Grow your software business with embedded finance.
Independent guides, benchmarks, tools, and vendor intelligence for software leaders adding embedded payments, lending, cards, and more.
Every number sourced. Every method shown.
Start
Where do you want to start?
Each path leads to the guide, tool, vendor category, and answers for that decision.
Not sure? Start here
Monetize payments
Turn your payment flow into revenue — models, economics, vendors.
ExploreEvaluate lending / financing
Does embedded credit fit your customers? Who provides it?
ExploreChoose a vendor or model
Neutral profiles and comparisons.
ExploreImprove adoption & economics
Run your numbers, find the leaks, benchmark your take rate.
ExploreExplore embedded finance
Payments is the entry point — lending, cards, payroll, and insurance follow. Start with the strategic brief for software executives.
ExploreGet personalized advice
Bring your specific decision — model, vendor, or economics — to an advisor who isn't selling software.
ExploreFree tools
Run your own numbers
Interactive tools — free and ungated.
Embedded Payments Fit Assessment
Is embedded payments right for you? Your strategic fit score in 5 minutes.
Payments Model Fit Navigator
Referral, PFaaS, or PayFac — 13 questions to the right operating model.
Revenue Calculator
Side-by-side revenue estimates across models, with 5-year projections.
Payment Optimization Self-Assessment
How much revenue you’re leaving on the table, ranked by lever.
Embedded Payments 101
Learn how to monetize embedded payments
Embedded Payments: the comprehensive guide
Operating models from referral to PayFac, the economics at each GMV stage, vendor selection, optimization, and adoption — every figure sourced and up-to-date.
Open the guide
Embedded Finance Answers
Straight, sourced answers to the questions software leaders ask.
Browse all questionsResearch
Research & Benchmarks
Sourced, up-to-date datasets — 35 benchmark tables across take rates, attach rates, interchange reference, and valuation premia. Updated quarterly.
See the research
Vendor directory
The vendor directory
87 vendors profiled under one public methodology. Vendor money never moves a ranking.
Community & advisory
The community
One network of software leaders building revenue beyond subscription — with dedicated tracks for founders/CEOs and heads of fintech & payments. Candid benchmarks, operator calls, vetted demo days.
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Advisory
When the decision is too big to get wrong: embedded-finance strategy, vendor selection, adoption optimization, or a fractional GM of payments.
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The Take Rate
Weekly intelligence on embedded finance for software companies.
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- What changed, and what to do about it
- Benchmarks and vendor reality, not press releases
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About
Author
Written by Jane Podbelskaya — ex-Bain strategist, venture investor, and payments operator.
Method
Every analysis follows a published editorial and vendor-review methodology.
Independence
Sponsorships are disclosed and never influence rankings, reviews, or answers.