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?
Different goals. 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.
One size does not fit all in payments.
Different SaaS platforms will be better suited for different payment models or providers based on their goals, but many don’t know how to choose. The most common options available in today’s market are the Referral model, the PayFac-as-a-Service model, and the Registered PayFac model.
CAPABILITY
Referral
Traditional PayFac-as-a-Service
Launchpay
Registered PayFac
Best; complete ownership, visibility and control.
There’s no single right answer. The best model is the one that fits your business today, with the freedom to change as you grow. Infinicept offers Launchpay, a modern PayFac-as-a-Service, and Payops, an operating platform for registered PayFacs.
Maximum visibility. Zero liability.
When something goes wrong, your merchants call you.
Most providers quietly push liability onto you while keeping you in the dark. You don’t control, or even see, which merchants get approved or why. Fast, easy approvals feel like a win, right up until a merchant’s funds get held, a loss lands on your account, or you’re suddenly responsible for a business that never should have been boarded.
And when something goes wrong, your merchants don’t call your provider. They call you. Holds, surprise fees, declined applications, you get blamed for all of it, even though you couldn’t see it coming and can’t fix it.
- VISIBILITY YOU CAN ACT ON
- Launchpay carries the liability, so it never lands on you. And instead of handing you a black box, Launchpay shows you the whole picture so you know what's happening behind the scenes.
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. The trap isn’t just the exit. It’s the day to day. You’re stuck with their gateway, their hardware, and only the features they decide to build. And the day you do want to leave, you find out you can’t take your merchant book with you.
Launchpay is built the other way. You stay in control of the pieces that matter, and you’re never locked in.
Choose your gateway.
Shape the merchant experience.
Take your merchant book with you if you ever decide to move.
A guided path to become a registered PayFac if your business calls for it.
Easy to start. Yours to grow on your own terms.
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.
Embedding payments shouldn’t mean pulling your engineers onto payments infrastructure for months, or standing up an operation to run it. With Launchpay, the lift is small and you’re live fast, and it stays that way as you grow.
Less to Build
- No underwriting operation.
- No compliance and risk operation to staff.
- No chargeback and dispute handling to run.
Faster Time to Market
- Launch in weeks, not months.
- New merchants board and start processing fast, without your team in the loop.
- Real underwriting behind every approval, handled by Launchpay, not you.
Supported Developer Experience
- Real payments experts alongside your engineering team.
- API-first architecture that fits how your team already builds.
- White-label, so it ships as yours.
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.
POSITIVE EXPERIENCES LEAD TO
01
Higher adoption
02
Increased payment volume
03
Stronger retention
04
Better customer experiences
05
More revenue
Adoption isn’t hypothetical. Across the market, the average SMB used 2.3 value-added services in 2022 and 4.1 in 2025, and the appetite keeps climbing. (McKinsey)
SELF-SERVICE MERCHANT PORTAL
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, CEO, 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.
Rental & 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.
The easy on-ramp in payments has a catch: the revenue share you were quoted is rarely what you take home. Fees stack up quietly, and the number you were sold turns out to be very different from the number you keep.
It shouldn’t work that way. How much you keep should track with how much you choose to own, and you should be able to see every piece of it.
Referral
Low participation
$
Launchpay
High participation, low liability
$
PayFac
Maximum participation, maximum responsibility
$
~$37 billion in US merchant acquiring revenue in 2025, on ~$13 trillion in volume. Payments is a large and growing pool, and software platforms are increasingly how businesses access it. (UBS)
The US market for SME financial-management services is about $120 billion, well beyond payment processing alone. Owning the payment relationship opens the door to that market. (McKinsey)
Payments expertise included
Because payments doesn’t stand still.
Surcharging rules shift state by state. Card brand programs change. Regulations move. And you’re a software company, you didn’t hire for any of this. Most providers hand you a dashboard and a help center, and when something actually goes wrong, you’re a ticket in a queue.
Human Support
- A team that knows your program by name
- Direct access to people who understand payments
- Support when things go wrong
Industry Expertise
- Advisors to early Stripe and Shopify programs
- Led development of the ETA PayFac Guidelines
- Creators of the Embedded Payments Bill of Rights
Get access to a team that's seen this before, on your side when it matters.
Grow into more, if you want to
A path forward. Not a dead end.
When you’re ready, Launchpay supports your path to becoming a registered PayFac, on the same platform your program already works from.
- Same platform
- No merchant reboarding
- Guidance through PayFac application processes
- Managed Services available
- Expanded processor flexibility
- Keep your existing integrations
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.
This isn’t a trend you have to chase, it’s the direction the whole market is already moving. The platforms embedding payments now are the ones setting up to lead their categories
0 %
of US small-business payments revenue will run through software platforms by 2030, up from about 47% today.
0 x
software-led payments are growing about three times faster than traditional channels.
0 %
of US merchants now run payments or their business on software, up from 48% in 2022.
Hear it from platforms like yours
Real platforms. Real outcomes.
Featured Customer
TapGoods
Ownership / Monetization / Adoption
- "Launchpay was a perfect fit for us, and over time we’ll continue to grow with that, and at some point, with Infinicept’s help I’m sure, may become a PayFac"
— Doug Levy, CEO, TapGoods
Featured Industry Voice
Utopaya
Optionality / Avoiding lock-in / Future flexibility
- "The flexibility to move that portfolio down the road without some predatory contract, and some crazy, non-solicitation, and liquidated damages... that’s 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.