Freedom251 › Embedded Payments Platforms
Embed
What Embed is
Embed is payment infrastructure for software platforms that need to accept payments and coordinate money movement. One integration covers ecommerce, point-of-sale, and subscription payments. Platforms can set tiered, blended, or cost-plus pricing for different customer segments, then use balance accounts, rules, or APIs to route funds among multiple parties and arrange payouts on demand or on a schedule. The service supports global payment acceptance, split payments, and flexible payouts. Its payment profiles support cards, open banking, SEPA, SEPA Direct Debit, iDEAL, and Vipps; guides also cover payment components, payment links, in-person and recurring payments, and balance accounts. European domestic virtual IBANs are safeguarded by tier-one banks. A functional sandbox supports integration and payment tests, test merchant onboarding, API credential management, and reconciliation report downloads. Embed says its reports support finance and accounting, and its payment experts help with integration, verification, onboarding, and ongoing operations. The company states that it is PCI-DSS compliant. Embed B.V. serves EEA clients and Embed Pay Ltd serves UK clients. Embed has been acquired by OpenFX, subject to DNB and FCA approval. Pricing is pay-as-you-go with no monthly fees; transaction charges include a €0.15 gateway fee plus interchange and 0.50% for cards.
Who it suits
Embed suits software platforms building payment services into vertical SaaS products, including businesses in EV charging, field services, proptech, wellness, ticketing, retail, and automotive. It is relevant to teams that need configurable customer pricing, split payments, and flexible payouts alongside payment acceptance.
What it does well
- One integration covers ecommerce, point-of-sale, and subscription payments.
- Supports tiered, blended, and cost-plus pricing by customer segment.
- Balance accounts support split funds and scheduled or on-demand payouts.
- Sandbox includes test merchants, payment testing, credentials, and reconciliation reports.
- Offers domestic virtual IBANs across Europe safeguarded by tier-one banks.
What to know first
- There is no free plan.
- Card transactions include a €0.15 gateway fee plus interchange and 0.50%.
- Merchant onboarding and ongoing checks are priced by risk profile.
Limits
The PAYMENTS_LIMITED capability allows payments up to €10k volume per 30 days. PAYMENTS_STANDARD has no payment limit.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Pay-as-you-go (Interchange++) | No monthly fees; pay-as-you-go. Per transaction: €0.15 gateway fee plus IC+ + 0.50% for cards; payment method fees vary. · Merchant onboarding and ongoing checks are priced based on risk profile · Additional currencies available upon request | On request |
As embed.co lists them, read 8 Oct 2026. The maker's own page has the final word.
Getting started
- Visit https://www.embed.co/.
- Use the functional sandbox to test integrations and payments and onboard test merchants.
- Manage API credentials in the sandbox.
- Work with Embed's payment experts on API integration, sandbox testing, and verification before launch.
- Configure payment methods, pricing, balance accounts, and payout rules for your platform.
Verdict
Choose Embed if your software platform needs integrated payment acceptance, configurable pricing, and fund distribution across multiple parties. Its sandbox and integration support also suit teams preparing payment operations for launch. The listed model has no free plan, and card charges and risk-based onboarding checks should be considered when evaluating costs.
Questions
Does Embed have a free plan?
No. Embed is listed as paid with no free plan.
How is Embed priced?
The pay-as-you-go plan has no monthly fees. Card transactions cost a €0.15 gateway fee plus interchange and 0.50%; payment method fees vary.
Which regions does Embed serve?
Embed B.V. provides payment services to clients in the EEA. Embed Pay Ltd serves UK clients as a small electronic money institution registered with the FCA.
Which payment methods does it support?
Payment profiles list cards, open banking, SEPA, SEPA Direct Debit, iDEAL, and Vipps.
What platform access is available?
The listed platforms are API and web.
What payment volume limits apply?
PAYMENTS_LIMITED allows up to €10k in payment volume per 30 days; PAYMENTS_STANDARD has no payment limit.
Facts from Embed's own pages
- 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, 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, 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, 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, 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, 8 Oct 2026
- Intended customers
- The company describes its product as payments infrastructure purpose-built for vertical SaaS platforms. · embed.co, 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, 8 Oct 2026
- Onboarding
- Embed says merchants can be onboarded to a platform in less than 48 hours. · docs.embed.co, 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, 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, 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, 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, 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, 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, 7 Oct 2026
- Reporting
- Embed says its platform provides comprehensive reports to support finance and accounting processes. · docs.embed.co, 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, 7 Oct 2026
- Security
- Embed says it is PCI-DSS compliant and licensed by the Dutch Central Bank. · embed.co, 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, 8 Oct 2026
- Support process
- Embed describes pre-launch integration help that includes API integration, sandbox testing, and verification before launch. · docs.embed.co, 8 Oct 2026
- Use cases
- The site lists EV charging, field services, proptech, wellness, ticketing, retail, and automotive as use cases. · embed.co, 8 Oct 2026
- Virtual accounts
- Embed offers domestic virtual IBANs across Europe safeguarded by tier-one banks. · embed.co, 7 Oct 2026
- Who it serves
- Embed describes its audience as software platforms and lists EV charging, field services, proptech, wellness, ticketing, retail, and automotive use cases. · embed.co, 7 Oct 2026
Where Embed stands on Freedom251
- Embedded Payments Platforms#10 of 28
- Payment Facilitation Platforms#11 of 25