At SaaStr Annual, Jamie Del Porto, Head of Account Management, shared a deep dive on how embedded finance really works for B2B companies (and beyond):
The TL;DR on Embedded Finance in 2025
- Embedded finance isn’t just payments anymore – it’s a massive revenue opportunity that’s transforming how SaaS companies monetize
- SaaS platforms are seeing up to 70% revenue uplift from embedded finance offerings
- 97% higher customer satisfaction when platforms offer financial services
- The magic ratio: $1 in embedded finance = $3 in compounded revenue potential
Why SaaS Companies Can’t Ignore This Anymore
The data is crystal clear – if you’re not thinking about embedded finance, you’re leaving serious money on the table. Here’s what we’re seeing:
- Over 50% of businesses are struggling with cash flow
- Nearly 1/3 of businesses get rejected by traditional credit providers
- Your customers are already asking for this: satisfaction jumps 97% when you offer financial services
What’s Actually Working
The winning playbook we’re seeing from successful platforms:
- Start with basic payment integration into your SaaS
- Layer in financial services (loans, bank accounts, cards)
- Focus on speed-to-money – customers want instant access to funds
- Build a “financial OS” within your platform – make it sticky
Real Examples: The Proof is in the Numbers
Case Study #1: Tatura (Arts & Culture SaaS)
Problem: Fragmented payments, poor UX, innovation roadblocks Solution: Consolidated payments + embedded finance Result: Dramatic improvement in customer experience + new revenue streams
Case Study #2: Major POS Provider
- Expanded from basic payments to full financial services suite
- Multi-region rollout (US, UK, EU, Australia)
- Key differentiator: Own banking license = direct financial services
- Target: Underserved SMBs rejected by traditional banks
The 5 Must-Haves When Choosing an Embedded Finance Partner
- Rock-solid payments experience
- Easy-to-integrate tech stack (APIs are table stakes)
- Full regulatory/compliance coverage
- Global payment capabilities
- Direct banking relationships (avoid middlemen)
The Bottom Line
The embedded finance opportunity is massive and growing. The platforms that move first are seeing 70%+ revenue uplifts and dramatically improved retention. But the window for being early won’t last forever.
What To Do Next
- Audit your current payment/finance offerings
- Survey your customers about their financial pain points
- Start conversations with embedded finance providers
- Focus on partners who can scale globally with you
Remember: In SaaS, revenue diversity is power. Embedded finance isn’t just a feature – it’s becoming a core part of how the best SaaS companies monetize and retain customers.
