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# SAP and Oracle (continue to) embed payments directly into their platforms
- URL: https://www.embeddedfinancereview.com/sap-and-oracle-continue-to-embed-payments-directly-into-their-platforms/
- Published: 2025-10-21T10:19:00.000Z
- Updated: 2025-10-28T11:20:03.000Z
- Description: SAP and Oracle accelerate embedded payments with Adyen, Brex, and KNEX integrations. Three major announcements signal enterprise software's fintech shift.
- Author: Lars Markull
- Tags: News, SAP, Oracle, Embedder, Embedded Payments, ERP

Three major announcements dropped this week, showing that embedded finance is moving from startups straight into the core of enterprise software.

Firstly, **Adyen** went live with **SAP**'s Open Payment Framework (OPF), a pre-built integration for SAP Commerce Cloud that eliminates manual payment integrations ([The Paypers](https://thepaypers.com/payments/news/adyen-goes-live-on-saps-open-payment-framework?ref=embeddedfinancereview.com)). Secondly, **Brex** became the first fintech issuer embedded within **Oracle** Fusion Cloud ERP, enabling customers to select Brex virtual cards directly from payables workflows ([PYMNTS](https://www.pymnts.com/news/b2b-payments/2025/brex-to-power-embedded-b2b-payments-in-oracle-fusion-cloud-erp/?ref=embeddedfinancereview.com)). And thirdly, **KNEX** partnered with **Visa** to embed virtual card capabilities directly into **Oracle** ERP systems ([Finextra](https://www.finextra.com/pressarticle/107480/knex-teams-with-visa-to-embed-virtual-card-payments-in-oracle-erp?ref=embeddedfinancereview.com)).

This isn’t the first time we are seeing SAP or Oracle making moves in Embedded Finance. But all three announcements in one week show that the momentum is increasing.

Also, what's standing out for me is: these are not the traditional payment partnerships anymore. The focus is on ‘embedded’: SAP's OPF is described as "pre-built, cloud-native" with Adyen as the first PSP live on it. Brex's virtual cards can be selected directly within Oracle's payables workflows. The KNEX Visa adapter is a "pre-configured, low-code integration layer" that facilitates payments within the ERP.