Payment Monetization on SaaS Platforms: How to Save Money


Monetization of payments, cost reductions, and other non-direct expenses

Merchant and processing services have typically not been offered by software-as-a-service platforms. Middleman firms such as ISOs and other service providers supply merchant services.

SaaS platforms, on the other hand, are currently in a position to benefit from merchant services rather than third-party middlemen. It’s possible for them to offer these options in addition to their main offerings. By embedding payment features as a value-added offering, a SaaS firm can sell its main product along with payment capability. Some platforms offer extra services for an extra fee that subscription-based businesses and franchises may be able to use.

Many ways exist for a SaaS platform to make money. Various markups, sophisticated payment features, a variety of payment plans, payment hardware leasing, and transparent reporting are just some options available. Some platforms offer extra services for an extra fee that subscription-based businesses and franchises may be able to use.

In the payment monetization guide, you will get a detailed explanation of all of these payment monetization strategies.

Increased savings and reduced indirect expenses can be achieved through payment monetization

Payment monetization for platforms is commonly associated with an increase in numerous income streams. Embedded payments, on the other hand, allow SaaS firms to not only raise their earnings but also efficiently lower their operating expenses. This allows them to focus on developing their main products and services, which in turn allows them to save money. An ounce of prevention pays for itself in spades.

You may save money on merchant onboarding costs by integrating payments. Besides saving money on tech assistance, the more transparent merchant statements are, the more money you make. Clear reporting data that answers all of their questions, which leads directly to fewer calls to customer service.

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SaaS platforms can encourage their merchants to streamline their transaction volumes as well. In order for merchants to get better offers from the processors, they should combine payments. When looking for a payment solution, processing costs are still the most important thing for a lot of companies and platforms.

Enter Payment Monetization.

Having a strategy to monetize payments gives SaaS companies an additional revenue stream while enhancing the customer experience and reducing churn.

While the embedding of payments may not be at the top of the list when initially building out software solutions, more businesses are looking into embedded commerce as yet another value-added offering that differentiates their preferred software solution from other competitors.

But how exactly should a software company monetize payments? Here’s a look at what organizations need to know about integrating and monetizing payment software features.

What is Payment Monetization?

Payment monetization is the action of adding payments as a software feature within your platform and then charging customers when they utilize your offerings.

Software companies take direct control of the experience by owning the payments process. Companies that implement payment monetization create a more complete, branded payments experience tailored to the needs of their software users. This includes underwriting, risk management, and settlement experiences, which have been traditionally managed by third parties.

The Benefits of Payment Monetization

There are several reasons to consider payment monetization for your SaaS platform. Consider the following advantages.

Have Additional Revenue Streams

For starters, payment monetization enables you to… well, monetize payments on your platform. This provides an additional revenue source for your business, which boosts your bottom line.

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Payment monetization helps diversify your revenue streams, thus putting your business in a better financial position.

Provide More Value to Software Users

Incorporating payments into your product or service suite allows you to serve your customers better. You’re able to offer additional features and capabilities, so users can do more with your software. As a result, users get more value from your platform, which improves customer satisfaction.

Improve the User Experience

Handling the payments side of things enables you to offer a more seamless and consistent experience to your users.

This also means that your customers won’t have to deal with too many third-party vendors, because any concerns they have regarding software, features, and payments can be handled under your roof.

Reduce Churn

All the benefits mentioned above lead to lower rates of churn. Since people get better value, experiences, and capabilities from your software, they’re less likely to jump ship. Weaving in payments into your offerings can make you a more valuable vendor. This, in turn, reduces churn.


Payment monetization may be both profitable and cost-effective for SaaS companies. As a result, they may not only profit from the payment options they integrate with their main product, but also minimize indirect expenses.

UniPay Gateway is a customizable white-label payment gateway platform that has already been adopted by several SaaS enterprises. It will allow you to both make money and save money on payment monetization at the same time, making your platform more profitable. Feel free to ask questions, and be sure to go over our detailed payment monetization standards as well.



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