2025 State of Embedded Payments Report
Embedded payments are no longer just a utility. According to EY and Finix's 2025 State of Embedded Payments Report, they're now a powerful growth engine, unlocking new revenue streams and driving customer engagement. By integrating financial services into non-financial platforms, businesses are transforming industries and shaping the future of commerce.
Key Insights
Untapped Revenue Potential
Embedded payments unlock new revenue streams by integrating transactions directly into platforms like retail apps and healthcare systems.
North America is Leading the Charge
It’s leveraging embedded payments to cross-sell, streamline operations, and create superior customer experiences.
Enabling Technologies
While modern APIs are facilitating quick, scalable payment integrations, advanced analytics are driving personalized experiences, fraud reduction, and new business opportunities.
Overcoming Legacy Technology and Compliance Regulations
Partnerships among fintechs, financial institutions, and platforms are crucial for compliance adaptation and scaling innovations.