Embedded Payments: Turning Checkout into a Strategic Advantage - Featured Image

Embedded Payments: Turning Checkout into a Strategic Advantage

By Fortis |

Read time: 5 minutes 

Getting a customer to the checkout page is only half the battle. The last step of the buyer journey is often the hardest—and where revenue is won or lost. 

For businesses and platforms alike, clunky checkout experiences don’t just frustrate customers—they also create friction that increases cart abandonment, delays cash flow, and drains internal resources. According to the Baymard Institute, nearly 70% of online transactions stall before completion, with friction in the payment step being among the top culprits.  

The good news? Embedded payments change the story. By making checkout seamless, integrated, and secure, they help businesses speed up transactions, strengthen customer relationships, and unlock new growth opportunities.

Why Embedded Payments Matter 

Embedded payments transform checkout from a technical hurdle into a growth driver: 

  • For customers → Faster, easier, more secure checkouts build trust and encourage repeat purchases. 
  • For businesses → Streamlined operations, faster cash flow, and fewer abandoned carts. 
  • For platforms and partners → Stronger retention, new monetization opportunities, and higher customer satisfaction. 

Instead of viewing payments as an afterthought, leading platforms and mid-market businesses now see them as a core part of customer experience and long-term growth.

For Software Platforms: Retain More Users, Unlock More Revenue 

Checkout isn’t just a back-end function—it’s a brand moment. For platforms managing complex catalogs, omnichannel fulfillment, and high expectations, embedded payments eliminate fragile plug-ins and third-party redirects. 

With embedded payments, platforms can: 

  • Offer faster checkout options like one-click repeat purchases and stored payment methods 
  • Support multiple payment types—cards, ACH, and digital wallets like Apple Pay 
  • Provide native subscription billing and seamless compliance tools 

The result: platforms differentiate their offering, improve user retention, and gain new upsell opportunities.

For Partners: Deliver Value Without the Headaches 

Agencies, system integrators, and developers know the pain of dealing with outdated plugins, constant troubleshooting, and compliance issues. Each support ticket eats into margin and erodes client trust. 

With embedded payment solutions, partners gain access to: 

  • Pre-built extensions for top platforms like Adobe Commerce, Magento, BigCommerce, WooCommerce, and Shopify 
  • Robust APIs and sandbox environments for customization 
  • Ongoing technical support and enterprise-grade scalability 

That means faster go-lives, fewer maintenance calls, and stronger client relationships.

For Mid-Market Businesses: Faster Cash Flow, Less Manual Work 

For B2B and service-driven companies, payment processes don’t stop at checkout—they touch invoicing, fulfillment, and accounting. Manual reconciliation wastes time and slows down revenue recognition. 

Embedding payments into ERP systems like Sage, NetSuite, Microsoft, and Acumatica helps businesses: 

  • Automate reconciliation and cash application 
  • Shorten Days Sales Outstanding (DSO) 
  • Simplify complex billing cycles and credit terms 
  • Gain unified reporting across sales channels 

The impact is tangible: According to Gartner, automation can save finance teams up to 25,000 hours of avoidable rework annually, translating to potential savings of nearly $878,000 for a 40-person team.

The Omnichannel Advantage 

Today’s buyers don’t think in channels. They expect to start a transaction on one device and finish it on another without re-entering details or losing their history. 

Embedded payments make that possible—enabling unified pricing, stored payment methods, and loyalty programs that follow customers wherever they shop, whether online, in-app, or in-store. The result is a consistent, loyalty-building experience across every touchpoint.

Smarter Insights, Stronger Decisions 

Every transaction generates data, but without embedded payments that information is often fragmented and underutilized. 

By connecting payment activity with order and customer data, embedded payments help businesses: 

  • Spot high-value customer segments 
  • Reduce chargebacks and failed transactions 
  • Forecast cash flow with confidence 
  • Optimize pricing, bundles, and promotions 

These insights translate into smarter decisions that strengthen both operations and growth strategies.

Built-In Security and Compliance 

Managing PCI DSS compliance, tokenization, and fraud prevention in-house is both expensive and risky. 

Embedded payments handle that responsibility at the infrastructure level—protecting sensitive data while reducing the operational burden on your team. Businesses can focus on growth, not audits, knowing their payment systems are secure and compliant.

Don’t Let Checkout Hold You Back 

Customer expectations are rising fast. Subscription commerce, digital wallets, and omnichannel journeys are no longer “nice to have”—they’re the new standard. Businesses that modernize their payment strategy today will build the foundation for loyalty, efficiency, and growth tomorrow. 

At Fortis, we partner with software platforms, partners, and mid-market businesses to make payments not just seamless—but strategic. 

Ready to turn your checkout into a competitive advantage? Contact Fortis to learn how embedded payments can transform your business.