Embedded Payments Infrastructure Platforms sector
Strategic acquirers, private equity (buyout funds and growth funds) firms, and valuation benchmarks for Embedded Payments Infrastructure Platforms
1.1 - About Embedded Payments Infrastructure Platforms sector
Companies in the Embedded Payments Infrastructure Platforms category enable software businesses to natively accept, route, and settle payments inside their products. They provide modular APIs and components that embed checkout, tokenization, compliance, and payout capabilities without building from scratch. Strategic buyers in this space target platforms seeking to own the user payment experience, monetize transaction volume, and expand into new geographies.
Offerings typically include developer-friendly payment APIs and SDKs that connect to cards, ACH, and wallets; white‑label checkout flows with tokenization and vaulting; payment orchestration to route transactions across multiple gateways; merchant onboarding with KYC and underwriting; payouts and split disbursements for marketplaces; reconciliation and settlement reporting for finance teams; and embedded fraud screening and risk controls aligned with PCI compliance.
These vendors serve vertical SaaS platforms, marketplaces, and digital commerce providers that need payments deeply integrated into workflows. Customers realize faster time‑to‑market versus building payments in‑house, higher checkout conversion through optimized UX, lower processing costs via smart routing, and improved compliance and risk management that supports scale across regions and payment methods.
2. Buyers in the Embedded Payments Infrastructure Platforms sector
2.1 Top strategic acquirers of Embedded Payments Infrastructure Platforms companies
Imprint
HQ: United States
Website
- Description: Provider of an advanced fintech platform that powers transaction processing, ledgering, customizable credit underwriting, instant application decisions, real-time cardholder insights, personalized marketing and hyper-customizable rewards, built on an immutable ledger and microservices architecture to help brands efficiently operate and optimize card programs.
- Key Products:
- Imprint Credit Cards: Co-branded cards reward purchases everywhere, link to existing loyalty programs, and drive customers back to partner brands while integrating with Mastercard
- Visa or Amex networks
- Imprint Deposit Accounts: Co-branded bank accounts with debit cards that reward every swipe and include features needed for customers’ everyday financial lives
- Imprint Installment Plans: Financing option allowing shoppers to pay over time, using expanded credit data sources to approve more customers at checkout
- Imprint Core Platform: Modular, web-centric fintech platform embeddable via SDK/API, offering configurable rewards, seamless loyalty integration and connections to wallets, credit bureaus and payment networks.
- Company type: Private company
- Employees: ●●●●●
- Total funding raised: $●●●m
- Backers: ●●●●●●●●●●
- Acquisitions: ●●
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2.2 - Strategic buyer groups for Embedded Payments Infrastructure Platforms sector
M&A buyer group 1: Embedded Finance
72 companies
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Description: Companies in this category build API-first infrastructure that lets software platforms embed bank accounts, payments, lending, and compliance directly into user experiences. By abstracting complex rails and regulatory workflows, they enable faster onboarding, lower abandonment, and monetizable financial features. FinTech Embedded Finance Platforms serve as the connective tissue between apps and financial institutions, reducing integration time and de-risking scale.
Fiserv
- Type: N/A
- Employees: ●●●●●
- Description: Provider of technology solutions that deliver innovative and transformative financial-services experiences worldwide, with specialties spanning payments, mobile and online banking, core banking, risk and compliance, customer and channel management, business insights and optimization, processing services, and lending solutions for clients in more than 100 countries.
- Key Products:
- Payment & Mobile Banking Systems: Platform enabling real-time electronic payments and mobile banking access, allowing financial institutions to deliver secure transaction processing and account management across devices
- Account Processing & Digital Banking Solutions: Core software that manages the full account lifecycle, supporting deposits, lending, card operations and omnichannel digital self-service for banks and credit unions
- Merchant Acquiring & Processing Platforms: End-to-end services that onboard merchants, handle POS transactions, online loyalty payments and settlement through integrated network services for rapid, secure payment acceptance
- Security & Fraud Protection Products: Suite of tools that monitor transaction data, detect fraudulent activities and enforce security controls to reduce payment risk for card issuers and financial institutions.
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Buyer group 2: ████████ ████████
●● companies
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Key Products: ████████, ████████, ████████, ████████
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Buyer group 3: ████████ ████████
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Key Products: ████████, ████████, ████████, ████████
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3. Investors and private equity firms in Embedded Payments Infrastructure Platforms sector
3.1 - Buyout funds in the Embedded Payments Infrastructure Platforms sector
2.2 - Strategic buyer groups for Embedded Payments Infrastructure Platforms sector
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4 - Top valuation comps for Embedded Payments Infrastructure Platforms companies
4.2 - Public trading comparable groups for Embedded Payments Infrastructure Platforms sector
Valuation benchmark group 1: Payment Processing and Merchant Services Companies
5 companies
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Description: Public companies in this group provide payments infrastructure that enables merchants and platforms to accept, process, and settle digital transactions across in-store and online channels. Their business models center on transaction processing, merchant acquiring, digital wallets, payout services, and value-added risk and compliance tools, monetized via take rates, processing fees, and software subscriptions. They are comparable given similar revenue drivers, scalability, and exposure to TPV, merchant growth, and payments adoption.
One97 Communications
- Enterprise value: $●●●m
- Market Cap: $●●●m
- EV/Revenue: ●.●x
- EV/EBITDA: ●●.●x
- Description: Provider of digital payments and financial services including QR code payments, mobile recharges, bill payments, online shopping, and travel bookings, offering a range of financial solutions like wallets, postpaid services, and wealth management tools for consumers and merchants
- Key Products:
- QR Code Payments: Enables merchants to receive payments digitally using UPI and payment instruments
- Mobile Recharge and Bill Payments: Facilitates instant recharges and utility bill payments
- Online Shopping: Offers a platform for purchasing a wide range of products
- Travel Bookings: Provides booking services for flights, trains, and buses
- Wallet and Postpaid Services: Digital wallet for secure transactions and postpaid services for deferred payments
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Revenue growth
Median
15.7%
2025E
16.0%
2026E
EBITDA margin
Median
28.2%
2025E
28.6%
2026E
Cash EBITDA margin
Median
27.6%
2025E
28.0%
2026E
EV/Revenue
Median
8.4x
2025E
6.8x
2026E
EV/EBITDA
Median
28.9x
2025E
24.4x
2026E
EV/Cash EBITDA
Median
29.0x
2025E
25.5x
2026E
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