Own your payments. Without becoming a payments company.
Embedded payments and embedded finance infrastructure for vertical SaaS. Your product, your brand, your customer relationship — our rails.
The Strategic Case
Your customers pay through your product. Why does someone else capture the economics?
Every dollar your customers move through your software is a dollar a payments company is capturing margin on. Card networks, processors, gateways — all earning interchange or spread on transactions that wouldn't exist without your product. Most vertical SaaS companies have accepted this as the cost of doing business. The companies that haven't — Shopify, Toast, Mindbody, ServiceTitan — are the ones that turned payments into the largest line on their P&L.
The reason most platforms don't own their payments isn't strategy — it's cost. Becoming a payments company means PCI compliance, KYC (Know Your Customer) and KYB (Know Your Business) workflows, chargeback operations, sanctions screening, dispute management, processor negotiations, bank registration, and the people who do all of that. That work alone takes 18 months and a multimillion-dollar payments team. Most vertical SaaS companies can't justify the investment.
Paycile is the infrastructure that lets you skip the 18 months. You embed the payment surface and the embedded finance shelf inside your product. The platform handles the day-to-day operations — PCI-compliant payment capture, chargeback case management and dispute tooling, sanctions screening, and the processor relationship — so your team doesn't need to staff for it. Chargeback financial liability ultimately sits with the merchant of record under card-network rules; Paycile's role is to reduce the operational burden of handling cases and to keep the loss exposure as narrow as possible. You capture the economics on every payment your customers make.
How the Embed Works
Three integration patterns. One platform. Your engineering team's choice.
Paycile is built to embed three different ways, from a no-code hosted page to a fully headless API integration. Pick the pattern that matches how your product is structured and how much UX control you want.
Pattern 00 - No-Code
Hosted payment page
No integration required. Paycile hosts a branded payment page; you link to it from your product, an email, an invoice PDF, or a QR code. The customer pays on a Paycile-hosted URL and is redirected back to a confirmation screen of your choice. Right for platforms that want to start accepting payments before any engineering work, or for one-off and ad-hoc collection flows.
Pattern 01 - Lightest Embed
Iframe
A Paycile-rendered payment or shelf surface embedded inside your product as an iframe — not a redirect. The customer never leaves your URL; the surface renders inline, styled to match your brand within Paycile-defined boundaries. Best for platforms that want embedded payments quickly without significant product-team involvement.
Pattern 03 - Headless
API
Headless integration. You call Paycile APIs from your product, get back structured responses, and build whatever surface you want. Right for platforms that have specific UX requirements or want to embed payments into existing workflows. Onboarding is co-designed with your product team.
What You Get
Four economic levers your product gains.
Payment processing revenue
Every payment that runs through your platform generates processing revenue. Paycile shares that revenue with you. Terms are negotiated per platform during the commercial conversation — not a fixed take rate. At scale the math is meaningful: a vertical SaaS platform processing several hundred million in annual customer payment volume can see seven-figure annual recurring revenue from the payment line alone.
Embedded finance attach revenue
Inside your product, your customers see a configurable shelf of financial products — financing, insurance, credit reporting, rewards. Specialty partners handle underwriting and credit decisions; your platform captures a share of every attach. This is the same shelf described on the business-owner pages, viewed from the platform side: a second revenue line on top of payment processing, with the operational risk sitting with the financial partner rather than with you.
PCI and compliance scope avoided
The platform is designed to limit PCI scope, chargeback workload, and compliance overhead for the software platform and the merchant — without changing who signs the merchant agreement. KYB (Know Your Business) and KYC (Know Your Customer) onboarding, sanctions screening, processor relationships, and dispute tooling are part of what Paycile provides. The work that would otherwise require an 18-month buildout and a payments team stays out of your stack. The merchant of record remains the merchant; their compliance burden is materially reduced, not eliminated.
Brand and customer relationship preserved
Paycile is invisible to your customers. The payment surface carries your brand, your URL, your customer service paths. From your customers' perspective they're paying you. The processor relationship sits behind a layer they never see.
How a Conversation Starts
60 minutes. Two people from each side.
The first conversation is a scoping call — not a sales pitch and not a demo. You bring a product or engineering lead. We bring Jim (CEO) and Paul (Chief Payments Officer). We spend 60 minutes understanding your product, your customer payment flow, your existing payments arrangements if any, and what an embedded payments deployment would look like in your context.
If there's a fit, the next conversation is a working session: deeper technical scoping, a draft commercial structure, and a target timeline. If there isn't a fit, we'll tell you why we think so. We don't sell into companies where Paycile isn't the right answer.
Paul attends every one of these conversations. The Deluxe relationship, the rails, the partner stack — you talk to the person who built them.
Team and Proof
Built by the people you'd want building this.
Paycile is built by founders who have spent decades doing exactly what this page is offering. Jim Fitzgerald (Co-Founder, CEO) previously built a 12-year Inc. 5000 honoree — one of fewer than three dozen companies nationwide to hold that distinction — and now applies the same operating discipline to the embedded finance category. Paul Huntley (Co-Founder, Chief Payments Officer) spent 27 years building embedded payment solutions for software companies; the Paycile rails are the rails he built. Steve Leighty (Co-Founder, CTO) spent 25 years building data infrastructure for healthcare and insurance — industries where compliance, auditability, and accuracy are non-negotiable.
Bank Registration and Rails
- Bank registration: Registered ISO of Fifth Third Bank, N.A., Cincinnati, OH
- Payment rails: Deluxe Payment Systems — a top-20 merchant processor that handles over $2 trillion in annual payment volume
- Reduced compliance burden: platform designed to limit PCI scope, KYB/KYC workload, sanctions screening, and chargeback operations for embedded payments — without taking merchant-of-record status
Let's see if there's a fit.
60 minutes. Jim and Paul on the call. No commitment, no sales pressure.
Schedule a scoping conversation