Embed
What it is
Embed is payment infrastructure for software platforms, combining ecommerce, point-of-sale, and subscription payments through one integration. Platforms can accept payments globally, configure tiered, blended, or cost-plus pricing by customer segment, and use balance accounts to move funds among multiple parties. Payouts can be arranged on demand or on schedules, with split payments supported. Domestic virtual IBANs are available across Europe and safeguarded by tier-one banks. Documented payment methods include cards, open banking, SEPA, SEPA Direct Debit, iDEAL, and Vipps. Integration guides cover payment components, links, in-person and recurring payments, and balance accounts. A functional sandbox supports payment and integration testing, test-merchant onboarding, credential management, and reconciliation-report downloads. Embed also provides reports, integration support, advanced KYC/AML tools, full account management, and standard API and SDK coverage. It is PCI-DSS compliant. The paid service has no free plan and offers API and web access.
For and against
For
- Single integration for ecommerce, point-of-sale, and subscriptions
- Configurable pricing by customer segment
- Flexible balance accounts and scheduled payouts
- Functional sandbox for testing and reconciliation reports
- Global payment acceptance with split payments
Against
- Paid service with no free plan
- API license or coverage details are limited to standard
- PAYMENTS_LIMITED allows up to €10k volume per 30 days
- Merchant checks are priced by risk profile
The verdict
Embed brings payment acceptance, account operations, pricing controls, and payouts into infrastructure for software platforms. Its sandbox, payment-method coverage, and balance-account tools are useful for teams building multi-party payment flows.
Who it suits
Embed is aimed at vertical SaaS platforms in areas such as EV charging, field services, proptech, wellness, ticketing, retail, and automotive. It suits teams needing payment acceptance, account management, flexible payouts, and payment splits.
Plans and prices
Pay-as-you-go (Interchange++)
Merchant onboarding and ongoing checks are priced based on risk profile · Additional currencies available upon request
Read 8 Oct 2026 · embed.co
On the record
- Acquisition
- Embed's homepage says it has been acquired by OpenFX and notes that the acquisition is subject to DNB and FCA approval.embed.co · read 7 Oct 2026
- Balance accounts
- Platforms can use balance accounts and flexible rules or APIs to orchestrate funds and disburse payments to multiple parties.embed.co · read 7 Oct 2026
- Company
- OpenFX's acquisition announcement describes Embed as an Amsterdam-based embedded payments company and says it was founded by Alex Schoonkind, Andrei Valeanu, and Konstantin Indjov.openfx.com · read 7 Oct 2026
- Company status
- The site states that Embed has been acquired by OpenFX, with the acquisition subject to DNB and FCA approval.embed.co · read 8 Oct 2026
- Integrations
- Embed provides APIs and components for payment components, payment links, in-person payments, recurring payments, and balance accounts.docs.embed.co · read 8 Oct 2026
- Intended customers
- The company describes its product as payments infrastructure purpose-built for vertical SaaS platforms.embed.co · read 8 Oct 2026
- Money movement
- Platforms can use balance accounts to orchestrate funds between multiple parties and configure payouts on demand or on schedules.docs.embed.co · read 8 Oct 2026
- Onboarding
- Embed says merchants can be onboarded to a platform in less than 48 hours.docs.embed.co · read 8 Oct 2026
- Payment methods
- The pricing page lists credit and debit cards, Vipps/MobilePay, iDEAL, SEPA instant, SEPA direct debit, and open banking.embed.co · read 8 Oct 2026
- Pricing controls
- Platforms can set tiered pricing by customer segment and choose blended or cost-plus pricing for each service.embed.co · read 8 Oct 2026
- Processing limit
- The PAYMENTS_LIMITED capability allows payments up to €10k volume per 30 days; PAYMENTS_STANDARD has no payment limit.docs.embed.co · read 8 Oct 2026
- Product
- Embed provides payment infrastructure built for software platforms, including a single integration for ecommerce and point-of-sale payments.embed.co · read 8 Oct 2026
- Regulatory coverage
- Embed B.V. provides payment services to clients in the EEA, and Embed Pay Ltd serves clients in the UK as a small electronic money institution registered with the FCA.embed.co · read 8 Oct 2026
- Regulatory status
- The site says Embed B.V. is licensed by De Nederlandsche Bank and passported across the EEA, while Embed Pay Ltd is registered with the FCA as a small electronic money institution.embed.co · read 7 Oct 2026
- Reporting
- Embed says its platform provides comprehensive reports to support finance and accounting processes.docs.embed.co · read 7 Oct 2026
- Sandbox
- Platforms can use a functional sandbox to test integrations, test payments, onboard test merchants, manage API credentials, and download reconciliation reports.docs.embed.co · read 7 Oct 2026
- Security
- Embed says it is PCI-DSS compliant and licensed by the Dutch Central Bank.embed.co · read 8 Oct 2026
- Support
- The pricing page lists 24/7 payments support, technical support on Slack, implementation, and a low-code components library as free.embed.co · read 8 Oct 2026
