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What is Embedded Finance (and Why It Matters for B2B Platforms) Traditional business software, whether a procurement tool, a marketplace, or an ERP, has often treated payments and financial services as a separate “bolt-on.” But embedded finance changes that: it integrates payments (and other financial services) directly into a platform’s user experience. That means users don’t leave the platform to pay invoices, receive payouts, get financing, or manage cash flow; everything happens in one place. For B2B platforms, this is especially powerful. Instead of being a simple software provider, a platform can evolve into a financial ecosystem. With embedded finance, platforms can: 1) Let customers pay invoices, suppliers get paid, or run subscription billing from within the platform. 2) Offer value‑added financial services like working capital loans, virtual accounts, or spend management, tailored to the needs of their business users. 3) Add a new revenue stream beyond subscription fees or commissions by capturing processing fees, interchange margins, or lending spreads. Because many B2B transactions still rely on paper‑based or manual processes (checks, manual invoicing, delayed payments), embedding finance becomes a practical way to improve cash flow, reduce payment friction, and boost working capital efficiency. In short, embedded finance can turn a B2B platform from a tool into a hub, a one‑stop place where operations, transactions, and financial flows live together.

In the last few years, business-to-business (B2B) payments have been quietly but profoundly shifting. Digital payments are no longer a fringe convenience; they are becoming the backbone of how companies pay suppliers, contract workers, and vendors. At the center of this shift is the rise of virtual cards. These digital-only payment cards, with no physical plastic, are increasingly replacing traditional methods like checks, ACH transfers, and manual invoicing. And among the innovators driving this change is Finix, a payments platform building the infrastructure that makes virtual-card payments, ACH, and other payment flows easier for businesses and platforms alike. In this post, we will walk through why virtual cards are surging, how they’re reshaping B2B payments, and why Finix is positioned as a leader in this transition.

TL;DR: Why Personalized Merchant Support Matters Cost savings are just the start: Finix helps merchants save up to 40% on credit card processing by cutting out intermediaries and offering transparent pricing. Direct control and ownership: Merchants work directly with Finix device deployment and account management. Flexible technology: No-code and low-code integrations, a unified platform for online and in-person payments, and customizable terminals make going live fast and easy. Merchant-first support: Dedicated account managers and 24/7 support ensure businesses get personalized guidance whenever they need it. Actionable insights: Real-time dashboards and analytics empower merchants to analyze transactions, refine workflows, and drive business growth. Competitive differentiation: Unlike other processors, Finix focuses on mid-market and small businesses, delivering a tailored, transparent, and reliable payments experience. Bottom line: Personalized merchant support is more than cost savings; it’s about control, flexibility, and having a partner invested in your business growth.

How do you Gain Control of Payments? Whether you’re a small brick-and-mortar shop, an online e-commerce business, or a hybrid of both, setting up merchant services is one of the foundational steps to achieving smooth, efficient operations and cost control. At Finix, we believe that merchants deserve transparency, control, and a payment solution that works for them and not one where they’re locked into layers of middlemen and markup fees. With the proper setup, you can start accepting payments quickly, reduce costs, enhance the customer experience, and get paid faster.

The payments landscape is changing faster than ever. Businesses today demand speed, transparency, and control; expectations that traditional payment gateways struggle to meet. While these legacy systems once served as the backbone of commerce, they often introduce complexity, hidden fees, and slow innovation that can hold businesses back. In 2025, merchants are asking a crucial question: Do traditional gateways still deliver the value they need? Finix is redefining what modern payment processing looks like. By combining the roles of acquirer and processor, providing transparent pricing, and offering easy-to-integrate technology, Finix empowers businesses to save money, streamline operations, and stay ahead in a rapidly evolving market. This blog explores why traditional gateways are losing relevance and why forward-thinking merchants are turning to great solutions like Finix.

TL;DR SaaS companies rely on subscription-based revenue models, making payment infrastructure a core part of the business. Selecting the right payment gateway is crucial for delivering seamless customer experiences, facilitating recurring billing, and unlocking monetization opportunities. Embedded payments are increasingly preferred because they keep users within the platform and streamline operations. Why Finix Stands Out Purpose-Built for SaaS: Finix offers PayFac-as-a-Service and full payments infrastructure designed for software platforms. Seamless Integration: APIs and no-code tools enable fast onboarding and integration, eliminating the need for extensive engineering resources. Recurring Billing & Payouts: Supports subscription management, flexible fee structures, and real-time payouts. Fraud and Risk Management: Built-in monitoring reduces chargebacks and protects the platform. Reporting & Transparency: Provides transaction-level data and dashboards for both the SaaS platform and its customers