• best embedded payment solutions for saas header

7 best embedded payment solutions for SaaS

June 15, 2026

Patrick Huynh

CEO

If you’re a SaaS platform searching for embedded payment solutions, chances are you’ve outgrown your current setup.

Maybe you want to monetize payments but can’t add your own markup because your provider controls the flow. Perhaps you’re frustrated by rigid onboarding that doesn’t fit your industry, or by slow support that leaves you chasing tickets for days.

With so many providers to choose from, it can feel overwhelming to know which one is right for you. To help, we’ve compared seven options.

In this article:

Fiska is an embedded payments solution specifically made for SaaS. If you’re looking for a payments partner that can help you turn payments into a source of revenue, book a no-obligation call with our experts.

Comparison table: 7 embedded payment solutions for SaaS

Below is a quick comparison table that highlights key features for each embedded solution:

Feature Fiska Stripe Connect1 Adyen for Platforms2 Finix3 Stax4 Helcim5 Rainforest6
Target market Small to medium SaaS platforms embedding omnichannel payments Marketplaces and SaaS platforms of many sizes Medium to large marketplaces and platform businesses SaaS platforms, marketplaces, and enterprises needing configurable payments infrastructure SMBs, larger businesses, and software platforms SMBs and software partners Vertical SaaS platforms
Pricing structure Interchange-plus or fixed rate, with revenue shared with your SaaS Usage-based pricing, with custom pricing and revenue tools available Interchange++ with per-transaction processing fees Custom platform pricing with configurable fee profiles and revenue models Flat-fee or subscription-style pricing with interchange-based processing options Interchange-plus with volume discounts and partner revenue share available Custom embedded payments pricing with platform revenue opportunities
Universal tokenization Yes, universal cross-channel tokenization Tokenization available, but not positioned as universal cross-channel tokenization Tokenization available within Adyen’s platform Payment, mobile, and network tokenization support Card and omnichannel tokenization features available Card tokenization available, but not positioned as universal tokenization No clear public mention
Pre-certified POS terminals Yes Yes Yes Yes No clear public mention No clear public mention No clear public mention
Omnichannel Yes Yes Yes Yes Yes Yes Yes
White-label Yes Custom and embedded options available, but not fully white-label for every account type Yes, configurable platform experience Yes Limited; Stax is generally co-branded No clear public mention Yes
Level 1 support for you Yes Yes Yes Yes Yes Yes Yes
Level 2 support for your merchants Yes No clear public mention No clear public mention No clear public mention No clear public mention No clear public mention No clear public mention

*All information presented in this blog has been sourced from provider websites and is accurate to the best of our knowledge at the time of writing (June 2026). However, providers may update their offerings, and details can change over time.

Fiska: Embedded payment solutions built for SaaS platforms

Clearly, there is no single ‘best’ embedded payment solution, and the platform that works for you will depend on your business needs. To help you figure out which solution might be a good fit, we’re going to run through seven popular options. And since we’re writing this blog, we’ll tell you about ourselves first.

Fiska is a white-label embedded payments partner that’s built exclusively for SaaS. Our goal is to give your platform a competitive edge by essentially acting as your fractional Head of Payments, helping you set competitive pricing, and supporting you with your payments strategy.

We have decades of SaaS experience, so we understand the challenges that SaaS face when trying to scale, from providing fast merchant support to managing complex compliance regulations. Think of us as the plumbing behind payments; we provide the infrastructure and work in the background so that you can focus on growing your SaaS.

Here’s what you get when you partner with Fiska:

Total control of your pricing, enabling you to monetize payments

At Fiska, we operate on a true revenue share model, which means we only make money when you do. When a merchant makes a sale through your platform, a percentage of that sale is kept by us as the payment processor. Once the interchange is deducted, we then split the remaining margin with you.

For example, imagine your SaaS processes $10 million at a 3% fee. 2% of that fee covers interchange and network costs, which leaves a margin of 1%. With a 50/50 split, you earn 0.5%, or $50,000 in additional revenue per year.

Revenue share is a straightforward way to monetize payments. We structure it as a true partnership: the more you process, the more both sides earn. That keeps us aligned with your long-term growth, and you can even negotiate a higher revenue share if you have a large transaction volume.

Because our model is revenue-share based, there are no platform fees. All fees are clearly defined in your partner agreement, and we will never change them without your approval. You’ll never be charged a fee you haven’t agreed to up front.

Read more: Why Fiska doesn’t charge fees (and how our revenue share model works).

A white-label solution with customized onboarding

Fiska is a fully integrated white-label solution, which means that everything—including merchant onboarding—happens under your own brand and within your product. We will never redirect your merchants to a third-party site, ensuring their experience remains smooth and frictionless.

That being said, it isn’t just about looks; using a white-label solution allows you to own the payments flow. You can customize onboarding flows to reflect your industry and target market, and when regulations change, you don’t have to wait months for a third-party provider to catch up. You can also diagnose and resolve issues, such as high merchant drop-off rates, more easily, leading to faster and higher rates of merchant activation.

Read more: What to look for in a white-label payment solution.

Fast response times and level 2 support for your merchants

We assign a dedicated support team to you from day one. You’ll only ever talk to the same team of people, so you won’t have to re-explain what your platform does each time you reach out for help. We’ll respond quickly, and we’re easy to contact via Slack, email, or phone.

We’ll become familiar with your business, which means we can provide both technical and strategic support. For example, we can help you conduct a pricing analysis or identify ways to increase your payment revenue whilst remaining competitive.

Additionally, if your merchants run into an issue that you can’t solve, we’ll step in with Level 2 support.

Imagine an emergency where your merchant’s terminal goes down during peak hours. Instead of you having to slog through long technical documents to work out the problem, our team will step in immediately. We’ll speak to them directly and walk through how to solve their issue, alleviating pressure on your team and ensuring your merchants get the help they need as quickly as possible.

Ready to get set up with Fiska? Book a no-obligation call with our CEO.

 Stripe Connect

stripe-connect-header

Stripe Connect is arguably one of the most popular options for SaaS companies. Stripe Connect is an embedded payments solution that primarily targets marketplaces and SaaS platforms, with well-known clients including Shopify, Doordash, Amazon, and Spotify amongst others.

When it comes to pricing, Stripe Connect has a pay-as-you-go pricing model, where costs scale with actual usage1.2. This is typically a single blended rate of 2.9% + $0.30 per online transaction1.2. Interchange-plus pricing is typically only available to platforms that process higher volumes or have custom arrangements.1.2

While it’s not universal, Stripe Connect offers tokenization for sensitive data types1.3 (such as card, bank, and identity details). Depending on your account type, you can customize and brand different parts of the user experience, with Custom accounts providing the most white-label capabilities.

Despite Stripe Connect being a convenient option that offers fast integration, there are some downsides:

  • Paying 2.9% + $0.30 per transaction can become expensive at scale, making it difficult to mark up prices to make payments profitable while remaining competitive. They also rarely negotiate fees unless you’re processing very large volumes, which can constrain your platform’s ability to optimize revenue from payments.
  • It offers you little visibility over your payments, since they redirect customers to their platform for onboarding and payments, reducing your ability to assist customers with payment issues directly.
  • When something goes wrong, Stripe’s ticket support system and reliance on online self-help can leave you scrambling to help customers when a payments emergency happens. The Stripe Connect product doesn’t have its own support system; instead, all tickets are sent through Stripe’s main support infrastructure, which could lead to you waiting days for a response.
  • Stripe’s model does not offer support to navigate strategic payment decisions such as deciding when to become a PayFac or ISO, or how to optimize pricing and user experience as payment volume scales.
  • Stripe is a mass-market solution that mainly appeals to horizontal SaaS. This means vertical SaaS might find collecting niche information or industry-specific compliance data challenging, especially if onboarding flows can’t be customized.

“Stripe does one thing very well — it gives you a box full of tools that will suit 90% of users. But as soon as you fall outside that 90%, they’ll politely tell you it’s not for them. There’s no middle ground.” Patrick Huynh, CEO of Fiska 

If you’re already using Stripe and are considering Stripe Connect, check out our guide on when it’s time to move away from Stripe. Also, take a deeper dive into Finix vs Stripe: Comparing leading SaaS payment solutions

Adyen for Platforms

adyen-for-platforms

Adyen for Platforms is another popular payment solution that’s designed specifically for marketplaces, platforms, and SaaS businesses.

They charge a fixed processing fee of $0.13 USD on top of interchange, plus an additional percentage fee dependent on the payment method. All rates are available and listed on their pricing page.2.1

Pre-certified POS terminals are available for purchase, and Adyen has extensive online resources on how to set these up. They use a ticket-based escalation system for support2.2, but offer 24/7 critical assistance in cases of fraud or system downtime2.2. Its white-label functionality includes embedded onboarding, reporting, and chargebacks2.3, and it’s also an omnichannel solution.2.4

However, since Adyen typically targets medium to large enterprises with high transaction volumes, their pricing might feel expensive for smaller or early-stage SaaS companies. Additionally, Adyen’s product suite is enterprise-focused, so support and product features may prioritize larger clients, leading to slower onboarding and support for smaller SaaS platforms.

Finix

Finix is a white-label PayFac-as-a-Service that was built for a broad user base, including software platforms, marketplaces, and individual merchants of all sizes.

Finix offers a choice of either interchange-plus or fixed-rate pricing, with separate options for the US and Canada. It’s worth noting that while opening an account with Finix is free for platforms, they charge you a $5 USD ($15 CAD) onboarding fee per merchant, and an ongoing fee of $2.50 USD ($3 CAD) per merchant each month. All fees are transparently listed on their website.3.1

Finix allows SaaS partners to create custom fee profiles for different merchants, including volume-based discounts or specific charges based on the type of transaction. They support omnichannel payments (with tokenized payment data), which is useful if your merchants process both card-present and card-not-present transactions frequently; they also provide pre-certified POS terminals if you need them.

Finix lacks specialized risk models for industries like healthcare or legal, which means you may need to invest additional effort to customize Finix’s tools. Additionally, Finix doesn’t mention offering level 2 merchant support, so if your merchants run into issues you can’t solve, you may be left handling everything alone.

Unsure whether PayFac-as-a-Service is the right model for you? Read more: When does it make sense to become a PayFac?

Stax

Alternatives to stax

Stax is both a PayFac-as-a-Service and an embedded payments platform (Stax Connect) that mainly targets retail, e-commerce, and SaaS businesses.

While their pricing for SaaS platforms isn’t publicly available, Stax charges a fixed monthly fee based on annual processing volume for retail and e-commerce businesses. They charge $99/month for up to $150K, $139/month for $150K to $250K, and $199 or more for higher volumes. Custom quotes are also available for large enterprise clients.4.1

In addition to the monthly subscription fee, you also pay a small fixed fee for each transaction. Their fee structure is transparent, with no hidden charges, no percentage markup, and no cancellation fees. Credit card payouts usually arrive within 48 hours, while ACH payouts can take around 1 to 3 business days to settle.4.2

Stax is a co-branded platform, which means the payments section of your platform would include elements of both your brand and Stax’s. New users can get started with a free pre-certified POS terminal or choose from a range of paid hardware options. Additionally, they offer dedicated level 1 support teams for you to reach out to, though it’s unclear from their website whether they offer level 2 merchant support.

Read more: PayFac-as-a-Service VS PayFac-in-a-Box

Helcim

Helcim is an embedded payments platform that targets SMBs, including online merchants, brick-and-mortar retailers, service providers, restaurants, and non-profits.

Helcim offers a “programmatic revenue share” for their SMB partners. It works by providing a unique partner token for platforms to implement into their API requests, which Helcim then uses to calculate monthly profit share. To participate, partners must first register through Helcim’s official Integration Partner Program.

They use interchange-plus pricing and have a transparent list of fees on their website.5.1 If you’re a larger business processing between <$50K and $1M+ USD in monthly volume, then you’ll benefit from the 5 tiers of volume discounts that Helcim offers.

However, it’s not a white-label solution and isn’t built to be rebranded or resold under another company’s name; this makes it better suited for businesses looking to use Helcim as-is. While they don’t provide POS terminals for free, they do sell them. You can lease a Smart Terminal from them for $349, a card reader for $99, or you can download a tap-to-pay app on your iPhone.5.1 Additionally, Helcim uses a ticket system for support, which might frustrate some users.

If you’re considering Helcim but aren’t sure if your SaaS needs a solution that’s fully white-labeled, read our guide about what to look for in a white label solution.

Rainforest

Rainforest Pay is a SaaS-specific embedded payments partner that’s geared towards software platforms and subscription-based SaaS.

Their interchange-plus pricing has two components: a volume fee and a per-item fee. The volume fee is a percentage of the payment amount, and it scales with volume. Rainforest’s per-item flat fee is applied to each transaction, however, it’s worth noting that their website doesn’t publicly list these exact figures.

Like Fiska, Rainforest has omnichannel payment capabilities and offers a fully white-labeled solution. While they don’t share revenue with their SaaS clients, they do allow clients to monetize payments by marking up the base rate. Their website doesn’t indicate whether they offer level 2 support for merchants, or if they offer pre-certified POS terminals.

Choose a partner that helps you turn payments into a competitive advantage

While there are a lot of popular options out there, we believe that Fiska is a great embedded payment solution for SaaS businesses.

Our revenue share model makes it easy to monetize payments and create a steady stream of income alongside your SaaS subscriptions. As a fully white-labeled solution, Fiska gives you complete control over how you brand and customize the payments experience. We’re available 24/7 to support you strategically, and we also provide level 2 merchant support if an issue comes up that you don’t know how to solve.

Ready to partner with Fiska? Get in touch with our experts to see how we can give your payments a competitive edge.

FAQ: Finding an embedded payment solutions for SaaS in 2026

1. How long does it take to integrate embedded payment solutions for SaaS?

Integrating embedded payments into a SaaS platform can take anywhere from a few weeks to several months, depending on the provider and level of customisation. Broad-market options like Stripe Connect or Adyen often require extensive developer resources and longer timelines. SaaS-specific providers like Fiska are designed for faster launch, with typical implementations completed in 2–6 weeks, including merchant onboarding, compliance, and white-label setup.

2. How much do embedded payment solutions cost?

The cost of embedded payment solutions is usually based on transaction fees, but pricing models vary by provider. Stripe and Adyen often charge blended or interchange-plus fees, which can add up at scale. Others, like Stax, layer on monthly subscription costs. Fiska uses a revenue-share model with no platform fees — meaning the SaaS platform earns a share of the payment processing margin, turning payments into an additional revenue stream instead of a cost centre.

3. Do I need a white-label embedded payment solution?

Most SaaS platforms benefit from a white-label embedded payment solution because it keeps the entire payment journey under their brand. This improves trust, reduces friction, and gives more control over compliance and merchant support. Some providers, like Stripe Connect or Helcim, only offer partial or no white-labelling. Fiska and Rainforest are fully white-label, letting SaaS platforms deliver a seamless branded experience while owning the payments flow.

4. What’s the best embedded payment solution for vertical SaaS?

There is no single ‘best’ embedded payment solution. We purpose-built Fiska for SaaS and provides customizable onboarding, revenue share, and level 2 merchant support, making it a strong fit for vertical SaaS businesses with complex needs.

5. How do I embed payments into my SaaS?

To embed payments into a SaaS platform, you integrate with a provider’s APIs or SDKs to handle merchant onboarding, compliance, transaction processing, and payouts directly inside your product. The key steps are selecting a provider, embedding onboarding flows, ensuring regulatory compliance (PCI-DSS, KYC/AML), and integrating payment methods into the UI. Providers like Fiska simplify this process with SaaS-focused APIs, full white-labelling, and dedicated support, so platforms can embed payments without building in-house payments expertise.

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