Small Businesses Want Payments Built Into the Tools They Use
Embedded Payments Are Becoming Part of Everyday Software
Embedded payments let people pay directly inside other products, such as booking apps, online stores and business software. Instead of sending customers to a separate checkout, the payment happens where the work is already being done. As this becomes easier to set up, it is showing up in more places. Juniper Research expects the global embedded payments market to grow by 134% between the end of 2024 and 2028.
Why Small Businesses Are Looking for Change
Many merchants still handle payments through disconnected systems. A single sale might involve checking inventory in a spreadsheet, keying the amount into a separate terminal and then updating accounting records by hand. Every extra step adds time and creates room for errors. Embedded payments bring those steps together so one transaction does not require several systems.
Merchants Are Willing to Switch Providers
That frustration is shaping real decisions. About 40% of small and midsize merchants say they plan to move from banks to payment technology providers within the next 12 months, according to Capgemini's World Payments Report. The main reasons are faster onboarding and services that work together more smoothly. Businesses now expect setup to be quick and payments to connect to the rest of their operations.
Software Platforms Are Becoming the Front Door
More software companies see that payments make their products more valuable and keep customers coming back. A growing share of new merchant accounts are now opened through software platforms rather than at a bank branch. Some banks are partnering with software providers that serve specific industries, such as veterinary or dental clinics. Still, only slightly more than half of banks surveyed by KPMG in 2025 named embedded finance as a priority.
Payments Are Only the Starting Point
Small businesses increasingly want one provider to help with much more than taking payments. Scheduling, appointment reminders, inventory and staff planning are being built into the same platforms. Lending and insurance are expected to come next, which means more businesses will access these services through their software instead of a bank. For business owners, that means fewer vendors to manage and a clearer view of the whole operation.
What This Means for Businesses
Payments are becoming part of the tools businesses rely on every day, not a separate system on the side. As more providers compete in this space, businesses will have more choice and more decisions to make. Speed and features matter, but so does knowing who to call when something goes wrong. A payment partner that understands how the whole operation fits together, and takes ownership when issues come up, matters more than ever.
More Than a Transaction
Payments don't stop when a transaction is approved. When issues arise, businesses need real support, fast answers, and teams that take ownership.
Kubera provides payment infrastructure backed by real support and accountability.
- No automated phone tree
- End-to-end issue ownership
- Continuity of support
Contact our team at sales@kuberapayments.com or 604-484-9278
A recommended payments partner of the BC Chamber of Commerce
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