Software platforms are transforming how people pay, borrow, and manage money. In the past, customers relied on separate banks, lenders, or insurers to complete financial tasks. Today, more of these services are being built directly into the digital products people already use. This shift is called embedded finance, and it’s becoming one of the most impactful trends in financial technology.
For SaaS executives, product leaders, and business owners, embedded finance offers a new way to increase the value of their vertical-specific platform, build revenue, and strengthen and deepen customer relationships. And while embedded payments are the most common starting point, the model extends much further. With the right partner, platforms can add tools like recurring billing, white-label solutions, or even banking functions like lines of credit, deposit accounts and disbursement tools without becoming a bank themselves.
Aurora Payments currently supports vertical-specific software companies and service platforms with embedded payments infrastructure designed to launch quickly and scale over time. Aurora is also developing the next generation of embedded finance tools to further strengthen and expand the services offered by our ISV Partners to the merchants they serve.
What is Embedded Finance?
Embedded finance means integrating financial services like payments, lending, insurance, or banking into software that was not originally designed for finance. For example, a pet care scheduling platform that lets users book appointments and also pay within the app is offering embedded payments. An auto repair shop system that lets customers finance their bill through the same platform is using embedded lending. The financial tools are no longer separate, they are built into the core product workflow and offer a more seamless and intuitive user experience.
The biggest benefit of this approach is convenience. Users no longer have to bounce between platforms or log into different systems to complete tasks. The platform is empowered to build and deliver a more relevant and curated experience that keeps the user engaged and captures more value from each transaction.
Beyond payments: lending, insurance, banking as a service
Embedded finance is not limited to payment processing. It includes lending options, such as buy-now-pay-later or working capital financing. It includes insurance offerings that can be added at the point of sale. It can also include banking services, such as automated account creation, custom deposit accounts for faster deposit availability, or debit card issuance for fund disbursement with full spend controls, all designed to work seamlessly within the SAAS company’s native application.
Aurora has built its ARISE platform, a modern technology platform with easy to use integration components, as the foundation for many of these services. Today we offer businesses the ability to accept ACH, credit cards, and digital wallets within their software, and we give platforms the tools they need to start participating in embedded finance. As our Partner’s strategy expands, the services offered through the ARISE platform will expand as well – ensuring that our Partners can participate in, and thrive within this new payments frontier and scale with confidence over time.
Key Benefits of Embedded Finance
Software companies are embracing embedded finance not just because it is more convenient for users, but because it helps the business itself. Here are three core benefits to remember that make embedded finance a smart strategy.
Customer retention and platform stickiness
When your users can complete more tasks inside your software, they are more likely to stay. Payments are often the first step. Instead of directing users to an outside payment page, embedded payments allow them to complete a transaction inside your application. That convenience builds loyalty. It also allows you to offer services like recurring billing, stored payment methods, and digital invoicing that keep customers connected to your platform over time. You worked hard to earn your customers, Aurora makes it easier to keep them.
Aurora’s ARISE platform allows software providers to embed branded payment flows that support these use cases. Once payments are integrated, software companies can build additional features around that foundation, including revenue reporting, loyalty programs, or installment billing.
New revenue from payment activity
Another reason SaaS companies invest in embedded finance is because it opens a new revenue stream. Every time a customer makes a payment, the software provider can earn a share of the transaction. Over time, this can become a major contributor to the company’s bottom line, especially if the customer base is growing.
Software companies can create a new monetization stream without having to build or manage a payments infrastructure from scratch. Aurora provides the APIs, embeddable components, onboarding tools, and compliance support needed to operate in the background, while the software provider focuses on growth.
Fully branded user experience
Brand matters, especially for companies that have invested in their design and customer experience. With embedded payments, payment flows remain inside the software platform and reflect the Partner’s branding. This includes checkout pages, receipts, account management screens, and more. This continuity of experience reinforces our Partner’s brand and the trust they have built with their customers.
Aurora gives partners full control over the look and feel of their payment experience. The platform provides flexible APIs and easy to use interface components that can be styled to match their brand. There is no need to redirect to a third-party processor or use off-brand forms. This allows platforms to offer a seamless user experience while Aurora handles processing behind the scenes.
Where Aurora Fits In
Aurora Payments provides embedded payment tools specifically for SaaS companies, software vendors, and vertical platforms that want to add financial functionality to strengthen their core software product. The ARISE platform offers everything a software development team needs to launch and scale quickly.
Our focus on embedded payments
Aurora’s platform includes features like ACH transfers, credit card acceptance, network tokenization, stored payment credentials, and recurring billing. These tools can be easily embedded through APIs, SDKs, and hosted components. Partners can create custom payment flows that match their use cases, whether they are running a fitness platform, a repair scheduling tool, or a field service CRM.
Behind the scenes, Aurora manages transaction processing, risk and fraud protection, compliance, and settlement. The platform supports both card-present and card-not-present environments and is designed to work across multiple devices and locations.
How we support ISVs
Aurora works directly with independent software vendors (ISVs) to embed payments into their products. Every partner receives a dedicated solutions engineer, a full sandbox for testing, and access to Aurora’s U.S.-based support team.
Most importantly, the onboarding process is a curated and fully guided experience that includes dedicated assistance with API integration, payment flow design, and merchant enrollment workflow. Aurora provides branded onboarding tools so ISVs can onboard their users under their own brand, with Aurora operating in the background.
Aurora Partners also receive a dedicated Partner Success Manager. This Partner resource is focused on providing consulting expertise to ensure our Partners take full advantage of our decades of go-to-market experience to help Partners hit the performance metrics and milestones that are important to them.
Once the platform is live, ISVs get access to reporting dashboards, revenue tracking, and performance metrics. Aurora’s team works with partners to optimize performance and support future growth.
Embedded Payments in Action
Aurora supports embedded payments across a wide range of industries. Here are a few examples of how the platform delivers value in real-world use cases:
- Veterinary platforms can offer recurring wellness plans with automatic tokenized credit card billing, reducing missed payments and administrative work.
- Jewelry software providers can enable high-ticket transactions through secure ACH transactions using VerifyPlus within their in-app payments to reduce credit card fees and minimize risk.
- Transportation and logistics platforms can use text-to-pay and itemized invoicing for faster settlement and predictable cash flow across multiple locations.
- Funeral home management software can provide branded, discreet ACH payment links for pre-need and at-need services.
- Sporting goods and league management systems can automate team dues and equipment fees using stored payment methods that are automatically updated as lost, stolen, or expired cards are updated.
Each of these examples shows how embedded payments not only simplify operations but also open up new revenue opportunities for the software provider.
Fintech Integration
Embedded finance is not just a trend. It is becoming a core expectation across industries. As users expect more from their software tools, platforms that offer integrated financial services will stand out.
Aurora Payments gives SaaS companies and software platforms a fast, reliable way to embed payments into their product. With modern APIs, strong support, and a clear revenue model, Aurora helps platforms move from payment processing to full financial integration.
If your platform is ready to grow through embedded payments, Aurora offers the tools and support to make it happen. Let’s go!
