for online seller or merchant accepting cashless payments at the point of sales ,financing by online marketplaces and payment processors offers a compelling value proposition ,According to most experts , the trend of merchant finance is only expected to increase , and significantly. As the share of online sales will increase ,so will the number of merchants being able to access fund from Amazon or Alipay .the move towards a more cashless society and the ever larger amount of data generated at telecom companies will further fuel the growth . New players are also expected to enter the field. In August 2015, payment processor Sumup closed another funding round involving prominent investors such as BBVA Ventures and American Express. its entry into the lending space is expected by many,with others likely to follow