Embedded Payments
Embedded payments is the integration of payment processing capabilities directly into a software platform, marketplace, or application — allowing businesses to accept, manage, and monetize payments without redirecting users to a third-party checkout.
Unlike traditional payment processing where merchants sign up with a standalone processor, embedded payments makes the platform itself the payments layer. SaaS companies, vertical software providers, and marketplaces use embedded payments to create new revenue streams through payment facilitation while improving user experience.
The embedded payments model has grown rapidly because it aligns incentives: the platform earns a share of processing volume, merchants get a seamless experience, and end customers never leave the application. Major enablers include Stripe Connect, Adyen for Platforms, and specialized PayFac-as-a-Service providers.
Key considerations when evaluating embedded payments include: payment facilitator (PayFac) vs. ISO registration, interchange-plus vs. flat-rate pricing models, underwriting and compliance requirements, payout timing and flexibility, and the total cost of ownership across build vs. buy options.
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