How Mattilda cut payment costs by 60% with Gr4vy’s white-label orchestration

Discover why Mattilda, a Mexico City–based company providing collections management and payment processing for private schools, partnered with Gr4vy to unlock a new business line that became the company’s second-largest growth driver, tailoring payment stacks for every school and achieving a 20% increase in acceptance rates.

The Challenge

Mattilda is transforming how private schools manage tuition collection and financial operations across Latin America. As they expanded beyond factoring into payment collection—and into new geographies —their core challenge became clear: how to manage collections on behalf of their clients without becoming the merchant of record, while still delivering personalized experiences and maintaining control.

This meant enabling each school or institution to operate with its own tailored payment stack—complete with specific rules, preferred payment methods, and localized acquiring—to support unique customer journeys, optimize payment performance, and ensure rich data visibility. At the same time, Mattilda needed fast access to local payment methods and PSPs to optimize margins across multiple markets.

The scale and complexity of supporting various institutions, each with different PSP preferences, quickly made it clear that building this infrastructure in-house wasn’t viable. Not only would it take months to build each integration, but maintaining and scaling a growing library of local PSPs would slow time to market and tie up valuable resources.

“Gr4vy’s payment infrastructure has been a game changer for us, helping us accelerate time to market across multiple geographies. With seamless integration of tailored payment solutions, we’ve allowed our customers to focus on what truly matters.”

— José Agote, Mattilda’s CEO

The industry in numbers

• The education payments platform market is booming, expected to grow from $15.2B in 2023 to over $55B by 2033, driven by digital transformation in school finance systems.
• Payment collection remains a challenge, with millions of students falling behind on tuition and loan repayments, signalling inefficiencies in current systems.
• Many schools still rely on outdated methods like cash and checks, despite 86% of U.S. transactions happening via digital payments—highlighting a major opportunity for modernization.

The Solution

To launch Mattilda Pay, a fully branded and independent payment experience, Mattilda turned to Gr4vy. More than a payment orchestration platform, Gr4vy provided the white-label infrastructure they needed, capable of managing multiple merchants, enabling tailored payment stacks, and supporting rapid geographic expansion. With seasonal peaks ahead and Colombia as their next key market, Gr4vy delivered the speed, flexibility, and control Mattilda needed to scale confidently while cutting 60% of payment costs through smarter orchestration.

Using Gr4vy for Platforms, Mattilda can deploy dedicated instances for each client, creating localized, white-labeled payment environments for every school they support. Traditionally, this would have required Mattilda to operate as a PayFac, taking on complex compliance and risk. Instead, Gr4vy enables a bring your own acquirer model, allowing each school to retain its acquiring relationships while benefiting from a unified interface.

Gr4vy’s no-code dashboard accelerates onboarding and customization, while access to more than 400 PSPs, multiple fraud tools, 3DS, and network tokenization gives Mattilda a powerful and future-ready toolkit without the need for heavy development.

With Gr4vy, Mattilda is transforming how educational institutions manage payments, offering branded and optimized experiences that grow with every client while significantly reducing costs.

Gr4vy platform features

• More than 400 Payment Methods to choose from: Gr4vy continuously expands its library of PSPs and payment methods, ensuring you’re always equipped with the latest innovations in payments.
• Create bespoke payment stack: flexibility to configure different payment providers for each sub-merchant, enabling you to manage connections and routing logic individually.
• Integrated fraud prevention providers: Maximize acceptance rates and minimize fraud exposure with a safer, more frictionless payment experience. Benefit from built-in 3DS and Network Tokenization for optimized performance.
• Future-proof payment architecture: Instantly add, test, and deploy new payment methods, and build dynamic workflows directly into your checkout—no code or internal resources required.
• Infrastructure as a Service: Deploy a dedicated instance that scales across regions, ensures compliance with data privacy laws, and eliminates the risks of shared server performance bottlenecks.