Embedded Payments Intelligence

Your software platform is sitting on a payments revenue line you haven't tapped yet — or haven't tapped fully.

Whether you're evaluating embedded payments for the first time or optimizing a program that's underperforming, the Margin Multiplier shows you exactly what the opportunity is worth — and what it takes to capture it.

Run the Margin Multiplier → How It Works ↓
We don't have embedded payments yet → We have payments but they're underperforming → We're not sure what we're paying to process →
The Margin Multiplier™
Four models. One right answer for your stage.

Most SaaS platforms sit on one of four embedded payments models — and most are on the wrong one. The Margin Multiplier maps your volume and vertical against all four and shows you the revenue delta between where you are and where you could be.

Model 01
ISV Referral
Lowest effort, lowest take rate. Refer merchants to a processor, earn a residual split. Good starting point.
~15–25 bps
Model 02
Enhanced Residuals
Negotiate deeper economics with your ISO or processor. Same infrastructure, meaningfully better split.
~30–50 bps
Model 03
PayFac-as-a-Service
Own the merchant experience without full PayFac liability. Best economics for $5M–$50M ARR platforms.
~60–100 bps
Model 04
Full PayFac
Maximum control and margin. Significant compliance overhead. Right for $50M+ ARR platforms.
~100–150 bps
Free Margin Model
Enter your monthly payment volume and current model — get your Margin Multiplier output.
Free. No sales call. Delivered to your inbox in under 2 minutes.
Check your inbox — your Margin Multiplier output is on its way.
What We Do
Four ways Margin Labs moves the number.
01
Model Your Margin Opportunity
Quantify what embedded payments is worth at your volume and vertical. Understand all four monetization paths before committing to one. Starts at zero — no existing payments program required.
02
Optimize Your Payments Economics
Most platforms have 40–60 bps of recoverable margin in their existing setup. We audit take rate, processor economics, and contract terms — and tell you exactly what's recoverable.
03
Activate Revenue at Scale
Getting 60–80% of merchants to actually use payments is where the revenue lives. We build the onboarding, pricing, and adoption playbook that closes the gap between launch and revenue line.
04
Payment Processing Review
Flat-fee diagnostic of current rates, processor fit, and whether the switch math works. No obligation to change. Honest answer either way.
Why Margin Labs

Independent advice.
No stack to sell.

Most payments consultants are vendors in disguise — optimizing for their own processing revenue, not your business outcomes. Margin Labs earns from advisory engagements and digital products. When we refer a processor, we disclose it. When we don't recommend switching, we say so — even when there's referral income on the table.

4
Monetization models evaluated before any recommendation
$B+
Payment volume experience across verticals and stages
10+
Years at the intersection of payments, fintech, and SaaS
0
Preferred vendors. No conflicted recommendations.
The Playbook
Independent tools for operators who want the answer, not a sales call.
Tier 1 — Available Now
The Embedded Payments Primer
$79
30-page independent guide to all four embedded payments models. Decision framework, vertical benchmarks, glossary, and 90-day quick-start checklist. No vendor affiliation. Automated delivery.
Get the Primer →
Coming Soon
Tier 2 — Join Waitlist
The Embedded Payments Playbook
$249
100-page playbook + ROI Calculator + Vendor Scorecard + Board Deck template + 7 execution tools. Everything a $2M–$20M ARR operator needs to go from decision to revenue.
Join the Waitlist →
Work With Margin Labs

Engagements are selective.
Start here.

If you're a SaaS operator evaluating embedded payments and want an independent perspective, start here. Engagements range from a single diagnostic call to a multi-month strategy retainer.

Engagements are limited. We respond to every submission within 48 hours.
Thank you — we'll be in touch within 48 hours.