cadence
- Risk profile and processing history
- Chargeback and fraud indicators
- Technical integration requirements
- Growth trajectory and scaling needs
Provider attributes
- Accepted verticals and restricted categories
- Risk appetite and underwriting thresholds
- Licensed jurisdictions and geographic coverage
- Observed approval rates by merchant type
- Processing limits and capability ceilings
- Fee structures and commercial ranges
- Integration complexity and support quality
- Outcomes with comparable merchants
Ranked shortlist
Every provider in the index receives a fit score. The engine returns the ones most likely to approve you, ordered, with the attributes that drove the score made explicit — so you can see why a provider ranked where it did rather than taking the ranking on trust.
- Probability of acceptance
- Commercial range you should expect
- Capability fit against your requirements
- Headroom for your projected growth
It learns
Every outcome — approved, declined, or approved then terminated — is fed back. Accuracy is a function of volume, and the index improves with each introduction rather than staying static.
It is vertical-agnostic
The model does not refuse a category. It filters the index down to the providers that accept it — which is precisely the value for merchants that generalist providers turn away.
It covers all three rails
Exchanges, PSPs and banks sit in one index under one schema, so a single query returns options across all three instead of three separate searches.
Fifteen providers, three categories.
Deliberately curated rather than exhaustive. Each provider in the index has been onboarded as a partner with criteria we hold as structured data — not scraped from a public website. The index grows continuously as new partners are added.
A matching problem, solved once.
Fewer dead ends
Skip the apply-and-hope cycle. Introductions go to providers whose stated criteria you already meet.
Better approval odds
Fit is scored before anyone sees an application, so rejections that were predictable never happen.
Describe the business once
One profile is scored against the whole index instead of being retyped into a dozen onboarding forms.
All three rails at once
Card, banking and crypto options returned from a single query rather than three separate searches.
No cost, no lock-in
Merchants never pay Bodmio. Take the shortlist and proceed however you like, with or without us.
Pre-filtered deal flow
Only merchants who match your stated criteria are introduced, so your underwriting team sees fewer no-hopers.
Lower cost per approval
Rejection rates fall when the filtering happens before the application, not after it.
Portfolio shaping
Adjust your criteria in the index and the merchant mix routed to you moves with it.
Zero integration
Introductions arrive by email. There is nothing to build and nothing to connect.
Volume without headcount
A systematic acquisition channel that scales without adding business development staff.
How we are paid.
A referral business that hides its incentives is asking to be distrusted, so here it is in full.
Merchants pay nothing
No fee, no retainer, no success fee, no charge of any kind at any stage.
Providers pay us
A referral fee or revenue share when a merchant we introduce is successfully onboarded.
Rank is set by fit
The engine orders providers by predicted acceptance and suitability. Commercial terms are not an input to the score.
Aligned by construction
We are paid when a match survives onboarding, so a placement that fails is a placement we lose money on.
Why matching is getting harder.
Payment provision is fragmenting into specialists. That is good for merchants who can find the right one, and expensive for everyone else.
Specialisation
Providers are narrowing their appetite. The right partner exists, but finding it by hand means guessing at criteria that are rarely published.
Vertical concentration
Whole sectors are underserved by generalist providers and served well by a handful of specialists most merchants never hear about.
Crypto rails
Merchants are adding exchange and settlement relationships alongside card processing, which means a second search with an entirely different set of criteria.
Cross-border trade
Multi-jurisdiction acceptance is now the baseline requirement, and licensing coverage varies sharply between providers.
Acquisition cost
Providers are paying more for every approved merchant, which makes pre-qualified introductions worth more to them than raw leads.
Send us the shape of your business.
There is no form and no portal — a plain email is genuinely enough. Tell us roughly what you do and where, and we will run it through the engine and come back with a shortlist.
info@bodmio.com- Industry and what you sell
- Approximate monthly volume
- Markets you sell into
- Your current payment setup
- Whether you need a PSP, a bank or an exchange
Incorporation documents, bank statements, identity documents or processing histories. We have no use for them and we do not want to hold them — everything above is enough to produce a shortlist.
Bodmio Holdings Limited
Aiolou & Panagiotis Diomidous, 9
Katholiki, 3020 Limassol
Cyprus