Embedded payments and payouts platform for vertical SaaS
Payrix is an embedded payments platform owned by Worldpay/FIS, designed for software companies that want to monetise payments inside their own product. We picked it because for vertical SaaS (field-service, healthcare, education, property management), letting your customers process cards, pay subcontractors and split payouts inside your software is one of the highest-margin product extensions you can ship.
Payrix offers two integration depths: PayFac-as-a-Service (PFaaS), where Payrix is the payment facilitator and you embed via API, and full Managed Payment Facilitation, where you become a registered PayFac with Payrix providing infrastructure, compliance and underwriting. Either way, you get card-present, card-not-present, ACH and recurring billing, plus split payouts to multiple parties from a single transaction.
The platform exposes REST APIs and SDKs for hosted fields, drop-in checkouts and white-label dashboards. KYC, KYB and underwriting flows ship as embeddable forms.
Payrix is contract-based. A typical structure is interchange-plus pricing on cards (e.g. interchange + 0.20-0.40% + 8c), plus a platform/SaaS fee per transaction (often 0.30-0.80%) for the embedded layer. ACH typically runs 0.5-1.0% with caps. Onboarding includes underwriting, compliance review and integration certification, which usually takes 8-16 weeks for a new platform.
| Platform | Strength | Weakness vs Payrix |
|---|---|---|
| Payrix | Vertical SaaS focus, FIS backing | — |
| Stripe Connect | Best developer UX, fastest onboarding | Less revenue share to platform, less hand-holding |
| Adyen for Platforms | Strong global coverage | Higher minimum volume thresholds |
| Finix | True PayFac path with full infra | Less mature than Payrix in some verticals |
Buy if you run a vertical SaaS with real transaction volume from end customers, you want to capture payment revenue rather than passing it to Stripe, and you can stomach a 2-4 month onboarding to launch the embedded layer.
Skip if you are pre-launch or have low volume (use Stripe Connect first), you want a self-serve developer experience without sales calls, or you do not need split payouts or platform-level economics.
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Founders building new SaaS products need billing infrastructure fast. Payrix handles subscriptions, invoicing, and payment recovery so the team focuses on product. Dunning workflows recover failed payments automatically, reducing churn.
Agencies selling SaaS solutions to end customers use Payrix's white-label checkout to hide the underlying infrastructure. Clients see the agency's branding, not Payrix's, strengthening the resale relationship.
RevOps teams managing recurring revenue streams use Payrix to automate invoice generation and failed payment recovery. The platform's retry logic and dunning workflows cut manual follow-up by 60–80%, freeing the team for higher-value work.
Quarterly access to product leadership.
Bonus credits redeemable on partner tooling.
We re-verify the offer every quarter so it never goes stale.
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Check your investor or accelerator benefits portal for the Payrix partner code. Y Combinator, Sequoia, and most Tier 1 VCs have codes available.
Renewals stay at the same rate — verified by us, not the vendor.
| Feature | Payrix |
|---|---|
| Free trial | 14 days |
| Cheapest paid plan | $0/mo |
| Annual discount | Up to 25% |
| Refund window | 30 days |
| Setup time | < 1 hour |
| Best for | Founders |
“Best embedded payments for property management vertical”
“White-label payments kept patients in our platform experience”
“Payments became a revenue line, not just a feature”
1 free transaction for new accounts
FREE until your first $1Million in revenue
Free Business Account
Verified offer
Verified offer
$30 signup discount for new users
Free Basic plan + partner onboarding
Free payment terminal + flat 0.99% rate via partner link
