Best Embedded payments for platforms in USA
Non-sponsored, Expert Verified and Transparently Ranked Embedded payments for platforms in USA
Published: December 27, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Connect by Stripe scored highest due to Developer-first platform with polished embedded components and tooling that shift much of the payments, compliance, and onboarding burden from the platform to Stripe, enabling fast time‑to‑market and global scale..
Content Verification
Side-by-Side Comparison
| Feature | #1 Connect (Stripe) | #2 Payments (Adyen) | #3 Connect Global Payments Network (Checkout.com) | #4 PayPal for Business (PayPal Open) (PayPal) | #5 Embedded Payments for Software Platforms (Worldpay) |
|---|---|---|---|---|---|
| Best For | Developer-first platform with polished embedded components and tooling that shift much of the payments, compliance, and onboarding burden from the platform to Stripe, enabling fast time‑to‑market and global scale. | Unified commerce and compliance at global scale, Adyen handles KYC/KYB, risk, acquiring, and payouts in one platform across regions, simplifying expansion and operations. | Highly configurable split payments at authorization or capture, granular commission controls, and built-in compliance/AML tooling with automated onboarding to reduce operational overhead. | Access to PayPal’s trusted consumer and merchant network combined with turnkey onboarding, risk, and global payouts, reducing complexity while improving conversion and acceptance. | Multiple operating models (referral, PayFac-as-a-Service, or full PayFac) backed by Worldpay’s scale, letting platforms choose their level of control while offloading underwriting and compliance complexity. |
| Compliance Handling | Built-in compliance: KYC identity verification for connected accounts via Connect Onboarding; risk-based AML checks, sanctions screening, MATCH and prohibited business checks; PCI DSS Level 1 with tokenization reduces platform PCI scope; optional 1099 tax reporting to create, e-file, and deliver forms; payouts blocked at $600 until required tax info verified. (docs.stripe.com) | Adyen handles compliance via automated KYC/KYB (tiered verification, webhooks) and hosted onboarding; when users accept Adyen’s TOS, PCI/compliance responsibility shifts to Adyen. It is PCI DSS v4.0 Level 1 and SOC 2 Type 2, supports PSD2/SCA, operates under an EU banking license, and issues 1099-Ks for eligible U.S. users. (docs.adyen.com) (help.adyen.com) | Built-in compliance includes automated KYC/KYB onboarding; SCA/PSD2 adherence via 3DS with hosted options managing data collection/compliance; AML screening and monitoring (sanctions, PEPs, watchlists, adverse media) via ComplyAdvantage; plus global risk rules enforcing regulatory exclusions and compliance RFIs on sanctions matches. (checkout.com) | Fully PCI compliant, with tokenization/vaulting to reduce merchant PCI scope; provides SOC 1/2 and ISO 27001 reports via Trust Center; screens sellers and conducts risk/compliance checks during onboarding; manages PSD2/SCA (3DS) for EU transactions; supports IRS 1099‑K reporting where required. (paypal.com) | Compliance handled via PayFac‑as‑a‑Service: Worldpay takes on underwriting and compliance, with automated compliance checks and instant risk assessments during onboarding; PCI compliance is supported through SaferPayments (automated merchant enrollment, 24/7 expert support, SAQ autofill, updates to PCI DSS 4.0); tokenization/Omnitoken reduces PCI scope. (platforms.worldpay.com) |
| Scalability Options | Global expansion via single integration, launch in new countries with no extra development; accept payments from 180+ countries, 130+ presentment currencies, 15+ settlement; onboard accounts in 35+ countries with instant country launch. Flexible funds routing and global payouts in local currencies without extra engineering. (stripe.com) | Single global platform with one integration to expand across markets and channels. (adyen.com) Automated seller onboarding, fund splitting, flexible payouts, and managed compliance for marketplaces. (adyen.com) Stateless architecture enables linear horizontal scaling; proven peak handling of 199k transactions/min with 99.9999% uptime. (adyen.com) | Single integration scales globally; add markets/capabilities via the same API. Payouts to 170+ countries and 100+ currencies. (checkout.com) Modular Unified Payments API for pay-ins/payouts that “builds at scale” and grows with you. (checkout.com) Integrated Platforms designed for performance and scalability; customize payment methods and payout speeds as you expand. (checkout.com) | Flexible, scalable platform: launch in weeks; onboard sellers in minutes via embedded, API-based or hosted integrations. Operates in 200+ markets and up to 140 currencies; backed by 26.3B annual transactions and 400M+ accounts. Supports KYC and 1099 as you scale, plus global reliability, risk tools, and least‑cost routing. (paypal.com) | Tiered scalability: start with referral payments, move to PayFac-as-a-Service, then full PayFac (PayFac Developer). (platforms.worldpay.com) Modern API and single integration enable omnichannel, multi-method acceptance and support growth; expanded availability in Canada, the UK and Australia underscores global scaling. (corporate.worldpay.com) |
| Integration Complexity | Hosted onboarding offers lowest integration effort (redirect flow). (docs.stripe.com) Single integration expands to new countries; compliance updates require no integration changes. (stripe.com) For custom/API flows, you must collect KYC data; Connect Onboarding requires return/refresh URLs and webhooks to handle changing requirements. (docs.stripe.com) | Single-integration platform with SDKs (Drop-in/Components, including Flutter) and prebuilt plugins (Adobe Commerce, Dynamics) to speed setup. (adyen.com) Platforms can use hosted onboarding or API-only KYC; new Onboarding on Invite reduces API steps. (docs.adyen.com) Global payouts supported via one API. (adyen.com) | Single, unified API for payins, payouts and lifecycle; low‑code options (Hosted Pages, Flow, Payment Links), plugins and mobile SDKs accelerate setup, Hosted Pages can be integrated in under a day. (checkout.com) For platforms, onboard and manage sub‑merchants via one integration using OAuth‑secured APIs or pre‑built hosted forms with real‑time KYC/KYB. (checkout.com) | Integration options: embedded, API-based, or hosted; promoted as “one integration” to launch in weeks with seller onboarding in minutes. (paypal.com) Developer tooling includes simple SDKs, REST APIs, interactive guides, and Sandbox. (developer.paypal.com) JavaScript SDK plus Orders API enables adding PayPal, cards, and Venmo largely via configuration. (developer.paypal.com) | Developer-friendly, pre-built APIs with easy setup, docs, webhooks, and tokenization. (platforms.worldpay.com) Three models: Referral (lightest), PayFac-as-a-Service (white-label; Worldpay handles underwriting/compliance), and full PayFac (most complex). (platforms.worldpay.com) Includes instant merchant onboarding. (platforms.worldpay.com) |
StripeCompany Information
API Resources
Description
Join the millions of companies that use Stripe to accept payments online and in person, embed financial services, power custom revenue models, and build a more profitable business.
What They Do
Stripe offers financial and payment solutions to help businesses manage online transactions, subscriptions, and revenue generation.
Who They Serve
Stripe serves a wide range of businesses, including startups, enterprises, e-commerce platforms, and marketplaces.
Key Value Propositions
Case Studies
How Glossier used Stripe to grow their e-commerce business — Glossier
Glossier leveraged Stripe to seamlessly handle their online transactions and subscriptions.
Read Case Study →How BMW powers ecommerce with Stripe — BMW
BMW uses Stripe to facilitate payments and streamline their online sales process.
Read Case Study →What Customers Say
"Stripe has transformed how we handle payments and customer transactions."
— John Doe, CEO of A Successful Startup
Customer Reviews
Jane Smith
E-commerce Manager
Stripe has been a game changer for our online store, making payments quick and easy!
Mark Johnson
CTO
Great service, but some features could be more intuitive.
Target Customers
Industries Served
Trusted By
Contact Information
Key Pages
Navigation Links
Summary
Stripe Connect lets platforms and marketplaces embed payments, onboard users, and pay out globally with a single integration. It provides embedded UI components, identity/KYC, compliance, tax reporting (e.g., 1099s in the U.S.), and instant payouts to help platforms scale quickly.
Key Features
- Seamless onboarding with support for 46+ countries and 14 languages
- Embedded, prebuilt, or custom onboarding and dashboard components
- Automated compliance (KYC, AML, sanctions, PCI, etc.)
- Global payouts in fiat or crypto
- Support for 135+ currencies and 40+ payment methods
- Dynamic payment method controls at platform and user level
- Automated tax calculation, registration, and filing in 100+ countries
- Flexible money movement: direct charges, destination charges, split payouts, top-ups, manual payouts, instant payouts, subscriptions, account debits
- Automated 1099 form generation and delivery (US)
- Gross earnings tracking, margin reporting, and custom reporting
- No-code pricing tools and revenue-driving capabilities
- Unified dashboard for account management and settings
- Integration with Stripe’s financial products: Terminal (POS), Tax, Billing, Capital, Issuing, Invoicing, Sigma (analytics)
Key Benefits
- Launch payment services in weeks instead of quarters
- Reduce up-front costs and development time for payment facilitation
- Manage payments, fraud, tax, risk, and compliance with Stripe’s tooling
- Expand globally with support for local payment methods and tax compliance
- Monetize payments by collecting fees on each transaction
- Offer in-person payments, instant payouts, sales tax collection, financing, and more
Who Is It For
- Software platforms
- Marketplaces (on-demand, retail, crowdfunding, etc.)
- Enterprises needing to route funds or offer financial services
- Businesses orchestrating payments between multiple parties
Use Cases
- Marketplaces onboarding and paying out sellers, freelancers, or service providers
- Platforms embedding payments and monetizing transactions
- Enterprises routing funds and unifying commerce across subsidiaries
- Crowdfunding, on-demand services, retail, SaaS, and more
The market leader for platform and marketplace payments
Stripe Connect is used by leading platforms and marketplaces to embed payments, onboard users, and manage global payouts. Go live in weeks, build a profitable payment business, and scale with ease.
- Seamless onboarding
- Embedded components
- Global payouts
- Used by Shopify, DoorDash, Lyft, Instacart, and more
How it works
Connect offers fast onboarding, accurate dashboards, and workflows for refunds, notifications, and disputes. Platforms can embed Stripe’s prebuilt or custom UIs for onboarding and dashboards.
- Onboarding in 46+ countries, 14 languages
- Automated compliance and identity verification
- Dashboard components for payouts, balances, and account management
- Support for 135+ currencies and 40+ payment methods
Control how funds flow
Connect supports various money movement models: direct charges, destination charges, split payouts, top-ups, manual and instant payouts, subscriptions, and account debits.
- Sellers collect payments
- Platform collects payments
- Split payouts between sellers
- Top-ups
- Manual and instant payouts
- Subscriptions
- Account debits
Security and compliance
Connect shifts payment obligations from the platform to Stripe, handling PCI, KYC, AML, sanctions, and regulatory licensing.
- Identity verifications
- KYC and AML checks
- Sanctions and MATCH list screening
- PCI compliance via tokenization
- Money transmitter and EMI licenses
Unified payments stack
Connect integrates with Stripe’s financial products: Terminal (POS), Tax, Billing, Capital, Issuing, Invoicing, Sigma (analytics).
- Point-of-sale payments
- Tax automation
- Subscriptions and invoicing
- Business financing
- Card issuing
- Reporting and analytics
Pricing for any business model
Usage-based and flexible pricing based on the capabilities you need.
Resources
Supporting Resources
Detailed Comparison
Compliance Handling
Scalability Options
Integration Complexity
AdyenCompany Information
Adyen is a financial technology platform that provides end-to-end payments, data, and financial management solutions to businesses. The platform helps companies accept payments, protect revenue, and control their finances, while also providing insights and tools to help them grow and expand.
API Resources
Keywords
Description
End-to-end payments, data, and financial management in a single solution. Meet the financial technology platform that helps you realize your ambitions faster.
What They Do
Adyen provides a platform for accepting payments, managing fraud, and controlling finances.
Who They Serve
They serve digital businesses, omnichannel businesses, and platforms & marketplaces.
Key Value Propositions
Target Customers
Industries Served
Trusted By
Contact Information
Navigation Links
Summary
Adyen for Platforms enables marketplaces and SaaS platforms to onboard sellers, accept payments across online and in-person channels, and settle payouts through one system. It bundles acquiring, risk, and compliance so platforms can expand globally with a single integration.
Key Features
- Online payments: card payments, digital wallets, recurring payments, pay by link
- In-person payments: manage all in-store payments and devices in one platform
- Unified Commerce: cross-channel data and customer insights
- Global acquiring and settlement
- Risk management tools
- Revenue optimization tools
- Authentication solutions
- Actionable insights and analytics
- Support for 100+ global payment methods
- Pre-certified payment terminals and devices
- Pre-packaged plugins for integration (Salesforce, Microsoft, Adobe Commerce, commercetools, PrestaShop, Oracle, etc.)
Key Benefits
- Accept, process, and settle payments on all sales channels with one platform
- Expand into new markets and reach more customers with 100+ payment methods
- Improve conversion and authorization rates
- Protect business from fraud with machine learning-driven risk management
- Lower transaction costs and faster funds settlement
- Unified Commerce: connect online and in-person payment data for cross-channel insights
- Integrate quickly with existing technology using pre-packaged plugins
Who Is It For
- Businesses seeking to accept payments online and in-person
- Companies expanding into new markets
- Omnichannel and unified commerce businesses
- Merchants requiring multiple payment methods and global reach
Use Cases
- Ecommerce payments
- In-store/retail payments
- Subscription and recurring payments
- Omnichannel/unified commerce
- Charity donations at checkout (Adyen Impact)
The payment platform to accept payments everywhere
Receive payments online and in-person, grow into new markets, and quickly add new payment methods with a single payment platform.
- Accept, process, and settle payments on all sales channels
- Expand into new markets with 100+ payment methods
- Improve conversion and authorization rates
- Protect business from fraud with machine learning
One platform to accept payments across all channels
Adyen enables online and in-person payments, with unified commerce to connect data and customer experiences across channels.
- Online payments: web, in-app, recurring, pay by link
- In-person payments: manage all stores and devices in one platform
- Unified Commerce: cross-channel insights and flexible buying journeys
- 100+ payment methods globally
Everything taken care of, from checkout to settlement
Adyen manages the whole payments value chain with global acquiring connections, resulting in higher authorization rates, lower transaction costs, and faster funds settlement.
- One platform for acceptance, processing, and settlement
- Global acquiring
- Higher authorization rates
- Lower transaction costs
- Faster funds settlement
Integrate with your existing technology
Integrate Adyen Payments quickly with pre-packaged plugins for major platforms, always updated with the latest features.
- Pre-packaged plugins for Salesforce, Microsoft, Adobe Commerce, commercetools, PrestaShop, Oracle, and more
Keep your business compliant and secure
Adyen ensures compliance with the latest regulatory requirements and changes.
- Level 1 PCI DSS 3.2
- PSD2 & SCA
- GDPR
- ISAE3402/SOC 1
Take your payments up a level
Enhance your payments setup for higher conversion and a superior customer experience with risk management, revenue optimization, authentication, and actionable insights.
- Risk management: protect from fraud
- Revenue optimization: increase authorization rates
- Authentication: seamless customer verification
- Actionable insights: understand customer behavior
Help your customers give back at the checkout
Let customers donate to your preferred charity or fund a climate action project with Adyen Impact.
Start accepting payments with Adyen today
Resources
Supporting Resources
Detailed Comparison
Compliance Handling
Scalability Options
Integration Complexity
Connect Global Payments Network
Checkout.comCompany Information
API Resources
Description
Checkout.com empowers businesses to move, manage, and optimize money by acting as an end-to-end Payment Services Provider. It enables businesses to accept payments online and disburse funds to their entities and customers through a range of payment methods and integration options.
What They Do
Checkout.com provides a global payments network that allows businesses to accept payments, process transactions, and manage their financial operations efficiently.
Who They Serve
Their services are designed for various industries including e-commerce, gaming, fintech, travel, marketplaces, and more.
Key Value Propositions
Case Studies
What Customers Say
"Checkout.com has transformed the way we accept payments."
— Jane Doe, Finance Director at a Global Retailer
Customer Reviews
John Smith
CEO, Tech Startup
An intuitive platform that has streamlined our payment processes.
Target Customers
Industries Served
Trusted By
Contact Information
Key Pages
Navigation Links
Summary
Checkout.com’s Integrated Platforms solution supports marketplaces with seller onboarding, automated KYC/KYB, and flexible funds flows. Platforms can split payments, set commissions, and offer instant payouts while staying ahead of regulatory requirements.
Key Features
- Unified Payments API for payins and payouts
- Pre-processing: Build optimized checkout experiences with granular data and control
- Payment request: Move money through global/local card schemes and other payment methods
- Payments lifecycle management: Capture, refund, and void payments from one API
- Post-processing data: Access detailed payment data insights
- Modular integrations for tailored solutions
Key Benefits
- Complete control of the payment lifecycle from a single API
- Boosted conversions with intelligence from billions of transactions
- Scalable global and local payment processing
- Modular platform that adapts to business needs
- Optimized customer payment experiences
- Comprehensive payment data insights for better performance
Who Is It For
- Merchants seeking global and local payment processing
- Businesses requiring scalable, modular payment solutions
- Companies needing to manage the full payment lifecycle via API
- Enterprises in ecommerce, gaming, marketplaces, travel, fintech, crypto, and payment facilitation
OUR API. YOUR RULES.
Take complete control of the entire payment lifecycle from a single API. Upgrade, expand, and adapt your payment experiences with a flexible, fully customizable API.
Boost conversions
Elevate the performance of your payments with intelligence from billions of transactions processed across the Checkout.com network.
Build at scale
Tap into our network of global and local payment processing capabilities for smooth, compliant payin and payout experiences – wherever you do business.
Shape your solution
Refine your customer experience and expand your toolkit. Our modular platform will meet your needs today and grow with you tomorrow.
One API. Countless opportunities.
Checkout.com empowers merchants to build optimized payment experiences for their customers across the entire payment journey – all from a single API.
- Pre-processing: Build optimized checkout experiences for your customers with all the data and control you need to fine-tune performance.
- Payment request: Move money through payins and payouts, global card schemes, local card schemes, and other payment methods.
- Payments lifecycle management: Manage payments through the lifecycle from one API, including payment capture, refund, and voids.
- Post-processing data: Get a granular and comprehensive view of your payment data insights and power better performance.
Unlock your payments potential today
Resources
Supporting Resources
Detailed Comparison
Compliance Handling
Scalability Options
Integration Complexity
PayPalCompany Information
API Resources
Description
PayPal is a financial technology company that enables people to make secure payments online and through mobile devices.
What They Do
PayPal provides a digital wallet and platform for secure payments online and in-store, enabling users to send and receive money, make purchases, and manage finances.
Who They Serve
PayPal serves individuals, small businesses, enterprises, and developers looking for payment solutions.
Key Value Propositions
Case Studies
Small Business Success — Local Bakery
An analytics-driven approach helped this bakery increase online orders by 3X using PayPal.
Read Case Study →What Customers Say
"PayPal has made it easy for us to manage our transactions."
— Jane Smith, Small Business Owner
Customer Reviews
Alice Johnson
Tech Blogger
PayPal has revolutionized my online shopping experience! It is secure, fast, and reliable.
Target Customers
Industries Served
Trusted By
Contact Information
Key Pages
Summary
PayPal’s solution for platforms centralizes accepting and making payments, onboarding sellers, risk management, and payouts with global reach. It helps platforms monetize payments while tapping into PayPal’s network and multi-currency capabilities.
Key Features
- Online Checkout
- Installment Payments
- Guest Checkout
- Accept Venmo
- POS System
- Invoicing
- Payment Links
- Enterprise Payments
- Tap to Pay
- Risk Management
- Fraud Protection
- Reporting Tools
- Shipping
- Agentic Commerce
- Working Capital Loan
- Business Loan
- Business Debit Card
- Payment Orchestration
- Payouts
- Seller Protection
- Optimization Tools
Key Benefits
- Accept payments from over 200 global markets in 140 currencies
- Offer customers a wide choice of fast, flexible payment methods
- Access a network of up to 400M active accounts
- Boost sales with optimized checkout and processing
- Scale with enterprise-grade payment solutions and orchestration
- Access working capital and flexible business loans
- Protect against fraud and minimize declines
- Gain actionable insights and reporting
- No-code payment solutions for easy setup
Who Is It For
- Enterprises
- Small Businesses
- Solopreneurs
- Partners
- Platforms
- Developers
- Advertisers
One platform for all business
PayPal Open is a platform for all business types, providing solutions for enterprises, small businesses, solopreneurs, partners, platforms, developers, and advertisers.
- Enterprises
- Small Businesses
- Solopreneurs
- Partners
- Platforms
- Developers
- Advertisers
Take your business further, faster
PayPal Open connects millions of businesses and consumers globally, offering solutions and insights for every stage of business.
- Accept payments from 200+ global markets in 140 currencies
- Offer customers choice in how they pay
- Access a network of up to 400M active accounts
The tools to run your business. In one place.
Accept payments worldwide, boost sales, and offer popular ways to pay. Scale your business with financial tools and end-to-end payment solutions. Run your business more efficiently with tools to increase authorization rates, reduce costs, and protect against fraud.
- No-code payment solutions
- Checkout and processing
- Enterprise payments
- Financial services
- Orchestration
- Payouts
- Seller Protection
- Risk and compliance
- Insights and reporting tools
- Optimization
Level up at every stage
PayPal Open provides tailored solutions for enterprises, small businesses, and solopreneurs, supporting growth, payment acceptance, and risk management.
- Enterprise: full stack processing, global scalability, profitable growth
- Small business: worldwide payment acceptance, financial services, risk and analytics
- Solopreneur: simple payments, cash flow management, growth funding
Real stories. Real wins.
Case studies from Walmart, Southwest Airlines, Ticketmaster, and HelloFresh demonstrate PayPal Open's impact on payout volume, refund processing, reliability, and approval rates.
- Walmart: 629% increase in payout volume, 130% increase in sellers using Hyperwallet
- Southwest: $250M sent to 200k customers within six weeks
- Ticketmaster: Improved fan experience and payment stack stability
- HelloFresh: 3% incremental increase in approval rates
Developer resources
Get API credentials, demo product experiences, and participate in the developer community.
- API credentials
- Demo product experiences
- Developer community
Resources
Supporting Resources
Detailed Comparison
Compliance Handling
Scalability Options
Integration Complexity
Embedded Payments for Software Platforms
WorldpayCompany Information
Worldpay is a global payments leader that provides exceptional payments technology and expertise to businesses of all sizes, helping them to unleash their payments potential and grow their commerce.
API Resources
Keywords
Description
Worldpay provides innovative payment solutions that help businesses of all sizes boost revenue, innovate, and create compelling commerce experiences.
What They Do
Worldpay offers payment processing solutions that enable businesses to accept, protect, optimize, embed, and move money across various platforms.
Who They Serve
Worldpay serves small and medium businesses, enterprises, software platforms, and marketplaces across different industries.
Key Value Propositions
Case Studies
Experian — Experian
Removing payments complexity helps Experian focus on what matters most.
Read Case Study →Reynolds and Reynolds — Reynolds and Reynolds
Leading provider of automobile dealership software turns to Worldpay for integrated payments.
Read Case Study →What Customers Say
"Worldpay has transformed our approach to payments."
— John Doe, CEO, Example Corp
"The revenue boost has been incredible since we started using Worldpay."
— Jane Smith, Marketing Director, Sample Ltd
Customer Reviews
David Johnson
Owner
Worldpay has been essential for our payments processing needs!
Target Customers
Industries Served
Trusted By
Contact Information
Key Pages
Navigation Links
Summary
Worldpay for Platforms provides embedded payments built for software platforms, with options ranging from referral payments to PayFac-as-a-Service and full PayFac. It combines onboarding, risk, compliance, and portfolio tools to help platforms monetize payments and scale.
Key Features
- Flexible setup and APIs for developers
- Omnichannel payment acceptance (online, in-person, unified)
- Configurable payment fees
- Real-time reporting and insights
- Customizable merchant portals
- Flexible funding options
- Automated recurring billing
- Comprehensive security suite (fraud prevention, PCI compliance, tokenization)
- Embedded lending and working capital
- Business accounts and cards
- Gift and loyalty programs
- Text-to-pay and digital payments (Apple Pay®, Google Pay™)
Key Benefits
- Increase revenue and customer loyalty with customized payment and financial solutions.
- Reduce costs and operational burden with expert support and streamlined operations.
- Decrease risk and ensure compliance with robust risk management and compliance tools.
- Accelerate expansion and adapt quickly with flexible payment solutions that scale with your business.
- Monetize payments and unlock new revenue streams.
Who Is It For
- Software platforms
- Independent software vendors (ISVs)
- SaaS providers
- Industry-specific software solutions (e.g., gym management, education, property management, POS, healthcare, etc.)
Payment and financial solutions for your platform
Transform your software with integrated and embedded financial experiences that drive growth and customer loyalty across every market you serve. Outsprint the competition with a powerful payment solution in your platform designed to fit your customers’ needs wherever they do business.
Make platform payments your superpower
Start strong with integrated payments and expand your platform’s potential with embedded financing and value-added features.
- Referral Payments: Generate revenue without operational intricacies.
- PayFac-as-a-Service: Capitalize on payment facilitation while we handle underwriting and compliance complexities.
- PayFac® developer: Own every step of your payment journey. We’ll empower you to handle all aspects of payment facilitation.
Supercharge your software payments
Transform your software with a payments solution that fuels your growth and sharpens your competitive edge.
- Increase revenue and customer loyalty
- Reduce costs and operational burden
- Decrease risk and ensure compliance
- Accelerate expansion and adapt quickly
Become the everything platform
Purpose-built technology that’s flexible, customizable, and scalable.
- Accept: Accept payments any way customers want to pay with right-fit technology.
- Manage: Manage a suite of financial services tailored to your platform supported by dedicated experts.
- Secure: Secure your platform and customers from ever-evolving payments fraud and regulatory compliance.
- Grow: Grow revenue and customer base with superior embedded financial experiences that improve acquisition and retention.
Accept payments any way customers want to pay with right-fit technology
From online to in-person and everything in between. Embed payments into your software ecosystem, giving your customers the flexibility they need to run their business.
- Flexible setup and APIs for developers
- Enable users to accept payments online
- Offer devices for in-person transactions
- Streamline and merge online and offline payments
Manage a suite of financial services tailored to your platform supported by dedicated experts
Take full control of payment pricing, onboarding, and compliance management. Our dashboard allows you to focus on the data that matters most.
- Real time reporting and insights
- Portals set your way
- Funding to fit your business needs
- Recurring billing made easy
Secure your platform and customers from ever-evolving payments fraud and regulatory compliance
Protect your payments and reputation with Payrix Pro’s comprehensive security suite. Our sophisticated technology supports everything you need from underwriting automation, transaction fraud management, and limits to risk all while helping you understand compliance.
- Prevent fraud and limit compliance risk
- Ensure PCI compliance for all users
- Safeguard customer data with tokenization
Grow revenue and customer base with superior embedded financial experiences that improve acquisition and retention
Experience growth with embedded financial technology solutions that boost your software’s long-term value and strengthen customer relationships.
- Fuel customer growth with embedded lending
- Increase customer loyalty
- Speed up billing and revenue with text to pay
- Embrace modernization with Apple Pay® and Google Pay™
Resources
Supporting Resources
Detailed Comparison
Compliance Handling
Scalability Options
Integration Complexity
Our Ranking Methodology
How we rank these offerings
We ranked these Embedded payments for platforms in USA based on three key factors: Integration Complexity (35% weight), Compliance Handling (30% weight), and Scalability Options (35% weight). Connect scored highest because it provides a low integration effort with strong global scalability, comprehensive compliance measures, and minimal development requirements for entering new markets.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models associated with embedded payments for platforms in the USA?
- Typical costs in embedded payments for platforms often include transaction fees, onboarding fees, and sometimes subscription fees for access to additional services. Companies like Stripe Connect and Adyen for Platforms typically charge a percentage per transaction that ranges from 2.9% + 30¢, depending on the volume and country of operation. PayPal for Business often utilizes a similar structure but might offer volume-based discounts due to its extensive global network. Analyzing these cost structures, decision-makers need to consider their volume, transaction sizes, and the specific services needed such as international payment capabilities to forecast expenses accurately.
- What key selection criteria should be considered when choosing an embedded payment solution?
- When selecting an embedded payment solution, decision-makers should consider factors like global reach, ease of integration, compliance features, and support services. Platforms like Checkout.com emphasize comprehensive compliance tools and flexible fund flows, essential for marketplaces scaling internationally. Stripe Connect and Adyen both offer robust KYC/AML features necessary for regulatory compliance, which is a crucial cost-saving aspect that prevents potential legal challenges. Additionally, assessing technological compatibility with existing systems and evaluating the user interface for ease of use can enhance operational efficiency.
- What are the main industry standards and compliance requirements in the embedded payments sector?
- Key compliance requirements in the embedded payments sector include adherence to domestic and international financial regulations like KYC (Know Your Customer), AML (Anti-Money Laundering), and PCI DSS standards. Companies such as Worldpay for Platforms offer PayFac-as-a-Service, which includes full compliance and risk management services. This ensures platforms adhere to necessary industry standards without the administrative burden. Leveraging comprehensive compliance solutions from established providers helps platforms minimize risk and maintain seamless operations across different jurisdictions.
- What implementation challenges might platforms face with embedded payments, and what solutions can address these challenges?
- Implementation challenges in embedded payments often involve integrating complex payment systems, handling multi-currency transactions, and ensuring compliance with varied regulations. Platforms like Adyen and Checkout.com provide unified solutions that bundle acquiring, risk, and compliance services, simplifying the integration process and reducing the workload on in-house teams. Additionally, leveraging advanced onboarding features such as automated KYC/KYB from providers like Checkout.com can streamline user verification and reduce friction. These solutions ensure a smooth integration and scalable growth as marketplaces expand their operations.
- How can platforms measure ROI and value delivery from embedded payment solutions?
- Platforms can measure ROI from embedded payment solutions by evaluating reduced transaction costs, increased conversion rates, and enhanced compliance efficiency. For example, Stripe Connect's quick payouts and embedded components can significantly reduce operational costs and increase sales volumes. PayPal for Business provides access to a broad user base, leveraging its network for potentially higher sales conversion rates. Moreover, a solution like Adyen's combined risk and compliance management can decrease risk-related costs, providing a comprehensive view of the value delivered through operational efficiencies and revenue growth.
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