Best embedded payments software for SaaS platforms in Europe (2025)

If you’re building a SaaS platform, you’ve probably already realised this: embedding payments isn’t just about a technical integration, it’s a whole product decision.

Some platforms just want the basics, like a simple way for users to start accepting payments and move money around. Others need more: support for complex financial flows, layered compliance, and the ability to monetise payments as part of their core offering.

Whichever camp you fall into, the real challenge is finding a provider that fits your platform’s scale, structure, and business model. Especially if you’re based in Europe, where regulations, payment methods, and customer expectations can get a little more… involved.

To help you choose wisely, we’ve reviewed four of the best embedded payments providers for SaaS companies operating in Europe based on what they actually offer, and how well they support platform growth.

List of the best 4 embedded payments solutions for SaaS platforms in 2025

• Embed: Best for vertical SaaS in EEA

• Stripe Connect: Best for global scale

• Adyen for Platforms: Best for unified acquiring

• Mollie Connect: Best for simplicity

Comparing the best embedded payments platforms for SaaS in Europe (2025)

Embedded payments do more than just help you move money. They can shape how your platform grows, how fast your users activate, and how much revenue you actually keep.

The four platforms below are some of the strongest options for SaaS companies operating in Europe. Each comes with its own angle: from simplicity and speed to deep compliance handling and unified commerce.

This list isn’t exhaustive, and it’s not ranked. It’s a snapshot of where things stand in 2025, and if there’s a platform you think deserves a spot here, we’re all ears!

Embed: Best for vertical SaaS in Europe

Most embedded payment tools try to be everything to everyone. Embed doesn’t.

Embed — that’s us by the way — is purpose-built for vertical SaaS platforms, especially the ones dealing with messy financial workflows, industry-specific compliance, and the kind of edge cases most providers aren’t set up to handle.

Think platforms managing customer balance accounts, SaaS companies building financial features without becoming a PSP, or teams launching payment flows without hiring a compliance department. That’s where Embed shines.

Instead of squeezing your business into a generic payments template, Embed helps you design a custom-fit infrastructure with all the flexibility and control you need baked in from day one.

What makes Embed different:

✅ “Hive” multi-ledger system: Handle complex fund flows and multi-party payouts natively with no extra tooling required

✅ Phased merchant onboarding: Let merchants go live in hours with minimal input, and complete full KYC only when it’s needed

✅ Virtual IBANs: Assign unique IBANs to each merchant for clean reconciliation and simpler payouts

✅ Hyper-flexible pricing control: Run any pricing model (tiered, blended, interchange++) and adapt it per segment or use case.

✅ Unified commerce: Accept payments online, in-app, or in-person with a single integration

✅ Hands-on expert support: Get direct access to payment specialists who co-design and optimise your payment setup from day one

Stripe Connect: Best for global scale

Stripe Connect is often the first name that comes up for SaaS platforms going international and that’s no coincidence. It’s backed by over a decade of experience in platform payments and powers giants like Shopify and DoorDash. The infrastructure is robust, the documentation is excellent, and it’s one of the few providers that can claim true global reach.

That said, the same strengths that make Stripe appealing can also be limiting. If you need deep vertical-specific logic, more pricing control, or regionally nuanced compliance support (especially in Europe!) it may start to feel like you’re working around Stripe rather than with it.

Pros of Stripe Connect

• Market-proven infrastructure with strong integrations and broad acceptance globally

• Accept payments in 135+ currencies and surface 40+ local payment methods

• Unified support for online and in-person payments via a single integration

• Handles KYC, PCI compliance, and sanctions checks under Stripe's licence

• Advanced money movement options

• Developer-friendly APIs with great docs and built-in testing tools

Cons of Stripe Connect

• Less flexibility for vertical-specific needs; a one-size-fits-most approach

• Money movement costs can stack up quickly with complex flows

• Onboarding can feel slow and require merchants to jump through hoops

• Payments-first DNA may clash with platforms looking to deeply productise payments

• Stronger footprint in the US than in Europe, which may affect localisation

Adyen for Platforms: Best for unified acquiring

Adyen for Platforms is a strong option for SaaS companies looking to consolidate their payments stack, especially those operating across multiple channels or markets. Its biggest selling point is a unified acquiring model, letting you handle online and in-person payments under one roof through a single global API.

It’s built with scale in mind, and the infrastructure reflects that. You get one contract, one integration, and one view of your payments across all touchpoints. That level of consolidation can be powerful, but it’s also where Adyen tends to skew more enterprise. For platforms needing more flexibility, or who aren’t resourced to manage a heavier integration, the fit may feel less natural.

Pros of Adyen for Platforms

• All-in-one infrastructure for online, mobile, and in-person payments

• Global reach with 135+ currencies and 40+ local payment methods

• Advanced payout control with on-demand and scheduled options

• Embedded financial services like issuing, capital, and merchant accounts

• Consolidated reporting with full data ownership and real-time insights

• PCI, PSD2, KYC, AML handled under Adyen’s global banking licences

• Exceptional reliability, uptime, and global acquiring reach

Cons of Adyen for Platforms

• More rigid policies due to banking licences and risk posture

• Deep customisation often requires significant in-house dev resources

• Geared towards large-scale platforms; may not suit smaller SaaS teams

• Requires higher minimum transaction volumes and longer contractual commitments

• Less flexibility for rapid iteration or highly unique payment flows

Mollie Connect: Best for simplicity

Mollie Connect is a good fit for SaaS platforms that want to get started quickly, without throwing all their engineering resources at payments from day one. It focuses on ease of use, with a developer-light setup, built-in compliance, and a co-branded onboarding flow that’s designed to convert.

While not entirely no-code, Mollie still removes a lot of the heavy lifting you’d typically associate with embedding payments. It’s especially well-suited for platforms focused on the European market but if you’re aiming for global reach or need deeply custom flows, it may feel more limited compared to others on this list.

Pros of Mollie Connect

• Developer-light integration with user-friendly APIs and plugins

• Unified support for online, POS, and recurring payments

• 35+ global and local payment methods in a single integration

• No-code pricing controls for commercial teams

• Dedicated support from EU-based onboarding specialists

Cons of Mollie Connect

• Still requires some dev effort; less “no-code” than some alternatives on this list

• Primarily focused on Europe; global coverage may require additional tools

• Fewer customisation options for complex or regulated verticals

How to choose the best embedded payments tool for your SaaS

Choosing an embedded payments provider isn’t just a technical decision. It shapes how fast your merchants go live, how much you earn from payments, and how well your product holds up in real-world complexity.

Here’s what to look for when evaluating the right fit:

Fast, phased merchant onboarding

Your users shouldn’t need to fill out a 20-field form before they can earn their first euro. Look for providers that offer staged onboarding so your merchants can start quickly, and you collect what’s needed when it’s actually needed.

EEA compliance (without the overhead)

PSD2, SCA, AML, safeguarding… the alphabet soup gets long fast. A good payments infrastructure provider handles this for you (and keeps it current), so you’re not rebuilding workflows every time regulations change.

Support for SEPA and local payment rails

If you’re operating in Europe, support for SEPA, direct debit, and key local methods like iDEAL, Twint, or Vipps isn’t optional, it’s the baseline for conversion.

Flexibility and MoR vs PayFac

Some platforms want the control and margin of a PayFac model. Others prefer a light-touch Merchant of Record setup. Make sure your provider supports both or at least gives you a way to move between them as you scale.

Real pricing control

Monetising payments shouldn’t be an afterthought. You’ll want to control fees by segment, product tier, or geography and not be stuck with whatever kickback your provider decides is fair.

Unified payments across all channels

Online. In-app. In-person. Subscriptions. Your users don’t care about channels, they just expect things to work. Look for a provider that offers a unified stack instead of gluing together separate systems.

Ownership of customer and transaction data

You worked hard to get users. You should be able to retain the data you need to serve them (and reduce churn in the process) without handing it all over to your payments provider.

Transparent, predictable pricing

Complex pricing models look great until they don’t. Look for a provider that lets you know exactly how much you’ll pay, what’s included, and whether scale actually gives you leverage or just higher fees.

Embed: Custom-fit infrastructure for vertical SaaS in Europe

The truth is, most embedded payments providers weren’t built for platforms like yours. They were built for scale: generic APIs, rigid flows, and pricing models that treat every platform the same.

Embed takes a different approach.

We build with vertical SaaS in mind — platforms that operate in complex industries, handle messy money flows, and actually want control over how payments work, look, and drive growth.

Whether you’re orchestrating multi-party payouts, navigating compliance across the EEA, or building pricing models that shift by customer segment, Embed gives you the infrastructure to do it without duct tape.

And you won’t be left to figure it all out on your own. Our team works with you side-by-side from day one to design the payment system your platform actually needs, not just what’s easiest to ship.

Ready to see how it can all come together? Book a 30-minute call and let’s make payments your competitive edge.