Best SaaS platform payment solutions with revenue share: Earn a share of transaction fees
Patrick Huynh
CEO
If you’re researching SaaS payment solutions with revenue share, it usually means your current setup is starting to feel limiting. Maybe you’re stuck with fixed pricing, your margins don’t scale as you grow, or you’re forced into a checkout and payment experience you don’t fully control.
A revenue share model can change that, but it’s not always obvious which providers genuinely offer it, how those models work in practice, or what “good” looks like for your specific platform.
That’s why we wrote this article: to help you compare SaaS payment solutions with revenue share and choose the option that fits your business. We’ll cover:
- What is a true revenue share?
- The benefits of a revenue share model for SaaS platforms
- What providers offer revenue shares?
- Why SaaS platforms looking for a revenue share are choosing Fiska
Ready to take control of your payments experience and start earning more revenue? Book a call with our SaaS experts to learn how we can help.
What is a true revenue share?
The most common fee structure in payments is the fee-on-top model: you take a provider’s processing price and add a small markup. Even though you’re earning money per transaction, it isn’t a true revenue share. You’re not sharing in the underlying economics of the payment: you’re simply charging your own additional fee on top of someone else’s rate.
In contrast, with a true revenue share model, you earn a share of every transaction processed through your platform. This is how it works:
- There is an underlying cost to process every card payment, which is driven primarily by interchange (the fee paid to the cardholder’s bank).
- You set the price your merchants pay for card processing, keeping it within a competitive range for your industry.
- The difference between the price your merchant pays and the underlying cost to process the payment creates a margin.
- You share the margin with your payment provider.
The actual split of profit over interchange varies depending on your provider.
The benefits of a revenue share model for SaaS platforms
Some of the main benefits of a revenue share model include:
- You benefit from a usage-based, recurring revenue stream that doesn’t require raising subscription prices.
- You have more control over pricing because you set the price your merchants pay based on interchange, not your provider’s fee. For instance, you could set your merchant price to match Stripe’s 2.9% + 30¢ per transaction fee, and your revenue would be the difference between that price and interchange (split with your provider). This enables you to earn revenue while remaining competitive.
- Your revenue increases as your merchants transact more, not just when you acquire more merchants, so their success is your success. This means everyone involved is incentivized for success. When a merchant does well, you do well, and when you do well, your payment partner does well.
What providers offer revenue shares?
A lot of providers say they offer “revenue share,” but in practice, that label can mean very different models.
Sometimes it’s just a markup model dressed up, and even when it is a true revenue share, providers differ a lot in what they actually support and how the partnership works. That’s what makes comparing options (and choosing the right one) tricky.
To help, we’ve compared four payment solutions that share revenue with SaaS platforms.
Here are four top providers at a glance:
| Feature | Fiska | Tilled | Zenti | Stax Payment |
| Revenue share model | True revenue share | Revenue share with split percentage that varies by package | Integrated revenue share or referral partner with commission | Subscription-based pricing with small per-transaction fee |
| Fees | No platform or monthly fees | $5,000 to $30,000 per month | Vary based on business type, processing volume, and overall risk level | $99 to $199+ per month |
| Branding | Fully white-label payments and onboarding | White labeling supported | Co-branded | White labeling supported |
| Support | Dedicated support team + level 2 merchant support | Standard merchant support; premium support + white-label merchant support with some packages | Dedicated account managers | Onboarding + enrollment support |
1. Fiska
Since we’re writing this article, we’ll start with ourselves. Fiska is an embedded payments platform designed specifically for SaaS companies. Our company was founded by SaaS and payments professionals who believe payments should be a growth driver, not a bottleneck. We understand the value in forming a true partnership with our clients, and in a partnership, a revenue share is the only fair deal.
We offer a true revenue share with a 50/50 split of the margin on all profits above interchange. With this approach, you control your markup above interchange and we split the difference, turning payments into a scalable, recurring revenue source without fixed fees. Because our pricing is transparently tied to interchange, you have full clarity into your unit economics, giving you the flexibility to stay competitive while maximizing margins.
Additionally, we don’t charge platform or monthly fees, so you can get started accepting payments without any extra upfront costs.
We support a fully white-label payments and onboarding experience, meaning you keep complete brand ownership and your merchants onboard and transact under your brand.
As a true partner to all our payments clients, we provide you with a dedicated support team made up of payments experts that can be reached via phone, email, or Slack. We also offer level 2 merchant support in instances where your merchant has an issue you can’t solve on your own.
Because we partner exclusively with SaaS businesses, every part of our platform – from the API to customer support – is purpose-built to meet the unique needs of software companies like yours.
Here are three reasons businesses choose to work with us:
1. Create a smoother customer experience with white-label payments
We provide a completely white-labeled payments experience, allowing you to showcase your own branding, design elements, and messaging throughout onboarding, at checkout, and on receipts.
By keeping your brand consistently visible, the payments experience feels like a seamless part of your software. Merchants and their customers experience your platform as one unified product, rather than a separate payments system layered on top of a third-party provider.
This unified approach minimizes friction, strengthens trust, and positions your platform as the central system powering the business.
Read more: What to look for in a white-label payment solution
2. Increase merchant retention with omnichannel payments and simplified checkout
Today’s merchants and their customers expect payments to be effortless no matter where they’re transacting – whether online, in-store, or on mobile.
Fiska enables you to deliver on those expectations with omnichannel payment support and universal tokenization. Omnichannel capabilities allow a customer’s payment information to be securely saved once and used across every merchant and channel within your platform. With universal tokenization, customers can enjoy streamlined, one-click checkouts without repeatedly entering card or shipping information.
For merchants, this translates into stronger conversion rates, fewer abandoned carts, and increased repeat business. As a result, more payment volume runs through your platform, and merchant retention improves because you’re helping them provide a smooth, high-quality customer experience.
Read more: Omnichannel payment solutions for SaaS: A guide
3. Monetize and scale payments with a true partner and dedicated support team
We’re not just a payment provider – we’re a payment partner. The difference lies in the level of support offered and the relationship we develop with our clients.
Instead of ticket-based support, we provide a dedicated team of payment experts who get to know your business inside and out and is available via Slack, email, or phone. We work as an extension of your team, offering guidance on things that matter most, like setting merchant pricing and improving your onboarding flows.
We can also provide level 2 support to your merchants when they run into issues you can’t help them resolve on your own.
Ready to start monetizing payments? Book a call with our team to learn how we can help.
2. Tilled
PayFac-as-a-service Tilled offers a revenue share model, but the percentage of margin it splits with you varies based on the package you choose.
Revenue share is 70% with the Start-Up package, which has a $500 per month fee and is recommended for companies processing less than $5 million monthly.1 Revenue share increases up to 95% with the Enterprise package, but the monthly fee is $30,000, and this option is only recommended for acquirers, processors, and card networks.2
With Tilled, white-label functionality is available for merchants onboarding, consoles, transactional emails, and payment links.3 Merchant support is offered, and depending on your plan type, premium and white-label merchant support may also be available; however, it’s not immediately clear how standard and premium support differ.1
3. Zenti
Zenti is a financial technology company that specializes in high-risk industries, such as adult entertainment, e-cigarettes, and travel. It offers integrated revenue share or referral partner with commission model.4 The company’s fees vary based on your business type, processing volume, and overall risk level.5
Zenti doesn’t support white label payments: instead, the experience is co-branded. Where Zenti stands out is with its support. You get a dedicated account manager who can provide personalized assistance tailored to your industry, including support for onboarding, integration, and ongoing account management.6
4. Stax Payment
Stax Payment, a payment processing platform built for SMBs, doesn’t offer a traditional revenue share model. Instead of adding an extra percentage-based cut on top of interchange, the company makes money through subscription-based pricing with a small per-transaction fee.
The subscription price you pay is determined by your processing volume and doesn’t include the cents-per-transaction fee. For example, if you process up to $150,000 per year, your subscription fee is $99 per month. The fee increases to $199+ for companies processing $250,000+ per year. Per transaction processing fees are clearly listed on Stax’s website.7
Stax Payment supports white labeling for custom onboarding and enrollment flows and offers onboarding and enrollment support.
Earn more from payments with Fiska’s true revenue share model
We believe that our true revenue share model turns payments into a growth lever, giving you transparent earnings, flexible monetization, and full control over your payment strategy as you scale. We do the heavy lifting, such as handling compliance and regulations, so you can monetize payments without becoming a payments expert.
Ready to start earning more from the payments processed through your platform? Book a call with our team to learn more about how we can help.
FAQ: SaaS payment solutions with revenue share
What is a SaaS payment solution with a revenue share?
A SaaS payment solution with a revenue share is a payment provider that shares revenue back with SaaS companies. With a true revenue share model like ours, you set your own pricing, and we split the revenue above interchange.
What should I look for in a revenue-share payment partner?
The ideal revenue-share payment partner will offer a true revenue share model and no monthly fees. Other things to consider are the level of support offered and whether or not the provider supports white labeling and omnichannel payments.
When does a revenue-share payment solution make sense?
Working with a revenue-share payment solution makes sense when you’ve outgrown your current payment provider and are ready to start earning more from the payments processed through your platform.
What is revenue sharing in SaaS payments?
It’s when a SaaS company earns a portion of the processing fees from transactions completed through its platform.
Which providers offer white-labeled solutions?
Providers like Fiska offer fully white-labeled platforms, while others may include co-branding or shared interfaces.
Do SaaS platforms need to manage PCI compliance?
Most providers assist with PCI compliance, but the level of responsibility varies depending on integration type.
Are revenue-sharing models suitable for startups?
Yes, particularly those with no monthly fees or referral structures. These models reduce upfront risk.
What’s the tradeoff between flat-rate pricing and revenue share?
Flat-rate pricing offers predictability, while revenue share scales with transaction volume. The best choice depends on your monetization goals.
Sources:
1. https://www.tilled.com/pricing
2. https://www.tilled.com/enterprise
3. https://www.tilled.com/white-label
4. https://zenti.com/revenue-partners/
5. https://zenti.com/high-risk-merchant-account-price-guide/