What SafeSave Payment Services does

SafeSave Payment Services is a privately-held embedded payments platform headquartered in Horsham, Pennsylvania, that enables Independent Software Vendors (ISVs) to monetize payment processing by sharing 50% of net processing margin with the software platform. The company was founded by the team behind DonorPerfect to address the payment challenges that SaaS founders experience when integrating legacy processors, and it serves ISVs processing at least $2 million in annual volume across verticals including nonprofit, education/childcare, recreation, health/wellness, and youth sports.

The platform is delivered through a unified API that supports all major payment methods — credit and debit cards (Visa, Mastercard, American Express, Discover), ACH bank transfers, and digital wallets (Apple Pay, Google Pay, Samsung Pay) — through a single integration, with white-label checkout, tokenization, 3D Secure, PCI Level 1 compliance, and ML-based fraud detection. SafeSave handles the full merchant lifecycle including onboarding, underwriting, support, and retention, with implementation timelines of 2–4 weeks versus 6–12 weeks for traditional processors and 18–36 months for in-house builds.

Revenue is generated entirely through transaction-based fees and revenue sharing: merchants pay 2.6–2.9% + $0.30 on card transactions and 0.5–1% on ACH, while SafeSave and the ISV each retain roughly half of net processing margin. Distribution combines direct enterprise field sales with an affiliate partner network of ISOs, MSPs, VARs, and ASPs across 12 countries spanning North America, Europe, Oceania, and Africa.

Name

SafeSave Payment Services

Legal name

SafeSave Payments

Website

https://safesave-payments.com

Company type

Private

Operating status

Operating

Short description

SafeSave Payment Services is a Horsham, PA-based embedded payments platform that lets Independent Software Vendors (ISVs) earn 50% of net processing margin via a single API integration, while SafeSave handles merchant onboarding, underwriting, support, and PCI compliance across card, ACH, and digital wallet transactions.

Ownership category

akta.pro rank

Headquarters

HQ city

Fort Washington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Payment Processing Revenue Share: SafeSave generates revenue by sharing 50% of net processing margin with ISV platforms. Net processing margin is calculated after interchange fees and operational costs. For example, on a typical $100 transaction with a 2.9% processing fee, the net margin might be $1.50, with the ISV receiving approximately $0.75 per transaction. For platforms processing $10M annually, this typically results in $200,000-400,000 in additional revenue.
2. Merchant Payment Processing Fees: SafeSave charges merchants competitive processing rates of 2.6-2.9% + $0.30 for card transactions and 0.5-1% for ACH processing. Exact rates depend on transaction volume, business type, and processing history. High-volume merchants receive preferential pricing.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

SafeSave Payment Services is an embedded payment platform that enables Independent Software Vendors (ISVs) to integrate payment processing into their software and earn 50% of net processing margin. The company provides a single API integration supporting all major payment methods (credit/debit cards, ACH, digital wallets) while handling merchant onboarding, underwriting, support, compliance (PCI Level 1, NACHA, GDPR), fraud detection, and risk management on behalf of ISV partners.

Product overview

SafeSave Payment Services is a unified embedded payments platform designed for growth-stage software platforms (ISVs). The core platform provides a single API integration for all payment methods—credit/debit cards (Visa, Mastercard, American Express, Discover), ACH bank transfers, and digital wallets (Apple Pay, Google Pay, Samsung Pay)—enabling ISVs to earn 50% of payment processing margin while SafeSave handles merchant onboarding, underwriting, support, compliance, and fraud management. The platform includes specialized industry solutions for nonprofit fundraising, education and childcare, professional services, and health and wellness, plus advanced features for flexible payment plans and comprehensive reporting. Implementation planning and ongoing optimization services are provided to maximize payment performance.

Differentiator

Problem solved

Functional benefit

Products and services

• SafeSave Payment Services Platform Integrated payment platform that allows software platforms (ISVs) to embed payment processing and earn 50% of net processing margin while SafeSave manages merchant onboarding, support, compliance, and risk.
• Credit & Debit Card Processing Complete card acceptance supporting Visa, Mastercard, American Express, and Discover for both card-present and card-not-present transactions. Includes advanced authorization management, security features, and optimization tools.
• ACH & Bank Transfer Processing Bank-to-bank transfer processing via the ACH network for cost-effective transactions, typically 50-80% lower in fees than card processing. Supports recurring payments, one-time payments, and Next Day ACH.
• Digital Wallet Integration Integration with Apple Pay, Google Pay, and Samsung Pay for mobile-first payment experiences with biometric authentication and tokenized payment data.
• International Payment Processing Payment acceptance in Canada, New Zealand, and Australia with multi-currency processing and settlement, local payment method support, and region-specific compliance.
• Industry-Specific Solutions Specialized payment solutions for nonprofit and fundraising (donation processing, recurring giving), education and childcare (tuition processing, parent portal integration), and professional services (project-based billing, retainers).
• Flexible Payment Plans Installment payment scheduling with automatic payment plan management, early payment discounts and incentives, and deferred payment options for qualified customers.
• Reporting and Analytics Comprehensive transaction reporting by payment method, payment method performance analytics, customer payment behavior insights, revenue optimization recommendations, and chargeback and dispute analysis.
• Implementation Planning Services Strategy development and technical integration support including merchant base analysis, payment method recommendations, integration timeline planning, and go-live testing and certification.
• Ongoing Optimization Services Continuous payment performance improvement through regular reviews of payment method performance, merchant adoption tracking, quarterly strategic consultation, and industry benchmarking.
• Security and Compliance Platform Universal security standards across all payment methods including PCI Level 1 compliance, end-to-end encryption, tokenization, advanced fraud detection, and real-time transaction monitoring. Supports NACHA compliance for ACH and GDPR compliance for international transactions.

Quantifiable outcome

• 50% of net processing margin (vs 0-15% typical of legacy processors)
• +6 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature7 records

Partnerships

One partnership is on record.

• DonorPerfectcoreStrategic or Co-development PartnerSafeSave was founded by the team behind DonorPerfect, a SaaS platform trusted by thousands of organizations. SafeSave was created to solve the payment challenges the founders experienced themselves while building and scaling DonorPerfect. This founding relationship informs SafeSave's SaaS-centric architecture and product roadmap developed from direct ISV experience.

Scale indicators10 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Helcim: Helcim is a payment processor offering interchange-plus pricing and merchant tools targeted at SMBs. Comparable to SafeSave in offering merchant-friendly pricing models, though focused on direct SMB relationships rather than ISV-embedded payments.
• Stax Payments: Stax Payments (formerly Fattmerchant) provides subscription-based payment processing with transparent pricing for software-driven merchants. Comparable to SafeSave in serving SMBs and SaaS-adjacent merchants, though with a different pricing structure (flat subscription vs. revenue share).
• Spreedly: Spreedly is a payment orchestration platform enabling software companies to connect to multiple payment gateways through a single integration. Adjacent to SafeSave in serving software-platform payment needs, with a focus on orchestration rather than embedded merchant processing.

Direct peers

• Stripe Connect: Stripe Connect is the dominant embedded payments platform for ISVs and SaaS platforms, offering revenue share and white-label payment infrastructure. SafeSave explicitly compares itself to Stripe Connect in its marketing materials, positioning the 50% revenue share as superior to Stripe Connect's 0.25-0.75%.
• Finix: Finix is an embedded payments company that enables software platforms to monetize payments through revenue share, similar to SafeSave's model. Both companies target ISVs with white-label payment infrastructure and merchant lifecycle management.

Broad incumbents

• WePay (JPMorgan Chase): WePay, owned by JPMorgan Chase, provides embedded payment processing for software platforms with revenue share economics. It competes directly with SafeSave for ISV partnerships, with the backing of a major U.S. bank.
• Worldpay: Worldpay is a large incumbent merchant acquirer offering payment processing and gateway services to merchants and software platforms. SafeSave directly references Worldpay in its competitive FAQ as a traditional processor comparison point.
• Adyen: Adyen is a global payments platform serving enterprise merchants and platforms with unified online, mobile, and in-person payments. SafeSave references Adyen in its competitive FAQ as a legacy/traditional processor alternative for ISV-style integrations.
• PayPal (Braintree / PayPal Commerce Platform): PayPal and its Braintree unit provide payment gateway and platform services enabling ISVs to accept payments. SafeSave names PayPal among its primary competitive comparisons in FAQ content.

Regional players

• EBizCharge: EBizCharge is a payment gateway serving vertical-specific software integrations with merchant processing. It overlaps with SafeSave's vertical-SaaS focus (e.g., nonprofits, education) but with a different geographic and channel footprint.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SafeSave Payment Services