Published insights

Navigating the Wave of Change: Surfboard Payments' Role in the API-First Embedded Payments Ecosystem

The financial services landscape is witnessing a transformative shift, particularly in the realm of transaction processing. Embedded payments, where payment functionalities are seamlessly integrated into a range of products and services, are redefining consumer interactions with financial services. As insights from Ernst & Young and The Strawhecker Group (TSG) suggest, this shift is not just a fleeting trend but a fundamental change in the financial ecosystem.

The Essence of Embedded Payments

Embedded payments represent a significant leap towards creating a more intuitive and integrated financial experience. They streamline the transaction process, reducing friction and enhancing the overall customer journey. Ernst & Young's research underscores the growing interest of banks in the embedded finance ecosystem, recognizing its potential to meet evolving consumer demands for seamless, real-time financial interactions.

The Strawhecker Group highlights the business advantages of embedded payments, emphasizing their ability to simplify transactions and unlock new revenue channels. This integration offers a dual benefit: enhancing user experience while simultaneously providing a new source of income for businesses.

Surfboard Payments: Refreshing the Payment Landscape

In the midst of this evolving landscape, Surfboard Payments emerges as a fresh and vibrant player. Our approach is rooted in an API-first philosophy, catering to the dynamic needs of today's digital marketplace. While we acknowledge the pioneering work of giants like Stripe and Adyen, Surfboard Payments brings its unique flavor to the table.

Our platform is crafted with the future in mind, designed to be not just robust and secure but also incredibly user-friendly. It's an embodiment of the innovative spirit that drives the fintech industry in Stockholm, known for its cutting-edge technological advancements and user-centric designs.

Data-Driven Decision Making

Backing our approach with data, Ernst & Young's insights reveal the critical role of embedded finance in the banking sector's strategy to stay relevant and competitive. Meanwhile, The Strawhecker Group’s analysis sheds light on the rising demand for integrated payment solutions, indicating a clear market trend towards more interconnected financial services.

The Future is Integrated

The future of financial transactions is unmistakably leaning towards integration and convenience. Embedded payments represent a significant shift in how financial services are delivered and experienced. It's not just about facilitating a transaction; it's about creating a seamless journey for the consumer, from browsing to buying.

In conclusion, as we embrace this new era of financial transactions, Surfboard Payments remains committed to leading the charge, offering innovative solutions that redefine the payment experience. Our platform is more than a payment processor; it's a gateway to the future of financial interactions.

We are ready to talk to you about any embedded payment needs that you might have. We've also written a compelling guide about how we can empower ISVs with end-to-end payment solutions. Check it out and let us know what you think.

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Checkout our products

Take a look at our products which includes both hardware-, and software-based payment solutions


Hardware terminal

Our all-in-one handheld smart terminal device with scanner. Possible to mount in the countertop with a charger stand


Hardware terminal

Our all-in-one handheld smart terminal device with scanner and printer. Good fit for restaurants, cafés, and bars


Hardware terminal

With a physical keypad. Perfect as a card terminal replacement, or paired with a customer-facing tablet screen


Hardware terminal

Our unattended payment terminal is designed to seamlessly integrate EV chargers, vending machines, public transport, and beyond.


Payment application

Our SoftPOS solution is for any Android smartphone, with no extra hardware needed. Can also be used as backup


Payment application

The customer-facing screen for multiple payment methods, loyalty, and campaigns. To be accompanied by the SurfPad


Online Payments

Pre-built checkout page through link or SDK for your webshop or app