Embed vs Finix
Embed
embed.co
Finix
finix.comSide by side
| Figure | Embed | Finix |
|---|---|---|
| Price from | — | $250/mo |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 3 |
| Spec score · Embedded Payments Platforms | 7.9 (#6) | 7.8 (#8) |
| Spec score · Payment Facilitation Platforms | 7.9 (#8) | 7.8 (#9) |
| Intended customers | The company describes its product as payments infrastructure purpose-built for vertical SaaS platforms. | Finix describes its customers as including SaaS platforms, marketplaces, and ecommerce businesses, as well as merchants processing payments for their own goods and services. |
| Payment methods | The pricing page lists credit and debit cards, Vipps/MobilePay, iDEAL, SEPA instant, SEPA direct debit, and open banking. | Finix lists cards, bank accounts, digital wallets, and ACH among the payment methods available for online payments. |
| Product | Embed provides payment infrastructure built for software platforms, including a single integration for ecommerce and point-of-sale payments. | Finix provides a payments platform with an API and dashboard for businesses to accept and embed payments and manage payment operations. |
| Security | Embed says it is PCI-DSS compliant and licensed by the Dutch Central Bank. | Finix's Trust Center lists PCI DSS, SOC 1, and SOC 2 reports and provides access to security and compliance information. |
| Support | The pricing page lists 24/7 payments support, technical support on Slack, implementation, and a low-code components library as free. | The direct merchant pricing page lists dedicated implementation manager and developer support, plus 24/7 emergency support, among its additional benefits. |
Plans
Finix
- Direct Merchants — Standard$250 a month
- Custom pricingPriced on request
- Platforms — StandardPriced on request
In their own words
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.
Finix
Finix is a payments platform for businesses that accept payments or build payment operations into their own products. Its API and dashboard support online and in-person payments, with online methods including cards, bank accounts, digital wallets, and ACH. Payment Links, a Virtual Terminal, and invoices let businesses take or request payments from the dashboard without a custom integration. Recurring billing tools cover subscriptions, installment payments, membership fees, and recurring donations. Finix lists ecommerce integrations for Shopify, WooCommerce, BigCommerce, Drupal Commerce, Adobe Commerce, PrestaShop, and OpenCart. Its tokenization system is described as PCI-compliant, and its Trust Center provides security and compliance information, including PCI DSS, SOC 1, and SOC 2 reports. The direct merchant Standard plan is $250 a month; transaction and other fees also apply. Listed fees include $30.00 per dispute and a $35.00 monthly PCI non-compliance fee until remediated. A starting price is listed as $2.50/mo.