Everything you need to succeed with Finix.

Software-as-a-Service (SaaS) businesses face constant pressure to maximize revenue while delivering seamless customer experiences. Beyond acquiring new clients, increasing the value of existing customer relationships is a key driver of sustainable growth. One area that has emerged as a powerful lever for boosting revenue is a payment platform, a strategic approach that consolidates multiple payment service providers (PSPs) and payment methods into a single, streamlined platform. A payment platform does more than simplify transactions; it streamlines the entire process. It reduces payment failures, optimizes costs, enhances global reach, and provides actionable insights into customer behavior. For SaaS companies, this means not only smoother operations but also the potential to increase Average Contract Value (ACV), the annualized revenue earned per customer contract. Higher ACV translates to more predictable revenue, improved profitability, and stronger customer retention. By integrating a payment platform into their operations, SaaS platforms can turn payment processing from a backend necessity into a strategic growth tool. This approach enables companies to deliver better customer experiences, scale efficiently into new markets, and unlock opportunities for upselling and cross-selling. In essence, a payment platform is not just about handling money; it’s about driving revenue intelligence, customer satisfaction, and long-term business growth.

Currently, customers can move seamlessly between online browsers, mobile checkout, in-store kiosks, and on-the-go purchases. Retailers that adapt to this omnichannel reality and deliver flexible payment options across channels are the ones that build deeper customer loyalty. For retailers of all sizes, especially small and mid-market merchants, embracing payment flexibility isn’t optional; it’s strategic. At Finix, flexible payment infrastructure is a cornerstone of loyalty. Our end-to-end payment platform empowers merchants to deliver consistent, frictionless experiences whether customers are shopping online, in-store, on a mobile device, or via a link. By doing so, retailers not only increase conversions but also deepen their relationships with customers. In this post, we’ll explore: -Why payment flexibility matters in omnichannel retail -The key elements of payment flexibility that drive loyalty -How Finix enables these elements (and how that means savings and simplicity for merchants) -Concrete steps retailers can take now to deploy payment flexibility and build loyalty -A short FAQ to address common questions

Emanuel Pleitez on AI and the New Era of Finance at Finix For years, finance teams were often seen as the “cost center” of a company, a group primarily responsible for controlling budgets, approving expenses, and producing reports. Employees would approach finance for approvals or budget checks, receiving a simple yes or no. This limited view shaped how businesses approached finance. Today, that perception is shifting. Emanuel Pleitez, Head of Finance at Finix, recently discussed this transformation during the PYMNTS B2B Payments 2025 series, “B2B.AI: The Architecture of Intelligent Money Movement.” “Traditionally, the finance team was the gatekeeper of budgets and approvals,” Pleitez said. “But now, in an era of instantaneous data, global market volatility, and heightened investor expectations, CFOs are redefining finance as a creator of enterprise value.” This evolution begins not with technology, but with mindset. Rather than being reactive gatekeepers, finance professionals are now expected to drive returns, ensuring that each dollar spent contributes measurable value. “Every day, we are making financial decisions that need to generate ROI,” Pleitez emphasized. Artificial intelligence (AI) has emerged as a key enabler in this transformation, allowing finance teams to move beyond traditional reporting and play a strategic role in enterprise growth. At Finix, AI adoption is deliberate and ROI-focused, rather than experimental.

Finix is building the Global Operating System of FinTech and is expanding its omnichannel capabilities to Canada today. With the integration of Interac Debit into the Finix platform, Canadian businesses can now manage both in-store and online payments through a single, unified platform. Finix first launched in Canada in 2024 and is committed to helping Canadian businesses modernize payments with its robust payment stack, developer-friendly APIs, and no-code/low-code tools. It also enables U.S.-based companies to expand internationally without the need for multiple APIs, integrations, or compliance challenges. Now with direct integrations to all major Canadian card networks, Finix eliminates the need for third-party gateways or additional providers. “Businesses need to offer their customers options to pay however works for them, but until now, that meant stitching together different tools. Finix gives businesses one platform to focus on growth rather than payment complexity,” says Richie Serna, CEO of Finix. “Our integration with Interac makes it easier for businesses in Canada to accept in-store payments the way customers actually want to pay. We’re making localized omnichannel payments more accessible than ever.” “Finix’s expansion is a powerful example of how global fintech leaders are choosing Toronto for more than market access; they’re choosing collaboration,” said Stephen Lund, CEO of Toronto Global. “By building here, Finix is helping modernize Canada’s payment infrastructure, creating high-value jobs, and deepening the talent and technology ecosystem that keeps our region at the forefront of financial innovation.”

A new era of B2B payments has arrived, bringing opportunities. Visa is retiring its long-standing Level 2 and Level 3 interchange programs and introducing the Commercial Enhanced Data Program (CEDP), a modern standard designed to reward merchants and partners who provide accurate, detailed transaction data. Beginning October 17, 2025, Visa will start validating transaction data under this new program. Merchants and partners who adapt quickly and meet these standards can unlock reduced interchange rates, stronger data transparency, and lasting operational efficiencies. With Level 2 set to sunset in 2026, now is the moment to get ahead and turn compliance into a competitive advantage.

Embedded payments are foundational for platform and ISV business models, not just a nice-to-have. As your platform scales, owning and controlling the payment experience is essential for maximizing revenue, boosting customer satisfaction, and differentiating yourself competitively. Finix was built from the ground up specifically for platform-first companies, especially vertical SaaS and integrated software vendors, who demand deep flexibility, interchange-level cost control, and full ownership of their payments stack. Unlike Adyen, which excels as a global acquiring and gateway powerhouse for broad cross-border commerce, Finix prioritizes transparent pricing, extensive customization, and lower engineering overhead tailored to North American platforms. This blog explores the key differences between Finix and Adyen to help your platform make an informed decision about the payments infrastructure that best suits your business needs.