Embedded Payments
Balance Accounts: The backbone of embedded payments
Konstantin Indjov
Aug 21, 2025
At Embed, we believe that over the next 10 years the majority of SMB payment volume will migrate to vertical SaaS platforms, leaving behind generic PSPs. These platforms will become the gateway to SMBs, offering not just software but a full suite of financial products tailored to their industries.
To make that possible, they need specialised payment infrastructure that goes beyond simple acceptance, stacking multiple financial products, delivering exceptional customer experiences, and leveraging the unique data only platforms can capture. This is what embedded payments infrastructure is all about.
Today, we are launching Balance Accounts, a cornerstone in bringing that vision to life.
The problem with outsourcing payments
You built the platform your industry relies on, the daily driver your customers cannot imagine living without. But when the most critical moment arrives, when money changes hands, you hand them off to a third-party. The seamless experience you worked so hard to create breaks. You leave revenue on the table, and your team is stuck reconciling spreadsheets instead of building your product.
What if payments were not an afterthought, but the final, crucial piece of your platform’s puzzle? What if you could own the entire value chain, from workflow to payout? This is the evolution from a system of record to a true operating system for your industry, by embedding payments directly into your platform.
Why vertical SaaS should own payments
When you embed payments with a payments infrastructure solution like Embed you’ll get:
Improved user experience: Seamless payments inside your platform, under your trusted brand, with no redirects or reconciliation headaches.
New revenue streams: Monetise transactions and capture high-margin payment revenue, as much as 50–65% for vertical SaaS leaders.
Faster onboarding: Get customers live in days, not months, with embedded, phased onboarding.
Beyond checkout: The complexity of money flows
Adding a checkout button to your Vertical SaaS platforms is not the hard part. A software engineer in your team can ship that in days. If you stop there, you have only scratched the surface of what payments can and should do for your business.
The real challenge begins when you have to:
Orchestrate split payments and revenue sharing between multiple parties
Manage usage-based billing models
Control the logic and timing of reserves, top-ups, and payouts
This is where payments get complex and where most platforms get stuck. Financial flows across your ecosystem are rarely simple A-to-B transfers. They are multi-party, multi-step, and deeply tied to your product logic.
Too often, platforms try to solve this with a patchwork of third parties, manual invoicing, and endless reconciliation, burning out finance teams every month. That is not scalable and it is not how you build the future of your industry.
Introducing Balance Accounts
You have a unique setup demanding specific money flows. At Embed, we've been obsessed with solving this exact problem. We have made it our mission to partner with you to run on a single payments infrastructure that scales with your platform.
Embed is purpose-built to handle multi-party payments across all your payment channels, currencies and local payment methods, where your platform is at the driving wheel.
Balance accounts are the backbone that makes it possible.
You create a balance account to represent funds held for every party involved in the money flows on your platform, then, orchestrate how money moves between them using pay-ins, transfers, and payouts.
Every movement is tracked in real time with detailed ledgers and reporting for each balance and every fee. Balance Accounts unlock a new layer of money movement that happens after payment acceptance and before payout — that critical middle ground where real control and optimisation happen.
See this simplified example of what your setup could look like:
How Balance Accounts work
Balance Accounts give your platform full control over how money moves between parties. Instead of stitching together multiple third-party tools, you can manage everything from payment acceptance to payouts within one consistent infrastructure.
Want to see exactly how this could look like for your platform? Check out some industry-specific examples.
Here are the core building blocks that make it possible:
Accept online and in-person payments: Use our payment links, payment components or in-person payments solutions to start collecting payments wherever your users are.
Reconcile with Virtual IBANs: Collect bank transfers using unique local IBANs issued for each balance account for frictionless reconciliation.
Balance account transfers: Move funds between balance accounts to split a payment, share revenue or manage internal balances.
Balance account payments: Charge your fees directly from your customers’ available revenue in their balance accounts. Instantly, and with low cost.
Payouts: Set custom payout schedules for each account and send available balances to external bank accounts on your terms.
Reports: Track and reconcile all money movements across your platform in a single place.
Turn your platform into the financial engine for your industry. Talk to our team and see how balance accounts can unlock new revenue, streamline operations, and elevate your customer experience.
At Embed, we believe that over the next 10 years the majority of SMB payment volume will migrate to vertical SaaS platforms, leaving behind generic PSPs. These platforms will become the gateway to SMBs, offering not just software but a full suite of financial products tailored to their industries.
To make that possible, they need specialised payment infrastructure that goes beyond simple acceptance, stacking multiple financial products, delivering exceptional customer experiences, and leveraging the unique data only platforms can capture. This is what embedded payments infrastructure is all about.
Today, we are launching Balance Accounts, a cornerstone in bringing that vision to life.
The problem with outsourcing payments
You built the platform your industry relies on, the daily driver your customers cannot imagine living without. But when the most critical moment arrives, when money changes hands, you hand them off to a third-party. The seamless experience you worked so hard to create breaks. You leave revenue on the table, and your team is stuck reconciling spreadsheets instead of building your product.
What if payments were not an afterthought, but the final, crucial piece of your platform’s puzzle? What if you could own the entire value chain, from workflow to payout? This is the evolution from a system of record to a true operating system for your industry, by embedding payments directly into your platform.
Why vertical SaaS should own payments
When you embed payments with a payments infrastructure solution like Embed you’ll get:
Improved user experience: Seamless payments inside your platform, under your trusted brand, with no redirects or reconciliation headaches.
New revenue streams: Monetise transactions and capture high-margin payment revenue, as much as 50–65% for vertical SaaS leaders.
Faster onboarding: Get customers live in days, not months, with embedded, phased onboarding.
Beyond checkout: The complexity of money flows
Adding a checkout button to your Vertical SaaS platforms is not the hard part. A software engineer in your team can ship that in days. If you stop there, you have only scratched the surface of what payments can and should do for your business.
The real challenge begins when you have to:
Orchestrate split payments and revenue sharing between multiple parties
Manage usage-based billing models
Control the logic and timing of reserves, top-ups, and payouts
This is where payments get complex and where most platforms get stuck. Financial flows across your ecosystem are rarely simple A-to-B transfers. They are multi-party, multi-step, and deeply tied to your product logic.
Too often, platforms try to solve this with a patchwork of third parties, manual invoicing, and endless reconciliation, burning out finance teams every month. That is not scalable and it is not how you build the future of your industry.
Introducing Balance Accounts
You have a unique setup demanding specific money flows. At Embed, we've been obsessed with solving this exact problem. We have made it our mission to partner with you to run on a single payments infrastructure that scales with your platform.
Embed is purpose-built to handle multi-party payments across all your payment channels, currencies and local payment methods, where your platform is at the driving wheel.
Balance accounts are the backbone that makes it possible.
You create a balance account to represent funds held for every party involved in the money flows on your platform, then, orchestrate how money moves between them using pay-ins, transfers, and payouts.
Every movement is tracked in real time with detailed ledgers and reporting for each balance and every fee. Balance Accounts unlock a new layer of money movement that happens after payment acceptance and before payout — that critical middle ground where real control and optimisation happen.
See this simplified example of what your setup could look like:
How Balance Accounts work
Balance Accounts give your platform full control over how money moves between parties. Instead of stitching together multiple third-party tools, you can manage everything from payment acceptance to payouts within one consistent infrastructure.
Want to see exactly how this could look like for your platform? Check out some industry-specific examples.
Here are the core building blocks that make it possible:
Accept online and in-person payments: Use our payment links, payment components or in-person payments solutions to start collecting payments wherever your users are.
Reconcile with Virtual IBANs: Collect bank transfers using unique local IBANs issued for each balance account for frictionless reconciliation.
Balance account transfers: Move funds between balance accounts to split a payment, share revenue or manage internal balances.
Balance account payments: Charge your fees directly from your customers’ available revenue in their balance accounts. Instantly, and with low cost.
Payouts: Set custom payout schedules for each account and send available balances to external bank accounts on your terms.
Reports: Track and reconcile all money movements across your platform in a single place.
Turn your platform into the financial engine for your industry. Talk to our team and see how balance accounts can unlock new revenue, streamline operations, and elevate your customer experience.