Embedded payments for SaaS platforms
Embedded payments. Built your way.
Whether you’re exploring payments for the first time, looking to increase monetization, or preparing to become a PayFac, Infinicept helps software platforms embed payments while maintaining control of the customer experience, revenue opportunity, and future direction.
Is this you?
Four paths. One solution.
Wherever you are on your payments journey, there’s a way forward that fits.
I’m exploring payments
I want to understand whether payments makes sense for my platform.
I want embedded payments
I want to monetize payments without becoming a PayFac.
I want more control
I want ownership of my merchants and customer experience without taking on risk.
I’m ready for more
I want a path toward operating my own PayFac program.
Choose your model
Not every SaaS platform needs the same payments strategy.
Most software companies think there are only two choices: refer merchants out or become a PayFac.
There’s a third option that delivers control, ownership, and monetization without taking on operational liability.
CAPABILITY
Referral
The goal is choosing the model that best aligns with your business today while preserving the freedom to evolve tomorrow.
Maximum control. Zero liability.
Your merchants. Your brand. Your data.
The problem
Too many providers ask you to hand over merchant relationships while keeping critical payments decisions hidden behind the curtain.
Your merchants still blame you when funding holds occur, applications are declined, or fees don’t make sense, but you have no visibility into what happened.
With Launchpay
- Your brand appears throughout the merchant experience
- You set your pricing strategy
- You maintain the merchant relationship
- Infinicept manages underwriting, compliance, fraud, chargebacks, and risk
- VISIBILITY YOU CAN ACT ON
Underwriting decisions and rationale
Own your customers. Other people will try and take them.
— Doug Levy, CEO, TapGoods
Flexibility without lock-in
Most providers make it easy to start, but hard to leave
Your payments provider shouldn’t dictate your future.
Choose your gateway.
Configure your experience.
Set your pricing.
Maintain the ability to move your merchant portfolio as your business evolves.
Easy to start. Yours to grow.
Preserving optionality for the future is what the market is asking for.
— Brian Abernethy, Utopaya
Go live faster
Focus on building software. Not on building a payments company.
Less To Build
- No underwriting operation.
- No compliance organization.
- No risk team.
Faster Time to Market
- Launch in weeks, not years.
- Pre-built merchant onboarding.
- Vetted compliance flows.
Supported Developer Experience
- API-first architecture.
- White-label implementation.
- Real payments experts alongside your engineering team.
Better experience drives better economics
When payments fit your workflow, adoption follows.
Control and flexibility aren’t the outcome.
They’re how you create a payments experience your merchants actually want to use.
THAT LEADS TO
01
Higher adoption
02
Increased payment volume
03
Stronger retention
04
Better customer experiences
05
More revenue
THAT LEADS TO
Under your brand, merchants can manage their entire payments experience in one place.
- View transactions
- Access statements
- Monitor deposits
- Understand fees
- Manage disputes
We have about 99% of our customers using our payments infrastructure.
— Doug Levy, TapGoods
Built for the way your industry works
Payments configured for your vertical.
Healthcare
Recurring billing, card-on-file, HSA/FSA acceptance.
Field Services
Scheduling, financing, on-site payment.
Property Management
Rent collection and owner disbursements.
Fitness
Recurring memberships and account updating.
Education
Tuition and recurring payments
Government & Utilities
Convenience fees and reduced interchange programs.
Turn payments into a revenue engine
The Difference isn’t whether you monetize payments.
It’s how much you keep.
Many software platforms earn little, or nothing, from payments. Others see the opportunity to turn payments into one of their largest revenue streams.
Referral
Low participation
$
Launchpay
High participation, low liability
$
PayFac
Maximum participation, maximum responsibility
$
TapGoods reached approximately 100 basis points without becoming a PayFac or taking on risk.
More ownership creates more opportunity. You decide how much responsibility comes with it.
Payments expertise included
Because Payments Doesn’t Stand Still
Human Support
- Real people.
- Real answers.
- Real accountability.
Industry Expertise
- Advisors to early Stripe and Shopify programs
- Led development of the ETA PayFac Guidelines
- Creators of the Embedded Payments Bill of Rights
You gain a payments team without building one yourself.
Grow into more, if you want to
A path forward. Not a dead end.
Most providers either lock you in or force a rebuild when you’re ready for more control.
Launchpay gives you room to grow.
- Same platform
- No merchant reboarding
- Guidance through PayFac application processes
- Managed Services available
- Expanded processor flexibility
Graduate when you’re ready. Not because your technology forces you to.
Why SaaS platforms are leaning in
The market is moving toward embedded payments.
$ 0 T+
in payments expected to flow through embedded platforms by 2030.
0 %
of SaaS platforms now monetize payments as a strategic revenue line.
3–5x
ARPU lift typical for platforms with embedded payments vs. referral.
Hear it from platforms like yours
Real platforms. Real outcomes.
Featured Customer
TapGoods
Ownership / Monetization / Adoption
- Launchpay let us own the relationship — and the economics — without becoming a payments company.
— Doug Levy, CEO, TapGoods
Featured Industry Voice
Utopaya
Optionality / Avoiding lock-in / Future flexibility
- Preserving optionality for the future is what the market is asking for.
— Brian Abernethy, Utopaya
Choose your next step
Wherever you are on the journey, there’s a path forward.
New to payments?
Talk Through Your Options
Ready to monetize?
See Launchpay in Action
Need more control?
Explore Your Payments Strategy
Considering PayFac?
Discuss Your Graduation Path
Built by the team that helped define PayFac standards.