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Event File FINTECH Digital Payments Embedded Finance

54% of B2B Platforms Report Revenue Gains From Embedded Finance

2 reports · First detected 2026-03-12 · Last active 2026-04-13

Embedded finance integrates payments, disbursements, credit and wallets directly into ERP, procurement or industry software, allowing businesses to complete transactions without switching to a bank’s system. A 2025 study by PYMNTS Intelligence and Marqeta found that the model is evolving from an add-on into core infrastructure for B2B platforms, opening new revenue streams from fees and financial services.

On March 12, 2026, PYMNTS published a survey of 30 payments executives at U.S. B2B platforms with annual revenue of at least $500 million. Of those surveyed, 54% reported a direct increase in revenue, rising to 67% among platforms with more than $1 billion in annual revenue. Some 83% had embedded payments, 70% offered disbursements and 57% provided digital wallets. A separate report on April 13 said 58% of small businesses viewed inflation as their main financial challenge in 2025, while the market was projected to grow from $4.1 trillion to $15.6 trillion by 2030.

All Coverage

2 original reports
PYMNTS.COM 2026-04-13
Inflation Hits 58% of Small Businesses and Pushes Embedded B2B Finance Forward
PYMNTS.COM 2026-03-12
54% of B2B Platforms Report Revenue Gains From Embedded Finance

The Backstory

The history behind this event
FinTechs Strengthen Compliance as Embedded Finance Expands2026-03-11 · 2 reports · similarity 0.81

Embedded finance integrates payments, lending, wallets and other services directly into nonfinancial platforms, evolving from a value-added feature into core FinTech infrastructure. A survey by PYMNTS Intelligence and Marqeta found that every respondent offered at least one such service. Nearly 90% used embedded finance to improve customer experience, while 60% said it helped build trust, making compliance, fraud prevention and data governance critical to further expansion.

PYMNTS reported on March 3, 2026, that 80% of surveyed FinTechs viewed robust compliance as essential to effective innovation. More than half of those offering at least four functions faced difficulties coordinating across departments, while 46% said ongoing operations consumed too many internal resources. On March 11, PYMNTS Intelligence and Green Dot also said CFOs were scrutinizing return on investment, total cost of ownership and long-term obligations. Neither report disclosed specific investment amounts.

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