Embedded Payment
Platform for SaaS

Zift helps SaaS platforms embed payments into their core offerings, creating a seamless user experience. With our solutions, SaaS companies can function like a payments company without the complexities, generating additional revenue from transaction flows on their platforms.

15 years on the market
20K+ merchants
100+ integrations with banks
POS Systems
Leading Embedded Payment Solutions for SaaS

Zift delivers top-tier embedded payment solutions tailored for SaaS platforms. Our robust features ensure seamless integration, advanced security, and a smooth user experience, allowing your software to handle payments effortlessly.

Comprehensive Payment Processing in North America

Zift's embedded payment platform integrates with major processors to offer seamless transaction processing and extensive omnichannel capabilities. Our solutions include native terminal integration, SoftPOS, and customized payment pages, designed specifically for the North American market.

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Zift Modules

UniPay offers functionality for every process in the payment management lifecycle needed by payment facilitators and aggregators.

Cart Present,
Cart Not-Present

Merchants, Owners, Terminals

Merchant Funding, Residual Commissions

Subscription Management, Collections

Terminal Ordering, Injection, Initialization

Transaction Report Generation

Here's why we are the preferred payment technology

Payment Switch Functions

Processor Agnostic Architecture

Ability to integrate and operate in parallel numerous processor and bank integrations, including direct network integrations (AmEx Direct, Visa Connect).

Smart Routing

Routing of transactions to different processing endpoints based on card BIN (AmEx, MADA), card type (debit vs ecommerce), transaction outcome (decline recovery).

Automated Settlement & Reconciliation

Support for both terminal and host capture, multiple settlement options available. Ability to automatically reconcile processed transactions and import cost.

Payment Gateway Functions

Terminal, eCommerce (3D Secure) Payments, Tokenization

Comprehensive payment processing functionality for payment cards and bank accounts (5 banking systems), full tokenization capabilities.

HPP, Pay by Link, Proxynization, Recurring Subscriptions

Ability to collect payments through Payment Pages, Payment Links, App Native Payment Forms; support for advanced subscription and recurring billing scenarios.

Multi-Industry APIs

Extensive APIs capable to accommodate retail (EMV), ecommerce (3DS), over-the-phone, restaurant (tips), lodging, car-rental, level II/III payment industries.

Payments Orchestration Functions

Merchant & Affiliate Funding

Funding of merchants and withholding of appropriate processing fees. Split payments funding for affiliate marketing (MLM) and marketplaces.

Reseller Residuals & Commissions

Calculation and funding of reseller residuals (fees rev share). Advanced commissions scenarios (e.g. loan repayments).

Convenience Fees & Platform Fees

Calculation and disbursement of convenience fees. Withholding of Platform fees from merchant remittances.

Payments as a Service

Achieve complete control and flexibility with Zift’s Payments as a Service, tailored to meet your unique payment processing needs.

All merchant-facing resources, including payment pages and merchant statements, will have your logo

Payment solution design, integration support, and monetization strategy development

Fully PCI compliant environment and assistance with your compliance needs

Competitive transaction fees and payment monetization options

Basic customizations can be included as part of standard releases

There’s an API for that!

A robust, yet flexible API that powers a seamless integration of payments for your platform.

Streamline merchant setup. Eliminate third parties, gateways, and long underwriting. Start processing transactions faster.

Access daily statements with transaction and deposit details. Match transactions to deposits using reconciliation data.

Process card and ACH transactions. Authorization, capture, refund, account verification, Payment Pages, and more.

Connect Android based EMV terminals to your POS system through our cloud solution without low-level terminal coding.

Reduce PCI scope using HPPs and Tokenization. Tokenize cards and bank accounts for card on file or recurring billing.

Use our billing logic for memberships or subscriptions. Or simplify your billing system by storing card data with us.

Technology Stack Overview