The SaaS model has evolved from a cost-saving distribution approach into a powerful driver of embedded financial services. Today, vertical SaaS platforms are no longer just software tools—they are becoming payment hubs. Instead of outsourcing payments to processors, companies are adopting embedded payments and PayFac-as-a-Service models to streamline customer experiences and unlock new revenue. Examples like Shopify demonstrate the upside, with payments now exceeding subscription revenues. For most SaaS firms, embedded partnerships strike the right balance—monetizing transactions, reducing friction, and improving user retention without the heavy lift of full PayFac compliance.

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