Earn on every parcel your merchants ship.
Shipit24 is the embedded logistics layer for banks, PSPs and SME platforms. Give your merchants one integration across 40+ EU and UK carriers — and capture per-parcel fee revenue on every shipment they generate. Live today with LHV Bank, Klix by Citadele and Erply.
Live with European banks and platforms · LHV Bank · Klix by Citadele · Erply
{
"partner_id": "prt_lhv_sme",
"merchant_ref": "m_10482",
"carrier": "auto", // best price / service
"destination": {
"country": "GB",
"pickup_point": "inpost_LDN_0421"
},
"amount": 4.90,
"currency": "GBP",
"fee_share": "partner" // per-parcel revenue
}Merchant banking is moving beyond payments.
SMEs expect operational tools inside their financial platform.
Payments, invoicing, logistics — your business customers increasingly want them where they already manage money.
Merchant platforms are expanding embedded business operations.
The companies that win SME loyalty are the ones that simplify daily operations, not just transactions.
Banks and PSPs need new non-interest income streams.
Logistics is the largest unmonetised operational layer in SME banking. Shipit24 lets you monetise it.
Fragmented logistics is a revenue leak for banks — and an operational tax on SMEs.
For banks
- remove Merchant logistics spend remains largely unmonetised
- remove Carrier-by-carrier integrations slow platform innovation
- remove Repeated outsourcing and compliance reviews across providers
For merchants
- remove Significant time spent managing shipping workflows
- remove Manual rate comparison drives margin leakage
- remove Multiple logins, multiple contracts, multiple invoices
Result
- trending_down Higher SME churn
- trending_down Missed fee-income opportunities
- trending_down Weaker daily engagement with the bank
Three ways embedded logistics generates institutional revenue.
Most institutions start with transaction revenue and expand into data and financing over time. The typical path: Transaction → Data → Financing.
Transaction revenue
Per-parcel fee share
On every shipment your merchants generate through Shipit24, your institution earns a transparent per-parcel fee share. The foundation — and the first revenue source, live within ~90 days.
Merchant intelligence
Operational and performance data
Structured logistics data feeds your SME portfolio analytics, customer segmentation and engagement metrics — shipping volume, geography, returns ratio and seasonality across your merchant base.
Logistics-informed financing
Underwriting signals from shipping activity
Shipping data surfaces business health months before it shows up in financial statements — direct inputs to credit decisioning, limit increases and risk monitoring.
How embedded logistics scales as a revenue line.
The average SME ships approximately 500 parcels per year. With Shipit24's embedded fee model, that translates to consistent non-interest income that scales with your merchant base.
This is non-interest, non-transaction income that compounds with merchant retention. Once a merchant integrates Shipit24 through your platform, switching costs accumulate at every shipment.
| Merchant base | Parcels / year | Bank fee income (annual) |
|---|---|---|
| 10,000 SMEs | 5M parcels | ~€800K |
| 50,000 SMEs | 25M parcels | ~€4M |
Example projections. Actual revenue depends on merchant adoption rate, parcel mix and commercial terms.
Built to support FCA Consumer Duty outcomes for SME customers.
UK financial institutions must demonstrate that their SME customers receive fair value, transparency and operational outcomes aligned with Consumer Duty expectations. Shipit24 directly supports this:
- check_circleSMEs face fragmented logistics workflows that limit price transparency and operational efficiency.
- check_circleEmbedding Shipit24 lets merchants compare delivery options, automate workflows and reduce operational friction.
- check_circleThis supports demonstrable fair value, transparency and operational efficiency outcomes for SME customers.
Shipit24 helps institutions align SME platform innovation with Consumer Duty principles — while unlocking new non-interest income.
Control of logistics increasingly decides who becomes the merchant's primary platform.
- bolt Marketplaces bundle logistics as a default capability
- bolt Challenger banks are expanding SME "Business OS" features
- bolt Institutions limited to payments risk becoming commodity providers
The institutions that own logistics orchestration capture deeper merchant engagement, stronger retention and a larger share of operational spend.
Payments · Lending · Operations · Analytics.
Merchants consolidate around platforms that simplify daily operations. Institutions that add utilities like logistics, invoicing and working capital capture deeper engagement, retention and wallet share.
The institutions that win the next decade of SME banking will own all four layers — not just payments.
A recipient network your merchants inherit on day one.
Shipit24 isn't just shipping infrastructure. It's a network of 100,000+ recipients across the Baltics and EU who have set their preferred parcel lockers across our carrier system. When a merchant on your platform ships to a returning customer, the system already knows where they want it.
100,000+ recipients with set delivery preferences
Cross-carrier preference matching across the network
Automatic for returning customers, frictionless for new ones
This is network value your merchants gain by joining Shipit24 — and that your competitors cannot replicate without building the same recipient infrastructure.
Native access to the UK's out-of-home delivery infrastructure.
Native carrier integrations
Native integrations with InPost, Royal Mail, Evri, DPD and others — no re-integration as Shipit24 expands the carrier network.
Nationwide coverage
- 10,000+ InPost lockers
- 15,000+ Evri ParcelShops
- 11,500+ Royal Mail collection points
- 3,000+ DPD Pickup locations
- 98% of UK postcodes within 1 mile of a pickup point
Ready for UK rollout from day one
Your UK SME customers can use the full network from launch — not in a phased rollout.
Designed to fit existing banking and PSP infrastructure.
Merchant-level provisioning via API
A single institutional integration enables merchant-wide deployment. Your merchant onboarding flow stays yours; logistics provisioning happens behind the scenes.
No changes to existing payment flows
Shipit24 sits alongside your payment infrastructure, not inside it. No risk to your existing PSP, processor or settlement systems.
Feeds plug into your existing systems
Tracking, events and settlement feeds emit structured data into your risk, servicing and BI systems through standard webhooks and API endpoints.
Built as infrastructure for financial institutions — not as merchant tools.
Shipit24 enables banks and PSPs to deploy logistics capabilities as a platform feature — generating new fee income without operational expansion.
Logistics data creates new underwriting and portfolio risk signals.
Real-time business-health indicators
Merchant shipping activity surfaces seasonality, revenue stability and trend reversals months before they appear in financial statements.
Aggregated portfolio monitoring
Logistics performance data across your SME book enhances portfolio-level monitoring and early-warning risk detection.
Predictive lending signals
Increasing network adoption strengthens shipping signals for credit decisioning and limit increases. For example: a 99% delivery rate correlates with near-zero chargeback exposure.
More merchant activity → stronger credit and portfolio intelligence → higher long-term institutional value.
Payments-triggered logistics inside the SME banking platform.
Triggered after payment
Order settles → shipment generated. No external tools, no separate login, no copy-paste between systems.
Created inside your portal
Your merchants stay in your environment. Shipit24 is invisible as a separate vendor — it's a feature of your platform.
Lower merchant churn
Platforms that embed operational tools see materially lower merchant churn. (Reference: Shopify reports up to 75% lower churn for users of its embedded operations tools.)
Phased rollout with governance checkpoints.
Week 1–2
Technical discovery + sandbox
Joint session to map your stack, API requirements and merchant onboarding flow. Sandbox credentials and API docs delivered the same week.
Week 3–4
Pilot merchant cohort live
Your first 10–50 merchants activated on the embedded Shipit24 module. Shipping live, revenue accruing.
Days 30–90
Portfolio rollout
Production deployment across your merchant base following validated metrics, with joint go-to-market support.
First merchant revenue achievable within 15–30 days of kickoff. Full portfolio deployment within 90 days.
A structured path to revenue activation.
- check_circle
Download the partnership brief
Full technical, commercial and integration overview — architecture, revenue model, deployment plan and reference cases.
- check_circle
Technical discovery session
A joint working session with our partnerships and technical team to map your stack and pilot scope.
- check_circle
Pilot merchant activation
First merchants live within 15–30 days. Joint commercial terms agreed in parallel.
Heikki Laidma, Founder
partnerships@shipit24.eu · +372 5020088
Shipit24 OÜ · Tallinn, Estonia · EU + UK operations
Logistics orchestration becomes a permanent infrastructure layer of SME banking.
We look forward to enabling the next generation of merchant banking infrastructure.