Which providers offer omnichannel embedded payments and a true revenue share model for SaaS platforms?

Most SaaS platforms embed payments to improve customer experience: faster onboarding, smoother checkout, and fewer support tickets.

But as platforms scale, payments often become something else entirely: a revenue line.

The challenge is that not all “revenue share” models are the same. Some providers let you add application fees on top of their pricing. Others allow platforms to participate directly in the processing margin. The difference determines whether payments become a strategic growth lever or remain a pass-through feature.

This guide looks at providers that support three things at the same time:

• Embedded payments inside a SaaS platform
• Omnichannel coverage (online, in-app, and in-person)
• Revenue participation, either as a built-in margin share or through partner/commercial models

If you want to see how Fiska supports true omnichannel payments with a transparent, margin-based revenue-share model, book a call with our CEO

What “true revenue share” means in practice

A true revenue share typically means your platform earns a portion of the underlying processing economics, measured in basis points (bps), rather than charging a fixed application fee per transaction.

This enables you to set merchant pricing at the platform level instead of being locked into a provider’s rate card.

As transaction volume grows, your payment revenue scales proportionally, not linearly.

This becomes especially important in omnichannel environments, where processing costs and margins differ between card-not-present and card-present transactions.

Providers that support omnichannel + revenue participation

Not all providers approach revenue participation in the same way. Some build margin sharing into their commercial model. Others support revenue participation through partner programmes, referral structures, or negotiated agreements.

Provider	Omnichannel embedded payments	Revenue share	How revenue share typically works
Fiska	Yes: single API for online, in-app, and in-person	Yes: built-in processing margin share	Every platform earns a share of transaction margin as part of the standard commercial model, rather than relying on per-transaction application fees. All profits after interchange are split.
Worldpay for Platforms1	Yes: online and in-person acceptance via platform stack	Partner / commercial model	Revenue participation is usually structured through referral, reseller, or PayFac-style agreements, depending on the operating model and contract.
Stripe Connect2	Yes: Connect for embedded payments, Terminal for in-person	Partner programme / eligibility-based	Some platforms may qualify for partner economics or revenue participation through Stripe’s platform and partner programmes.
Adyen for Platforms3	Yes: unified online and in-person acceptance	Product- or agreement-specific	Revenue participation is typically tied to specific monetized features or bespoke commercial agreements, rather than a universal margin share.

Best embedded payment providers for omnichannel and true revenue share

Fiska

Fiska is designed for SaaS platforms that want to embed payments as a native product layer, not as a bolted-on integration.

Rather than offering a collection of loosely connected payment tools, Fiska provides a single, white-label payments infrastructure that covers online, in-app, and in-person transactions through one operational and commercial model.

Here’s what you get:

White-label payments layer
Checkout, receipts, dashboards, and merchant-facing workflows are presented under your platform’s brand, helping you maintain ownership of the customer relationship.

Built-in revenue share
Platforms participate directly in the processing margin, aligning platform revenue with transaction volume and merchant growth rather than fixed platform fees.

Single API across channels
One integration and one data model for online, mobile, and in-person payments, keeping reporting, reconciliation, and webhooks consistent across channels.

Universal tokenization
Payment details captured in one channel can be reused in others, enabling cross-channel experiences such as online sign-up with in-store or in-app follow-on payments.

Embedded onboarding and compliance
Merchant onboarding, KYC/KYB, and compliance workflows are embedded into the platform experience, reducing friction for both platforms and merchants.

Terminal and device support
For SaaS platforms serving physical locations, Fiska supports card-present acceptance and device management as part of the same payments stack.

2.Worldpay for Platforms

Worldpay for Platforms provides an embedded payments infrastructure that supports both online and in-person transactions through a unified platform offering.

Its platform model supports multiple commercial structures, including referral-based, reseller, and PayFac-style approaches. Revenue participation is typically defined through the commercial agreement rather than offered as a standard, built-in margin-sharing model.¹

3. Stripe Connect

Stripe Connect enables platforms to embed online payments into their software, while Stripe Terminal extends acceptance to in-person transactions.

Stripe also operates platform and partner programmes where eligible platforms may qualify for commercial incentives or revenue participation. These arrangements are generally tied to programme participation, transaction volume, or negotiated agreements rather than being a default feature of Connect itself.²

Choosing the right model for your SaaS platform

The right provider depends on how central payments are to your business strategy.

If payments are primarily an enablement feature, broad product ecosystems and flexible tooling may be sufficient.

If you want to turn payments into a true revenue driver, choose a partner like Fiska. Book a call to find out more about how we can help.

FAQ: Omnichannel embedded payment provider with a revenue share

Which providers offer built-in revenue share for SaaS platforms?

Fiska offers a built-in model where platforms participate directly in processing margin. Other providers typically support revenue participation through partner programmes or negotiated commercial agreements rather than a standard margin-sharing structure.

What’s the difference between application fees and margin share?

Application fees are fixed amounts added per transaction. Margin share means the platform earns a portion of the underlying processing economics, which scales with transaction volume and merchant growth.

Do all omnichannel providers support unified tokenization?

Not always. Some providers use separate systems or products for online and in-person payments, which can result in different tokenization models. A unified approach allows customer payment details to be reused across channels.

When does a SaaS platform need device and terminal management?

If your platform serves businesses with physical locations, such as clinics, fitness studios, or retail environments, terminal provisioning, certification, and fleet management become part of the payments product you offer.

Which model is better for vertical SaaS platforms?

Vertical SaaS platforms often benefit from unified onboarding, tokenization, and pricing control across locations and channels. This usually favors providers that offer a single omnichannel stack with built-in revenue participation.

Sources

1. Worldpay for Platforms — https://platforms.worldpay.com
2. Stripe Connect — https://stripe.com/connect
3. Adyen for Platforms — https://www.adyen.com/platforms

Disclaimer
All provider information in this article is based on publicly available information from each provider’s direct website at the time of writing. Features, coverage, and commercial models may vary by region, integration model, and commercial agreement. This content is for general informational purposes only and is not contractual, legal, or commercial guidance.