Software and Embedded Payments
Payments inside your software product — done responsibly.
For software companies and platforms: we help you launch, monetize, or migrate embedded payments with the right economic model, integration depth, and risk posture.
Business problems we solve
- Referral relationships leaving revenue and control on the table.
- Payfac decisions made without honest cost, compliance, and risk analysis.
- Integrations that treat payments as an afterthought bolted on later.
- Support burden growing faster than payment revenue.
- Unclear economics between your platform, sub-merchants, and acquirer.
Recommended solutions
- Guidance on referral, payfac-lite, and full payfac models with real numbers.
- Embedded payment integration architecture and go-to-market planning.
- Sub-merchant onboarding, KYC, and risk workflows.
- Revenue-share, buy-rate, and interchange economics modeled honestly.
- Ongoing operational support so payments does not become a distraction.
Business benefits
- A payments strategy that fits your product roadmap and risk appetite.
- A meaningful, sustainable revenue line — not a vanity metric.
- Cleaner sub-merchant onboarding experience for your customers.
- Fewer surprises in year-two economics and compliance obligations.
Implementation Process
- 1
Review
We assess your current payments approach, product, and roadmap.
- 2
Recommend
You get an economic model, integration plan, and risk framework.
- 3
Implement
We support engineering, ops, and go-to-market alongside your team.
Common integrations
When a certified integration does not exist, we build one that behaves like it does.
Learn morePayments tied to the customer record, not to a stand-alone terminal.
Learn moreCheckout that converts, without giving up control over your payments stack.
Learn morePayments that post themselves into your books.
Learn moreRelated industries
Related services
Payments wired into the systems that already run your business.
Learn moreSubscription and installment billing that does not silently break.
Learn morePayments data that ties out to accounting on the first pass.
Learn moreRelated case studies
All case studies →New revenue line inside 90 days.
Frequently asked questions
Payfac or referral?+
Depends on volume, margin appetite, engineering capacity, and risk tolerance. We model both honestly.
Who underwrites sub-merchants?+
Depends on the model — payfac-lite splits the responsibility, full payfac takes it on end-to-end.
How long does launch take?+
Referral and payfac-lite launches typically run 60–120 days end-to-end.
Can we migrate later?+
Yes. Many platforms start with referral and graduate to payfac-lite once volume justifies it.
Talk to a specialist
Free, written recommendations. No obligation. White-glove support if you decide to move forward.
Ready to see what your setup could look like?
Book a working session focused on software and embedded payments. Clear recommendations, no obligation.
- • 150+ software platforms reviewed
- • 1,500+ merchant environments evaluated
- • Under 24-hour average response time
- • 7–14 business day onboarding