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Transforming Software into Financial Infrastructure: How ISVs in Lending, Healthcare, Payroll, and Supply Chain Unlock Revenue with Embedded Finance
In today’s digital economy, software platforms are no longer just operational tools—they are becoming the financial infrastructure that powers modern businesses. Whether you're building software for lenders, healthcare providers, payroll processors, or global supply chain operators, one thing is clear: financial transactions sit at the center of your users’ daily operations.
For Independent Software Vendors (ISVs), this presents both a challenge and an opportunity. As user expectations rise, embedding financial services—particularly payments—within your platform is no longer optional. It's a strategic imperative to enhance your value proposition, drive customer retention, and unlock entirely new revenue streams.
Embedded finance is reshaping how businesses interact with money. According to a report by Accenture, embedded finance will generate $230 billion in revenue by 2025, with the largest gains coming from payments, lending, and financial data services.
For ISVs, this signals a shift: platforms that enable users to manage payments, disbursements, reconciliation, compliance, and reporting natively, without leaving the software, will dominate their categories.
At VoPay, we help software platforms across key verticals embed powerful financial services through a single API. This creates clear monetization pathways, reduces complexity, and enhances the overall user experience. Here's how:
By integrating VoPay’s Payments-as-a-Service solution, platforms can charge transaction fees on every payment processed.
Example: A healthcare billing platform embeds VoPay to handle patient co-pays and insurance reimbursements. Each transaction generates a small processing fee retained by the ISV, converting a cost center into a profit center.
Platforms can embed white-labeled payment features into their core product, enabling tiered pricing models that unlock advanced financial functionality for premium users.
Example: A payroll platform offers same-day direct deposit as a premium feature, charging employers or workers a nominal fee per expedited payment.
With VoPay’s global payment capabilities, platforms can offer international disbursements and currency conversion services—turning global expansion into a revenue-generating opportunity.
Example: A supply chain SaaS provider enables global vendors to receive funds in local currencies, earning revenue on both FX margins and transaction fees.
VoPay supports advanced financial functions such as virtual accounts, automated reconciliation, and treasury tools. These features can be bundled into higher subscription tiers or charged à la carte.
Example: An HR platform like Humi integrates VoPay to offer contractor wallets and tax withholding services, launching a new "Pro" tier with financial management tools.
KYC, KYB, AML monitoring, and fraud detection are often a burden for ISVs to build and maintain. VoPay offers embedded compliance infrastructure that ISVs can resell as part of a subscription or on a per-user basis.
Example: A digital lending platform offers real-time identity verification and anti-fraud monitoring via VoPay, bundled into its premium onboarding service.
For industries like lending, payroll, and healthcare, payment automation is critical. VoPay enables platforms to handle bulk payouts, recurring billing, refunds, and payment tracking from one dashboard or API.
Example: A payroll platform like Sage automates contractor payments across North America and charges a management fee per disbursement batch.
While the mechanics of monetization are consistent, the value of embedded finance is uniquely amplified in specific industries:
Beyond direct monetization, embedding payments delivers strategic benefits that drive long-term success:
The convergence of software and financial services is redefining how businesses operate. ISVs are in a prime position to lead this evolution—not by building a payments infrastructure from scratch, but by partnering with a trusted provider like VoPay.
“Software companies that embed financial services will define the next decade of fintech. It’s no longer about integrations—it’s about owning the financial experience.”
— Angela Strange, General Partner at Andreessen Horowitz
VoPay enables ISVs to transform into full-fledged fintech platforms—without the regulatory burden, compliance overhead, or infrastructure complexity. The result? New revenue streams, faster time to market, and a stronger competitive moat.
Monetize with VoPay - If your software touches money, it’s time to embed the future. Learn more.
