Best Embedded Payments Platforms for Cloud

The new standard in online payments. Stripe is the best software platform for running an internet business. We handle billions of dollars every year for forward-thinking businesses around the world. Stripe builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Millions of the world’s most innovative technology companies are scaling faster and more efficiently by building their businesses on Stripe. We believe that payments is a problem rooted in code, not finance. We obsessively seek out elegant, composable abstractions that enable robust, scalable, flexible integrations. Because we eliminate needless complexity and extraneous details, you can get up and running with Stripe in just a couple of minutes.

Exact Payments develops and delivers easy-to-integrate and highly scalable payments technology for SaaS companies to seamlessly embed payment flows into their software and activate a new, high-margin revenue stream. With Exact’s PayFac-as-a-Service solution, SaaS providers build frictionless buying journeys that enhance customer experience, improve retention, and increase the lifetime value of a customer by as much as 5x. Today, Exact processes nearly 1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax. Exact is integrated with leading processors in the US and Canada, including Elavon, Fiserv, Global Payments/TSYS, Chase Canada, and Moneris. Our payment solutions are designed for performance and reliability, supporting over 10,000 merchant clients and delivering 99.99% uptime availability with transaction response times of less than 1 second.

Spreedly is a Payments Orchestration platform. Organizations rapidly growing, entering new markets, seeking to limit their compliance burden, or to lower payments costs often find that they can’t adapt their infrastructure to accept payments the way their business requires. Our Payments Orchestration platform enables payments flexibility and redundancy by allowing customers to build one integration and then route transactions through virtually any combination of payment services without ever touching end-consumer card data. Capture and secure payment methods in a portable PCI-compliant vault. Then leverage our massive ecosystem of Spreedly and third-party payment services to enable and optimize digital transactions. Connect to virtually any payment service via a single API rather than building complex integrations. Leverage our experience across billions of transactions to enhance your payments strategy.

Stax empowers software platforms, small businesses, and large businesses, through simplified, industry-leading integrated payment and recurring billing solutions. Stax Connect is an unmatched payment ecosystem that enables unparalleled portfolio growth through technology and payment monetization. Radically simplify the ability for ISVs to power their payments with Stax’s developer-friendly API, offering a single integration that provides access to best-in-breed tools needed to provide payment acceptance capabilities, eliminating the time and costs associated with other “PayFac in a box” offerings. Secure in-person and online credit card payment processing with Stax Pay. An all-in-one business management platform built to help you run and grow your business.

BlueSnap's All-in-One Accounts Receivable Automation solution, formerly Armatic, is the highest rated software solution for Payment Processing, Billing/Invoicing, Recurring Billing and Subscription Management. Billing and Invoicing: Create beautiful invoices with our powerful invoice editor synced into your accounting system. Provide a customer portal, automatic charging, payment collection, and apply late fees. Recurring Billing & Subscription Management: BlueSnap provides enterprise-class subscription billing management for fast-growing businesses worldwide. Enable trial periods, manage plans, or prorate subscriptions. Payment Processing: BlueSnap is processor agnostic and provides integrations to all types of payment solutions from credit card payments, ACH, SEPA to wires. We handle partial payments, automatic failed payment retry, and automatic payment recovery.

Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.

Power your finance, grow your business. Accept payments from customers. Automate payouts to vendors & employees. Never run out of working capital. Mix and match products from Razorpay's payment suite to solve for your exact business use case. With the easiest integration, completely online onboarding, feature filled checkout and best in class performance, quickly go live with Razorpay and experience the future of payments. Razorpay Payment Pages is the easiest way to accept payments with a custom-branded online store. Accept international and domestic payments with automated payment receipts. Take your store online instantly with zero coding. Preparation is everything! Use hosted Event Registration to quickly register event attendees online and send automated receipts. Raising money for a good cause? Our hosted Donations page saves you valuable time by automatically sending personalized 80G receipts.

End-to-end payments, data, and financial management in a single solution. Meet the financial technology platform to help realize your ambitions fast. Easily add more payment methods and grow into new markets with local acquiring. Create superior customer experiences using cross-channel insights. Gain a deeper understanding of your business with all your global payment data in one place. Protect your business by detecting and responding to fraud without impacting real transactions. Optimize your finances and increase automation with our banking infrastructure. Especially valuable for platforms and marketplaces looking to payout users faster in a preferred currency.

Cybrid offers innovative embedded payment solutions, streamlining financial integrations via robust APIs and SDKs. Our payment orchestration platform simplifies complex processes like seamless KYC, fund transfers and settlement. We facilitate bank connections through Plaid, offer versatile money transmission methods, and provide Virtual FBO Accounts in USD and CAD, connected to an ACH, Wire, and RTP money transfers. Unique to Cybrid is our integration with crypto onramps and offramps through our Smart Order Router, which includes direct integration to Bitcoin (including Lightning Network) and Circle's USDC. Multi-chain USDC support including Ethereum, Polygon, Solana and Stellar positions us at the forefront of digital currency innovation. Ideal for businesses seeking to embed payment services into their applications, Cybrid is the go-to for efficient, secure, and versatile financial integrations.

Papaya Global is a SaaS fintech company providing global payroll technology and the only one with an embedded payments platform designed for the workforce needs of global enterprises. Papaya's comprehensive technology, known as Papaya Payroll OS, provides global payroll with automation, compliance, flexibility, and security. The platform gives finance teams the visibility and control to master workforce spending and payments — with full liability if anything goes wrong. Papaya's integrated approach connects the dots of global payroll, unifying and standardizing data and processes from HCM and ERP tools to create a single source of truth. It turns payroll - every company's biggest expense and liability - into a strategic asset, empowering growth at scale. Papaya's team currently spans Tel Aviv, New York, Austin, London, Kiev, Singapore, and Melbourne. Its technology has been recognized by all leading global analysts, including Gartner, Visa, NelsonHall, and others.

VoPay’s Fintech-as-a-Service platform allows any company to embed financial services and payment capabilities into their existing applications, product, or services through a single and scalable API. VoPay offers a simple technology layer that enables businesses and software companies to seamlessly offer secure, fast, and direct bank account payments. By integrating a single API, businesses can securely connect to all major payment rails and leverage customer-centric, data-rich information for better decision-making. Our goal is to eliminate all payment inefficiencies, so businesses can focus on what they do best in today’s fast-paced digital economy.

We provide payments infrastructure for independent software vendors (ISVs) and software platforms to ensure small businesses get paid quickly and easily. We deliver payments you can bank on. Our APIs make flexible, integrated payments possible via referral, white label or payment facilitator models, so our customers can focus on their core strategy. WePay’s corporate values are core to who we are and how we operate. We endeavor to live up to them every day in our interactions with each other and with our customers and partners. Seamlessly integrate payments into your application; we’ll support you from behind-the-scenes. Leverage the Chase brand & network to maximize adoption of digital payments.

Meet TapiX, Dateio’s API-based service that enriches payment data in real-time and returns precise information about transaction identification. TapiX REST API enriches payments data with the company logo, accurate company name, GPS, business category, google place ID, company URL, and detects subscriptions. We are also recently piloting income detection and transfer enrichment. The enriched data provides a thorough source to make real-life business decisions based on a true understanding of their clients.

Unlock business growth without worrying about complex regulations, shouldering the compliance burden or managing data security as we handle that for you. Safely handle supplier payments or build a benefits programme your employees will love. Delight customers with digital gifting and make crypto PoS enablement safe and streamlined. Enabling everything from salary advances to compensation payments, built into your business. Supercharging B2B marketplaces and crowdfunding capabilities, all ready to plug-and-play. Up until now, adding financial services exactly where and when your customers need them has been tricky. Not anymore. Our ready-made, plug-and-play financial services offer unlimited use-cases with unrivalled simplicity meaning you can select the services you need and start adding value to your customers almost instantly.

One platform. One partner. Limitless global possibilities. Bring it all together through one end-to-end payment technology platform. Take advantage of all Nuvei has to offer without changing provider. That’s right. We believe in choice, flexibility and redundancy. Add us to your gateway stack for faster growth and geographic coverage, or take advantage of our full platform for maximum benefits. Leverage our connections with 200+ global acquirers to capture every payment opportunity, increase acceptance rates, and reduce operating costs. Reach a new level of payment processing capability with our extensive flexibility and customization. Start processing fast. Our payment platform easily integrates with multiple gateways, platform partners and eCommerce plugins. Take advantage of all Nuvei has to offer without changing providers. That’s right. We believe in choice, flexibility and redundancy.

Payrix is on a mission to be the global leader in embedded payments for vertical software businesses. We are committed to giving our clients more freedom and peace of mind with a proven solution that helps eliminate friction, unleash their possibilities with new revenue, and make their customers’ lives easier. Payrix clients including Real Green Systems, Storable, iClassPro and SupporterHub have harnessed our unique, all-in-one platform — combined with a white-glove approach — that enables them to capitalize on the opportunities within embedded payments for growth, innovation, and transformation.

Shopwave is a vertical operating system featuring embedded payments for mid-market retail and restaurant brands. ▪ 15 Vertical apps and services, including POS, Kiosk, KDS, endless aisle, payments, data lake, ETL, orchestration, app integration, BI, kitchen and store automation. ▪Enables brands with $/£/€30m+ annual revenue to automate, integrate, execute and scale globally. ▪ Third-party app integration and managed data stack in 1/5 of the time, at 1/5 of the cost. ▪ Manage complex, global, omni-channel estates with ease including franchise, concession multi format food x retail, dark kitchen, manufacturing and supermarket operations. ▪A single account for all your brands, territories, currencies, variables, price and tax schemes. ▪ Our partners include Adyen, PayPal, Stripe, Dojo, Square, Verifone and 100's more. We integrate with all leading global payment, software and hardware companies. ▪Trusted by over 4,000 of the worlds leading retail and restaurant brands in 32 count

Making embedding finance into apps and customer journeys as simple as drag and drop. One platform to access a complete set of global financial capabilities. A super simple API for developers to embed global financial services directly into your app or customer journey. A global operations and license platform that processes billions of dollars annually to run your embedded financial services for you. Or if you have your own licenses and financial operations capabilities, these can be plugged in and you can use ours to scale to new geographies. Simple APIs to build and integrate any financial use-case into your own customer experience. You concentrate on product design, marketing, and engaging customers, we do all the rest. Instantly create single-use virtual debit cards to manage SaaS and other subscriptions like Netflix. Integrate wage advancing seamlessly into the payroll processes.

At Liberis we’re experts at embedding revenue-based finance solutions into your existing customer experiences. You can provide your business customers with the intuitive, responsible finance they’re after. Our embedded finance platform empowers you to offer finance directly to your customers within your own customer experiences. We’ll handle the documentation, legal processes, and funding. Your customers need finance for many reasons, from cash flow management to business growth. Liberis’ embedded finance platform provides a fast and simple solution, with a revenue-based payment method that we know businesses owners love.

Many companies promise quick and simple payments acceptance. But off-the-shelf payments solutions come with trade-offs. You may be giving up payments revenue, ownership of your data, and control over your payments product and your customer experience. Offer your customers a customized payment product where they control fees, funding schedules, onboarding decisions, and the entire payment process. Build payment solutions how you choose with the ability to change if and when necessary. Generate additional payments revenue you used to hand over to third parties. This new cashflow can increase your valuation exponentially. Ongoing risk and compliance monitoring designed by those who wrote the book on risk and compliance. Industry-best KYC processes, customizable merchant application, triggered underwriting, and integrated boarding services.

The Fortis platform has what you need to quickly and easily connect with your customers. Our deep vertical specialization, award-winning developer connectivity, and real-time rules-based underwriting API ensure accounts are approved and boarded in minutes. Using our nuanced understanding of each industry we serve, our expert Guides develop intentional solutions that go beyond payments to steer your business toward growth. At Fortis, we constantly assess and expand our online payment solutions to meet the needs of your business, today and tomorrow. Our secure, cloud-based smart platform enables you to meet your customers’ demands and implement smart payment solutions including recurring payments, shopping carts, online charitable donations, and more. Our all-in-one platform seamlessly connects with almost any legacy software, Electronic Return Originator (ERO) application.

Seamlessly integrate into Tilled’s payments platform and immediately start earning revenue by accepting online or in-person payments via credit, debit, and ACH processing, as well as alternate payment methods like Apple Pay®. Seamlessly integrate into Tilled’s payments platform and immediately start earning revenue by accepting online or in-person payments via credit, debit, and ACH processing, as well as alternate payment methods like Apple Pay®. Through our Secure Storage Vault, your merchants can easily manage recurring payments and subscriptions as well as provide payment plan options. Merchants can also send invoices through text or email, and customers can click to pay instantly. Our reports and dashboards are available to both you and your merchants, and can be customized to your company’s brand and specific customer needs. Instantly view updates to merchant transaction history, batch settlement history, average payment volumes, and more.

Grow revenue by embedding payments into your product — without taking on risk or compliance headaches. With Rainforest, you can make money flow through your platform in more ways than one. Use a single provider for cards, ACH, faster payments, next-day funding, and more. Reduce development time and get to revenue faster with our pre-built, embeddable components for payments, reporting, chargebacks, merchant onboarding, and more. We take care of risk and compliance headaches, so you don’t have to — including transaction monitoring, merchant KYC, and all the necessary reporting. Take full ownership of your merchant customers and their data. Create a fully white-labeled experience, with no contract lock-in, minimums, or monthly fees. Use our revenue calculator to learn how much you could grow by adding payment processing to your platform.

Unleash innovation with connected payments. Adapt, innovate and thrive with more value from every transaction flowing through your business. You deserve more than plain old payments. Our super-connected technology makes them seamless and so much more. Get faster, more reliable transactions. Higher conversions. Unbeatable insight and flexibility. So you can delight your customers and unlock new revenue streams. Streamline your payments through one unified API that evolves with you and responds to change as it happens. Grow anywhere with local acquiring in major markets, 150+ currencies and most popular payment methods. Get a radically transparent view of your payments data and instant insights you can change your world with. See how we can free your payments potential.

Accept online payments today. Start growing your business with effortless payments. Quick setup. Begin accepting payments in 15 minutes. Honest pricing. Only pay for successful transactions. All leading payment methods. The best localised experience. Payments Quickly integrate all major payment methods using one of our free plugins, or build your own payment product with our robust yet simple API. Mollie helps you to run your business as efficiently as possible, with features that make your payments straightforward, effective and easy to navigate. Recurring Enjoy the freedom to create any payment plan that fits your business, so you can effortlessly collect your recurring payments. Managing your recurring payments is easier than ever with our helpful features. Take your business to the next level with efficient tracking options, simple integrations, and more.

Finix's Payments Infrastructure-as-a-Service decreases the time, cost, and headache SaaS businesses, ISVs, and marketplaces experience when bringing payments in-house. The Finix Professional Services (FPS) team wrote the book on the payment facilitation model. Simply stated, a payment facilitator is a technology company that provides a payments solution to the sub-merchants it sponsors or underwrites. We’re committed to exceeding the highest global data security standards. Our team works with regulators around the world to ensure our platform adapts to ever-changing regulatory requirements so you don’t have to. Payments ownership gives companies the ability to earn more revenue, enhance product experiences, and delight customers. Finix Flex helps fast-growing software companies monetize their payments today while putting them on the path to full payment facilitation. When you’re ready to make the transition, remain on the same Finix platform to avoid switching costs.

Airwallex is the business account built for global businesses. Your account comes standard with features like multi-currency business accounts, so you can collect and hold money in over 11 currencies while avoiding double conversions. Issue virtual debit cards for you and your team in seconds. Transfer money internationally in up to 23 different currencies, without the excessive fees and transfer wait times. Integrate with our API to improve your platform product offering and scale your business. Invoice and accept payments from international customers in their preferred currency. Seamlessly connect your business accounts with popular platforms like Amazon, eBay, Shopify and PayPal. Pay out in the same currency, or convert and withdraw in USD using outstanding FX rates. Issue new virtual payment cards in seconds. Change spend limits and revoke access, all from our online platform.

Business payments are clunky, costing you time, resources and customers. We provide an API payments infrastructure so you can efficiently automate and embed payments. Unlocking operational efficiency and revenue drivers. Automate your B2B payment flows, including receivables, payables, collections and disbursement. Maximize the efficiency of your teams and reduce operational costs. Put payments at the heart of your platform, workflows and customer experiences. Embed access to UK, EU, international and card payment schemes within your software. We're the 'out of the box' payments plumbing you need to build the next best bank or payment service. Grow faster and go further supported by our platform. Securely disburse loans and collect repayments into segregated accounts on an automated, real-time and 24/7 basis. Pay workers on time, every time with a real-time view of cash flow, instant emergency payments and robust approval controls.

Monite lets neobanks, B2B SaaS, and other platforms offer compliant AP Automation & Invoicing to their clients. The functionality of top specialized players, is API-first and native to your interface. Your clients can collect all incoming bills in one place, collaborate & build approval flows, allow employees to pay invoices with a card or another payment method, and more. Your clients can send offers & invoices to their clients, collect payments online and see analytics. Custom invoice design, reminders & dunning, auto-payment recognition & reconciliation, and more. A receivable is an invoice issued by a company to its customers for delivered goods or used services that have not been paid for yet. This usually occurs because of credit sales and as a result of buying goods or services on credit. Essentially, Monite API enables the whole accounts receivable aspect of SMEs business to run in an "auto-pilot” mode.

True freight brokerage software. Other technology companies have tried to automate your business away and failed – partner with the ones who are behind you for the long haul. There’s no silver bullet to get you more freight - everything needs to run smoothly. That’s why our platform addresses your organization as a whole instead of one group of sales reps or billing reps. Our TMS has got you covered when it comes to managing your day-to-day. The MVMNT platform represents the best of what we’ve learned over the years, giving you everything you need to make the day less turbulent and the quarters more profitable. Not only does this save you headaches, but it also frees up your time so you can focus on what really matters – your relationships. Use MVMNT’s embedded payment solution to pay carriers faster without putting any strain on your cash flow. Leverage shorter payment terms to strengthen relationships, get better service, negotiate better rates, & drive additional revenue