Flex Framework
For Embedded Payments
Turn in-app payments into a meaningful revenue stream.
The Xplor Pay Flex Framework helps SaaS platforms start quickly, increase payments adoption, and scale revenue over time without getting stuck in a model that no longer fits.
Many SaaS platforms start with simple payment infrastructure focused on speed to launch. But as the business grows, improving payments monetization, adoption, and long-term economics becomes increasingly important. The Flex Framework is designed to help platforms evolve their strategy over time without getting locked into a model that limits growth.
Partners
Your payments strategy should evolve as your platform grows
- Purpose-built for the realities of scaling vertical SaaS platforms
- Start with the right operational model and evolve as you grow
- Flexibility to balance speed, control, economics, and ownership over time
- Drive stronger adoption and maximize the value of embedded payments
- Transform payments from a feature into a strategic growth lever
The Flex Framework
Embedded payments shouldn’t lock software providers into a single path.
The Flex Framework is Xplor Pay’s approach to helping SaaS providers align payments strategy with growth so they can launch quickly, scale revenue, and evolve over time without getting stuck in a model that no longer fits.
It’s about giving you room to adjust how payments work as your product, customers, and revenue needs change.
One approach. Built to adapt as you scale.
Stage-Based Approach to Growth
The Flex Framework is built around four clear stages, each designed to support your platform as it evolves.
Ignite
Launch Fast
Start generating payments revenue quickly with minimal operational lift.
- Rapid integration
- Fast time-to-market
- Immediate monetization
Grow
Drive Adoption
Turn early traction into consistent, scalable revenue.
- Improve onboarding
- Increase attach rates
- Optimize activation and usage
Command
Maximize Economics
Take a more active role in how payments support your business.
- Influence pricing strategy
- Improve unit economics
- Deeper product integration
Own
Maximize Economics
Fully optimize payments as part of your core business model.
- Maximum revenue share
- Full payments control
- Payments part of core revenue
How Responsibilities Evolve Over Time
Scaling payments successfully requires clarity around ownership.
The Flex Framework outlines how responsibilities shift between your team and Xplor Pay as your program matures so you can move forward with confidence, without taking on unnecessary complexity too early.
| Capability | Ignite Launch Fast Rev Share: 50-64% | Grow Drive Adoption Rev Share: 65-79% | Command Increase Control Rev Share: 80-89% | Own Maximize Economics Rev Share: 90-98% |
|---|---|---|---|---|
| Application Boarding | Xplor Pay | Xplor Pay | Shared Option | Partner |
| Underwriting / KYC Approval | Xplor Pay | Xplor Pay | Xplor Pay | Xplor Pay |
| Managing Any Pends | Xplor Pay | Xplor Pay | Shared Option | Partner |
| Funding & Settlement | Xplor Pay | Xplor Pay | Xplor Pay | Xplor Pay |
| Chargebacks & Dispute Support | Xplor Pay | Xplor Pay | Shared Option | Partner |
| API + Gateway | Xplor Pay | Xplor Pay | Xplor Pay | Xplor Pay |
| Token Support (Vault) | Xplor Pay | Xplor Pay | Xplor Pay | Shared Option |
| Merchant Support (Front Line) | Xplor Pay | Xplor Pay | Shared Option | Partner |
| Merchant Support (Tier 2) | Xplor Pay | Xplor Pay | Xplor Pay | Shared |
| Migrating Existing Accounts | Xplor Pay | Xplor Pay | Shared Option | Shared Option |
| Hardware Program | Xplor Pay | Xplor Pay | Shared | Partner |
What This Looks Like in Practice
SaaS Platforms using the Flex Framework strengthen payments monetization through:
- 2–5X growth in payments revenue
- 50–90%+ merchant attach rates
- Higher revenue per customer without increasing SaaS pricing
- Stronger retention through embedded financial workflows
- More predictable, recurring revenue streams
See how we’re making an impact.
Read our case studies to hear how through real collaboration and support, we drive ROI for our customers by increasing product usage and adoption.
A True Partnership Model
We don’t just help you integrate payments. We help you scale them.
Xplor Pay acts as an extension of your team, providing:
- Go-to-market and sales enablement
- Merchant activation support
- Pricing strategy guidance
- Integration and rollout expertise
- Ongoing optimization support
You’ve got revenue goals.
We help you achieve them.
Our mission is to make it easy for software vendors to integrate payment processing technologies into your software or POS so you can create an effective revenue stream and provide your customers with a seamless payment experience.