Your platform isn’t just where customers track orders or book jobs anymore. It’s where they pay suppliers, issue expense cards to field teams, track expenses in real time — and yes, actually keep their business moving.
Picture Leo.
He runs a medium-sized plumbing company — 50 trucks, a handful of techs, a growing client list. This week alone, he’s ordered supplies from 12 different vendors, advanced pay to a subcontractor, and covered unexpected overtime.
But his cash flow? It’s a guessing game. He flips between his job scheduling app, a clunky old bank portal, and spreadsheets just to see if there’s enough to keep the wheels turning. Paying suppliers gets delayed. His team calls twice a week asking when reimbursements will clear. Stress builds.
Now imagine if he didn’t have to.
Imagine your platform is where Leo books jobs, pays suppliers, issues virtual cards to techs for emergency parts, and tracks every expense — all in real time.
No more frantic phone calls. No more juggling logins. Just one place to run his business and keep cash flowing.
That’s what embedded financial tools make possible. And for platforms that do it well? It’s how they become truly indispensable.
Why it matters right now
Small and midsize businesses are tough. They’re scrappy. They’ll do what it takes to survive.
But the hard truth is they often run on razor-thin margins. 82% of them fail because of cash flow problems. That means even small hiccups (a late invoice, a slow-paying client) can be catastrophic.
And it’s not like they have sophisticated tools tying it all together. In fact, it’s the opposite: today’s B2B buyers already juggle
an average of ten channels
just to make a single purchase. They crave simplicity — seamless flows that don’t add to the chaos. When your platform offers that, you’re not just another stop in their process. You become the place where it all comes together.
an average of ten channels
just to make a single purchase. They crave simplicity — seamless flows that don’t add to the chaos. When your platform offers that, you’re not just another stop in their process. You become the place where it all comes together.
Banking in one place. Vendor payments in another. Expense receipts emailed in by employees (maybe). It’s messy, error-prone, and stressful.
They want simpler. Faster. More transparent.
So much so that 67% of B2B buyers say they’d switch to a platform that offered payments as smooth as their favorite consumer checkout.
Your platform can be the solution
When you embed financial solutions, such as supplier payables, commercial cards, or expense management – right into your platform, something big happens.
You stop being a utility. You become your customers’ operating system.
Think about it: Instead of clicking away from your platform to pay invoices or download statements, your customer handles everything without leaving your ecosystem. They can approve a supplier payment, instantly issue a virtual card to pay a crew picking up supplies, and see it reconcile automatically — all in one place.
That’s more than convenience. That’s trust. That’s dependency. That’s your customer making your platform the heartbeat of their business.
And it pays off — for you, too
Every transaction flowing through your platform is potential revenue.
With embedded payments, your platform can capture interchange revenue on spend that you’d otherwise never see. You can open doors to new offerings, from treasury tools to working capital, that can deepen loyalty and multiply lifetime value.
Picture a SaaS platform built for landscaping companies. They set up instant virtual cards for their crews to buy fuel and supplies. That spend, once handled on a personal card or petty cash, now runs through your platform. You get interchange revenue, your customer gets granular spend controls, everyone wins.
Why Marqeta?
Because you can’t just bolt payments on and hope it sticks.
Marqeta’s commercial solutions give you a flexible, API-driven foundation to weave payments into your user experience naturally, without disrupting what you already built.
With Marqeta, your platform can help customers:
- Pay suppliers with ease. Automate payables, speed up approvals, and give them clearer cash flow visibility.
- Embed smart financial tools. Real-time transaction data and actionable insights, all delivered through Marqeta’s platform and our partner banks.
- Reimagine expense management. Dynamic spend controls, instant virtual cards, auto-reconciled so they’re not chasing receipts.
All of it delivered through a single, global, cloud-based infrastructure that’s built to scale.
Real stories, real results
This isn’t just theory.
Found, a platform purpose-built for small business owners, teamed up with Marqeta to integrate virtual and physical cards with dynamic spend controls. Their customers can instantly flag or stop suspicious transactions, keep personal and business purchases cleanly separated, and protect hard-earned cash flow — without switching platforms.
Or look at how McKinsey found
that B2B buyers today expect an omnichannel experience by default, and will actively switch if the digital journey is clunky or fragmented.
that B2B buyers today expect an omnichannel experience by default, and will actively switch if the digital journey is clunky or fragmented.
Embedded payments are no longer a nice add-on. They’re table stakes.
The risk of waiting
Meanwhile, your competitors are already moving.
More platforms are embedding financial tools every day. 70% of small businesses report struggling to access capital — so if your platform can help them pay smarter, borrow more easily, or keep expenses under control, they’ll stay. If not, someone else will be their lifeline and fill the gaps your platform is leaving behind.
This is a moment where platforms that act decisively carve out entire markets.
Those who hesitate? They are the ones that play catch-up, trying to win back trust that’s already shifted.
Build them more than a product. Build them an edge.
Your customers aren’t looking for another dashboard or disconnected tool. They want one place to run their business, end to end.
When you give them embedded financial tools, you’re doing more than adding features. You’re giving them breathing room, reducing their daily stress, and freeing up mental energy to focus on growth.
- That’s what makes them stay.
- That’s what makes them champion your platform to peers.
- And that’s how you turn daily transactions into a long-term, high-margin growth engine.
Ready to see what embedded payments could do for your platform?
Let’s help your customers run not just their business but run it better. With less friction, more confidence, and financial tools that actually work for them.
Power smarter payments. Power a smarter platform.
Let’s talk.
