Building payments that work for platforms

Payments are changing.

For years, banks and large PSPs served merchants directly. Platforms were on the sidelines. But businesses no longer want to manage multiple providers. They expect their core software to handle everything: onboarding, pricing, payouts, and reconciliation.

That shift creates a huge opportunity. We believe most payment volume is moving to vertical SaaS platforms. These platforms are becoming the primary gateway for businesses and are best positioned to offer not just software but also financial products.
The problem is that existing infrastructure was never built for this. Traditional PSPs were designed to serve merchants directly, not platforms. Their systems are rigid, reconciliation is messy, pricing models are hard to configure, and they compete over the same customers. On top of that, every industry requires a bespoke approach when it comes to financial services and KYC friction. The result is a clunky experience that frustrates both platforms and the businesses they serve.

We started Embed to change that. Embed is a fully licensed financial institution providing payments infrastructure designed from the ground up for vertical SaaS. That means flexible onboarding, modular financial products, and reporting that actually matches how platforms operate. It means giving platforms control over how payments are priced, how funds move, and how new financial products are offered. The opportunity ahead is massive. Bain & Company estimates up to $35 trillion in payments could flow through platforms annually. In the US, this has already started with companies like Shopify and Toast. Europe is next, and adoption here is still in the early stages.

Our promise is simple: We design for platforms first.

We make complexity invisible.

And we help turn payments into a revenue driver rather than a cost center. This is the next chapter in payments. We are here to help you write it.