The best embedded payroll APIs for vertical SaaS are Check, Gusto Embedded, Zeal, Rippling Embedded, Salsa, Paychex Flex Embedded, and Fingercheck. Each handles federal and state tax filing and remittance as part of their infrastructure, which means your platform never…
Banking-as-a-Service is a model where a licensed bank opens its infrastructure to third parties through APIs, letting non-bank companies offer FDIC-insured accounts, debit cards, ACH transfers, and lending products under their own brand. The bank holds the charter and regulatory…
Understanding how to embed payments in SaaS starts with a model decision, not a vendor selection. A product team chooses one of five models: referral partner, ISV (independent software vendor) program, PayFac-as-a-service, full PayFac, or Merchant of Record. Each model…
PayFac-as-a-Service providers are companies like Finix, Stripe (via Connect), Adyen for Platforms, Payrix, Stax Connect, WePay, Payroc, Nuvei, and Infinicept that let a SaaS platform onboard its own sub-merchants, control the checkout experience, and earn a spread on every transaction,…
The strongest ACH payment APIs for vertical SaaS products in the US are Stripe, Dwolla, Plaid, Moov, Nacha-direct processors like Modern Treasury, Finix, Checkbook, Helcim, and Column. Each solves a different part of the problem. Stripe is best for teams…
The best embedded payments providers for B2B SaaS platforms are Stripe Connect, Adyen for Platforms, Finix, Payrix, Stax Connect, WePay (a JPMorgan Chase company), NMI, ConnexPay, Payroc, and PayPal Braintree. The right choice depends on whether your platform wants to…
