---
title: "17 best embedded payments platforms and providers [2026]"
slug: embedded-payments-platforms
excerpt: "Compare the best embedded payments providers for platforms, marketplaces, and SaaS in 2026."
customExcerpt: "Compare the best embedded payments providers for platforms, marketplaces, and SaaS in 2026."
metaTitle: "17 best embedded payments platforms and providers [2026]"
metaDescription: "Compare the best embedded payments providers for platforms, marketplaces, and SaaS in 2026, on licensing, monetization, coverage, and pricing."
featureImage: "https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/blog-embeddedpayments.png"
status: published
publishedAt: "2026-09-21T05:06:21.000Z"
updatedAt: "2026-09-21T07:30:59.000Z"
createdAt: "2026-09-16T12:54:29.314Z"
tags:
  - { name: Payments, slug: payments }
  - { name: "#Embedded", slug: hash-embedded }
authors:
  - { name: Keisha Singleton, slug: keisha }
  - { name: Colin McDermott, slug: colin }
---

# 17 best embedded payments platforms and providers [2026]

## Key takeaways

- Using an embedded payments provider lets you skip payment facilitator registration, underwriting, and compliance entirely.
- PayFac-as-a-Service, full PayFac, and merchant of record differ mainly in who owns liability, control, and chargebacks.
- Judge providers on pricing transparency, coverage, monetization, onboarding speed, payouts, and developer experience.

83% of B2B platforms offer embedded payments, and 40% of SMBs want it in theirs, per PYMNTS, Adyen and BCG's research.

You've landed on this guide because you want the same thing.

Embedding payments yourself is hard – it means becoming a registered payment facilitator, and that's just not realistic for most platforms. An embedded payments provider skips that part, handling the registration, underwriting, and compliance so you don't have to. 

Go this route and embedded payments become easy. 

Choosing a provider becomes the hard part. Which is why we've rounded up the 17 best embedded payments solutions for platforms, marketplaces, and SaaS.

## PayFac-as-a-Service vs full PayFac vs Merchant of Record

Most embedded payments providers operate somewhere on a spectrum running from PayFac-as-a-Service at one end to full PayFac at the other. Others operate as a merchant of record.  

It's worth understanding the differences before comparing specific providers, since it explains why pricing, control, and liability vary so much across the list.

[**PayFac-as-a-Service**](https://whop.com/blog/what-is-a-payfac/) **(PFaaS)** means a provider handles registration, underwriting, KYC/AML, and compliance on your behalf. Your job is to build the onboarding UX and own the platform relationship. The provider carries the regulatory and card-network registration underneath it. Fiska, Stax, Rainforest, Xplor Pay, Worldpay for Platforms, Payabli, and Tilled are built specifically around this model.

**Full PayFac (self-build)** means your product registers directly with the card networks and is the merchant of record for any sub-merchants, typically running on infrastructure from a provider rather than building processing infrastructure from scratch. You own underwriting, compliance, and the sponsor bank relationship yourself. Infinicept's Launchpay bridges into this model directly; Stripe Connect and Adyen for Platforms can also be configured toward this end of the spectrum.

**Merchant of Record (MoR)** goes further than either model above. Instead of your product (or its sub-merchants) remaining the legal seller, the MoR becomes the seller of record for every transaction. Your job is to build the product and set pricing and monetization on top. The MoR carries tax, compliance, chargebacks, and liability underneath it. Whop and Paddle are both built around this model.

> 💡 The global embedded payments market was valued at **$24.7 billion in 2024**, and is projected to grow at a **30.3% CAGR through 2034:** Global Market Insights, 2025.

### What does this liability mean in practice?

Whoever is the merchant of record owns what happens when something goes wrong. Under PFaaS, you're still the merchant – the provider carries underwriting risk, but compliance and tax exposure can still trace back to you. 

Under a full PayFac, all of that is yours outright. Under an MoR, it isn't yours at all.

<table>
<thead>
<tr>
<th></th>
<th>PayFac-as-a-Service</th>
<th>Full PayFac</th>
<th>Merchant of Record</th>
</tr>
</thead>
<tbody>
<tr>
<td>Who's registered</td>
<td>The provider</td>
<td>You</td>
<td>The MoR</td>
</tr>
<tr>
<td>Who's the legal seller</td>
<td>Your sub-merchants</td>
<td>Your sub-merchants</td>
<td>The MoR</td>
</tr>
<tr>
<td>Who eats chargebacks</td>
<td>Split: the provider carries underwriting risk, but you own the merchant relationship and contract, which is where residual exposure (pricing disputes, tax on your own platform fee) comes from</td>
<td>You, outright</td>
<td>The MoR</td>
</tr>
</tbody>
</table>

> **Looking for integrated payments instead?** If you just want a processor connected to your product with no revenue share or white-labeling, you want an integrated payment gateway, not an embedded payments provider. This piece covers the latter: see [integrated vs. embedded payments](https://whop.com/blog/integrated-vs-embedded-payments/) for that difference in full.

## How to evaluate the following embedded payment providers and platforms

There are 17 different embedded payments providers and platforms on this list, and eight key differences separate one provider from another.

Here's what to look at when evaluating the list.

1. **Pricing model:** interchange-plus or blended rate, platform fees, per-sub-merchant fees, and any minimums. Two providers can look the same on a sales call but show up *very differently* on your bill.
1. **Geographic & payment-method coverage:** ensure that you're considering geographic and payment-method coverage for not just where you are right now, but where you hope to be next year.
1. **Monetization:** does the provider let you earn on the payments flowing through your product – by revenue share, a markup you set yourself on a fixed buy rate, or full PayFac economics if you own the registration yourself? Under a merchant-of-record model, this usually means building your own monetization logic on top of the MoR's fee (a markup, a subscription, a custom split) rather than sharing in a provider-published percentage, so check what the specific provider supports.
1. **Seller onboarding and KYC speed:** speed is crucial here. Offering sign-up to first payout within hours means that you need strong, automated underwriting. If instead applications are manually reviewed, that pushes payout time to days or even weeks.
1. [**Payout support**](https://whop.com/blog/embedded-payouts-guide/)**:** plenty of providers handle pay-ins *beautifully* and expect you to find a second vendor for payouts. If you need both in one place, confirm that upfront. For marketplaces splitting a transaction between multiple parties, confirm split/multi-party settlement is supported too.
1. **Risk and chargeback ownership:** this maps straight back to the PFaaS/full PayFac/MoR split above. Check who is liable, and ensure that it's covered in your contract.
1. **Time to launch:** do you want your embedded payments to be ready in days, weeks, or months? Check whether the provider publishes an integration timeline, or only offers a 'book a call' path with no stated timeframe. A published timeline is something you can hold them to; a sales-gated one usually isn't.
1. **Developer experience:** check for a sandbox so you can safely test the environment for real transactions and failure cases before you go live, real SDKs in your team's language rather than a bare API you have to wrap yourself, and whether checkout is hosted (the provider's own pre-built page) or embedded (built into your product, under your own brand).

With that in mind, let's get to the list of embedded payment providers.

## Embedded payment providers compared

Don't have time to read through the full entries?

We've got you covered with an overview, split into two tables to keep it scannable: the first covers coverage and model, so you can quickly narrow down to providers that fit your region and structure; the second covers pricing and launch time, so you can filter further by cost transparency and speed once you've got a shortlist.

### Coverage, model, and core offering

<table>
<thead>
<tr>
<th>Provider</th>
<th>Region</th>
<th>Model</th>
<th>Core offering</th>
<th>Best for</th>
</tr>
</thead>
<tbody>
<tr>
<td>Whop</td>
<td>195 countries</td>
<td>MoR</td>
<td>End-to-end platform, embedded payment acceptance</td>
<td>Platforms/marketplaces wanting payments live fast, no infrastructure</td>
</tr>
<tr>
<td>Stripe Connect</td>
<td>195+ countries (accept); businesses operate from 46 countries</td>
<td>Spectrum: PFaaS-like to full self-build</td>
<td>Configurable connected-accounts infrastructure</td>
<td>Platforms/marketplaces, esp. horizontal SaaS</td>
</tr>
<tr>
<td>Adyen for Platforms</td>
<td>33+ countries (onboarding)</td>
<td>Full PayFac end of spectrum</td>
<td>White-labeled omnichannel payment acceptance</td>
<td>Enterprise platforms/marketplaces</td>
</tr>
<tr>
<td>Finix</td>
<td>US/Canada (merchants)</td>
<td>Dual: PFaaS or full self-build</td>
<td>Configurable PFaaS/PayFac infrastructure</td>
<td>US/Canada platforms wanting fee-level configurability</td>
</tr>
<tr>
<td>Fiska</td>
<td>US/Canada</td>
<td>PFaaS</td>
<td>White-labeled SaaS-specific embedded payments</td>
<td>Small-to-medium SaaS wanting true revenue share</td>
</tr>
<tr>
<td>Stax</td>
<td>US/Canada</td>
<td>PFaaS</td>
<td>White-label embedded payments for SaaS/ISVs</td>
<td>Vertical SaaS wanting hands-on support</td>
</tr>
<tr>
<td>Rainforest</td>
<td>US (Canada rolling out)</td>
<td>PFaaS</td>
<td>Component-based embedded payments</td>
<td>Vertical SaaS wanting customer-relationship ownership</td>
</tr>
<tr>
<td>Xplor Pay</td>
<td>10+ countries (NA, Europe, APAC)</td>
<td>PFaaS (Flex Framework)</td>
<td>Evolving PFaaS, direct acquirer</td>
<td>Vertical SaaS wanting a program that evolves</td>
</tr>
<tr>
<td>Worldpay for Platforms</td>
<td>North America, UK, Australia, NZ</td>
<td>PFaaS</td>
<td>Broad money-movement suite</td>
<td>Vertical SaaS in specific industries</td>
</tr>
<tr>
<td>Usio</td>
<td>Not published</td>
<td>PFaaS</td>
<td>Unified layer over backend gateways, pay-in + disbursement</td>
<td>Vertical SaaS wanting payments + disbursement together</td>
</tr>
<tr>
<td>Global Payments</td>
<td>US, Canada, UK</td>
<td>PFaaS</td>
<td>Embedded Payments Partners program</td>
<td>Platforms wanting enterprise-scale PFaaS</td>
</tr>
<tr>
<td>Airwallex</td>
<td>180+ countries</td>
<td>PFaaS</td>
<td>Multi-currency pay-in/payout/split funds</td>
<td>Global marketplaces with cross-border sellers/buyers</td>
</tr>
<tr>
<td>Payabli</td>
<td>US/Canada</td>
<td>PFaaS</td>
<td>White-labeled acceptance + commercial guidance</td>
<td>Vertical SaaS wanting hands-on GTM support</td>
</tr>
<tr>
<td>Tilled</td>
<td>US/Canada</td>
<td>PFaaS</td>
<td>White-label PFaaS, published pricing</td>
<td>US/Canada companies wanting transparent pricing</td>
</tr>
<tr>
<td>Infinicept (Launchpay)</td>
<td>Not published</td>
<td>PFaaS with full-PayFac bridge</td>
<td>PFaaS with graduation path to full PayFac</td>
<td>Vertical SaaS wanting control without PayFac registration</td>
</tr>
<tr>
<td>Nuvei</td>
<td>200+ countries and territories</td>
<td>PFaaS</td>
<td>White-label onboarding/pay-in/split/payouts</td>
<td>Marketplaces/ISVs wanting white-labeling + multi-PSP flexibility</td>
</tr>
<tr>
<td>Paddle</td>
<td>200+ countries and territories</td>
<td>MoR (per-seller)</td>
<td>Embedded billing: MoR at scale</td>
<td>Platforms wanting users to monetize without building billing/tax</td>
</tr>
</tbody>
</table>

### Pricing, payouts, and time to launch

<table>
<thead>
<tr>
<th>Provider</th>
<th>Payouts</th>
<th>Pricing structure</th>
<th>Pricing published?</th>
<th>Time to launch</th>
</tr>
</thead>
<tbody>
<tr>
<td>Whop</td>
<td>Yes: 200+ countries and territories</td>
<td>Blended: 2.7% + $0.30 domestic</td>
<td>Yes</td>
<td>Not published</td>
</tr>
<tr>
<td>Stripe Connect</td>
<td>Yes</td>
<td>Blended: 2.9% + $0.30</td>
<td>Yes</td>
<td>Not published</td>
</tr>
<tr>
<td>Adyen for Platforms</td>
<td>Yes</td>
<td>Interchange++</td>
<td>Yes</td>
<td>Not published</td>
</tr>
<tr>
<td>Finix</td>
<td>Yes</td>
<td>Blended or interchange-plus, per-merchant</td>
<td>Quote-only</td>
<td>Yes: as little as 1 day</td>
</tr>
<tr>
<td>Fiska</td>
<td>Yes</td>
<td>Revenue-share, no platform fees</td>
<td>Quote-only</td>
<td>Yes: 2 to 6 weeks</td>
</tr>
<tr>
<td>Stax</td>
<td>Yes</td>
<td>Custom, quote-based</td>
<td>Quote-only</td>
<td>Yes: 45 days average</td>
</tr>
<tr>
<td>Rainforest</td>
<td>Yes</td>
<td>Interchange-plus, tiered buy-rate</td>
<td>Tiers</td>
<td>Days, not months (per Rainforest)</td>
</tr>
<tr>
<td>Xplor Pay</td>
<td>Yes</td>
<td>Interchange-plus</td>
<td>Quote-only</td>
<td>Not published</td>
</tr>
<tr>
<td>Worldpay for Platforms</td>
<td>Yes</td>
<td>Custom, quote-based</td>
<td>Quote-only</td>
<td>Not published</td>
</tr>
<tr>
<td>Usio</td>
<td>Yes</td>
<td>Blended unified revenue-share across backend processors</td>
<td>Quote-only</td>
<td>Not published</td>
</tr>
<tr>
<td>Global Payments</td>
<td>Yes</td>
<td>Not published: requires partner agreement</td>
<td>Quote-only</td>
<td>Not published</td>
</tr>
<tr>
<td>Airwallex</td>
<td>Yes: 200+ countries and territories</td>
<td>Flexible, platform-set</td>
<td>Quote-only</td>
<td>Yes: launchable in days (pre-built components)</td>
</tr>
<tr>
<td>Payabli</td>
<td>Yes</td>
<td>Customizable templates by vertical/segment</td>
<td>Quote-only</td>
<td>Not published</td>
</tr>
<tr>
<td>Tilled</td>
<td>Yes</td>
<td>Published tiers: 70%/80% revenue share</td>
<td>Tiers</td>
<td>Not published</td>
</tr>
<tr>
<td>Infinicept (Launchpay)</td>
<td>Yes</td>
<td>No setup/platform fees; flat or interchange-plus</td>
<td>Quote-only</td>
<td>Not published</td>
</tr>
<tr>
<td>Nuvei</td>
<td>Yes</td>
<td>Not published</td>
<td>Quote-only</td>
<td>Not published</td>
</tr>
<tr>
<td>Paddle</td>
<td>Yes: via wire transfer or Payoneer</td>
<td>5% + $0.50 standard rate (per-seller); partner pricing not published</td>
<td>Quote-only</td>
<td>Not published</td>
</tr>
</tbody>
</table>



## Top 17 embedded payment providers and platforms

> **How we ranked and selected these providers**
> To make this list, a provider had to carry payment facilitator registration and underwriting, or operate as a merchant of record, and support white-labeling or embedded checkout.
> 
> As the publisher, Whop appears first; the rest are grouped loosely by model, PFaaS through MoR.
> 
> All information was sourced directly from each provider's own pages and documentation, accurate as of September 2026.

### 1. Whop

**Best for:** platforms and marketplaces that want payments live inside their product fast, without building or managing payment infrastructure themselves.

![Video thumbnail](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/06/embedded-checkout-2_thumb.jpg)
[Watch video](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/06/embedded-checkout-2.mp4)

Whop is an end-to-end platform for building a business, with payment acceptance built in as a core feature. That shows up in coverage: payment acceptance runs across 195 countries, 135+ currencies, and 100+ payment methods, including cards, ACH, digital wallets, and financing options like Klarna and Afterpay.

Whop also supports enrolling connected accounts, collecting payments on their behalf, and paying them out, with embeddable packages for payout, wallet, and KYC components, so onboarding and money movement can live in your product too, not just checkout.

Underneath, server-side SDKs in TypeScript, Python, and Ruby handle the API calls, and a CLI covers product setup without touching a dashboard at all, which matters if speed to launch is a priority. Time to launch isn't officially published, but one Whop-hosted business, Nickel, went from starting integration to taking real payments in about a week.

> *“We went from starting the work to taking real payments in about a week — roughly four times faster than the last payment solution we brought on.”*
> *-* [*Nickel*](https://whop.com/blog/nickel/)

Security and compliance are handled on Whop's side as Whop acts as the MoR. Whop lists PCI-compliant infrastructure and 99.999% uptime as part of its core security posture, with sales tax collection, refunds, chargeback handling, and consumer law compliance managed on your behalf when MoR is enabled. If you don't have a dedicated compliance or fraud team, then you don't have to build that in-house.

Reporting runs through a single dashboard that covers balances, payouts, and disputes.

- **Pricing:** 2.7% + $0.30 blended per domestic card transaction, plus optional add-ons like [orchestration](https://whop.com/blog/payment-orchestration/), automated billing, and fraud/dispute tooling.
- **Payouts:** yes – to 200+ countries and territories via next-day ACH, instant bank transfer/RTP, crypto, Venmo, bank wire, or local international bank transfer.
- **Monetization:** you set your own price for whatever you're selling – that's your markup, on top of Whop's fixed fee. Beyond that, you can earn fees on payouts, interchange, deposits, swaps, transfers, and ads.
- **Who it's for:** platforms and marketplaces needing embedded payments, payouts, and monetization tools for the sellers or merchants on their product.
- **Who it's not for:** businesses that want to bring or route through their own processor – because Whop is merchant of record, there's no PSP choice the way there is with Stripe Connect or Adyen.

**[Embed payments with Whop](https://whop.com/network/)**

### 2. Stripe Connect

**Best for:** platforms and marketplaces that want the flexibility to configure how much payment-facilitation responsibility they take on.

![stripe embedded components](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/02/embedded-components_1x.webp)

[Stripe Connect](https://whop.com/blog/stripe-connect/) is one of the most widely adopted embedded payments solutions for marketplaces and SaaS platforms. Rather than a single configuration, with Connect, a platform specifies discrete account behaviors using account controller properties, such as which Stripe-hosted dashboard (if any) a connected account can access, and who Stripe collects fees from.

Embedding payments runs through Stripe's prebuilt embedded components – payments, payouts, and account settings. Or, you can create a fully custom UI using the API.

Payment acceptance covers 195+ countries, with payouts in 135+ currencies, and businesses able to operate in 46 countries. Payment methods scale with account configuration and region: cards, ACH, digital wallets, and BNPL options are all offered, alongside regional methods like Pix and OXXO.

But Stripe's flexibility comes at a real cost: thin margins if you try to mark up pricing, general ticketed support instead of a dedicated line, and an onboarding flow built for the broadest possible platform rather than tailored to a specific vertical.

One G2 reviewer (August 2026) wrote: *"Setup had some bugs and was a bit complicated. Would often have bugs on my home screen and say I was done when I wasn't, or that I had more setup to do when I wasn't already done. Minor bugs though."* Worth budgeting extra time to double-check your own setup status rather than trusting the dashboard at face value.

- **Pricing:** 2.9% + $0.30 blended per online transaction; interchange-plus typically reserved for high-volume or custom-negotiated platforms.
- **Payouts:** yes – with platform-controlled timing depending on configuration.
- **Monetization:** two paths – 'Stripe handles pricing' (Stripe collects fees, you may qualify for a revenue share at no cost to you), or 'you handle pricing' (you pay Stripe $2/month per account + 0.25% + $0.25 per payout, then set your own application fee as your margin).
- **Who it's for:** platforms and marketplaces, especially horizontal SaaS, wanting configurable payment infrastructure backed by strong documentation.
- **Who it's not for:** vertical SaaS with niche onboarding/compliance needs.

### 3. Adyen for Platforms

**Best for:** enterprise platforms and marketplaces wanting white-labeled, interchange-plus-priced embedded payments.

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/adyen-for-platforms-embedded-payments.png)

[Adyen for Platforms](https://whop.com/blog/adyen-for-platforms/) sits towards the full-PayFac end of the spectrum: you own the merchant relationship and set your own pricing, rather than working inside a packaged PFaaS layer someone else designed. Payment embedding is fully white-labeled by design, so your platform's brand is the face of the entire payment flow, and you can accept, process, and settle payments globally across 200+ payment methods whether that's online, in-person, or via POS terminals.

Onboarding covers 33+ countries in 23 languages, with real-time identity verification and drop-off monitoring built in. Adyen holds the licenses here, with its own EU, UK, and US financial licenses underpinning global compliance.

Reporting and reconciliation are centralized in one dashboard (Adyen merged two separate systems into one as of February 2026), with real-time notifications on transaction and risk events. This is useful at scale, though it assumes that you have a team that can monitor and act on that data, rather than a lean team wanting things to mostly run themselves.

Pricing is a standout here: Adyen runs on interchange-plus (what Adyen calls 'Interchange++'), not a blended rate. There are no setup or monthly fees.

- **Pricing:** interchange++: a fixed fee (roughly $0.13 US / €0.11 EU) plus a payment-method-specific variable fee (e.g., Visa/Mastercard: interchange + 0.60%).
- **Payouts:** yes – flexible, on-demand or scheduled, direct to bank accounts, with control over settlement timing and currency.
- **Monetization:** set your own pricing for the payments you process and keep the difference.
- **Who it's for:** enterprise platforms and marketplaces with the technical resources to handle a more involved integration, in exchange for pricing transparency and in-house global licensing.
- **Who it's not for:** smaller or early-stage platforms wanting a fast, packaged PFaaS setup.

### 4. Finix

**Best for:** software platforms, marketplaces, and registered PayFacs based in the US or Canada.

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/finix-1.png)

Finix embeds directly into your product, handling transaction authorization, tokenization, fraud protection, and settlement via API or low-code tools behind the scenes. 

Time to launch is a real strength for Finix, as the platform states that you can start transacting in as little as one day with as few as three API endpoints. For embedding payments, checkout itself can be a fully white-labeled hosted page, or built entirely custom against the API. 

Finix supports two stages of the same journey on one underlying technology: start as PayFac-as-a-Service, where Finix handles registration and underwriting for you, then later register as a full PayFac yourself if your platform grows into needing that level of control, *without* having to migrate to a different provider to make that switch.

Payment methods cover major global card brands (Visa, Mastercard, Discover, Amex) plus regional cards like UnionPay, RuPay, and Elo. But don't expect global coverage, as Finix itself states it delivers this experience 'across the US and Canada,' so while buyers can pay from wherever these methods are accepted, merchants and platforms need to be US or Canada-based. 

One Capterra reviewer, a fintech co-founder, confirmed this gap firsthand in a 2025 review: *"Doesn't work in EU yet, which means we need to find a Finix alternative in Europe for our US + Canadian businesses."*

Compliance and operations are baked in: PCI DSS certification and real-time fraud monitoring come standard, underwriting is handled upfront to avoid onboarding delays, and reporting runs to more than 10 automated report types. 

- **Pricing:** separate pricing for platforms and payouts. Blended or interchange-plus fee structures available, with fees customizable per merchant (international charges, volume discounts, per-method fees, settlement speed); no single published headline rate.
- **Payouts:** yes – customizable payout settings, managed from the platform's dashboard, alongside dispute handling.
- **Monetization:** custom fee profiles at the merchant level let a platform set its own margin directly, rather than working within a fixed provider-set split.
- **Who it's for:** US/Canada-based software platforms, marketplaces, and registered PayFacs wanting genuine fee-level configurability and a growth path from PFaaS toward full PayFac.
- **Who it's not for:** software platforms, marketplaces, and registered PayFacs based outside the US and Canada, or anyone wanting a single, simple published price rather than a per-segment, per-merchant configured rate.

### 5. Fiska

**Best for:** SaaS platforms in the US and Canada with their own merchants or customers who need to accept payments.

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/fiska-1.png)

Fiska embeds directly into your product via a single omnichannel API, with SDKs in C#, Java, Python, and JavaScript. Everything, including merchant onboarding, happens under your own brand and inside your own product from the start.

Payment acceptance covers the US and Canada, with universal cross-channel tokenization and pre-certified POS terminals across in-person and online transactions, and typical implementation runs 2–6 weeks.

Fiska runs on a true revenue-share model with no platform fees at all. Once interchange and network costs are deducted from what a merchant is charged, Fiska splits the remaining margin with the platform: a $10M/year platform charging 3% (2% of which covers interchange, leaving a 1% margin) at a 50/50 split earns $50,000 a year in additional revenue, and that split is negotiable upward at higher volume. 

Every fee is fixed in the partner agreement upfront and can't change without the platform's approval. While searching for Fiska reviews to verify this against, we came up empty-handed: no G2, Capterra, or Trustpilot presence exists. For a company asking a platform to trust a fixed-fee commitment, that's a *real* gap – you're taking Fiska's word for it, with no outside customer account to confirm it holds up once you're locked into a partner agreement.

- **Pricing:** revenue-share model with no platform fees. A percentage of each transaction is split between Fiska and the platform after interchange is deducted.
- **Payouts:** yes – payout management is included as part of the white-labeled payment flow.
- **Monetization:** true revenue share, roughly 50/50 after interchange as a starting point, negotiable at higher volume.
- **Who it's for:** US/Canada-based small to medium SaaS platforms wanting a partnership model.
- **Who it's not for:** platforms outside the US and Canada, those wanting a large, well-known enterprise brand behind their payments, or ones that would rather set their own markup than share a negotiated split.

### 6. Stax

**Best for:** vertical SaaS platforms wanting embedded payments backed by a dedicated team.

![Stax embedded payments](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/stax-1.png)

Stax Connect is Stax's embedded payments product built specifically for vertical SaaS – field services, healthcare, legal, accounting, professional services, education, and non-profit – delivered through an end-to-end API with white-label UX. 

Payment acceptance is omnichannel (cards and digital wallets, in-app, on the web, and in person), with direct card-brand network connections. Coverage is US and Canada.

What Stax leads with isn't just the tech, but the people behind it. As a PayFac-as-a-Service provider, Stax owns enrollment, underwriting, risk, compliance, and disputes on your behalf, with dedicated go-to-market support through Stax Connect Plus. Reporting covers attachment, approvals, active MIDs, disputes, and volume in one place, with compliant surcharging available as an add-on. 

If time to launch is a concern, it's worth noting that Stax sits on the slower end of this list, stating an average of 45 days for Stax Connect, compared to Finix's same-day claim or Fiska's 2–6 weeks. 

- **Pricing:** not published for Stax Connect, custom and quote-based.
- **Payouts:** funds movement is managed by Stax as part of its risk/compliance/settlement stack; specific timing and mechanics aren't detailed publicly.
- **Monetization:** Stax's own materials describe a 'generous revenue share' as part of the partnership, with the exact split negotiated per platform rather than published.
- **Who it's for:** vertical SaaS platforms in the US and Canada, in the industries Stax names explicitly, wanting hands-on implementation and growth support rather than a pure self-serve API.
- **Who it's not for:** platforms outside the US and Canada, horizontal/generalist SaaS without a specific vertical focus, or those wanting transparent published pricing rather than a custom quote.

### 7. Rainforest

**Best for:** vertical SaaS platforms wanting PayFac-as-a-service while keeping full ownership of the customer relationship, contracts, and sell price.

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/rainforest.png)

Like Stax, Rainforest is a PayFac-as-a-Service provider purpose-built for vertical SaaS. Payment acceptance covers card, PayPal, Venmo, PayPal Pay Later, ACH, and Apple Pay.

Embedding runs through pre-built, customizable web components – payment, receipt, payment report, payin details, deposit report, and merchant onboarding – dropped into your platform via a JavaScript bundle and styled through a visual Component Studio. 

This component-based approach means it's faster than building against a raw API, but more flexible than a single hosted checkout page, making it a reasonable middle ground if your team wants speed without giving up your platform's look and feel. Its own website states that you can 'start processing in days, not months'.

Compliance and risk are handled by Rainforest: merchant onboarding, KYC, fraud monitoring, PCI compliance, and reporting are all managed for you, though not for free. A separate, risk-based fee applies depending on the risk profile assessed during onboarding.

Rainforest's real differentiator is contract terms. It markets 'platform-friendly' agreements that let you keep full ownership of your customer relationships, experience, contracts, sell price, and data, rather than ceding control the way some PFaaS agreements do.

Coverage is currently US-based, with Canada expansion still rolling out.

- **Pricing:** interchange-plus, buy-rate: starts at 0.30% + $0.30/item under $5M monthly volume, stepping down to 0.20% + $0.20/item above $15M. A separate risk-based fee also applies.
- **Payouts:** yes, standard payouts at $0.20 per item.
- **Monetization:** no revenue share – Rainforest is explicit about this. You buy at Rainforest's rate and set whatever price you charge your own merchants; any margin between the two is entirely yours, and Rainforest specifically notes that some platforms add their own ACH volume fee on top as a way to boost margin further.
- **Who it's for:** vertical SaaS platforms wanting PFaaS with ownership over the customer relationship and contract terms. Named customers span healthcare, non-profit donation management, professional services, and youth sports.
- **Who it's not for:** platforms outside the US (Canada support is still rolling out), or those wanting an established, long-track-record provider over a fast-growing but comparatively newer one.

### 8. Xplor Pay (formerly Clearent)

**Best for:** vertical SaaS platforms wanting a PayFac-as-a-Service model that evolves as they grow, without switching providers.

![xplor pay](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/xplor-pay.png)

Xplor Pay is a PayFac-as-a-Service platform for vertical SaaS, built around its Flex Framework: a model that lets a platform start on Referral, move to Hybrid, or go full PayFac-as-a-Service, and shift between them later. You can even do this on a per-deal basis, rather than locking into one structure from day one.

The infrastructure backs that flexibility: Xplor Pay has been a direct US processor and acquirer since 2005. Coverage now spans 10+ countries across North America, Europe, and Asia-Pacific.

Embedding runs through low-code components and a dedicated Developer Center, backed by specific APIs for transactions, disputes, reporting, boarding, recurring billing, and marketing – plus a mobile payments SDK. White-label boarding, UI, and branding are built in.

It wasn't always known as Xplor Pay. Clearent merged with New Zealand's Transaction Services Group in 2021 to form Xplor Technologies, and Clearent's payments business – known as Clearent by Xplor – took the Xplor Pay name in July 2025.

- **Pricing:** interchange-plus. There are no tiered ladders or hidden fees (per Xplor Pay's own claim).
- **Payouts:** standard merchant funding as part of its direct-acquirer processing; specific payout timing isn't published.
- **Monetization:** revenue share on processing margin that scales with volume, custom-modeled to your platform's real numbers.
- **Who it's for:** vertical SaaS platforms wanting a program that evolves with them.
- **Who it's not for:** platforms wanting a single fixed program structure rather than a negotiated, volume-based model.

### 9. Worldpay for Platforms (formerly Payrix, now under Global Payments)

**Best for:** vertical SaaS platforms that serve a specific industry (e.g. legal management software, restaurant management software) and software-led businesses who want to add payments as a feature.

![worldpay for platforms](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/worldpay-for-platforms-1.png)

Worldpay for Platforms is now owned by Global Payments, following its January 2026 acquisition of Worldpay, but it operates as its own distinct PFaaS product line, separate from Global Payments' own direct-acquirer offering covered elsewhere on this list, which is why both are covered.

Embedded payments cover cards, ACH, digital wallets, and multi-currency acceptance, alongside subscriptions and invoicing, fund transfers and refunds, and chargeback management. This is a much broader money-movement suite than checkout alone.

Payment acceptance covers card, ACH, digital wallets, and multi-currency support across North America, the UK, Australia, and New Zealand. This is narrower than the global reach of Worldpay's much larger enterprise business under its new parent, Global Payments.

- **Pricing:** custom, quote-based. Not publicly listed, tailored to the platform's business model, transaction volume, industry, and desired features. Platforms can choose whether to absorb transaction fees themselves or pass them on to their own merchants.
- **Payouts:** yes – dynamic, API-driven payouts to sub-merchants and other entities.
- **Monetization:** revenue share on the transaction fees charged to sub-merchants.
- **Who it's for:** vertical SaaS platforms in specific industries (healthcare, field services, fitness, childcare, salons, property management) and software-led businesses wanting to add payments as a feature.
- **Who it's not for:** platforms outside North America, the UK, Australia, or New Zealand, or those wanting transparent published pricing rather than a custom quote.

### 10. Usio

**Best for:** vertical SaaS platforms wanting both payment acceptance and disbursement in one PayFac-as-a-Service partner.

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/usio-1.png)



Usio is a PayFac-as-a-Service provider that embeds payments directly into your platform through a single API. Embedded payments span card processing, ACH, and remotely created checks, with SDKs for .NET, Java, PHP, Python, and Swift. 

Its backend flexibility allows volume-based pricing, industry-specific fee structures, vertical-specific underwriting rules, and dynamic transaction fees based on MCC or card type – a level of pricing control that most off-the-shelf providers can't match.

It sits as a unified layer over backend gateways like Worldpay and Repay. What Usio does own is the compliance burden, with PCI Level 1 compliance and tokenization handled entirely on its side, so your platform's PCI scope stays effectively nil. It also provides real-time transaction reporting.

Revenue share is Usio's headline pitch: its own marketing claims that it can boost your 'yearly income by $1 Million'. That's a big number to lead with, so worth testing against your own volume before you take that at face value. One G2 reviewer has been using Usio since 2018 and has been happy so far, but reports a real friction point with recent updates: *"0.5% for R29 restrictions is an issue when banks change their system and everything was going well before new updates."*

- **Pricing:** not a single published rate. Usio blends the varying interchange programs, transaction fees, risk models, and dispute fees of each backend processor (Worldpay, Repay, etc.) into one unified revenue share model, so platforms don't negotiate processor-by-processor.
- **Payouts:** yes – push-to-debit, push-to-card, ACH, and remotely created checks.
- **Monetization:** revenue share on gross margin.
- **Who it's for:** vertical SaaS platforms (healthcare, fintech, legal tech, field service, and church/nonprofit software among them) wanting both payments and disbursements from one partner.
- **Who it's not for:** platforms wanting a single transparent published rate rather than a custom, volume-and-vertical-based quote.

### 11. Global Payments

**Best for:** platforms in the US, Canada, or UK wanting a PayFac-as-a-Service arrangement from an enterprise-scale processor.

![global payments](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/global-payments.png)

Global Payments does offer an embedded payments solution, but it is difficult to find context on what, exactly, this is. Global Payments' main site leads everywhere to a product called Integrated Payments, which is *not* the same as embedded, per our earlier distinction. 

The real PayFac-as-a-Service product isn't linked from anywhere obvious, and every 'explore' link takes you to a 'start a conversation' form. It took digging through developer docs directly to find this information.

Global Payments' embedded payments product is called Embedded Payments Partners. It is available in the US, Canada, and the UK. Partners get end-to-end merchant services inside their own applications, without registering as a payment facilitator themselves. 

You handle merchant boarding UX, the payment-acceptance experience, and a merchant portal for reporting and disputes; Global Payments handles KYC, underwriting, settlement, risk monitoring, and the sponsor bank relationship (the standard PFaaS split).

- **Pricing:** not published, requires a partner agreement.
- **Payouts:** settlement/funding is handled by Global Payments by default, though partners can trigger money movement directly via the API.
- **Monetization:** not stated anywhere we could find. Worth asking directly, since most PFaaS providers on this list publish a specific revenue-share or markup mechanism and this one doesn't.
- **Who it's for:** platforms in the US, Canada, or UK willing to go through a partner agreement and account manager relationship for a product that isn't self-serve or well-documented publicly.
- **Who it's not for:** platforms outside the US, Canada, or UK, or those wanting to compare pricing and terms upfront without a sales conversation.

### 12. Airwallex

**Best for:** global marketplaces and software platforms wanting multi-currency pay-in, split funds, and payouts to sellers in one API, without registering as a PayFac themselves.

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/airwallex.png)

[Airwallex](https://whop.com/blog/airwallex-alternatives/)'s Payments for Platforms product embeds directly into your product, with a white-labeled checkout deployable either through pre-built components (KYC through payouts, launchable in days) or a fully custom API integration. 

Coverage is global: payments are processed across 180+ countries and 130+ currencies, with 160+ payment methods, and payouts to sellers in 200+ countries and territories, including instant payouts to bank accounts or Airwallex-issued debit cards. 

Like-for-like settlement avoids unnecessary FX conversion fees – this is a great advantage for a platform whose sellers and buyers sit in different countries, which is the entire premise of a global marketplace.

Airwallex holds a 4.1 rating across 55 G2 reviews, with users consistently praising ease of use and competitive international rates, though a recurring complaint is that customer support can be slow during peak times.

- **Pricing:** flexible, platform-set pricing controls. Bespoke rates by transaction scenario, use case, or product; no single published headline rate for embedded finance or Platform API.
- **Payouts:** yes, to 200+ countries and territories, including instant payouts to bank accounts or Airwallex debit cards.
- **Monetization:** bundle payments with other premium features, or charge your own transaction fee on every payment processed through your platform.
- **Who it's for:** global marketplaces and software platforms with cross-border sellers or buyers.
- **Who it's not for:** platforms operating in a single country with no cross-border complexity, where the multi-currency infrastructure here is more than what's needed.

### 13. Payabli

**Best for:** vertical SaaS platforms in the US or Canada wanting commercial/GTM guidance alongside the technology.

![payabli](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/payabli.png)

Payabli is a PayFac-as-a-Service provider, and, like Stax, leads with a people-led approach rather than a self-serve product: interchange optimization, compliant surcharge/fee models, and white-glove advisory on go-to-market and pricing by vertical.

It embeds payment acceptance directly into your product through a white-labeled web application, a modern API, and customizable JavaScript components that reduce your PCI scope.

It offers omnichannel coverage, with invoices, payment links, subscriptions, payment pages, customer portals, POS hardware, and a virtual terminal for phone/mail-order payments – across card, ACH/eCheck, and mobile wallets. But, the downside is that coverage is US and Canada only – and even within that, Canadian merchants are limited to card acceptance (no ACH), and U.S. territories including Puerto Rico aren't supported at all.

There are a lot of impressive AI features on paper, including an Intelligent Dispute Agent that compiles evidence and submits chargeback responses automatically, and Amigo, a natural-language tool for querying live payments data without building a dashboard.

But, it is worth knowing that Payabli doesn't let you self-serve into a sandbox the way Stripe or Whop do. Its own docs state that sandbox access is provided by the Client Success team 'after your integration kickoff call' – so budget for an onboarding conversation *before* your developers can start testing.

- **Pricing:** customizable pricing templates by vertical and market segment.
- **Payouts:** yes, via Pay In's Funding engine – configurable batch times, split funding, and hold-and-release for merchant settlement. Pay Out is a separate product for paying vendors and contractors, not merchant settlement itself.
- **Monetization:** revenue unlocked through interchange optimization and pass-through/surcharge fee models, on top of standard payment acceptance.
- **Who it's for:** vertical SaaS platforms wanting hands-on commercial guidance and advisory support.
- **Who it's not for:** platforms outside the US or Canada, or those wanting a pure self-serve, low-touch API experience.

### 14. Tilled

**Best for:** software companies in the US or Canada wanting a PayFac-as-a-Service partner with transparent pricing.

![tilled](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/tilled.png)

With PFaaS provider Tilled, you embed payments into your product with turnkey white-label components. Coverage spans the US and Canada, including French-language support for the Canadian market. Payment acceptance spans card-present and card-not-present transactions, subscriptions, hosted checkout, a virtual terminal, and compliant surcharging. Reporting runs real-time and unified across your merchant portfolio, with custom reporting available on Enterprise plans.

Pricing is where Tilled stands apart from most of this list: there are two published tiers, meaning *no* sales call required to see the numbers (which you can see in the bullet point below). That transparency is worth weighing against one gap, though: Tilled has no reviews yet on G2 or Capterra, so there's no outside customer account to check the experience against beyond what's published here.

Compliance and risk are handled comprehensively: PCI Level 1 validated, KYC/KYB/MATCH list/OFAC checks automated during onboarding, ongoing risk monitoring, and dispute management.

There's also a Portfolio Buy-Back program, which lets a platform cash out its existing payments revenue for immediate capital rather than waiting on it.

- **Pricing:** two published tiers – Start-Up (70% revenue share, $500/month) under $5M monthly volume, Scaling (80% revenue share, $2,500/month) above $5M.
- **Payouts:** payouts to merchants happen as a core function of Tilled's PayFac role, with a dedicated Payouts Report for reconciliation, but the actual payout mechanism, timing, and method aren't detailed in what Tilled publishes.
- **Monetization:** revenue share built directly into the pricing tiers above, plus interchange optimization via Level 2/3 processing that can lower rates by up to 1%.
- **Who it's for:** US/Canada software companies wanting transparent, published PFaaS pricing and a revenue share from day one.
- **Who it's not for:** platforms outside the US and Canada, or those wanting to negotiate a fully custom deal rather than start from a published tier.

### 15. Infinicept (Launchpay)

**Best for:** vertical SaaS platforms outgrowing Stripe or a referral setup, wanting full control over pricing and merchant relationships without becoming a registered PayFac themselves.

![launchpay](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/launchpay.png)

Launchpay is Infinicept's PayFac-as-a-Service product: you own the merchant relationship, set your own pricing (flat rate or interchange-plus, broken down by card-present, card-not-present, or card brand), and choose your own gateway – Infinicept's own (Orchestrate) or one you already use. 

Underneath, Launchpay holds the actual PayFac registration and carries compliance, underwriting, risk, and chargeback liability, so none of that sits with the platform. 

Payment acceptance is broad: card-present (cloud terminals, SoftPOS, kiosks, wireless), online/in-app (hosted iFrame, invoicing, stored credentials, digital wallets), and ACH (bank payments, tokenization, account validation, subscriptions), plus flexible fee models like surcharging and cash discounting. Everything is white-labeled by default, though a platform can build its own experience entirely via API instead if it wants deeper control.

What distinguishes Launchpay from a typical PFaaS wrapper is the explicit bridge to full PayFac status: it runs on the same underlying platform as Payops, Infinicept's product for already-registered PayFacs, so a platform that later wants to register directly can graduate *without* migrating data, re-signing merchant agreements, or rebuilding integrations. Its own docs describe it as 'a zero-integration-required solution offering a robust API for customization and control', promising minimal build work upfront, deeper control later if you want it.

- **Pricing:** no setup or platform fees stated; merchant-facing rates are flat or interchange-plus, set by the platform itself.
- **Payouts:** automated funding on configurable schedules, with one reporting/funding instance covering both card and ACH.
- **Monetization:** the platform sets its own pricing and keeps the margin above Infinicept's underlying cost – full control over the revenue model, not a fixed revenue-share split.
- **Who it's for:** vertical SaaS platforms wanting real pricing and merchant-relationship control without taking on PayFac registration and liability.
- **Who it's not for:** platforms wanting a simple, hands-off, fully white-label experience with no interest in owning gateway or pricing decisions.

### 16. Nuvei

**Best for:** marketplaces, ISVs, and payment facilitators wanting one platform to embed onboarding, pay-in, split payments, and payouts.

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/neuvi.png)

Nuvei for Platforms embeds payment acceptance through a single API, with flexible branding stated directly as a feature: checkout can be rebuilt under the platform's own brand, not Nuvei's. 

It's a PFaaS model, claiming 'turnkey solution with no card brand registration' and 'zero liability for underwriting, risk, or chargebacks' for the platform using it.

Coverage spans 200+ markets, with local acquiring in 52 markets, 150 currencies, and 720+ payment methods. This is an *enormous* number that most providers on this list can't come close to matching, and worth taking seriously if your platform actually sells into markets with strong local payment preferences (bank transfers in the Netherlands, boleto in Brazil), rather than just cards everywhere. 

Sub-merchant onboarding runs through hosted KYC, with every transaction automatically split between platform commission and seller fee, and multi-PSP support avoiding lock-in to Nuvei alone. Nuvei for Platforms isn't self-serve – its own docs state sandbox access comes only 'once approved by our Business Development team,' and you need a signed contract in place before you can even *start* building your integration.

- **Pricing:** not published, quote-based.
- **Payouts:** yes – real-time, automated and customizable.
- **Monetization:** platform sets and collects its own commission on every split transaction.
- **Who it's for:** marketplaces, ISVs, and payment facilitators wanting white-labeling and multi-PSP flexibility.
- **Who it's not for:** platforms wanting transparent published pricing or a single fixed PSP relationship.

### 17. Paddle

**Best for:** platforms, especially AI app builders, wanting to let their own users monetize apps without building billing, tax compliance, or checkout themselves.

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/09/paddle-loveable.png)

[Paddle](https://whop.com/blog/what-is-paddle/)'s Embedded Billing product lets a platform onboard its own users as individual Paddle sellers through a partner API, with Paddle acting as merchant of record for each one, not for the platform itself. Users onboard directly inside the platform's own product, build checkout and customer portals via the same APIs Paddle uses internally, and never log into a separate Paddle dashboard. 

Coverage is wide, spanning 200+ countries and regions, with local payment methods supported from day one.

The structure here is worth being clear about: this isn't PFaaS, it's MoR applied at scale to many small sellers. Paddle takes on tax registration, PCI scope, refunds, and chargebacks for each seller individually, making it a good fit for a platform with many low-volume users who'd never justify their own compliance overhead, but a different economic relationship than a platform earning a revenue share on processing volume.

- **Pricing:** not published for the embedded billing product, requires joining the partner program.
- **Payouts:** yes – via wire transfer or Payoneer.
- **Monetization:** the seller monetizes their own app directly; no platform-level revenue share is stated in Paddle's own documentation.
- **Who it's for:** platforms with many individual sellers or users who want to sell their own apps/products without each one handling tax and compliance separately.
- **Who it's not for:** platforms wanting to earn a cut of their users' processing volume – that mechanism isn't confirmed here.

## Honorable mentions: embedded finance providers who did not make the list, and why

Not every name that came up in our research was a payments-specific fit. Some of the following platforms and providers are big [embedded finance players](https://whop.com/blog/embedded-finance-providers/) (banking, card issuing, lending) that often get mentioned on 'embedded payments' top lists. Others are payment providers that just didn't clear the bar for this specific list.

Here's why each one came up, and why it isn't in the main 17.

### NMI

A white-label payment gateway used by ISOs, software vendors, and payment facilitators to build their own processing stack. Useful infrastructure, but it doesn't carry registration or underwriting the way a PFaaS provider does. It's a tool for platforms becoming their own PayFac, *not* a PayFac-as-a-Service itself, so it didn't fit the core list.

### Fiserv

Carat's 'Platforms & Marketplaces' covers sub-merchant boarding, credit and risk, and money movement, but never confirms payment acceptance or white-labeling. Fiserv's separate '[Embedded Finance](https://whop.com/blog/what-is-embedded-finance/)' product *does* confirm white-labeling, but it's for banking, lending, and card issuing. So while it has appeared in our embedded payment research, it did not make the cut as a true embedded payment provider.

### Checkout.com 

[Checkout.com](https://whop.com/blog/checkout-com/) has a 'Payment Facilitators' (Integrated Platforms) solution offering sub-merchant onboarding, commission-based monetization, and payouts. But, it didn't make the main list because its own materials never confirm white-labeling.

### Lightspeed 

Fundamentally a POS/commerce platform, not infrastructure a third-party builds embedded payments on top of. Its payments exist to serve Lightspeed's own merchant customers, not to be embedded elsewhere.

### Helcim 

While Helcim is a merchant processor with a partner program, it is explicitly not white-label, making it closer to a traditional processor with a referral layer than a purpose-built embedding play.

### ConnectPay

ConnectPay is a licensed EU/Baltic EMI provider offering accounts, card issuing, and payment acceptance together. It's genuine and well-regarded, but it's closer to embedded finance/banking-as-a-service than a pure payments play, and a regional niche rather than a globally relevant option for most platforms.

### PayPal Enterprise Payments (formerly Braintree)

One of the biggest players, [PayPal](https://whop.com/blog/paypal-for-business/) is well-known and supports marketplace-style split payments and payouts through its Braintree Marketplace product, with sub-merchant onboarding and white-labeled checkout via Hosted Fields. But, PayPal's own materials consistently frame the broader product as 'integrated payments,' the exact category we defined and excluded from scope at the start, so it sits here rather than in the core 17.

### Square

Primarily a direct-to-merchant payments and POS company. [Square](https://whop.com/blog/square-payments/) itself operates as a payment facilitator, but for its own merchants: it isn't offered as infrastructure for other platforms to embed.

## How to choose an embedded payments provider

Seventeen options is a lot to sit with, so here's the shortcut: figure out which of these three you are, and start there.

### Marketplaces

If you have multiple sellers, and buyers paying across different sellers, then [split settlement](https://whop.com/blog/marketplace-payment-platform/) is a non-negotiable.

- **Choose Whop** if you want checkout, payouts, and monetization handled with zero infrastructure to run, and you're fine giving up PSP choice in exchange.
- **Adyen for Platforms or Stripe Connect** if you want that PSP control back and have the engineering time to build it yourself.
- **Airwallex** *specifically* if your sellers and buyers are scattered across different countries and currencies, as that's Airwallex's whole selling point.

### Vertical SaaS

Embedded payments as a revenue line inside a single-industry product?

- **Tilled** is a good choice if you want published pricing tiers with no sales call.
- **Choose** **Stax, Rainforest, Payabli, or Xplor Pay** if you're fine with a sales conversation in exchange for hands-on GTM support helping you actually sell the revenue share internally.
- **Whop** if you'd rather skip the negotiation entirely – you set your own price and keep everything above a flat fee, simpler math but no revenue-share upside.

### Creator and small-seller platforms

Best if you have a lot of individual, low-volume sellers, each too small to build their own tax, compliance, and chargeback setup (like a course-hosting platform).

- **Whop** if you're hosting a whole platform's worth of different businesses under one roof.
- **Paddle** if you're aimed squarely at individual builders monetizing a single product each.

Before you lock in on a provider, evaluate each one closely. Look beyond what the docs can tell you – ask for sandbox access outright (Payabli and Nuvei both gate it behind a sales call), and ask for worked figures based on your volume rather than going with the headline rate.

> 💡 **Choose wisely – TSG and Adyen's 2026 survey of software companies found 98% would consider switching payment providers, but only 1 in 4 actually have, mostly because integration complexity and compliance requirements make it harder than it should be – which brings us to our next point.**

### A note on migration and switching embedded payments platforms

TSG and Adyen's survey found that more than half of respondents cited integration complexity, compliance requirements, and operational disruption as the primary barriers preventing change.

So, when you're evaluating embedded payments providers, don't just look at what they can do for you now and in a year's time, but research how easy it would be to leave.

And, if you're already with one embedded payments partner and looking to migrate to another, check migration support upfront before you commit to the move.

Importing tokens from a previous processor is the bare minimum at this point: Stripe, Finix, Payabli, Worldpay for Platforms, and Rainforest *all* document the same basic function – export from the old processor, encrypt with the new one's PGP key, wait for a mapping file back. 

This being expected doesn't mean it's fast, though. Stripe's own guide puts the import step alone at up to 10 business days, and that only covers card data – subscriptions and billing get rebuilt by hand afterward.

![Video thumbnail](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/06/MIGRATIONS_thumb.jpg)
[Watch video](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/06/MIGRATIONS.mp4)

Whop skips most of that, with [Whop Migrations](https://whop.com/blog/migrations/): a self-serve tool moves the subscription and the token together in one click, so billing just continues, no manual rebuild required. 

Finix and Infinicept solve a different problem, specifically moving up from PayFac-as-a-Service to full, self-registered PayFac without starting over. 

Ask before you sign: how long does migration actually take end to end? Does it cover subscriptions, or just card data? And if you outgrow PFaaS one day, are you rebuilding or graduating?

## Choose Whop for embedded payments

![Video thumbnail](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/03/Ohana-x-Whop_thumb.jpg)
[Watch video](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/03/Ohana-x-Whop.mp4)

Whop is the end-to-end platform for building a business: payments, payouts, and monetization built in from day one, with no infrastructure of your own to manage. 

Ohana uses Whop embedded payments for their sublease marketplace, Cal.com built its own native payment option, Cal Payments, directly on top of Whop, and Replit AI uses Whop as the fastest way to add payments to a new app.

Ready to see what Whop can do for you?

**[Embed payments with Whop](https://whop.com/network/)**

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## FAQs

### What's the difference between an embedded payments provider and a payment gateway?

A payment gateway moves transaction data between your checkout and a processor. It doesn't carry registration, underwriting, or liability for you. An embedded payments provider takes on some or all of that regulatory weight, which is what lets payments live inside your product under your own brand rather than redirecting to someone else's.

### What's PayFac-as-a-Service vs. a straight PSP integration?

With PFaaS, the provider registers as the payment facilitator and carries underwriting and compliance, while you own onboarding and the merchant relationship. A straight PSP integration (like a basic Stripe or Adyen setup) just connects you to processing rails, so you're not automatically a payment facilitator, and depending on configuration, you may still need to register as one yourself if you want to manage sub-merchants.

### What compliance certifications should I look for in an embedded payments provider?

PCI DSS Level 1 is the baseline for anyone touching card data. Beyond that, look for SOC 1/SOC 2 if you need audit-ready reporting, and confirm whether the provider is a registered ISO/MSP, a licensed EMI, or an actual sponsor-bank relationship.

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