Embedded Payments for ISVs
How independent software vendors can integrate payment processing directly into their platforms to create new revenue streams and improve user retention.
Embedded payments let ISVs turn their software into a payment acceptance channel, earning revenue on every transaction while giving merchants a seamless experience. Learn what embedded payments are and how they work at a technical level.
Why ISVs Are Embedding Payments
Software companies that embed payments see 2-5x higher revenue per customer compared to SaaS-only models. By owning the payment flow, ISVs reduce churn, increase switching costs, and unlock transaction-based income that scales with merchant growth.
Choosing Your Integration Model
The right approach depends on your volume, risk appetite, and engineering resources. Options range from simple referral partnerships to full PayFac registration, with managed PayFac-as-a-Service sitting in the middle as the most popular choice for growth-stage ISVs. Compare leading providers like Stripe, Finix, and Xplor Pay to find the right fit.