Best embedded payment solution for hospitality SaaS platforms

Hospitality software platforms often control the full operational workflow for merchants. Restaurants take orders through POS systems. Hotels manage bookings and deposits through property management systems. Reservation platforms handle prepayments and cancellations.

Because payments are tightly tied to these workflows, hospitality SaaS platforms are increasingly embedding payments directly inside their software.

The challenge is choosing an infrastructure provider that supports hospitality-specific payment flows while also allowing the platform to monetize payments and scale across locations.

Below are the payment providers most commonly used by hospitality SaaS platforms, starting with the one built specifically for embedded payments, such as Fiska.

Fiska

Since we’re writing this piece, let’s start with ourselves.

Fiska is designed specifically for SaaS platforms that want to embed payments into their product and generate revenue from transaction volume.

Hospitality platforms benefit from this approach because payments can be integrated directly into booking, ordering, and checkout flows rather than handled through external terminals or third-party gateways.

What makes Fiska particularly strong for hospitality platforms:

• Built for embedded payments inside SaaS products
• Omnichannel infrastructure supporting online bookings and in-person payments
• Universal tokenisation that allows cards to be stored at booking and reused at check-in or checkout
• Flexible pricing so platforms can optimise margins across merchants and channels
• Revenue-share model that lets SaaS platforms monetise payments without platform fees

These capabilities allow hospitality SaaS platforms to support common operational flows such as:

• Booking deposits
• Pre-authorisations for hotel stays
• Restaurant ordering and tips
• Split payments for group dining
• Refunds and cancellations
• Multi-location reporting and reconciliation

Because Fiska is built specifically for SaaS, platforms can embed payments without building their own payments infrastructure or managing complex compliance requirements.

2. Stripe Connect

Stripe Connect is widely used by developer-focused SaaS platforms that want to embed payments quickly.

• Strong APIs and documentation
• Merchant onboarding and compliance tools
• Support for online and in-person payments with Stripe Terminal
• Fixed pricing could become less competitive at higher processing volumes

Stripe is often chosen by SaaS platforms because it allows teams to launch embedded payments quickly, albeit, with less control over pricing and earning revenue from payments.

3. Adyen for Platforms

Adyen is designed for large platforms that operate across multiple markets and require both online and in-person payments.

• Unified commerce infrastructure across channels
• Global acquiring and payment method coverage
• Strong fraud, risk, and reporting tools
• Enterprise-level complexity
• Integration timelines can be longer than other solutions
• Often requires a high processing volume to justify the setup

Adyen is commonly used by global hospitality platforms with multi-country operations.

4. Finix

Finix provides a PayFac-as-a-Service model designed for vertical SaaS platforms.

• Allows SaaS platforms to control payment pricing and margins
• Flexible fund flows for marketplaces and platforms
• Designed for platforms that want deeper control of payments infrastructure
• Requires more operational responsibility
• Platforms must handle more compliance processes over time
• Setup is more complex than turnkey payment solutions

Finix is often chosen by SaaS platforms that want to eventually operate as their own payment facilitator.

Key payment flows hospitality SaaS platforms must support

Hospitality payments differ from typical ecommerce transactions. Platforms often need to support multiple payment events across a single customer journey.

Common examples include:

• Booking deposits
• Pre-authorizations and security holds
• Tips and service charges
• Group or split payments
• Refunds after cancellations
• Multi-property reconciliation
• Payouts to venues or franchise operators

An embedded payment solution needs to support these flows without creating manual reconciliation work for merchants.

Fiska is custom built for SaaS platforms, offering full white label support and a true revenue share. Book a call to find out more.

Frequently Asked Questions (FAQ)

What makes hospitality SaaS payments different from other industries?

Hospitality businesses often process multiple payments during a single customer journey. Bookings, deposits, pre-authorisations, tips, and final payments all occur at different stages. Payment infrastructure must support these workflows while keeping reconciliation simple for merchants.

Should hospitality SaaS platforms become payment facilitators?

Some platforms choose to become PayFacs to control pricing and revenue. However, this approach introduces compliance, underwriting, and operational complexity. Many SaaS platforms prefer PayFac-as-a-Service or embedded payment partners that handle these responsibilities.

Why embed payments inside hospitality software?

Embedding payments allows platforms to automate payment flows, improve the merchant experience, and generate additional revenue. When payments are integrated directly into booking, ordering, and checkout workflows, merchants process more transactions through the platform.

Sources

¹ https://stripe.com/connect

² www.adyen.com/platforms

³ www.finix.com

Disclaimer: Competitor features, capabilities, and pricing are summarized from publicly available product pages and documentation at the time of writing. Details may vary by region, use case, integration approach, and commercial agreement, and providers may change their offerings at any time. This content shouldn’t be relied on as a definitive statement of any provider’s functionality. For the most up-to-date information, confirm directly with each provider.