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The Take Rate
Weekly intelligence on embedded finance for software companies — an operating brief for leaders building revenue beyond subscription.
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Embedded-finance intelligence for software leaders — what to build, buy, and negotiate.
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- What changed, and what to do about it
- Benchmarks and vendor reality, not press releases
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In every issue
One opportunity
A concrete embedded-finance opening for software platforms — sized, sourced, and scoped to who it fits.
One vendor or market shift
What moved this week among providers, networks, and acquirers — and what it changes for platforms.
One benchmark
A number you can use in a board slide, with its source and its caveats.
One practical move
Something an operating team can do next week — not someday.
The kind of thing you'll read
Sample issues, so you know what you're signing up for:
The 45 bps nobody owns
What a dedicated payments leader is worth — and how to justify the hire.
The graduation trap
Platforms that outgrew their referral deal, and the moment the math flipped.
The shrinking PayFac club
Why full registrations are contracting, and what platforms do instead.
The backbook
The revenue sitting in customers you already signed but never activated.
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Archive
Past editions will be published here as The Take Rate launches. Meanwhile, the latest sourced analysis lives in the Embedded Finance Answers and the research & benchmarks.