How Quadient® integrated embedded payments into its AR and AP software platform with Fiserv

For independent software vendors (ISVs), payments can no longer be a separate system bolted onto the side of a product. They have to be part of the platform experience itself.

That’s the reality Quadient was facing. A global technology company serving more than 350,000 customers worldwide, Quadient provides a variety of products that simplify business processes – including accounts receivable and accounts payable software that helps businesses manage invoice presentment, reconciliation and vendor payments. The platform supports back-office teams that value accuracy, visibility and efficiency. But a key piece was missing.

“We didn’t have payments embedded into our product,” said Ashley McCauley, who leads strategy, presales and operations at Quadient. “And our customers were feeling that gap.”

To close the gap, Quadient needed more than a processor. It needed integrated payments capability that could be embedded directly into its own software platform.

Here’s how Quadient partnered with Fiserv to make payments part of the workflow, and what other ISVs can learn from the journey.

 

 

Choosing a partner

Quadient selected Fiserv because the company could support integrated payments at the platform level, while enabling embedded payment experiences for customers.

With Fiserv’s solution, Quadient was able to embed:

• Credit card payments
• ACH payments
• Recurring and automated payments
• Tokenization for secure storage
• Self-service onboarding and merchant enablement

“Fiserv allowed us to build a full payments capability inside our AR and AP application,” McCauley said. “Not just processing, but the integrations and support needed to scale.”

Quadient discovered that, for an ISV software platform, payments are not just a feature, but infrastructure.
 

Easier payments – on both sides of the transaction

After the integration, the biggest change Quadient saw was an increase in simplicity and efficiency. The Fiserv solution supported:

• Self-service onboarding for merchants
• Streamlined integrations
• Education and documentation for client teams
• Tools that helped troubleshoot issues as they arose

For B2B platforms like Quadient’s, that kind of ease can translate directly to higher payment adoption. When payments are embedded into AR and AP workflows, reconciliation improves and manual steps are reduced.
 

Results that matter

Since integrating and embedding payments with Fiserv, Quadient has seen measurable impact across the platform.

The company points to these key benchmarks from the past three years:

• Payment adoption increased across the customer base
• Payment volumes grew across ACH and credit cards
• Payment revenue more than tripled
• Customer behavior shifted toward greater card usage

“We’ve seen double-digit growth in both adoption and volume,” McCauley said.

These results are good news for ISVs evaluating their options for monetization. Quadient is proving that integrated payments can create a recurring, scalable revenue stream that grows as customers transact more within the platform.

Embedded payments have also become a competitive advantage for Quadient. With capabilities such as tokenization, recurring payments and an account updater, the company can offer a platform where payments happen naturally as part of the process.

“Our customers can schedule payments, automate recurring transactions and stay within the software,” McCauley explained. “That creates stickiness that makes a real difference.”

For ISVs, embedded payments require fewer external tools and can drive higher retention and stronger platform loyalty.