DreamPay vs Embed
DreamPay
dreampayments.comEmbed
embed.coSide by side
| Figure | DreamPay | Embed |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Plans published | 0 | 1 |
| Spec score · Embedded Payments Platforms | 7.7 (#10) | 7.9 (#6) |
| Intended customers | Dream describes its solutions for banks and other financial institutions, insurers, software platforms, and marketplaces. | The company describes its product as payments infrastructure purpose-built for vertical SaaS platforms. |
| Product | DreamPay provides embedded and private-label payment solutions for merchant acquirers, software platforms, insurance companies, and financial institutions. | Embed provides payment infrastructure built for software platforms, including a single integration for ecommerce and point-of-sale payments. |
| Reporting | The revenue-sharing platform includes a reporting dashboard with real-time visibility into transactions and revenue earned. | Embed says its platform provides comprehensive reports to support finance and accounting processes. |
| Security | Dream says its platform follows PCI DSS and SOC 2 standards and uses end-to-end encryption for payment transactions and payouts. | Embed says it is PCI-DSS compliant and licensed by the Dutch Central Bank. |
| Support | The company invites prospective customers to schedule a demo or contact its team for integration support. | The pricing page lists 24/7 payments support, technical support on Slack, implementation, and a low-code components library as free. |
Plans
In their own words
DreamPay
DreamPay provides embedded and private-label payment solutions for merchant acquirers, software platforms, insurers, financial institutions, and marketplaces. Clients can add inbound and outbound digital and mobile payments within their core applications, and the company also offers point-of-sale solutions for in-person payments. Online payments can be one-time or recurring, by credit or debit card or by bank transfer through ACH in the US and EFT in Canada. Checkout options include hosted payment pages, embedded checkout, and one-click payments with stored cards. Payout methods include ACH, EFT, real-time payments, virtual cards, Interac e-Transfer, and cheques. A dashboard tracks transaction volume, success rates, revenue, refunds, and chargebacks. Its APIs support payment data integration and webhook notifications for payment outcomes and status changes. Dream says its platform follows PCI DSS and SOC 2 standards, uses end-to-end encryption for transactions and payouts, and includes KYC and AML tools; its security page also lists GDPR compliance. A zero-fee option passes processing fees to customers using a flat or percentage-based fee. Pricing is on request.
Embed
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.