SaaS payments. Payments inside your software, and a margin on each one.
Synapto is the embedded payments partner for UK SaaS and software platforms. Your customers take payments inside your product. Each business is settled in full to its own account, payment fees are billed monthly, and your platform sets its price above our rate and is paid its margin monthly.
Your customers already take payments. The margin goes to someone else.
Bookings, memberships, invoices and orders run through your software, and the payments for them go through whichever provider each customer signed up with years ago. Your platform does the work around the money and earns nothing on it.
How the money moves
Each business on your platform is its own merchant. Its payments settle in full to its own balance and are paid out to its bank account. Payment fees are billed to the business monthly on one statement. Your platform sets its price above our rate, and its margin is paid to it monthly.
Your platform is never in the flow of funds, so there is nothing to reconcile on your side and nobody's money sits with you.
- Each business settled in full
- Fees billed monthly, on one statement
- Your margin paid to you monthly
- Funds held by our regulated acquiring partner
One £100 payment, worked through
What finance usually asks first: where the money goes, and what your platform earns from it. Each business is settled in full, billed monthly, and your margin is paid to you monthly.
1At the payment
- The customer pays
- £100.00
- Settled to the business, in full
- £100.00
Nothing is deducted. The full amount reaches its own bank account.
2At month end
- Payment fees billed to the business
- £1.20
One statement. The price is the one your platform sets, 1.2% in this example.
3Where the fees go
- Interchange, scheme fees and our rate
- £0.80
- Your platform's margin
- £0.40
Your margin is paid to you monthly. Your platform never holds the money.
At the same figures, £1,000,000 of payments a month earns your platform £4,000 a month.
Example figures, not a quote. Your price and our rate are agreed in writing before you build anything.
What we build and run with you
Onboarding in your product
Businesses sign up for payments without leaving your software.
Onboarding and verification →Every way to pay
Cards, wallets, Direct Debit, payment links and card machines on one account, with pay by bank coming soon.
Payment methods →Questions from SaaS platforms
No. Our regulated acquiring partner holds the licences and the funds. Your platform sets its price and is paid its margin.
No. On a software platform nothing is split: each business is settled in full and billed monthly. Splitting a payment is for marketplaces, where the buyer pays several sellers at once.
Your developer, against our SDK and documentation, with a payments engineer answering questions while they build. It runs on your developer's schedule, so we never put a date on it.
Put your own numbers into the pricing calculator for a range.
Start with a payments review.
Thirty minutes on your platform, your customers and how they pay today.