The Complete Guide to Software-Led Payments

Software-led payments are transforming how businesses operate—turning what was once a back-end cost into a growth engine. By embedding payments and financial experiences directly into their platforms, software companies can drive customer loyalty, increase revenue, and deliver seamless, branded user journeys. This guide explores the three main payment models—Referral Partnerships, PayFac-as-a-Service, and PayFac®—to help software providers choose the right balance of control, speed, and scale for their business strategy.

Key Takeaways

• Embedded payments turn the customer experience into a competitive advantage.
• Referral models offer fast entry with low risk, while PayFac® delivers full control and the highest returns.
• PayFac-as-a-Service strikes the “sweet spot” between revenue potential and operational simplicity.
• The right partner accelerates growth through white-labeled integration, compliance, and expert support.

Transform your software into the ultimate hub for every interaction and transaction.

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