Payments infrastructure
for software platforms

New Transactions API and CSV export

A new enriched transactions report is now available via both the API and as a downloadable CSV file from the dashboard. Configure the report by filtering on all possible fields in the Payments view and then download the report by choosing Standard Report.

You can read more in our transactions CSV export guide and the API reference.

New

• Balance accounts can now be created and managed from the dashboard.
• You can add and configure bank accounts from the dashboard as funding instruments for top-ups and payout destinations.

Improvements

• We have improved the multi-select account filtering component in the dashboard.
• Notification delivery now shows Pending/Delivered statuses.

Bug Fixes

• We have fixed an issue for some flows involving incremental pre-authorizations where a subsequent cancel authorization was processing successfully but the funds were not released to the cardholder immediately.

New Transactions API and CSV export

Build your checkout with Payment Components

You can now choose between our Standard, Headless, and Express payment components. Embed's checkout components are designed to match your or your Merchant's brand and customisable to the payment methods you or your Merchant accept from shoppers.

Learn more about the Payment Components in our docs.

A better way to manage notifications

In the notifications page in the dashboard you can now see the status of notifications and replay specific ones or all of them. You can also filter on notification type and status. Check out in our docs what notifications are available and how you can use them in your platform.

New

• You can now review the notifications timeline and the notification payload for any given transaction directly in the transaction details page.

Improvements

• Exchange rates now display as fixed-precision strings with increased accuracy (up to 15 decimal places).
• Exchange rate formatting is consistently applied across all payout, fee, and net fields in payout reports.

Bug Fixes

• We've fixed an issue to ensure that checkout creation now blocks when account is inactive.

Introducing Embed Balance Accounts

We've just released Balance Accounts, a new product at Embed that gives your platform full control over how money moves between parties. This means that instead of stitching together multiple third-party tools, you can manage everything from payment acceptance to payouts within one consistent infrastructure.

You create a balance account to represent funds held for every party involved in the money flows on your platform, then, orchestrate how money moves between them using pay-ins, transfers, and payouts. Every movement is tracked in real time with detailed ledgers and reporting for each balance and every fee.

See this simplified example of what your setup could look like:

Our docs have a detailed guide on how to get started with balance accounts and we've published a short blog post on why we built it.

You can also check out the API reference for the balance accounts API.

New

• Expanded notification support to include Balance Accounts transfers.
• You can now send notifications referencing Balance Account IDs in addition to operating, merchant and platform accounts.

Improvements

• The transaction details page now shows an improved fee breakdown.
• Card details now display the card issuer name (“Issuer”) in the dashboard.
• Transaction timeline shows a “Cancel — Declined” entry with appropriate icon and labels.

Bug Fixes

• We've fixed an issue where some checkouts were failing intermittently in Ecosia browser.

API reference is now powered by Scalar

Our API explorer has a new home on Scalar, giving developers a cleaner, faster, and more interactive documentation experience.

With Scalar, you can easily explore endpoints, search across the API, and view live, always up-to-date specs. This upgrade makes it easier to find exactly what you need and start building faster.

Check out the new API explorer here.

New

• We now support SMS OTPs for 2FA in addition to Authenticator Apps.
• Payouts are now supported through our banking partner Deutsche Bank.

Improvements

• You can now filter on Card Holder Name, First 6 / Last 4 of the Card Number on the Transactions page in the dashboard.

Bug Fixes

• We have fixed an issue with the forgot password flow.

Checkout now supports 12 new languages

You can now localize your checkout to better match your customers’ native language preferences to improve conversion, reduce friction, and build trust across more regions.

The new languages are: Italian, Spanish, French, German, Portuguese, Polish, Czech, Slovak, Hungarian, Romanian, Bulgarian, and Greek.

You can customize the language by adding a query parameter to the payment link URL in the format ?language=it.

To view the full list of supported languages and learn more refer to the docs.

New

• Payouts now support custom payout references
• Interchange and Scheme fees now displayed for transactions involving FX, only if you are priced with Interchange+
• We have improved our infrastructure to notify you of failing webhooks

Improvements

• The Transaction List in the dashboard now allows you to filter by Amount
• Settlement processing has been scaled up to handle increases in volume

Bug Fixes

• We have fixed a bug with email registration casing

Virtual Account Numbers

You can now assign Virtual Account Numbers (VANs), unique IBANs issued per balance account.

VANs enable seamless reconciliation of incoming payments, as each payment is automatically mapped to the correct balance account without requiring a payment reference.

• Unique IBAN per balance account: Each balance account receives its own dedicated IBAN
• On-the-fly creation: Instantly generate new VANs as needed
• Simplified reconciliation: Incoming payments are automatically attributed, eliminating the need for payment references
• Safe and secure: VANs are issued by our partner Deutsche Bank, ensuring reliability and compliance, with your customers money stored at one of the largest most trusted financial institutions in Europe

This feature is available across both the dashboard and API, making it easier than ever to manage and track your payments.

Speak to us to learn more about how we can support you with this new feature.

Bespoke Terms & Conditions directly in the dashboard

Your customers can now review and sign documents prepared for them directly in the Embed dashboard. Required documents must be signed before they can proceed with sensitive operations, helping ensure compliance from the start. All signed documents are timestamped and attributed to the signer for auditability.

New

• You can now remove a user from an account
• Use SEPA to top up balance accounts without using a payment reference
• We have added webhook notification types for TRANSACTION.AUTHORIZATION.DECLINED & TRANSACTION.CAPTURE.DECLINED

Improvements

• You can now filter on Status Cancelled and Transaction Channels in the Transaction List in the dashboard
• Specific products from a multi-line item payment can now be disputed instead of the full amount
• Our dashboard and transactional emails have been updated to reflect our recent rebranding

Bug Fixes

• Fixed some validation issues in some forms and dialogs in the dashboard

Roles and Permissions

Control access to your Embed accounts with role-based access control for both users and API keys. Each user or key is assigned a role—such as Admin, Developer, Member, or Provisioner—with permissions defined by the account type (Platform or Merchant).

Access is strictly limited to the account the role belongs to, ensuring resources remain isolated and secure. This model follows the INCITS 359-2012 standard and applies across both the dashboard and API.

View roles & permissions here

New

• You can now migrate tokenised card details from your legacy PSP to Embed
• We've added dispute webhook notifications

Improvements

• Emails now reflect the Embed rebranding
• IBAN in the dashboard now shows correct formatting
• iDEAL completion on Payment Link now redirects to merchant page upon completion

Bug Fixes

• Fixed UI issues related to account status badges

Payout Configuration at Operating Account Level

More control over your payouts: Now you can set up custom payout rules and unique payout references for each sub-merchant, legal entity, or country you operate in—so your funds land exactly where and how you need them, every time.

Each operating account can define its own payout configuration—currency, schedule, destination bank account, and free-form reference—falling back to the merchant-level defaults when not set. This gives you the flexibility to fine-tune how funds are moved across your entire structure.

New

• Incremental authorisation on unscheduled charges are now supported
• You can now add a payment reference to your payout
• Transaction list details can now be filtered by account

Improvements

• Transaction List details got better labels and navigation
• Dashboard sidebar has a new and better look

Bug Fixes

• Fixed incorrect display of account status in transaction details