About Payvio
Built by people who understand credit risk.
Payvio was founded by a team with firsthand experience of how broken B2B payment terms are, and what it takes to fix them.
Why Payvio exists
Australian suppliers routinely wait 30 to 120 days to be paid on approved invoices. Buyers extend terms to preserve working capital. The supplier carries the risk, the bank charges fees, and the relationship strains under the pressure. Cash Flow is slow.
Payvio was built to fix that, not with another loan product, not with traditional factoring, but with a fundamentally different model. We call it Transaction Credit. When a buyer approves an invoice, Payvio pays the supplier the same day. The buyer pays Payvio on their normal due date. No new debt. No supplier credit check. No disruption to the existing relationship.
Zero credit risk for supplies and buyers enjoy extended terms.
The founding team
Paul Clausen
Managing Director & Executive Chair
Paul founded Payvio to embed payment accountability between B2B transactions. His background spans agriculture, international trade, commercial operations, and financial services., with companies Leasing Australia, RLF Ag Tech, Amerex Petroleum and PVM Oil. Paul leads Payvio's strategy, to insure Transaction Credit trusted by industry and government.
Craig Smyth
COO and Co-founder
Craig brings senior operational and financial services experience from Shell and Citi Bank in Singapore. At Payvio, he is responsible for operational execution across onboarding, transaction workflows, risk controls, and platform operations. He ensures Payvio's operational areas comminate and integrate cleanly into enterprise and government environments.
Ryan Marsden
Funding Advisor and Co-founder
Ryan brings 30 years experience across global energy trading and financial markets, including senior roles at Shell, PVM Oil Brokers in London, and Concord Energy in Singapore. At Payvio, he leads capital strategy, funding structures.
Steve Douglas
Chief Advisor, Non-Executive Board Member and Co-founder
Steve is the founder and Executive Chairman of the SMATS Group, a global tax, finance, lending, and account management firm. He brings decades of experience advising in regulated, cross-border environments and provides strategic input on governance, regulatory awareness, and long-term institutional discipline.