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Is your financial product offering leaving revenue on the table?

Platforms and Marketplaces
Is your financial product offering leaving revenue on the table

Let’s say your platform is up and running. You’ve built your user base, transactions are flowing, and operationally things feel… steady. But here’s a question worth pausing on:

Is your financial setup actively driving new revenue—or is it quietly capping your growth?

It’s easy to assume that once payments are handled, the financial side of your product is “done.” But that mindset might be holding you back. More and more businesses are discovering that their payment stack isn’t broken—but it’s not working hard enough either.

In other words, you could be leaving revenue on the table.

Your users want more than basic transactions—they want a real financial experience

Customers and business users alike have grown used to seamless digital experiences in every area of life. So when it comes to managing money, they expect the same from your platform.

If you’re offering only the bare minimum—say, a simple card checkout or third-party payment gateway—you’re not meeting them where they are. Worse, you’re sending them elsewhere to complete tasks they could be doing with you: saving money, receiving payments, managing currencies, even spending via cards linked directly to your platform.

This isn’t just about convenience. It’s about owning key parts of the user journey.

Here’s where platforms start to unlock meaningful new revenue

Let’s look at what offering an expanded financial layer can mean—practically and commercially.

With embedded financial services, you can:

  • Let users receive and hold funds in dedicated IBAN accounts
  • Offer multi-currency wallets, supporting 80+ currencies for truly global coverage
  • Enable SEPA, SEPA Instant, and SWIFT transfers—all within your environment
  • Launch white-label virtual and physical VISA cards, turning spend into brand exposure
  • Offer payment initiation services for cost-efficient and conversion-friendly transfers
  • Build recurring payments into your platform to support subscriptions
  • Accept funds directly via merchant acquiring with fast settlement cycles
  • Track and route money seamlessly with digital wallets for individuals and businesses

Each of these tools opens up direct and indirect revenue streams—through interchange, premium features, better retention, and operational efficiency.

And they can be layered in modularly, depending on your business model and growth priorities.

You don’t need to be a bank—but you can act like one

Let’s be clear: launching a full-blown financial institution isn’t on your roadmap (and it shouldn’t be). But the ability to offer key financial services directly within your platform?

That’s the new competitive advantage.

Think of it this way:

  • A marketplace that offers seller wallets and branded cards doesn’t just make payments easier—it becomes the seller’s go-to financial hub.
  • A sports club offering fan wallets and instant top-ups turns passive fans into engaged participants—with spend tracking and loyalty features built in.
  • An e-commerce platform offering instant SEPA transfers and on-platform accounts gives buyers and sellers faster, more trusted transactions.

In each case, you’re not replacing banks—you’re offering the features that matter most, at the point where users want them.

And because platforms like ConnectPay handle the complexity behind the scenes—licensing, compliance, integrations—you can deliver enterprise-grade financial experiences without becoming a financial institution yourself.

Revenue is only part of the equation—retention, engagement, and insight matter too

While direct monetisation is compelling (and real), the longer-term impact of embedded financial services shows up in ways that compound over time.

Here’s what we mean:

  • Retention improves when users can do more without leaving your ecosystem
  • Engagement rises when financial features are intuitive, useful, and brand-aligned
  • Customer insight grows when you can analyse how users transact, not just how they log in

You get to build richer user profiles. Launch more relevant features. And create a network effect within your own ecosystem—something no third-party payment widget will ever give you.

Let’s make your financial layer work harder

The truth is, most platforms are doing the work—they’re just not capturing the value.

Your users are already moving money, transacting, subscribing, paying, and getting paid. The question is whether they’re doing it with you, or somewhere else.

So ask yourself:

  • Are you capturing revenue from card usage, currency exchange, or premium features?
  • Are you giving users a reason to stay—and transact more—within your platform?
  • Are you building the kind of financial experience that sets your brand apart?

If not, your financial product offering might be more of a cost centre than a growth engine.

And that’s a fixable problem.

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