diff --git a/core/src/main/resources/reference.conf b/core/src/main/resources/reference.conf
index c52a6e33..c9867425 100644
--- a/core/src/main/resources/reference.conf
+++ b/core/src/main/resources/reference.conf
@@ -325,6 +325,12 @@ akka.persistence.r2dbc {
     # This timeout is handled by the database server.
     # This timeout should be less than `close-calls-exceeding`.
     statement-timeout = off
+
+    # Possibility to programatically amend the ConnectionFactoryOptions.
+    # Enable by specifying the fully qualified class name of a
+    # `akka.persistence.r2dbc.ConnectionFactoryProvider.ConnectionFactoryOptionsProvider`.
+    # The class can optionally have a constructor with an ActorSystem parameter.
+    options-provider = ""
     // #connection-settings-postgres
     // #connection-settings-yugabyte
   }
@@ -413,6 +419,12 @@ akka.persistence.r2dbc {
     # Used to encode tags to and from db. Tags must not contain this separator.
     tag-separator = ","
 
+    # Possibility to programatically amend the ConnectionFactoryOptions.
+    # Enable by specifying the fully qualified class name of a
+    # `akka.persistence.r2dbc.ConnectionFactoryProvider.ConnectionFactoryOptionsProvider`.
+    # The class can optionally have a constructor with an ActorSystem parameter.
+    options-provider = ""
+
     // #connection-settings-sqlserver
   }
 
diff --git a/core/src/main/scala/akka/persistence/r2dbc/ConnectionFactoryProvider.scala b/core/src/main/scala/akka/persistence/r2dbc/ConnectionFactoryProvider.scala
index ec5c4e19..2465a5ac 100644
--- a/core/src/main/scala/akka/persistence/r2dbc/ConnectionFactoryProvider.scala
+++ b/core/src/main/scala/akka/persistence/r2dbc/ConnectionFactoryProvider.scala
@@ -20,6 +20,11 @@ import java.util.concurrent.ConcurrentHashMap
 import scala.collection.JavaConverters._
 import scala.concurrent.Future
 import scala.concurrent.duration.Duration
+import scala.util.Failure
+import scala.util.Success
+
+import com.typesafe.config.Config
+import io.r2dbc.spi.ConnectionFactoryOptions
 
 import akka.annotation.InternalApi
 import akka.annotation.InternalStableApi
@@ -29,9 +34,24 @@ object ConnectionFactoryProvider extends ExtensionId[ConnectionFactoryProvider]
 
   // Java API
   def get(system: ActorSystem[_]): ConnectionFactoryProvider = apply(system)
+
+  trait ConnectionFactoryOptionsProvider {
+    def buildOptions(
+        builder: ConnectionFactoryOptions.Builder,
+        connectionFactoryConfig: Config): ConnectionFactoryOptions
+  }
+
+  private object DefaultConnectionFactoryOptionsProvider extends ConnectionFactoryOptionsProvider {
+    override def buildOptions(
+        builder: ConnectionFactoryOptions.Builder,
+        connectionFactoryConfig: Config): ConnectionFactoryOptions =
+      builder.build()
+  }
 }
 
 class ConnectionFactoryProvider(system: ActorSystem[_]) extends Extension {
+  import ConnectionFactoryProvider.ConnectionFactoryOptionsProvider
+  import ConnectionFactoryProvider.DefaultConnectionFactoryOptionsProvider
 
   import R2dbcExecutor.PublisherOps
   private val sessions = new ConcurrentHashMap[String, ConnectionPool]
@@ -51,7 +71,8 @@ class ConnectionFactoryProvider(system: ActorSystem[_]) extends Extension {
         configLocation,
         configLocation => {
           val settings = connectionFactorySettingsFor(configLocation)
-          val connectionFactory = settings.dialect.createConnectionFactory(settings.config)
+          val optionsProvider = connectionFactoryOptionsProvider(settings)
+          val connectionFactory = settings.dialect.createConnectionFactory(settings.config, optionsProvider)
           createConnectionPoolFactory(settings.poolSettings, connectionFactory)
         })
       .asInstanceOf[ConnectionFactory]
@@ -72,6 +93,22 @@ class ConnectionFactoryProvider(system: ActorSystem[_]) extends Extension {
     }
   }
 
+  private def connectionFactoryOptionsProvider(
+      settings: ConnectionFactorySettings): ConnectionFactoryOptionsProvider = {
+    settings.optionsProvider match {
+      case "" => DefaultConnectionFactoryOptionsProvider
+      case fqcn =>
+        system.dynamicAccess.createInstanceFor[ConnectionFactoryOptionsProvider](fqcn, Nil) match {
+          case Success(provider) => provider
+          case Failure(_) =>
+            system.dynamicAccess
+              .createInstanceFor[ConnectionFactoryOptionsProvider](fqcn, List(classOf[ActorSystem[_]] -> system))
+              .get
+
+        }
+    }
+  }
+
   /**
    * INTERNAL API
    */
diff --git a/core/src/main/scala/akka/persistence/r2dbc/internal/ConnectionFactorySettings.scala b/core/src/main/scala/akka/persistence/r2dbc/internal/ConnectionFactorySettings.scala
index aaa17363..cb2d11de 100644
--- a/core/src/main/scala/akka/persistence/r2dbc/internal/ConnectionFactorySettings.scala
+++ b/core/src/main/scala/akka/persistence/r2dbc/internal/ConnectionFactorySettings.scala
@@ -16,6 +16,8 @@ import com.typesafe.config.Config
 import org.slf4j.Logger
 import org.slf4j.LoggerFactory
 
+import akka.persistence.r2dbc.ConnectionFactoryProvider.ConnectionFactoryOptionsProvider
+
 /**
  * INTERNAL API
  */
@@ -44,7 +46,10 @@ private[r2dbc] object ConnectionFactorySettings {
     // for backwards compatibility/convenience
     val poolSettings = new ConnectionPoolSettings(config)
 
-    ConnectionFactorySettings(dialect, config, poolSettings)
+    // H2 dialect doesn't support options-provider
+    val optionsProvider = if (dialect == H2Dialect) "" else config.getString("options-provider")
+
+    ConnectionFactorySettings(dialect, config, poolSettings, optionsProvider)
   }
 
 }
@@ -56,4 +61,5 @@ private[r2dbc] object ConnectionFactorySettings {
 private[r2dbc] case class ConnectionFactorySettings(
     dialect: Dialect,
     config: Config,
-    poolSettings: ConnectionPoolSettings)
+    poolSettings: ConnectionPoolSettings,
+    optionsProvider: String)
diff --git a/core/src/main/scala/akka/persistence/r2dbc/internal/Dialect.scala b/core/src/main/scala/akka/persistence/r2dbc/internal/Dialect.scala
index f66617cd..617aae1d 100644
--- a/core/src/main/scala/akka/persistence/r2dbc/internal/Dialect.scala
+++ b/core/src/main/scala/akka/persistence/r2dbc/internal/Dialect.scala
@@ -9,9 +9,10 @@ import akka.annotation.InternalStableApi
 import akka.persistence.r2dbc.R2dbcSettings
 import com.typesafe.config.Config
 import io.r2dbc.spi.ConnectionFactory
-
 import scala.concurrent.ExecutionContext
 
+import akka.persistence.r2dbc.ConnectionFactoryProvider.ConnectionFactoryOptionsProvider
+
 /**
  * INTERNAL API
  */
@@ -31,7 +32,7 @@ private[r2dbc] trait Dialect {
 
   def daoExecutionContext(settings: R2dbcSettings, system: ActorSystem[_]): ExecutionContext
 
-  def createConnectionFactory(config: Config): ConnectionFactory
+  def createConnectionFactory(config: Config, optionsProvider: ConnectionFactoryOptionsProvider): ConnectionFactory
 
   def createJournalDao(executorProvider: R2dbcExecutorProvider): JournalDao
 
diff --git a/core/src/main/scala/akka/persistence/r2dbc/internal/h2/H2Dialect.scala b/core/src/main/scala/akka/persistence/r2dbc/internal/h2/H2Dialect.scala
index a95d10ed..c93dffa9 100644
--- a/core/src/main/scala/akka/persistence/r2dbc/internal/h2/H2Dialect.scala
+++ b/core/src/main/scala/akka/persistence/r2dbc/internal/h2/H2Dialect.scala
@@ -24,6 +24,7 @@ import java.util.Locale
 
 import scala.concurrent.ExecutionContext
 
+import akka.persistence.r2dbc.ConnectionFactoryProvider.ConnectionFactoryOptionsProvider
 import akka.persistence.r2dbc.internal.R2dbcExecutorProvider
 import akka.persistence.r2dbc.internal.codec.IdentityAdapter
 import akka.persistence.r2dbc.internal.codec.QueryAdapter
@@ -46,7 +47,9 @@ private[r2dbc] object H2Dialect extends Dialect {
     res
   }
 
-  override def createConnectionFactory(config: Config): ConnectionFactory = {
+  override def createConnectionFactory(
+      config: Config,
+      optionsProvider: ConnectionFactoryOptionsProvider): ConnectionFactory = {
     // starting point for both url and regular configs,
     // to allow url to override anything but provide sane defaults
     val builder = H2ConnectionConfiguration.builder()
diff --git a/core/src/main/scala/akka/persistence/r2dbc/internal/postgres/PostgresDialect.scala b/core/src/main/scala/akka/persistence/r2dbc/internal/postgres/PostgresDialect.scala
index 01d2e4b8..7c1c7aab 100644
--- a/core/src/main/scala/akka/persistence/r2dbc/internal/postgres/PostgresDialect.scala
+++ b/core/src/main/scala/akka/persistence/r2dbc/internal/postgres/PostgresDialect.scala
@@ -26,6 +26,7 @@ import io.r2dbc.spi.ConnectionFactories
 import io.r2dbc.spi.ConnectionFactory
 import io.r2dbc.spi.ConnectionFactoryOptions
 
+import akka.persistence.r2dbc.ConnectionFactoryProvider.ConnectionFactoryOptionsProvider
 import akka.persistence.r2dbc.internal.R2dbcExecutorProvider
 
 /**
@@ -66,7 +67,9 @@ private[r2dbc] object PostgresDialect extends Dialect {
       }
   }
 
-  override def createConnectionFactory(config: Config): ConnectionFactory = {
+  override def createConnectionFactory(
+      config: Config,
+      optionsProvider: ConnectionFactoryOptionsProvider): ConnectionFactory = {
     val settings = new PostgresConnectionFactorySettings(config)
     val builder =
       settings.urlOption match {
@@ -115,7 +118,8 @@ private[r2dbc] object PostgresDialect extends Dialect {
         builder.option(PostgresqlConnectionFactoryProvider.SSL_PASSWORD, settings.sslPassword)
     }
 
-    ConnectionFactories.get(builder.build())
+    val options = optionsProvider.buildOptions(builder, config)
+    ConnectionFactories.get(options)
   }
 
   override def daoExecutionContext(settings: R2dbcSettings, system: ActorSystem[_]): ExecutionContext =
diff --git a/core/src/main/scala/akka/persistence/r2dbc/internal/postgres/YugabyteDialect.scala b/core/src/main/scala/akka/persistence/r2dbc/internal/postgres/YugabyteDialect.scala
index 49a69c22..bd2862b8 100644
--- a/core/src/main/scala/akka/persistence/r2dbc/internal/postgres/YugabyteDialect.scala
+++ b/core/src/main/scala/akka/persistence/r2dbc/internal/postgres/YugabyteDialect.scala
@@ -17,6 +17,7 @@ import akka.persistence.r2dbc.internal.SnapshotDao
 import com.typesafe.config.Config
 import io.r2dbc.spi.ConnectionFactory
 
+import akka.persistence.r2dbc.ConnectionFactoryProvider.ConnectionFactoryOptionsProvider
 import akka.persistence.r2dbc.internal.R2dbcExecutorProvider
 
 /**
@@ -27,8 +28,10 @@ private[r2dbc] object YugabyteDialect extends Dialect {
 
   override def name: String = "yugabyte"
 
-  override def createConnectionFactory(config: Config): ConnectionFactory =
-    PostgresDialect.createConnectionFactory(config)
+  override def createConnectionFactory(
+      config: Config,
+      optionsProvider: ConnectionFactoryOptionsProvider): ConnectionFactory =
+    PostgresDialect.createConnectionFactory(config, optionsProvider)
 
   override def daoExecutionContext(settings: R2dbcSettings, system: ActorSystem[_]): ExecutionContext =
     system.executionContext
diff --git a/core/src/main/scala/akka/persistence/r2dbc/internal/sqlserver/SqlServerDialect.scala b/core/src/main/scala/akka/persistence/r2dbc/internal/sqlserver/SqlServerDialect.scala
index ccb97fff..ee6d5125 100644
--- a/core/src/main/scala/akka/persistence/r2dbc/internal/sqlserver/SqlServerDialect.scala
+++ b/core/src/main/scala/akka/persistence/r2dbc/internal/sqlserver/SqlServerDialect.scala
@@ -24,6 +24,7 @@ import io.r2dbc.spi.ConnectionFactories
 import io.r2dbc.spi.ConnectionFactory
 import io.r2dbc.spi.ConnectionFactoryOptions
 
+import akka.persistence.r2dbc.ConnectionFactoryProvider.ConnectionFactoryOptionsProvider
 import akka.persistence.r2dbc.internal.R2dbcExecutorProvider
 
 /**
@@ -59,7 +60,9 @@ private[r2dbc] object SqlServerDialect extends Dialect {
     res
   }
 
-  override def createConnectionFactory(config: Config): ConnectionFactory = {
+  override def createConnectionFactory(
+      config: Config,
+      optionsProvider: ConnectionFactoryOptionsProvider): ConnectionFactory = {
 
     val settings = new SqlServerConnectionFactorySettings(config)
     val builder =
@@ -79,11 +82,13 @@ private[r2dbc] object SqlServerDialect extends Dialect {
             .option(ConnectionFactoryOptions.DATABASE, settings.database)
             .option(ConnectionFactoryOptions.CONNECT_TIMEOUT, JDuration.ofMillis(settings.connectTimeout.toMillis))
       }
-    ConnectionFactories.get(
-      builder
-        //the option below is necessary to avoid https://github.com/r2dbc/r2dbc-mssql/issues/276
-        .option(MssqlConnectionFactoryProvider.PREFER_CURSORED_EXECUTION, false)
-        .build())
+
+    builder
+      //the option below is necessary to avoid https://github.com/r2dbc/r2dbc-mssql/issues/276
+      .option(MssqlConnectionFactoryProvider.PREFER_CURSORED_EXECUTION, false)
+
+    val options = optionsProvider.buildOptions(builder, config)
+    ConnectionFactories.get(options)
   }
 
   override def daoExecutionContext(settings: R2dbcSettings, system: ActorSystem[_]): ExecutionContext =
diff --git a/core/src/test/scala/akka/persistence/r2dbc/R2dbcSettingsSpec.scala b/core/src/test/scala/akka/persistence/r2dbc/R2dbcSettingsSpec.scala
index f03374be..66a9cb57 100644
--- a/core/src/test/scala/akka/persistence/r2dbc/R2dbcSettingsSpec.scala
+++ b/core/src/test/scala/akka/persistence/r2dbc/R2dbcSettingsSpec.scala
@@ -64,6 +64,14 @@ class R2dbcSettingsSpec extends AnyWordSpec with TestSuite with Matchers {
       connectionFactorySettings.sslMode shouldBe "verify-full"
       SSLMode.fromValue(connectionFactorySettings.sslMode) shouldBe SSLMode.VERIFY_FULL
     }
+
+    "support options-provider" in {
+      val config = ConfigFactory
+        .parseString("akka.persistence.r2dbc.connection-factory.options-provider=my.OptProvider")
+        .withFallback(ConfigFactory.load("application-postgres.conf"))
+      val settings = R2dbcSettings(config.getConfig("akka.persistence.r2dbc"))
+      settings.connectionFactorySettings(0).optionsProvider shouldBe "my.OptProvider"
+    }
   }
 
   "data-partition settings" should {
@@ -287,5 +295,46 @@ class R2dbcSettingsSpec extends AnyWordSpec with TestSuite with Matchers {
       settings.connectionFactorSliceRanges(0) should be(0 until 1024)
     }
 
+    "support options-provider" in {
+      val config = ConfigFactory
+        .parseString("""
+          akka.persistence.r2dbc.postgres.options-provider=my.OptProvider
+          akka.persistence.r2dbc.data-partition {
+            number-of-partitions = 2
+            number-of-databases = 2
+          }
+          akka.persistence.r2dbc.connection-factory-0-0 = ${akka.persistence.r2dbc.postgres}
+          akka.persistence.r2dbc.connection-factory-0-0.host = hostA
+          akka.persistence.r2dbc.connection-factory-1-1 = ${akka.persistence.r2dbc.postgres}
+          akka.persistence.r2dbc.connection-factory-1-1.host = hostB
+          """)
+        .withFallback(ConfigFactory.load("application-postgres.conf"))
+        .resolve()
+      val settings = R2dbcSettings(config.getConfig("akka.persistence.r2dbc"))
+      settings.connectionFactorySettings(0).optionsProvider shouldBe "my.OptProvider"
+      settings.connectionFactorySettings(1).optionsProvider shouldBe "my.OptProvider"
+    }
+
+    "support options-provider per db" in {
+      val config = ConfigFactory
+        .parseString("""
+          akka.persistence.r2dbc.data-partition {
+            number-of-partitions = 2
+            number-of-databases = 2
+          }
+          akka.persistence.r2dbc.connection-factory-0-0 = ${akka.persistence.r2dbc.postgres}
+          akka.persistence.r2dbc.connection-factory-0-0.host = hostA
+          akka.persistence.r2dbc.connection-factory-0-0.options-provider=my.OptProvider0
+          akka.persistence.r2dbc.connection-factory-1-1 = ${akka.persistence.r2dbc.postgres}
+          akka.persistence.r2dbc.connection-factory-1-1.host = hostB
+          akka.persistence.r2dbc.connection-factory-1-1.options-provider=my.OptProvider1
+          """)
+        .withFallback(ConfigFactory.load("application-postgres.conf"))
+        .resolve()
+      val settings = R2dbcSettings(config.getConfig("akka.persistence.r2dbc"))
+      settings.connectionFactorySettings(0).optionsProvider shouldBe "my.OptProvider0"
+      settings.connectionFactorySettings(1023).optionsProvider shouldBe "my.OptProvider1"
+    }
+
   }
 }