Turn payments into a revenue engine.
For SaaS platforms, marketplaces, and AI-native software companies that want to monetise and scale payments, billing, and financial services.
Platforms have owned the workflow. Now they can own the money movement.
Software platforms have helped customers manage their work, while payments and financial services happened outside the product.
That creates friction: more tools, more reconciliation, more operational gaps, and a weaker customer experience.
The opportunity now is to bring money movement into the platform itself. Platforms can help businesses accept payments, manage funds, receive payouts, access faster settlement, use cards, and unlock capital inside the same workflow they already use every day.
For businesses, this means fewer tools, improved cashflow and a faster access to financial services.
For platforms, it creates a new revenue stream, diversifies monetisation, and deepens the relationship with the businesses they serve.
“The platforms that understand money movement will own more of the value chain.”
Revenue
Payments processing and faster payouts become active revenue lines rather than cost centres.
Retention
Embedded financial products deepen the relationship between platform and user, increasing switching cost.
Growth
Capital, instant payouts, and stored balances create new reasons for users to stay and grow within your platform.
One platform. Many flows. Multiple revenue layers.
Platforms sit at the centre of value exchange.
Customers pay businesses through the platform. The platform orchestrates funds flow, takes a commission, and pays out the funds to a bank accounts, issued cards, or on a stored balance on the platform.
Beyond the transaction, the platform can build new revenue layers through issuing, lending, stored balances and faster payouts.
Embedded finance
Payments create the entry point.
Faster payouts reduce cashflow pressure.
Financial products create additional revenue.
The opportunity is the full stack, not just the transaction.
Software is becoming financial infrastructure.
Software only
Subscription revenue.
A clear model, but limited upside. Revenue tied only to seats or features.
Software + payments
Transaction revenue and payment margin.
Payments acceptance opens a take rate. Each transaction becomes a commercial event.
Software + payments + financial services
Issuing, faster payouts, lending, balances, and deeper wallet share.
Adjacent products create new revenue lines and deepen the platform relationship.
Software + payments + financial services + AI usage
AI changes the pricing equation.
Platforms need new usage-based pricing, credits, token-based billing, or success-based monetisation that better align cost, value, and customer outcomes.
“Every layer adds revenue. Every layer deepens the relationship.”
Most platforms still let money move somewhere else.
Many platforms own the customer workflow, but still lose the payment moment. Customers manage bookings, orders, invoices, or services inside the product, then leave to collect payments, schedule transfers, reconcile funds, or manage payouts.
Adoption levers drive scale
Customer workflow + money movement
Adoption levers
Integrated workflows
Payment methods
Payment scheduling
Automated collections
Reconciliation
Payout options
Faster payouts
Issuing
Capital
Outcome progression
Higher payment adoption
More customers pay inside the platform.
More payment volume captured
Capture a greater share of the addressable opportunity.
More revenue
Through payment volume and adjacent monetisation.
Platforms increase adoption by improving the in-product payment experience, driving more customers to pay inside the platform and capturing more volume.
Focused advisory for platform monetisation decisions.
I help teams make clearer decisions across payments, embedded finance, billing strategy, and operating model design.
Payments Monetisation Audit
Start hereA focused review of payment flows, commercial model, pricing structure, margin opportunity, and customer experience.
Embedded Finance Strategy
A roadmap for deciding which adjacent financial products could create value for your users, including issuing, lending, stored balances, and faster payouts.
AI Monetisation & Pricing Strategy
AI features introduce variable costs that can scale faster than revenue. I help SaaS and AI-native companies design pricing models that balance simplicity, customer value, usage, and margin, including credits, metering, consumption-based pricing, and success-based monetisation.
Platform Payments Operating Model
Advice on team structure, risk model, partner setup, reporting, margin review, and delivery model needed to scale.
Start with a conversation.
Every platform is at a different stage. Some are trying to increase payment adoption. Others are exploring embedded finance, rethinking payouts, reviewing pricing, or working out how to monetise AI usage.
The first step is a simple conversation to understand where you are today, what you are trying to solve, and whether there is a useful way to work together.
What we can discuss
- Where payments sit in your customer workflow today
- Whether customers are taking payments inside or outside your platform
- How payment adoption could increase
- Which adjacent financial products may be relevant
- Whether AI usage is changing your pricing model
- What kind of advisory support would be useful
A 30-minute introductory call to explore whether there is a useful way to work together.
Built from ten years inside payments technology.
I'm JJ Lecocq. I've spent ten years in payments technology across Adyen and Stripe. For the last five years, I focused on helping software platforms monetise payments and build embedded financial services.
Today, I help SaaS platforms, marketplaces, and AI-native software companies make practical decisions about payments, pricing, payouts, and financial products.
- Platform payments strategy
- Embedded finance and monetisation
- Billing and commercial design
- Product, partnerships, and operating model experience
Independent advisory practice. I do not represent Stripe, Vercel, or any current or former employer. I do not share confidential or proprietary information.
JJ Lecocq
Founder, Payments Monetisation
Let's make payments a growth lever.
Book a conversation to explore where payments, payouts, billing, or adjacent financial products could create more value for your platform.
Or email: hello@paymentsmonetisation.com