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SPECIFICTION
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Embed

embed.co

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Spec score 7.9 #6 of 28 in Embedded Payments Platforms

What it is

Embed provides payment infrastructure for software platforms through one integration covering ecommerce, point-of-sale, and subscription payments. Platforms can configure tiered, blended, or cost-plus pricing by customer segment. Balance accounts, flexible rules, and APIs support moving funds among multiple parties and scheduling or requesting payouts. Embed also offers domestic virtual IBANs across Europe, 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 payments, recurring payments, and balance accounts. A functional sandbox supports integration and payment tests, test-merchant onboarding, credential management, and reconciliation-report downloads. The service provides reports for finance and accounting and support through integration, verification, onboarding, and operations. Embed states PCI-DSS compliance and describes regulatory coverage through Embed B.V. and Embed Pay Ltd. It is paid, has no free plan, and lists a pay-as-you-go option with no monthly fees; transaction pricing is €0.15 gateway fee plus IC+ + 0.50% for cards.

Spec sheet

Product
Embed provides payment infrastructure built for software platforms, including a single integration for ecommerce and point-of-sale payments.Read 8 Oct 2026 · embed.co
Integrations
Embed provides APIs and components for payment components, payment links, in-person payments, recurring payments, and balance accounts.Read 8 Oct 2026 · docs.embed.co
Security
Embed says it is PCI-DSS compliant and licensed by the Dutch Central Bank.Read 8 Oct 2026 · embed.co
Support
The pricing page lists 24/7 payments support, technical support on Slack, implementation, and a low-code components library as free.Read 8 Oct 2026 · embed.co
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.Read 7 Oct 2026 · openfx.com
Acquisition
Embed's homepage says it has been acquired by OpenFX and notes that the acquisition is subject to DNB and FCA approval.Read 7 Oct 2026 · embed.co
Balance accounts
Platforms can use balance accounts and flexible rules or APIs to orchestrate funds and disburse payments to multiple parties.Read 7 Oct 2026 · embed.co
Company status
The site states that Embed has been acquired by OpenFX, with the acquisition subject to DNB and FCA approval.Read 8 Oct 2026 · embed.co
Intended customers
The company describes its product as payments infrastructure purpose-built for vertical SaaS platforms.Read 8 Oct 2026 · embed.co
Money movement
Platforms can use balance accounts to orchestrate funds between multiple parties and configure payouts on demand or on schedules.Read 8 Oct 2026 · docs.embed.co
Onboarding
Embed says merchants can be onboarded to a platform in less than 48 hours.Read 8 Oct 2026 · docs.embed.co
Payment methods
The pricing page lists credit and debit cards, Vipps/MobilePay, iDEAL, SEPA instant, SEPA direct debit, and open banking.Read 8 Oct 2026 · embed.co
Pricing controls
Platforms can set tiered pricing by customer segment and choose blended or cost-plus pricing for each service.Read 8 Oct 2026 · embed.co
Processing limit
The PAYMENTS_LIMITED capability allows payments up to €10k volume per 30 days; PAYMENTS_STANDARD has no payment limit.Read 8 Oct 2026 · docs.embed.co
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.Read 8 Oct 2026 · embed.co
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.Read 7 Oct 2026 · embed.co
Reporting
Embed says its platform provides comprehensive reports to support finance and accounting processes.Read 7 Oct 2026 · docs.embed.co
Sandbox
Platforms can use a functional sandbox to test integrations, test payments, onboard test merchants, manage API credentials, and download reconciliation reports.Read 7 Oct 2026 · docs.embed.co
Support process
Embed describes pre-launch integration help that includes API integration, sandbox testing, and verification before launch.Read 8 Oct 2026 · docs.embed.co
Use cases
The site lists EV charging, field services, proptech, wellness, ticketing, retail, and automotive as use cases.Read 8 Oct 2026 · embed.co
Virtual accounts
Embed offers domestic virtual IBANs across Europe safeguarded by tier-one banks.Read 7 Oct 2026 · embed.co
Who it serves
Embed describes its audience as software platforms and lists EV charging, field services, proptech, wellness, ticketing, retail, and automotive use cases.Read 7 Oct 2026 · embed.co

Plans and prices

Pay-as-you-go (Interchange++) Price not published 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 Read 8 Oct 2026 · embed.co

Every Embed plan and price →

Strong points and limits

Strong points

  • Single integration for multiple payment types
  • Configurable segment-based pricing
  • Flexible multi-party payouts
  • Functional integration sandbox
  • Virtual IBANs across Europe

Limits

  • Paid product with no free plan
  • Pay-as-you-go transaction fees apply
  • Some payment limits depend on capability tier
  • Acquisition remains subject to regulatory approval

Who it suits

Embed suits vertical SaaS platforms in areas such as EV charging, field services, proptech, wellness, ticketing, retail, and automotive.

Verdict

Embed combines payment acceptance, account operations, pricing controls, and payout orchestration for software platforms. Its sandbox, payment-method coverage, and regulatory information support implementation planning, while the paid model and transaction fees require budgeting.

Where Specifiction places it

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