MarketplaceMedium Effortglobal

CheckLift — Offline-to-Embedded Payments Conversion OS for Vertical Software Platforms

Embedded payments platforms often assume the hard part is processing cards once a customer reaches checkout.

Score77/100
Apr 13, 2026
TAM
€900M — ~45K global vertical software platforms with embedded-payments ambitions × ~€1.7K/month equivalent spend on conversion and receivables workflow software.
SAM
€180M — ~9K platforms in service-heavy sectors where checks, cash, and manual invoicing remain common.
SOM
€1.2M — 25 platform customers at ~€4K/month blended subscription + performance revenue in years 1-2.
StripeSaaSB2BMarketplaceAPIFinTech

The Problem

Embedded payments platforms often assume the hard part is processing cards once a customer reaches checkout.

In many verticals, that is not the real problem.

The real problem is upstream:

  • the merchant still invoices offline,
  • the customer still pays by check,
  • staff still chase payment in email or text,
  • accounting still reconciles deposits manually,
  • and the software platform captures only part of the payment relationship.

That means platforms leave volume, data, and product leverage on the table.

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