Embedded Payments

All EFR coverage of embedded payments: platforms that run payment acceptance inside their own product. New to the topic? The Embedded Payments guide on EFR explains what separates embedded payments from a redirect.

Start with the guide

SAP and Oracle (continue to) embed payments directly into their platforms

SAP and Oracle accelerate embedded payments with Adyen, Brex, and KNEX integrations. Three major announcements signal enterprise software's fintech shift.

By Lars Markull

/ 21 Oct 2025

SAP and Oracle (continue to) embed payments directly into their platforms

Gusto Launches Gusto Money: Payroll Provider Expands Into Embedded Finance With Credit, Bill Pay, and Invoicing

Gusto launches Gusto Money with embedded finance features: Payroll Bridge lending, bill pay via Melio, and invoicing. How payroll providers expand into fintech.

By Lars Markull

/ 19 Sep 2025

Gusto Launches Gusto Money: Payroll Provider Expands Into Embedded Finance With Credit, Bill Pay, and Invoicing

Rainforest's $29M Raise and New SaaS Survey Data Signal Embedded Finance Shift Beyond Payments

Rainforest raises $29M Series B as Flagship Advisory survey shows vertical SaaS companies expanding from embedded payments into lending and card issuing.

By Lars Markull

/ 11 Sep 2025

Rainforest's $29M Raise and New SaaS Survey Data Signal Embedded Finance Shift Beyond Payments

From Quote-to-Cash: PandaDoc's Embedded Payments Story with Philipp Pohlmann

How PandaDoc scaled embedded payments from startup to core product. Philipp Pohlmann on integrating fintech into SaaS and why not every company should.

By Lars Markull

/ 3 Sep 2025

From Quote-to-Cash: PandaDoc's Embedded Payments Story with Philipp Pohlmann

Dext Partners with Airwallex to Launch Embedded Payments Solution

Dext partners with Airwallex to launch embedded payments solution for accounts payable automation. Analyzing the strategic implications for accounting providers.

By Lars Markull

/ 18 Jul 2025

Peace of Mind as a Product: How ToolTime Turned Payment Friction into Their Next Revenue Stream

Discover how ToolTime built embedded finance for German craftspeople, choosing embedded banking over open banking. Real revenue insights from 20K+ users.

By Lars Markull

/ 8 Jul 2025

Peace of Mind as a Product: How ToolTime Turned Payment Friction into Their Next Revenue Stream

Xero Acquires Fintech Melio for $3B to Embed Payments in Accounting Platform

Xero acquires fintech Melio for $3B to embed payments and compete with QuickBooks. Will more non-financial brands follow with fintech acquisitions?

By Lars Markull

/ 30 Jun 2025

From Food Delivery to Embedded Finance - Wolt's Journey to Financial Services with Anniina Heinonen

Learn how Wolt transformed from food delivery platform to regulated financial institution across 20+ European markets with embedded finance products.

By Lars Markull

/ 25 Jun 2025

From Food Delivery to Embedded Finance - Wolt's Journey to Financial Services with Anniina Heinonen

ToolTime Pay Embedded Payments: Adyen Case Study Hints at Growing Adoption in German Craft Market

ToolTime Pay with Adyen: how the German craft software built embedded payments, why cards stayed at 1-2% and what HERO does differently.

By Lars Markull

/ 16 Jun 2025

Can E-Commerce Giant Mercado Libre Build Latin America's Largest Digital Bank?

Mercado Libre's Mercado Pago applies for Argentina bank license to build Latin America's largest digital bank. How fintech now drives 44% of e-commerce revenue.

By Lars Markull

/ 2 Jun 2025

Can E-Commerce Giant Mercado Libre Build Latin America's Largest Digital Bank?

Is Mollie's Dependence on Qonto a Smart Move or a Risky Bet?

Qonto and Mollie partner on payment links and embedded business accounts via Qonto Embed. Why Mollie's banking dependency on Qonto raises strategic questions.

By Lars Markull

/ 1 May 2025

From Starbucks' Wallet 1.0 to Merchant Wallets 2.0 with Arda Cagaptay

From Starbucks' $1.7B Wallet 1.0 to Merchant Wallets 2.0: Arda Cagaptay breaks down wallet evolution, how merchants drive loyalty and revenue, and what's next.

By Lars Markull

/ 1 May 2025

From Starbucks' Wallet 1.0 to Merchant Wallets 2.0 with Arda Cagaptay