SaaS success used to mean growing subscription revenue. But with subscription fatigue rising, platforms need new revenue levers. Embedded finance turns SaaS into fintech wrappers:
✔️ In-App Wallets: Top-up, hold, spend
✔️ Refunds & Loyalty: Wallet-based incentives
✔️ Monetized Flows: Charge for perks (priority access, balance locks)
Action: Audit feature sets for wallet monetization potential; shift refunds into stored value.
FX spreads eat SaaS margins quietly. 63% of CFOs in B2B SaaS cited FX costs as a top concern in global expansion.
✔️ Multi-Currency Wallets
✔️ Real-Time Conversion Logic
✔️ Treasury Automation with API Control
Action: Map current FX loss points; layer in logic for rate-triggered conversion and payout automation.
Locked-in PSPs kill agility. As Gartner reports, 78% of mid-market SaaS leaders seek multi-vendor orchestration by 2025.
✔️ Modular APIs
✔️ Vendor-Agnostic Routing
✔️ Custom Logic (escrow, deferred KYC)
Action: Audit PSP dependencies; build flow charts with ideal routing & logic.
Fraudsters scale with you. SaaS with team-based accounts and flexible payout logic face higher synthetic ID and account takeover risk .
✔️ Behavioral AI
✔️ Role-Based Permissions
✔️ Real-Time Fraud Scoring
"Software is no longer the full story. Embedded finance is the next chapter—and you need the right infrastructure to write it."
Andy van Susteren Sales Lead @ Mangopay Connect on LinkedIn
Ready to future-proof your SaaS business? Let’s talk.