Embedded payments aren’t just a fintech trend — they’re becoming table stakes for modern platforms. From CRMs to ERPs, vertical SaaS to B2B marketplaces, the rush to integrate payments directly into software is transforming how businesses monetize and operate.

And the race is heating up.

🔌 What Are Embedded Payments?

Embedded payments allow software platforms to offer payment processing natively within their product, rather than redirecting users to a third-party processor.

Example: A salon booking app that lets customers pay in-app without needing a separate POS — or a construction SaaS that includes invoicing and ACH payments right inside the dashboard.

💸 Why Is Everyone Jumping In?

Simple: money, control, and customer stickiness.

When platforms embed payments, they unlock:

• New revenue streams from payment fees
• Better UX that keeps users inside the product
• Stronger retention because switching becomes harder

As Stripe’s success has shown, offering payments isn’t just a feature — it’s a business model. And platforms want a piece of it.

🥊 Who’s Leading the Charge?

The space is becoming increasingly competitive:

• Stripe Connect, Adyen, and Payrix are leading the white-label charge
• ISOs and traditional payment processors are scrambling to stay relevant
• Vertical SaaS platforms (like Toast, Mindbody, and ServiceTitan) are becoming full-blown fintechs
• Private equity is backing software + payments plays aggressively

Meanwhile, companies like Plaid and Moov are arming developers with tools to make integration faster and cheaper.

🔮 What’s Next?

We’re only scratching the surface. Expect to see:

• B2B marketplaces embedding payment terms and financing
• SaaS platforms acquiring their own PayFac licenses
• More M&A between ISVs and payment companies
• New regulations around who can hold, move, and profit from funds

⚡ The Takeaway

Embedded payments are changing the game — not just for how businesses get paid, but for who controls the transaction.

It’s no longer enough to offer payments. In 2025, the winners will be those who build it in from day one.

🤝 Need Talent That Understands This Shift?

At IMPACT Payments Recruiting, we know embedded payments, PayFac models, and the tech shaping the future of finance.
We help you hire the people building what’s next.

📩 Reach out anytime: contactIPR@go-impact.com