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Saas

Strengthen your SaaS platform with embedded payments

Help users run and grow their restaurants, hotels, or stores with payments built into your platform. Enable fast payouts, simple onboarding, and financial services without adding complexity. *Embedded Finance: EU, UK, US. Capital and Payouts: AU.

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Trusted by leading global SaaS platforms

Embedded payments is a US$185 billion opportunity

Create deeper customer relationships and extend customer contracts, all with embedded payments. Our research with Boston Consulting Group shows just how big the upside is.

of SMBs want financial services from the platform they use 40%
revenue growth for SaaS platforms that embed finance 3–4x
of the opportunity remains untapped 80%

Drive stickiness and increase revenue

Build deeper loyalty by embedding financial services directly into your ecosystem. Increase customer retention and lifetime value by keeping users within your brand.

Unified payments under your brand

Offer a white-labelled payment experience across every channel, whether that’s online, in-store, or in-app. It’s all powered by a single infrastructure.

Risk and compliance, handled

Scale globally without the regulatory headache. We manage KYC, AML, and PCI compliance so you can focus on your product, not the liability.

One integration, global scale

Go live in new markets in weeks, not months. One integration gives you local acquiring and fast payouts worldwide.

Build your own payment experience

Adyen combines leading technology with bank-backed compliance. You can offer financial products to users without becoming a bank yourself.

Let users sign up, sell, and get paid in one place: Become your users’ go-to financial hub. Get users onboarded quickly and keep them around with features they’ll love.

Simplified onboarding

Bring users onboard with hosted, embedded, or fully branded experiences.

Reliable payouts

Give users fast, predictable access to their funds.

Integrated with your brand

Get started faster with pre-built UI components. Use the APIs to design a fully custom experience. Everything from onboarding to the card swipe is built under your brand.

Reduce risk with built-in compliance: Scale your platform faster. Adyen handles the complexities of global compliance and risk management.

Automated compliance

From KYC and AML to PSD2 and DAC7, we manage evolving regulations across markets.

Enterprise protection

Use AI-driven fraud defense and real-time risk scoring to keep your business safe.

Reduced liability

Offload the burden of PCI DSS and regulatory reporting while maintaining full control over your user experience.

Open up new monetisation models: Set up custom split payments and reprice on the fly. You never need to touch a line of code to make a change.

New revenue streams

Capture a percentage of every transaction and open new margins with integrated add-ons like FX conversion and specialised payouts.

Customised monetisation models

Easily configure platform fees, commissions, and split payments to fit your business model and your sub-merchants' needs.

Predictable margins

Choose between blended pricing for predictable margins or IC++ for total transparency. You have the flexibility to win both SMBs and enterprise customers.

Offer the largest fleet of in-person payment terminals to your customers

Let customers accept payments anytime, anywhere. From quick taps to card insertions, our terminals are built to handle any kind of payment.

Explore terminals

Engineered for excellence

Every feature inside of Adyen is designed to compound. Together, it forms the most intelligent money movement architecture available.

Dynamic identification

Our unified data infrastructure recognises 95% of shoppers. By leveraging high-fidelity data, our AI systems speed up fraud detection, seamlessly pass trusted buyers through checkout and deliver smarter, real-time decision-making across financial products.

Banking licences

Our banking licences in the UK, the US, and the EU mean your money stays with one provider. There are no third parties to interrupt your experience.

Single platform

We’ve built our entire platform in house. It’s a single, unified tech stack that gives you more data, control, and inter-operability.

How to sell embedded payments

Learn how your business can transition from software provider to indispensable financial hubs. Read our playbook on how to accelerate embedded payments adoption across your user base.

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Epos Now transformed into a global full-suite fintech platform

Epos Now embedded payments, capital, and issuing into its platform. Now their users can open accounts in less than 24 hours—and start using the platform faster. *Issuing and Accounts available in EU, UK, and US only.

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Jackrabbit Technologies cut cash flow hurdles for youth centres

Jackrabbit Technologies uses Adyen Capital to offer dance studios and swim schools fast access to pre-approved funding. Now their customers can get a loan for equipment upgrades or facility expansions as soon as they need it.

Smiling woman engaged in conversation with colleagues using a tablet displaying a payment application.

Lightspeed empowered merchants with unified omnichannel payments

Lightspeed launched Lightspeed Payments to provide retail and hospitality brands with a one-stop-shop payment experience. Now their customers can quickly pivot between in-store and e-commerce sales.

Main illustrated visual of the Embedded Finance podcast.

SumUp and BCG explore the US$185 billion embedded finance frontier

Listen along as leaders from SumUp and Boston Consulting Group (BCG) discuss how embedded finance is transforming SaaS platforms into full-service operating systems. *Embedded Finance is available in the EU, UK, and US. Capital and Payouts available in AU.

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Engineered for excellence

Every feature inside of Adyen is designed to compound. Together, it forms the most intelligent money movement architecture available.

Dynamic identification

Our unified data infrastructure means we recognize 95% of shoppers. Our AI systems can use reliable data to make faster fraud decisions and move more trusted shoppers through checkout.

Banking licenses

Our banking licences in the US, UK and EU mean your money stays with one provider. There are no third parties to interrupt your experience. 

Single platform

We’ve built our entire platform in house without any mergers or acquisitions. It’s a single, unified tech stack that gives you more data, control and inter-operability. 

Make your platform even more valuable

Go beyond payments. Give your users the financial tools they need to run and grow their business, all inside your existing environment.

Explore Embedded Finance

Be more than just another tool in their tech stack

Give your users the tools they need to grow. Adyen lets you turn your platform into their go-to financial hub.

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