If you’re a SaaS platform offering embedded payment processing, you might be starting to hit some friction with your current setup, or simply wondering what else is out there.

Many SaaS businesses reach a point where they want more control over branding, pricing, or how support is handled.

Here are some of the common challenges we hear from SaaS teams:

• You want to offer payments under your own brand: As your platform scales and your brand becomes more central to the user experience, it’s natural to want the payment flow to match. A co-branded or third-party flow can break that immersion.
• You need more flexibility and control: Whether it’s onboarding flows, merchant pricing, or support processes, SaaS platforms often need more flexibility than standard reseller or partner programs offer.
• Your support team is handling complex payment issues alone: Most providers give you the tools and documentation, but expect you to handle all merchant communications yourself. That works until an issue crops up that your team can’t fix.

If any of that sounds familiar, this article is for you.

Below, we’ll compare five Stax alternatives well-suited to SaaS platforms and show how they differ when it comes to branding, support, pricing, and long-term growth.

In this article:

• Five alternatives to Stax
• Fiska
• Rainforest
• Tilled
• Cardknox (Sola)
• Finix

Prefer to talk to an embedded payments expert? Get in touch with our CEO today.

Five alternatives to Stax

Category	Fiska	Stax1	Rainforest2	Tilled3	Sola Payments4	Finix5
Target market	SaaS platforms that want strategic embedded payments support	ISVs, SaaS platforms, SMBs, agencies, and businesses embedding payments	Vertical SaaS platforms	Software companies looking to offer PayFac-as-a-Service	ISVs, developers, merchants, and businesses across online, mobile, and in-person channels	Platforms, marketplaces, PayFacs, SaaS companies, and businesses needing configurable payments infrastructure
Pricing structure	Interchange-plus or fixed-rate pricing, with revenue shared with your SaaS	Subscription-style processing and embedded payments partnership models	Custom embedded payments pricing with platform revenue opportunities	PayFac-as-a-Service pricing with revenue-share opportunities	Customizable pricing with optional revenue-share models	Flat rate, dynamic, or custom platform pricing
Industry focus	Built for SaaS platforms	Broad SMB, ISV, SaaS, and service-business use cases	Built for vertical SaaS platforms	Built for software companies that want embedded payment facilitation	Broad integrated payments provider for ISVs, developers, and merchants	Broad payments infrastructure for platforms, marketplaces, retail, ecommerce, and SaaS
Omnichannel	Yes	Yes	Yes	Yes	Yes	Yes
White-labeling	Yes	Yes, white-label capabilities through Stax Connect	Yes	Yes	Yes	Yes
Universal tokenization	Yes, universal cross-channel tokenization	Tokenization features available, but universal tokenization is not clearly claimed	Stored payment method support, but universal tokenization is not clearly claimed	Reusable payment method support, but universal tokenization is not clearly claimed	Stored customer and payment method support, but universal tokenization is not clearly claimed	Payment, mobile, and network tokenization support, but universal tokenization is not clearly claimed
Level 1 support	Yes	Yes	Yes	Yes	Yes	Yes
Level 2 support for your merchants	Yes	Support options available, but Level 2 merchant support is not clearly stated	No clear public mention	No clear public mention	Support options available, but Level 2 merchant support is not clearly stated	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

Let’s start with ourselves, since we’re writing this.

Fiska was built for SaaS platforms that want to take control of their payments.We’re more than a processor or middleware provider. We’re your strategic partner: helping you embed payments under your own brand, shape pricing to suit your model, and support both your team and your merchants at scale.

We act as your fractional Head of Payments, working quietly in the background while giving you full control over the experience, economics, and relationship with your users.

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

Embedded onboarding and fully white-labeled experience

As your platform grows, so does the need for brand consistency and a smooth user journey. With most payment platforms, you lose that control.

Merchants are pushed to third-party portals. Logos change. Support comes from someone else’s domain. At best, it’s confusing. At worst, it undermines trust.

Fiska offers a fully white-labeled payment solution, including custom-branded onboarding, checkout, point-of-sale (POS) terminals, receipts, and support. Everything happens within your product, under your name.

The merchant never needs to know who Fiska is—and that’s the point.

Our onboarding flow is built to live natively inside your platform. It’s configurable, branded, and gives you full visibility. You can track progress, pre-fill forms, or trigger support before your users hit a blocker. And because you own it, you can optimise and refine it to match your acquisition goals over time.

The same goes for pricing. Whether you want to offer low fees to drive adoption or bake payments into premium service tiers, the model is yours to design. We’ll advise on the trade-offs and help you shape and optimize the strategy, but we’ll never impose one on you.

Read more: What you need to know about pricing models in SaaS payments

A single API for omnichannel payments

Fiska’s API connects your platform to online, in-person, and mobile payments through a single integration. That means your merchants can sell wherever their customers are, without you needing to patch together different providers or build custom logic.

The infrastructure behind that experience is robust and battle-tested. We handle everything from payment routing and terminal configuration to merchant onboarding and settlement. So you can focus on building your platform, not debugging a payment flow.

And unlike generic APIs designed for direct merchants, Fiska’s tooling is built specifically for SaaS platforms. That means native support for multi-merchant platforms, pass-through data fields for real-time reporting, and direct integration into your own merchant management UI.

Transparent pricing with aligned incentives

Fiska uses Interchange++ pricing—just like Stax, Tilled, and others. But unlike most providers, we don’t charge fixed monthly fees or licensing costs. We operate on a revenue-share model: you set your margin, and we share in the profit once costs are covered.

There are no setup fees. No minimums. No platform subscriptions that drain your margin while you’re scaling. You start earning from day one, and your costs scale with your growth, not against it.

This model keeps our incentives aligned. We’re motivated to help you grow your payment revenue, not just process volume. And it gives you total flexibility to set pricing that fits your market—whether that’s competitive rates, bundled offers, or premium markups.

Read more: Why Fiska doesn’t charge fixed fees (and how our partnership model works)

Universal tokenization for cross-merchant and cross-channel payments

Most platforms today rely on standard token vaults. These work fine for single-merchant setups, but falls short when customers transact across your ecosystem. A token saved at one merchant can’t be used elsewhere. Cards need to be re-entered, refunds get messy, and the experience breaks down.

Fiska solves this with universal tokenization.

Each end-user has one token that works across all your merchants and all channels—online, in-store, mobile, and recurring billing. This unlocks frictionless checkout across your platform.

For instance, a customer can save their credit card once with one merchant and use it instantly with another. They can pay in person and get refunded online, or subscribe via app, then update payment details via web. You can even support one-click checkout across unrelated merchants.

This functionality allows your platform to replicate the seamless commerce experience of Amazon or Shopify, without needing a massive engineering team to stitch it together.

None of the other providers in this comparison offer this natively, at time of writing.

Learn more: Universal tokenization: How it works and how it can benefit SaaS platforms

Level 2 support for your merchants (when you need it)

Most payment providers stop at API docs and merchant dashboards. When something breaks, your support team gets stuck in the middle, trying to explain card network errors or compliance issues they didn’t cause and can’t resolve.

At Fiska, we give you two layers of support. Your internal team has direct access to us via Slack, phone, or email—whichever suits your workflow best. And when your merchants run into problems your team can’t fix, we can step in directly.

We stay invisible when you want to own the support experience, but we’re always ready to represent your platform and help your merchants when things get complex. That means no escalation headaches, no dead ends, and no awkward handoffs to third-party support.

Rainforest

Rainforest is a U.S.-based payment provider that offers embedded payments infrastructure tailored for vertical SaaS platforms. It supports omnichannel payments and provides a white-label experience. The company uses Interchange++ pricing and allows platforms to generate revenue by marking up the base rate.

Rainforest’s model is designed to help platforms avoid the complexity of handling compliance or risk directly. However, its website does not mention whether Level 2 support is provided for merchants, nor does it specify whether it offers universal tokenization, which could affect platforms aiming to unify payment experiences across merchants or channels.

Tilled

Tilled offers a “PayFac-as-a-Service” model aimed at software platforms that want to monetize payments without becoming a registered payment facilitator. Its API is designed to be easy to integrate, and it includes built-in merchant onboarding, revenue sharing, and support for omnichannel transactions.

Tilled advertises the ability to brand parts of the merchant experience, though full white-label control is not explicitly stated. Like Rainforest, Level 2 support for merchants is not mentioned in their public materials, and there is no reference to universal tokenization.

Want to learn more about PayFac as a service and PayFac in a box? Check out our guide: PayFac-as-a-Service vs PayFac-in-a-Box

Sola Payments

Cardknox (Sola) is a payment gateway and processing platform serving ISVs, VARs, and software providers. It supports both in-person and online payments and provides a PayFac-as-a-Service solution for platforms looking to embed payments into their offering.

Cardknox supports some degree of branding, though it is not clear whether this extends to a fully white-labeled experience. Its website does not mention universal tokenization, and Level 2 support is not listed as a core service offering.

Finix

Finix provides payment infrastructure to platforms, marketplaces, and fintechs. It offers a full-stack solution that includes onboarding, transaction processing, and settlement. Finix supports omnichannel use cases and is positioned as an alternative to building in-house payment systems.

Finix’s platform is highly configurable, which may be suited to teams with internal development resources. However, public documentation does not confirm the availability of universal tokenization, and merchant support responsibilities typically remain with the platform unless otherwise arranged.

Choose the right payments partner for your platform

There’s no shortage of providers offering embedded payments—but not all are built with SaaS at front of mind. Many solutions were designed for direct merchant relationships, then adapted for platforms later. Others focus more on infrastructure than ongoing support.

Fiska was designed from the ground up to serve software platforms. Our team comes from SaaS. We understand the demands of building a scalable product, supporting a growing merchant base, and turning payments from a cost centre into a new revenue stream.

With Fiska, you can:

• Embed payments natively into your product
• Brand every part of the experience as your own
• Set pricing that works for your busines
• Get hands-on support for your team and your merchants
• Launch faster, and scale without friction

If you’re looking for a payments partner that fits around your platform—not the other way around—Fiska may be a good fit.

Do you have questions about how we can help support your platform? Get in touch with our team to learn more.

Sources

1. https://staxpayments.com/
2. https://www.rainforestpay.com/
3. https://www.tilled.com/
4. https://solapayments.com/

FAQs about embedded payments for SaaS platforms

How should SaaS platforms choose an embedded payments provider?

SaaS platforms should start by deciding what role payments will play in the business.

If payments are mainly a convenience feature, a simpler setup may be enough. If payments are a core revenue stream or a major part of the customer experience, you’ll likely want more control over pricing, onboarding, reporting, tokenization, and support.

It’s also worth looking at how much help you’ll need after launch. The integration itself is only one part of the decision. Ongoing support, merchant issue resolution, risk management, and payment strategy can have a big impact as your platform scales.

What is the difference between a payment processor and an embedded payments partner?

A payment processor helps you accept and move payments. An embedded payments partner helps you build payments into your software product.

That difference matters for SaaS platforms. A processor may give you APIs, dashboards, and documentation. A true embedded payments partner should also help with merchant onboarding, pricing strategy, support workflows, reporting, compliance, and the user experience your merchants see inside your platform.

What payment features matter most for SaaS platforms?

The most important features usually depend on your merchants and how they accept payments.

For many SaaS platforms, key features include white-label onboarding, omnichannel payments, terminal support, flexible pricing, revenue sharing, reporting, chargeback tools, tokenization, and responsive support.

If your merchants sell across multiple channels, omnichannel payments and tokenization become especially important. If your platform wants to monetize payments, pricing control and revenue-share terms become more important.