Seamlessly integrate payment processing into your existing applications. Empower your customers with a frictionless checkout experience that drives sales and loyalty.
18 tools highlightedUpdated September 2026
Top Embedded Payments Software Tools for 2026
Compare leading embedded payments software platforms by pricing, strengths, trade-offs, and best-fit teams.
#1
1. Stripe Connect
Payments for platforms and marketplaces.
4.7
Stripe Connect is a suite of APIs and tools that enables platforms to embed payments directly into their software. It handles everything from onboarding sellers to routing funds, managing disputes, and generating reports, simplifying complex payment flows for businesses.
Starts at 0.30% + $0.30 per transaction for standard accounts, with custom pricing for advanced features and volume.
Best for: Marketplaces and platforms needing robust embedded payments.
Adyen for Platforms provides a complete financial technology stack for platforms to build customized payment solutions. It allows platforms to control the entire payment experience, from onboarding and payouts to financial reporting, all under one roof.
Custom pricing based on volume and services used, generally competitive for enterprises.
Best for: Large platforms and enterprises seeking a holistic financial solution.
Pros
Highly customizable and scalable.
Global coverage and settlement.
Unified platform for payments and financial services.
Braintree Marketplace, a PayPal service, facilitates seamless payment processing for multi-sided platforms and marketplaces. It offers a secure and flexible way to manage payments between buyers, sellers, and the platform, with global reach and fraud protection.
Starts at 2.59% + $0.49 per transaction, volume discounts available.
Best for: Marketplaces seeking a reliable and established payment solution.
Empower your platform with comprehensive payment solutions.
4.4
Worldpay for Platforms offers scalable payment processing and related services designed for software platforms and marketplaces. It supports various payment methods, currencies, and geographical regions, helping platforms manage complex payment flows efficiently and securely.
Custom pricing based on business needs and transaction volume.
Best for: Enterprise platforms requiring a global payment infrastructure.
Payments for marketplaces and crowdfunding platforms.
4.3
Mangopay specializes in providing payment solutions for marketplaces, crowdfunding platforms, and collaborative economy businesses. It offers escrow accounts, multiple payouts, and identity verification, ensuring compliance and secure transactions between users.
Starts at 1.8% + €0.18 per transaction, with custom plans for higher volumes.
Best for: Marketplaces and crowdfunding platforms in Europe.
WePay Clear, acquired by JPMorgan Chase, offers integrated payment solutions for software platforms, enabling them to embed payment processing directly into their applications. It handles merchant onboarding, risk management, and settlement, providing a seamless experience.
Custom pricing, often integrated into the platform's overall fee structure.
Best for: SaaS platforms and ISVs looking to embed payments.
Modulr is a Payments as a Service API platform that allows businesses to embed payments directly into their software. It provides access to Faster Payments, Bacs, Chaps, and SEPA schemes, enabling programmatic money movement and reconciliation for various use cases.
Custom pricing based on transaction volume and services consumed.
Best for: Businesses needing programmatic control over payments.
Software that bundles payments into your platform.
4
Tilled offers PayFac-as-a-Service, allowing software companies to become their own payment facilitator. This enables platforms to earn revenue on every transaction processed through their system, simplifying billing and increasing control over the payment experience.
Revenue share model, with platforms earning a percentage of transaction fees.
Best for: SaaS companies wanting to become a PayFac.
Pros
Enables platforms to monetize payments.
Streamlined merchant onboarding.
Full control over branding and customer experience.
Cons
Requires commitment to a PayFac model.
Not ideal for platforms with very low transaction volumes.
SaaS Direct provides integrated payment solutions tailored for Software as a Service (SaaS) platforms. They offer white-label payment processing, facilitating seamless transactions directly within a SaaS application. Their focus is on simplifying payment integration and management for vertical-specific software, enhancing user experience and operational efficiency for SaaS businesses.
Custom pricing based on transaction volume and services.
Best for: Vertical SaaS companies looking for deeply integrated, branded payment processing.
Pros
White-label solution maintains brand consistency
Deep integration capabilities for various SaaS platforms
Streamlined onboarding and compliance for merchants
Cons
Primarily focused on US market
Requires some development effort for full integration
Cloud-native payment orchestration for global enterprises.
4.6
Gr4vy offers a cloud-native payment orchestration platform that allows businesses to easily connect to multiple payment service providers (PSPs) and alternative payment methods. It provides a single API for managing payments, reducing complexity, and offering flexibility to optimize payment routing and enhance conversion rates, all while ensuring PCI compliance.
Tiered pricing based on transaction volume and features.
Best for: Growing enterprises needing flexible, global payment orchestration and redundancy.
Empowering software companies to monetize payments.
4.4
Payrix specializes in helping software companies embed payments directly into their platforms. They offer a complete suite of payment facilitation tools, including underwriting, risk management, and settlement services. This allows software providers to generate new revenue streams and provide a seamless, integrated payment experience for their end-users.
Revenue-share models and custom pricing.
Best for: ISVs and software platforms aiming to become full payment facilitators (PayFacs).
Finix provides the infrastructure for businesses to build and manage their own payment processing. Rather than acting as a payment gateway or processor, Finix offers the underlying technology to become a payment facilitator (PayFac) or to embed payments deeply into existing software. This gives businesses greater control and ownership over their payment ecosystem.
Custom enterprise pricing.
Best for: Large software platforms and marketplaces seeking to become their own payment facilitator.
Pros
Empowers businesses to own their payment stack
Flexible API for deep customization
Scalable for high transaction volumes
Cons
Requires significant development resources
Best suited for larger platforms with payment expertise
Fortis delivers a comprehensive platform for integrated payments, focusing on B2B and specialized markets. They provide robust APIs and an enterprise-grade platform to embed payment processing directly into business software and ERP systems. Fortis emphasizes security, compliance, and a frictionless payment experience for both merchants and their customers.
Custom solutions and volume-based pricing.
Best for: B2B software, ERP systems, and platforms with complex payment integration needs.
Moov is a modern payment platform designed to give businesses full control over their payment infrastructure. It offers a single API to accept, store, and disburse payments, enabling highly customizable payment experiences. Moov focuses on developer-friendly tools and flexible payment flows for various business models.
Volume-based pricing, custom quotes available.
Best for: Platforms and marketplaces needing deep payment customization.
Pros
Highly flexible and customizable API for diverse payment needs.
Supports a wide range of payment methods and disbursement options.
Developer-centric tools and comprehensive documentation.
Cons
Requires significant technical expertise for implementation.
May have a steeper learning curve for non-developers.
Seamlessly embed payment facilitation into your software.
4.5
Agreement Express offers a PayFac-as-a-Service solution that allows software companies to become payment facilitators without the complexities of direct registration. It streamlines merchant onboarding, underwriting, and payment processing, enabling faster time to market and increased revenue for platforms.
Custom enterprise pricing.
Best for: ISVs and SaaS platforms looking to monetize payments.
Pros
Simplifies the complexities of becoming a payment facilitator.
Accelerates merchant onboarding and revenue generation.
Comprehensive compliance and risk management features.
Cons
Primarily caters to larger platforms and enterprises.
Empower your software with integrated payment processing.
4.4
Stax Connect provides a white-label payment processing solution for software platforms. It allows businesses to offer their own branded payment experience to merchants, incorporating functionalities like recurring billing, invoicing, and reporting directly within their software ecosystem. Stax focuses on enhancing platform revenue and user experience.
Subscription-based with custom transaction fees.
Best for: SaaS platforms and ISVs seeking a branded payment solution.
Pros
White-label solution for a fully branded payment experience.
Comprehensive payment features for diverse business needs.
Dedicated support for platform partners.
Cons
May require a commitment to higher processing volumes.
Pricing structure can be complex for smaller platforms.
Securely integrate payments into B2B software solutions.
4.3
PayTrace offers embedded payment solutions tailored for B2B software, focusing on secure and compliant transaction processing. It helps software providers integrate payment acceptance directly into their applications, supporting various payment methods and offering advanced reporting tools for businesses with complex payment needs.
Tiered pricing based on transaction volume.
Best for: B2B software platforms requiring secure and compliant payment integration.
Pros
Strong focus on B2B payment security and compliance.
Supports Level 2 and Level 3 processing for reduced interchange fees.
Flexible API for seamless integration into existing software.
Cons
User interface can be less intuitive for beginners.
Primarily focused on B2B, less emphasis on consumer-facing payments.
Secure payment requests embedded within customer communications.
4.2
Prommt enables businesses to send secure payment requests directly to customers via email, SMS, and chat. It focuses on reducing PCI scope and improving payment conversion rates by embedding secure payment links within customer communication workflows, making it ideal for various B2B and B2C operational needs.
Subscription plans based on volume and features.
Best for: Businesses needing secure and efficient payment request capabilities.
Pros
Significantly reduces PCI compliance burden.
Improves payment collection efficiency and customer experience.
Easy integration with existing CRM and communication platforms.
Cons
Not a full payment gateway, relies on existing processors.
Primarily focused on payment requests, not direct processing.
Everything you need to know before choosing a embedded payments software solution — features, pricing, evaluation criteria, and answers to common questions.
01
What is Embedded Payments Software?
Embedded payments software refers to technology that allows businesses to integrate payment processing directly into their own applications, platforms, or services. Instead of redirecting customers to a third-party payment gateway, embedded solutions enable transactions to occur natively within the user experience. This creates a unified and convenient journey for the end-user, often leading to higher conversion rates and improved customer satisfaction.
Essentially, embedded payments unbundle the payment process, making it an integral part of the overall product or service rather than a standalone step. This can range from in-app purchases in a mobile game to integrated billing within a SaaS platform, or even real-time payment options within an e-commerce checkout flow.
02
Why Embedded Payments Software matters in 2026
In 2026, the demand for embedded payment solutions is soaring due to several factors. Consumers expect seamless and intuitive digital experiences, and payments are no exception. Businesses that offer integrated payment options can differentiate themselves from competitors, reduce friction in the buying process, and ultimately increase revenue.
Furthermore, embedded payments empower businesses with greater control over the customer journey. They can customize the payment interface to match their brand, collect valuable data on customer behavior, and offer personalized payment options. The rise of platform economies and the increasing adoption of digital wallets also make embedded payments a crucial component for sustained growth and innovation.
Security and compliance remain paramount. Advanced embedded payment solutions in 2026 are built with robust security features and adhere to the latest regulatory standards, protecting both businesses and their customers from fraud and ensuring data privacy across all transactions.
03
Key features to look for
Seamless Integration: The ability to easily embed payment functionalities into your existing platforms and applications with minimal development effort. Look for well-documented APIs and SDKs.
Multiple Payment Methods: Support for a wide range of payment options, including credit/debit cards, digital wallets (Apple Pay, Google Pay), bank transfers, and local payment methods relevant to your target audience.
Fraud Detection and Prevention: Robust security features to identify and prevent fraudulent transactions, protecting your business and customers.
Reporting and Analytics: Comprehensive dashboards and reports that provide insights into transaction data, customer behavior, and financial performance.
Scalability: The capacity to handle increasing transaction volumes as your business grows, without compromising performance or reliability.
Customization Options: The flexibility to brand and customize the payment experience to align with your business's aesthetic and user interface.
Global Reach: Support for multiple currencies and international payment processing if you operate in diverse geographical markets.
Compliance: Adherence to industry-specific regulations and data security standards (e.g., PCI DSS).
Developer-Friendly Tools: Easy-to-use APIs, SDKs, and comprehensive documentation to facilitate seamless integration and ongoing development.
Customer Support: Responsive and knowledgeable support to assist with any technical issues or inquiries.
04
How to choose the right Embedded Payments Software
Selecting the ideal embedded payments software requires careful consideration of your business needs and long-term goals. Start by assessing your current infrastructure and identifying areas where embedded payments can enhance the customer experience or streamline operations.
Firstly, prioritize solutions that offer robust security and compliance features. Data breaches can be catastrophic, so ensuring your chosen provider meets the highest industry standards is non-negotiable. Look for certifications and a proven track record in data protection.
Secondly, consider the range of payment methods supported. Does the solution cater to your target audience's preferred payment options? A diverse offering can significantly improve conversion rates. Evaluate the ease of integration – a developer-friendly platform with comprehensive documentation will save time and resources.
Finally, think about scalability and future-proofing. As your business evolves, your payment solution should be able to adapt. Choose a provider with a reputation for innovation and continuous improvement. Don't forget to evaluate the level of customer support offered; reliable assistance can be invaluable during implementation and ongoing use.
05
Common pricing models
Transaction-Based Fees: The most common model, where providers charge a percentage of each transaction, often with a small fixed fee per transaction. This model is ideal for businesses with varying transaction volumes.
Monthly Subscription Fees: Some providers offer plans with a fixed monthly fee, which may include a certain number of transactions or a set of features. This can be predictable for businesses with stable transaction volumes.
Tiered Pricing: Pricing that scales based on transaction volume, with lower percentage fees for higher volumes. This encourages growth and rewards successful businesses.
Custom Pricing: For large enterprises or businesses with unique needs, providers may offer custom pricing based on specific requirements, features, and transaction volumes.
Hybrid Models: A combination of the above, such as a low monthly fee plus a smaller transaction fee.
When evaluating pricing, always consider all potential fees, including setup fees, chargeback fees, and currency conversion fees. Transparent pricing is crucial for effective budgeting.
