Embedded payments are financial services built directly into a platform’s workflow. Instead of redirecting users to an external checkout or third-party site, the payment experience is delivered natively within the platform.
For SaaS businesses, this means:
From accounting platforms to booking systems to vertical SaaS products, embedded payments for platforms are quickly becoming the norm.
Digital payments are no longer just about convenience; they are about control, revenue, and retention. Platforms that own payments are platforms that grow faster.
With embedded payments, platforms can set their own pricing models — such as charging merchants a flat rate and capturing the margin. This creates predictable, recurring revenue tied to transaction volumes.
Seamless checkouts reduce friction and boost conversion rates. For B2B platforms, embedded payments simplify invoicing, recurring billing, and subscriptions — directly inside the workflow.
When merchants rely on your platform not just for operations but also for payments, they’re far less likely to leave. Tokens, mandates, and payment history become part of the long-term relationship.
Building payments infrastructure in-house can take years and expose you to compliance risk. With a managed provider like Unipaas, SaaS businesses can integrate quickly, outsource complexity, and launch in weeks instead of months.
Beyond payments, platforms can embed lending services — such as cash advances or flexible financing. This helps merchants grow, while increasing loyalty and creating a new monetisation layer.
Unipaas provides PayFac-as-a-Service, enabling platforms to:
Look for scalability, modularity, and compliance. A good partner should manage PCI DSS, KYC/KYB, and fraud risk for you, while offering API-first integration and proven support for multiple payment methods.
PayFac-as-a-Service gives you the power of a payment facilitator without the heavy lifting. Unipaas handles compliance, onboarding, and risk, while you monetise payments, improve stickiness, and strengthen your brand.
Through embedded finance providers, you can add lending services such as cash advances or flexible credit. These can be surfaced in your platform’s dashboard, giving your merchants access to funding when they need it — and positioning you as a growth partner.
Platforms need to comply with regulations around payments, data protection, and fraud. With Unipaas, these challenges are managed for you as part of a fully managed service, so you can focus on scaling.
Yes. Many platforms offer a flat processing fee to merchants, while retaining a margin behind the scenes. This keeps pricing transparent and predictable for your customers, while ensuring you unlock new revenue streams.
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