Embedded Payments
Payment processing integrated directly into software platforms and business applications.
What is Embedded Payments?
Embedded payments refers to payment processing functionality built directly into software platforms, SaaS applications, and business tools—rather than requiring separate payment terminals or processors. When your CRM, invoicing system, or industry-specific software includes built-in payment acceptance, that's embedded payments. This integration streamlines workflows, improves data accuracy, and often creates new revenue streams for software companies.
Why It Matters
Embedded payments eliminate the disconnect between business operations and payment acceptance. Instead of processing payments separately and reconciling manually, transactions happen within your operational workflow. For software companies, embedding payments creates sticky relationships and recurring revenue. For merchants, it means less friction and better automation.
Related Terms
Payment Facilitator (PayFac)
A company that enables merchants to accept payments under its master merchant account.
Accounts Receivable Automation
Technology that automates invoicing, payment collection, and cash application processes.
Payment Reconciliation
The process of matching payment transactions with deposits and accounting records.
Payment Orchestration
A software layer that routes transactions across multiple payment providers intelligently.
Frequently Asked Questions
Traditional processing is separate from business software—you run transactions on a terminal, then enter them in your system. Embedded payments happen within your business software automatically.
It depends on the platform. Many embedded payment solutions use PayFac models where you're a sub-merchant. Others facilitate traditional merchant accounts.
Shopify Payments, Toast (restaurants), ServiceTitan (home services), and many vertical SaaS platforms with built-in payment acceptance.
Simplify your payment operations
Anchorbase connects payments directly to your ERP with automated reconciliation. Zero platform fees.