Wirecard has packaged up several very interesting capabilities here, including a 5 minute signup for merchant services, then real-time credits for transactions, and merchant cash advance based on several criteria including payment volume. There are a few footnotes, such as limitations based on merchant category, but all in all this is a very forward leaning solution. You decide if its revolutionary:
“ASCHHEIM, Germany, April 12, 2019 /PRNewswire/ — The global innovation leader for digital financial technology today announced the Next Generation Wirecard Platform. With its revolutionary combination of comprehensive payment and banking services that are tailored precisely to the needs of merchants, Wirecard is setting new standards in the digitalization of payments.
In five minutes, merchants undergo a fully digital registration process and immediately have access to their Wirecard business account as well as payment acceptance on the Internet and in stationary retail.
In the future, merchants will be able to make immediate use of their sales revenues – any electronic payment made by a consumer, both on the Internet and in stationary stores, will be credited to the merchant’s business account in real-time. A linked bank account and debit card allow merchants to have their money at their disposal immediately and at any time.
Liquidity is the lifeblood of a company – if the available liquidity becomes scarce, all business-critical processes are quickly affected. New analytics functionalities within the Wirecard platform support merchants in liquidity planning and the analysis of expenditure and profits in their Wirecard account.
If merchants require additional liquidity at short notice, Wirecard’s innovative ‘Merchant Cash Advance’ solution, which is linked to the merchant’s electronic payment volume, serves as an innovative and uncomplicated financing option for companies. Depending on the merchant’s payment volume history and ongoing sales forecast calculated in real time, a credit line is always available to the merchant with one click. The credit is paid back as a percentage of each payment transaction processed by Wirecard and thus represents the lowest possible burden on the merchant’s liquidity.
 Not applicable to all merchant categories
 Shipping of payment terminals for physical retail shops may take 1-5 business days ”
Overview by Tim Sloane, VP, Payments Innovation at Mercator Advisory Group