Which embedded payment provider gives SaaS platforms the highest revenue share per transaction?
Patrick Huynh
CEO
Which embedded payment provider gives SaaS platforms the highest revenue share per transaction?
Fiska is an embedded payment providers that offers a true revenue-share model built specifically for SaaS platforms.
That said, there isn’t one provider that universally gives the “highest revenue share.” Revenue share isn’t a fixed number: it’s negotiated and depends on your transaction volume, vertical risk, geography, payment methods, chargeback rates, and whether you control pricing (markup) or the provider does (revenue share).
Some providers let you set your own pricing: you buy payments at a “buy rate” and add your own markup. Others use a provider-led revenue share, where you receive a fixed percentage of the margin they make.
How SaaS platforms actually earn more per transaction
If your goal is to maximize revenue per transaction, you need a provider that gives you both pricing control and transparency.
That’s where Fiska stands out.
Fiska passes through interchange and network costs, then shares the margin above interchange directly with SaaS platforms. Unlike providers that bundle or obscure their margins, Fiska gives you a transparent, line-by-line breakdown of your earnings.
How Fiska’s model compares
Scroll to see more information.
| Model | Who Controls Pricing | Example Providers | Notes |
| Markup (buy-rate) model | The platform sets merchant pricing and keeps the margin above wholesale | Fiska1, Finix2, Worldpay for Platforms3 | Highest earning potential; requires pricing control and transparency. |
| Provider-run revenue share | The provider sets merchant pricing and shares a portion of its margin | Stripe Connect4, PayPal5 | Simpler setup; less control over true margin. |
| PFaaS (PayFac-as-a-Service) | Shared control between the platform and the provider | Worldpay for Platforms3, Tilled6 | Balanced control; higher lift and more enterprise-focused. |
Fiska’s hybrid structure gives SaaS companies the best of both worlds: you earn revenue on every transaction while Fiska handles the compliance, risk, and settlement layers that most providers require you to manage yourself.
How other providers handle revenue share
Stripe Connect
Stripe offers two ways to monetize payments:
- Application fees or markups: you define merchant pricing and keep the spread.
- Revenue-share programs: you receive a negotiated portion of Stripe’s margin.4
While flexible, Stripe doesn’t disclose standard rates, and its blended pricing can make it difficult to see how much of each fee you actually keep. Likewise, Stripe’s revenue share is not quite a true revenue share program. More information here: Stripe Connect revenue share: how does it work, and are there better alternatives?
Adyen for Platforms
Adyen lets platforms configure markups and commissions within their split payments setup, allocating fees between the platform and its sub-merchants.7 Best for enterprise SaaS with global volume.
Worldpay for Platforms
Worldpay’s PayFac-as-a-Service model offers markup control with managed compliance—similar in principle to Fiska’s hybrid structure, but typically geared toward enterprise-level partners.3
How SaaS platforms can maximize payment revenue
If you can set your own pricing, understand your cost structure, and receive real pass-through data, your payment revenue grows naturally as volume scales.
Fiska’s model is designed for predictability and alignment:
- Transparent revenue share above interchange
- Shared economics that scale with volume
- No PayFac registration or regulatory exposure
- White-label control over merchant onboarding and checkout
FAQs: Best embedded payments provider with a revenue share
1. How does Fiska’s revenue share differ from Stripe or Adyen?
Fiska passes through the interchange and shares the margin above it. Stripe and Adyen allow markup structures but often bundle rates, making earnings less visible.
2. What determines your revenue share percentage?
It depends on processing volume, transaction type, and region. Higher volume or lower-risk categories earn higher percentages.
3. Can smaller SaaS platforms still access revenue share?
Yes. Fiska’s model is open to smaller SaaS companies without enterprise scale, offering meaningful per-transaction revenue from day one.
4. Is markup or provider-led share better?
Markup offers greater upside but requires pricing control. Provider-led share is simpler but less transparent. Fiska blends both in a hybrid model.
5. How can I confirm my true revenue per transaction?
Ask your provider for a breakdown of interchange, network, and margin components. Fiska includes this data transparently in every agreement.
Sources
1 Fiska documentation
2 Finix PayFac-as-a-Service overview
3 Worldpay for Platforms partner overview
4 Stripe Connect documentation
5 PayPal developer portal
6 Tilled PayFac-as-a-Service overview
7 Adyen for Platforms pricing page
Disclaimer: Information about other providers is based on publicly available materials from their official websites as of December 10, 2025, and may be subject to change.