The Payments You Don’t See: How Invisible Fintech Is Powering Your Favorite Apps

Not long ago, going cashless felt novel. Today, tapping a card—or clicking “Pay now”—barely registers. Expectations have shifted quickly, and by 2025, consumers largely assume payments will run themselves. The commercial pressure is real: merchants lose an estimated $18 billion per year to abandoned carts, and every failed transaction costs roughly $12 in direct and indirect losses. Any extra step introduces friction, and any decline erodes revenue and trust.

Embedded payments are designed to address both problems.