Payabli
Embedded payments infrastructure for vertical SaaS — Pay In, Pay Out, and Pay Ops in a single unified API platform.
Overview
Payabli is a payments infrastructure and monetization platform purpose-built for vertical software companies. Rather than building or assembling a patchwork of payment vendors, SaaS platforms embed Payabli's full-stack "3P" offering — Pay In (payment acceptance across card, ACH, wallets, invoicing, lockbox, and RDC), Pay Out (managed payables, on-demand disbursements, vendor portals, and spend management with physical/virtual cards), and Pay Ops (merchant onboarding/boarding, risk & underwriting, pricing & billing configuration, and reporting) — through a single unified API and library of embeddable UI components. The platform gives software platforms PayFac-as-a-service capabilities without requiring them to become a registered payment facilitator themselves. Payabli targets vertical SaaS companies serving "need-to-pay" industries such as construction, home services, property management/HOAs, senior living, healthcare, legal, utilities, non-profits, and government. Integration is offered via direct REST APIs, pre-built embeddable UI components (low/no-code), and a hybrid of both, supported by white-glove onboarding from the company's solutions engineering team. The platform supports multiple fee structures (flat rate, tiered, interchange-plus) with configurable pass-through or platform-absorption models, giving software partners transparent controls over payment revenue share and margin. Key differentiators include: a single platform covering the full payments lifecycle (accept + disburse + operate); high-touch human support via email, Slack, and phone; strategic advisory services on interchange optimization, residual reviews, and payment adoption strategy; and a white-label/embeddable component library that minimizes PCI scope for the integrating platform. As of mid-2025 the company had surpassed 50,000 merchants on platform, reported 7x year-over-year revenue growth, and announced a partnership with Huntington National Bank to power embedded payments within its business banking portal.
Key features
- Full Pay In / Pay Out / Pay Ops on one API
- Embeddable no-code UI components (PCI-scoped)
- Merchant boarding, risk & underwriting tools
- Spend management with physical & virtual cards
- Configurable fee structures (flat, tiered, IC+)
- White-glove advisory and solutions engineering
Vertical focus
saas, construction, healthcare, hospitality, b2b, marketplaces
Notable customers
Huntington National Bank, Sunbound, BuildOps, Roofr, PayHOA
At a glance
| Category | payments |
|---|---|
| Model | ["api","sdk","white_label"] |
| Pricing | ["transaction_fee","revenue_share","custom"] |
| Best company size | ["smb","mid_market","growth"] |
| Time to launch | weeks |
| Technical complexity | medium |
| PCI scope | minimal |
| Founded | 2022 |
| Funding stage | series_b |
| Website | https://www.payabli.com/ |
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