Best Embedded Payments Platforms
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Compare the Top Embedded Payments Platforms as of April 2026
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What are Embedded Payments Platforms?
Embedded payments platforms are digital tools that allow businesses to seamlessly integrate payment processing capabilities into their existing systems or websites. These platforms provide a user-friendly interface for customers to make online purchases or transactions without being redirected to external payment portals. They also offer various payment options, such as credit card, debit card, and digital wallets, making it easier for customers to complete their purchase. Additionally, embedded payments platforms offer secure encryption and fraud protection measures to ensure the safety of sensitive financial information. Overall, these platforms streamline the payment process for both businesses and customers, making online transactions more convenient and efficient. Compare and read user reviews of the best Embedded Payments platforms currently available using the table below. This list is updated regularly.
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NMI Payments
NMI
NMI Payments is an embedded payments solution that lets SaaS platforms, Software companies and ISVs integrate, brand, and manage payment acceptance directly within their software—without becoming a PayFac or building complex infrastructure. As a full-stack processor, acquirer, and technology partner, NMI handles onboarding, compliance, and risk so you can stay focused on growth. The modular, white-label platform supports omnichannel payments, from online, mobile and in-app to in-store and unattended. Choose from full-code, low-code, or no-code integration paths and launch in weeks, not months. Built-in risk tools, flexible monetization, and customizable branding help you scale faster while keeping full control of your experience. With NMI’s developer-first tools, sandbox testing, and modern APIs, you can embed payments quickly and confidently. -
2
FISPAN
FISPAN
FISPAN partners with your bank to deliver embedded, automated ERP banking solutions for accounts payable, accounts receivable, bank feeds, and cash management. Eliminate error-prone manual processes and embrace secure, seamless ERP-to-bank connectivity. Integrate your banking directly into leading ERP and accounting platforms, including NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central, Workday, QuickBooks, and Xero. Streamline AP workflows, initiate vendor payments, manage expense reimbursements, automate cash application, and send detailed remittance advice emails, all without leaving your system of record. Access near real-time account balances and transactions across entities, initiate book transfers, and automate reconciliation with secure API connections. No file uploads. No bank statement formatting. Just reliable, scalable embedded ERP banking powered by FISPAN. -
3
EBizCharge
EBizCharge
EBizCharge is the leader in embedded payments, powering seamless payment experiences for over 400,000 users across the US and Canada. Our embedded payment solutions allow businesses to accept payments directly within their existing ERP, CRM, and accounting workflows without leaving their primary business applications. EBizCharge transforms payment operations by embedding secure payment processing natively into 50+ business systems, eliminating system switching, reducing data entry, and streamlining workflows. Our embedded solutions provide native payment processing, automated data synchronization, unified user experiences, real-time transaction updates, secure tokenization, customizable payment flows, and comprehensive reporting. EBizCharge is PCI-compliant with advanced data encryption and tokenization, ensuring all embedded payment data is secured. EBizCharge is natively embedded in QuickBooks, NetSuite, SAP, Oracle, Sage, Microsoft Dynamics, Salesforce, Acumatica, and more.Starting Price: $25/month -
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Exact Payments
Exact Payments
Exact Payments develops and delivers easy-to-integrate and highly scalable payments technology for SaaS companies to seamlessly embed payment flows into their software and activate a new, high-margin revenue stream. With Exact’s PayFac-as-a-Service solution, SaaS providers build frictionless buying journeys that enhance customer experience, improve retention, and increase the lifetime value of a customer by as much as 5x. Today, Exact processes nearly 1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax. Exact is integrated with leading processors in the US and Canada, including Elavon, Fiserv, Global Payments/TSYS, Chase Canada, and Moneris. Our payment solutions are designed for performance and reliability, supporting over 10,000 merchant clients and delivering 99.99% uptime availability with transaction response times of less than 1 second.Starting Price: Free -
5
Stax
Stax Payments
Stax empowers software platforms, small businesses, and large businesses, through simplified, industry-leading integrated payment and recurring billing solutions. Stax Connect is an unmatched payment ecosystem that enables unparalleled portfolio growth through technology and payment monetization. Radically simplify the ability for ISVs to power their payments with Stax’s developer-friendly API, offering a single integration that provides access to best-in-breed tools needed to provide payment acceptance capabilities, eliminating the time and costs associated with other “PayFac in a box” offerings. Secure in-person and online credit card payment processing with Stax Pay. An all-in-one business management platform built to help you run and grow your business. -
6
BlueSnap
BlueSnap
BlueSnap's All-in-One Accounts Receivable Automation solution, formerly Armatic, is the highest rated software solution for Payment Processing, Billing/Invoicing, Recurring Billing and Subscription Management. Billing and Invoicing: Create beautiful invoices with our powerful invoice editor synced into your accounting system. Provide a customer portal, automatic charging, payment collection, and apply late fees. Recurring Billing & Subscription Management: BlueSnap provides enterprise-class subscription billing management for fast-growing businesses worldwide. Enable trial periods, manage plans, or prorate subscriptions. Payment Processing: BlueSnap is processor agnostic and provides integrations to all types of payment solutions from credit card payments, ACH, SEPA to wires. We handle partial payments, automatic failed payment retry, and automatic payment recovery.Starting Price: $35/user/month -
7
Sila
Sila
Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon. -
8
Payrix
Payrix
Payrix is on a mission to be the global leader in embedded payments for vertical software businesses. We are committed to giving our clients more freedom and peace of mind with a proven solution that helps eliminate friction, unleash their possibilities with new revenue, and make their customers’ lives easier. Payrix clients including Real Green Systems, Storable, iClassPro and SupporterHub have harnessed our unique, all-in-one platform — combined with a white-glove approach — that enables them to capitalize on the opportunities within embedded payments for growth, innovation, and transformation. -
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VoPay
VoPay International Inc
At VoPay, we help software companies scale faster and unlock new revenue by embedding secure, compliant financial services into their core platforms. Our Fintech-as-a-Service platform enables businesses to manage payments, automate money movement, and integrate powerful fintech products, without the need to build complex infrastructure from scratch. VoPay’s platform provides the flexibility, control, and tools businesses need to grow and thrive. Whether you're managing high transaction volumes or looking to enter new markets, VoPay provides scalable infrastructure to support your growth and deliver value to your users. Additionally, our platform integrates seamlessly with your SaaS solution through a single API, making it easy to offer embedded payments, compliance, and financial orchestration. This is particularly beneficial for SaaS platforms, as it allows you to expand without worrying about the complexities of financial infrastructure.Starting Price: $10.000 Annual -
10
Cybrid
Cybrid Technology Inc.
Cybrid offers innovative embedded payment solutions, streamlining financial integrations via robust APIs and SDKs. Our payment orchestration platform simplifies complex processes like seamless KYC, fund transfers and settlement. We facilitate bank connections through Plaid, offer versatile money transmission methods, and provide Virtual FBO Accounts in USD and CAD, connected to an ACH, Wire, and RTP money transfers. Unique to Cybrid is our integration with crypto onramps and offramps through our Smart Order Router, which includes direct integration to Bitcoin (including Lightning Network) and Circle's USDC. Multi-chain USDC support including Ethereum, Polygon, Solana and Stellar positions us at the forefront of digital currency innovation. Ideal for businesses seeking to embed payment services into their applications, Cybrid is the go-to for efficient, secure, and versatile financial integrations.Starting Price: 1000 -
11
Papaya Global
Papaya Global
Papaya Global is a SaaS fintech company providing global payroll technology and the only one with an embedded payments platform designed for the workforce needs of global enterprises. Papaya's comprehensive technology, known as Papaya Payroll OS, provides global payroll with automation, compliance, flexibility, and security. The platform gives finance teams the visibility and control to master workforce spending and payments — with full liability if anything goes wrong. Papaya's integrated approach connects the dots of global payroll, unifying and standardizing data and processes from HCM and ERP tools to create a single source of truth. It turns payroll - every company's biggest expense and liability - into a strategic asset, empowering growth at scale. Papaya's team currently spans Tel Aviv, New York, Austin, London, Kiev, Singapore, and Melbourne. Its technology has been recognized by all leading global analysts, including Gartner, Visa, NelsonHall, and others.Starting Price: $20 per employee/per month -
12
BANKSapi
BANKSapi Technology GmbH
BANKSapi is an API-based Open Banking and Open Finance platform that holds a PSD2 license from BaFin (Germany). In addition to account aggregation (Account Information Service - AIS) for current accounts/payment accounts, data on savings accounts, building society accounts, custody accounts, credit and loans can be retrieved via a standardized API. A2A payments (Payment Initiation Services - PIS) and smart data analytics based on account data complete the portfolio. On request, ready-made widgets that combine an intuitive user interface and secure API communication can be used for a fast go-to-market. BANKSapi currently covers the German and Austrian markets.Starting Price: €59/month -
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Sola Payments
Sola Payments
Sola Payments is a complete omnichannel payment processing platform that unifies online, in-person, and mobile transaction acceptance with tools for billing, invoicing, recurring and usage-based billing, and flexible pricing logic, enabling businesses to offer seamless checkout experiences across channels while managing all payment activity from a centralized merchant portal. It supports a wide range of payment methods, including credit and debit cards, ACH, digital wallets like Apple Pay and Google Pay, EBT/EBT SNAP, gift cards, multi-currency transactions, and contactless payments, so merchants and platforms can meet customer preferences and expand revenue opportunities. Sola’s integrated suite includes features like smart retry for failed transactions, automated reporting and revenue recognition, and promotional pricing, helping reduce revenue loss and streamline financial operations.Starting Price: Free -
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WePay
WePay
We provide payments infrastructure for independent software vendors (ISVs) and software platforms to ensure small businesses get paid quickly and easily. We deliver payments you can bank on. Our APIs make flexible, integrated payments possible via referral, white label or payment facilitator models, so our customers can focus on their core strategy. WePay’s corporate values are core to who we are and how we operate. We endeavor to live up to them every day in our interactions with each other and with our customers and partners. Seamlessly integrate payments into your application; we’ll support you from behind-the-scenes. Leverage the Chase brand & network to maximize adoption of digital payments. -
15
Airwallex
Airwallex
Airwallex is the business account built for global businesses. Your account comes standard with features like multi-currency business accounts, so you can collect and hold money in over 11 currencies while avoiding double conversions. Issue virtual debit cards for you and your team in seconds. Transfer money internationally in up to 23 different currencies, without the excessive fees and transfer wait times. Integrate with our API to improve your platform product offering and scale your business. Invoice and accept payments from international customers in their preferred currency. Seamlessly connect your business accounts with popular platforms like Amazon, eBay, Shopify and PayPal. Pay out in the same currency, or convert and withdraw in USD using outstanding FX rates. Issue new virtual payment cards in seconds. Change spend limits and revoke access, all from our online platform. -
16
Infinicept
Infinicept
Many companies promise quick and simple payments acceptance. But off-the-shelf payments solutions come with trade-offs. You may be giving up payments revenue, ownership of your data, and control over your payments product and your customer experience. Offer your customers a customized payment product where they control fees, funding schedules, onboarding decisions, and the entire payment process. Build payment solutions how you choose with the ability to change if and when necessary. Generate additional payments revenue you used to hand over to third parties. This new cashflow can increase your valuation exponentially. Ongoing risk and compliance monitoring designed by those who wrote the book on risk and compliance. Industry-best KYC processes, customizable merchant application, triggered underwriting, and integrated boarding services. -
17
Fortis
Fortis
The Fortis platform has what you need to quickly and easily connect with your customers. Our deep vertical specialization, award-winning developer connectivity, and real-time rules-based underwriting API ensure accounts are approved and boarded in minutes. Using our nuanced understanding of each industry we serve, our expert Guides develop intentional solutions that go beyond payments to steer your business toward growth. At Fortis, we constantly assess and expand our online payment solutions to meet the needs of your business, today and tomorrow. Our secure, cloud-based smart platform enables you to meet your customers’ demands and implement smart payment solutions including recurring payments, shopping carts, online charitable donations, and more. Our all-in-one platform seamlessly connects with almost any legacy software, Electronic Return Originator (ERO) application. -
18
Forward
Forward
Embedded payments built by software people for software people. Every SaaS company is looking for the next feature or capability to propel their business forward. A feature to close a sale, improve user experience, and re-fact technical debt, all competing for valuable roadmap priority. Monetizing payments first will double revenue per customer, enabling you to fund additional roadmap capacity. Payments is a spectrum of services, and at Forward, we’re adding more solutions to support you wherever you are in your journey. Our process starts with a free payment consultation, and we mean free, we’ve made it super easy to understand how to move forward with your payment journey. You could build your own data center but probably use a large cloud provider, think of payments similarly. Our team can help you to focus on what you do best, which is selling software. -
19
VyaPay
VyaPay
VyaPay provides fully embedded and on-demand payment solutions. We help businesses of all sizes to navigate the intricate world of payments with ease and confidence. Our comprehensive suite of services not only simplifies payment operations but also amplifies security and efficiency, ultimately contributing to the success and growth of our clients in an increasingly digital and interconnected economy. Code your system to our payment gateway through our API in less than a day. Working with an experienced partner, like VyaPay, will not only improve your margins, it will make your payment transactions work for you. Our experienced team of engineers and industry experts will help you embed commerce directly into your platform, giving you end-to-end ownership of your digital transactions. Together, we’ll make payments an extension of your service and brand by implementing customized solutions that support your growing business and channel partner network. -
20
IncumbentFI
IncumbentFI
Our mission is to ensure that the financial institutions currently providing services to this generation remain the primary providers of financial services for future generations. To do so, we have designed a platform that removes all card limitations for traditional bank-issued payment cards. Chances are we have already plugged into your existing financial services processor and provider, so our solutions are integrated and available to your cards today. The fintech switch makes it possible to connect to your card's real-time authorization flow and provide services, features, data, and communications that help enhance a cardholder's experience. Now your cardholders can choose which features and services are right for them and add the services they want to the cards already in their wallet. IncumbentFI's SaaS platform is embedded within your institution's existing debit card processor and core banking provider tech stack, eliminating the need for costly and time-consuming technology. -
21
Zai
Zai
Zai is a financial technology company that simplifies complex payments through its API-powered platform, enabling businesses to create and manage end-to-end payment flows effortlessly. Customers can quickly pay online via all popular payment methods, while automated payouts ensure timely payments. The platform allows for the creation and customization of any payment flow to address specific business challenges. Zai offers bank-grade security with built-in fraud checks, scalability to grow with your business, and full PCI DSS compliance to avoid lengthy data security assessments. Processes are streamlined to free up valuable time for teams, with features like automatic matching, tracking, and reconciliation of payments using virtual accounts. The platform is flexible, offering both hosted and API integration options. Protect your business with bank-grade security and built-in fraud checks. -
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Usio
Usio
Usio is an integrated payments platform designed to help businesses accept, process, and disburse payments through a single, unified infrastructure that supports multiple payment methods and workflows. It provides a full suite of payment capabilities, including credit and debit card processing, ACH transfers, prepaid card issuing, and multi-channel disbursements such as real-time payments, push-to-debit, and checks, enabling organizations to move money securely and efficiently across different channels. It is built around embedded payments, allowing software companies and enterprises to integrate payment functionality directly into their own systems using flexible APIs, reducing friction and creating seamless user experiences. Usio also supports payment facilitation, electronic billing, and hosted payment pages, along with additional services like document composition, printing, and mailing, which together create a comprehensive end-to-end financial operations solution. -
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Cadana
Cadana
The world's largest payroll platforms and talent marketplaces use Cadana's APIs to build compliant hiring products in Africa, Asia, and Latin America. Deploy Cadana's no-code white-label solutions to your customers in your brand. Mitigate local labor non-compliance and fraud risks by leveraging Cadana's local entities & expertise. Validate the market with a full-suite product without spending millions of dollars building. Reduce operational overhead with Cadana L1 & L2 support to help you scale with your customers. Customize and integrate with existing workflows using modular UI components. Pay compliantly to millions of local banks, mobile money accounts, and e-wallets in Africa, Latin America, and Asia. Mitigate fraud with account validation lookups & AI-powered transaction monitoring for emerging markets. Save on average 50% on FX rates to emerging markets compared to global payment aggregators. -
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Xplor Pay
Clearent
Xplor Pay is an embedded payments partner built to help vertical SaaS companies launch, scale, and monetize payments with far greater efficiency than traditional processors. Backed by Xplor Technologies, the platform offers software providers deep collaboration, transparent reporting, and hands-on support throughout every stage of integration. Its PayFac-as-a-Service model enables SaaS teams to activate embedded payments quickly while minimizing development burdens and operational risk. Xplor Pay also empowers partners with sales and marketing resources designed to accelerate adoption and build recurring revenue. With over 800 partners and more than $31 billion processed annually, the company delivers proven reliability at enterprise scale. Developers and growth teams can rely on Xplor Pay for seamless APIs, proactive guidance, and a partnership approach that prioritizes long-term profitability.
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