Updated on June 12, 2025
Embedded finance is rapidly changing how wholesale e-commerce businesses operate by making transactions and financial services faster and more seamless for both buyers and sellers. Companies now have new ways to offer lending, payments, and insurance directly within their platforms, cutting out the need for third-party banking services.
As more industries adopt these solutions, wholesale e-commerce platforms are seeing the value in integrating tools that support business operations and drive efficiency. Key industry insights show that financial services embedded into e-commerce accounted for $2.6 trillion of US transactions in 2021, and projections indicate this figure will surpass $7 trillion by 2026 according to research on the embedded finance value chain.
Embedded finance in the US is expected to reach a $7 trillion transaction value by 2026. This surge is driven by the rapid adoption of financial tools within wholesale and retail platforms.
According to Bain & Company’s embedded finance report, embedded options could account for 10% of all US financial transactions. Businesses using wholesale e-commerce platforms should track this growth, as it creates significant revenue opportunities for both merchants and software providers.
Retail and e-commerce platforms have become the leading sectors for embedded finance, providing quick access to payments and financial tools for customers. Growth in these areas is outpacing other segments, driven by customer demand for integrated solutions.
According to Bain & Company’s embedded finance report, these sectors serve as the main use cases, supporting billions in transaction value. For more on the wholesale e-commerce landscape, visit embedded finance statistics in E-commerce.
More than 70% of logistics PayFacs are ready to launch embedded finance within the next five years. This shows strong momentum among platforms serving wholesale e-commerce.
Such high adoption rates are highlighted in reports tracking embedded finance innovation in logistics and wholesale trade. Companies are preparing their systems to support new payment and lending options for their clients.
Learn about additional use cases fueling growth in this space by reviewing the list of embedded finance use cases.
In 2023, the transaction value for embedded finance was $2.6 trillion. Experts predict this number will rise to around $7 trillion by 2026, signaling a major shift for wholesale e-commerce.
This rapid growth shows why companies must evaluate how embedded finance in wholesale e-commerce could improve customer experience. By preparing now, businesses can keep up with changes in payment methods and transaction flows.
B2B embedded finance platforms are quickly gaining traction with wholesalers and large buyers. These solutions streamline credit, payments, and lending inside digital marketplaces.
Analysts point to the rapid growth of B2B buy now, pay later and real-time risk analytics as driving factors behind this shift. For more analysis, see the recent embedded finance trends from McKinsey.
To understand how this impacts wholesale businesses, refer to this guide on embedded finance in B2B e-commerce strategy.
Lenders are now designing more embedded lending products specifically for small and medium-sized businesses. These solutions offer quick access to funding directly within wholesale e-commerce platforms.
According to a 2024 review of embedded lending solutions for SMBs, seamless experiences are a key driver. Businesses can now avoid fragmented funding and access customized capital options, as highlighted by the growing impact in state of embedded finance.
B2B Buy Now Pay Later (BNPL) has become a popular way for businesses to manage liquidity. It allows companies to buy goods and pay later, improving cash flow and working capital efficiency.
According to Allianz Trade’s analysis of B2B payment trends, the global value of BNPL transactions is expected to more than double by 2028. Businesses in wholesale e-commerce are increasingly using these flexible payment options to support operations and growth.
For insights on similar embedded finance topics in e-commerce, see "wholesale ecommerce platforms" on Saleor at saleor.io/wholesale-ecommerce-platforms.
Digital wallets are seeing strong adoption among wholesale buyers due to fast checkouts and easy account management. Over 69% of younger buyers now use digital wallet payments, which is raising the bar for what business customers expect.
Installment payment options and BNPL solutions have grown over 24% in recent years, making them important for B2B e-commerce platforms. Learn more about the impact of embedded finance in wholesale.
The embedded finance market in e-commerce is projected to reach $291 billion by 2026, driven by strong growth in digital transactions and financial integrations. This anticipated expansion reflects a robust compound annual growth rate of 16.5% from 2023 to 2033, according to embedded finance market size trends.
Companies that adopt embedded finance solutions early may see improved transaction efficiency and customer retention. For more information on embedded finance in B2B, visit the embedded finance trends and statistics report.
Wholesale e-commerce businesses are adopting embedded finance to manage transactions more efficiently across borders. Solutions now enable faster payments and reduce friction in cross-border processes, making it easier for companies to serve international customers.
This growth is driven by embedded finance for cross-border payments, which addresses pain points for both buyers and sellers. As a result, cross-border scalability helps businesses stay competitive in global markets and meet higher expectations for seamless financial services, as discussed in this embedded finance annual roundup.
The range of embedded finance products is growing, driven by digital customer onboarding and more advanced risk analytics. Real-time risk analytics are helping companies make faster, data-backed decisions, which lowers manual review needs and improves efficiency.
For businesses, this means streamlined processes and improved risk management. More detail on these changes is available in the embedded finance trends report from McKinsey. Wholesale e-commerce providers can also learn more about embedded finance for e-commerce.
In 2024, mergers and acquisitions are restructuring the embedded finance sector. Large fintech firms and established banks are acquiring smaller Banking-as-a-Service providers to expand services and streamline operations.
This trend is especially visible in wholesale e-commerce, where platforms aim for full-service ecosystems covering payments, lending, and insurance. Businesses looking to keep up can explore the state of embedded finance for in-depth insights.
These moves support improved scalability and resource efficiency as reported in embedded finance and BaaS reflections on 2024.
Over 70% of logistics and wholesale trade payment facilitators plan to increase or start offering embedded finance products in the next two to five years. This shows a clear focus on integrating digital financial tools into business operations.
Companies are responding to changing market expectations for fast payments and flexible financing options. For more detailed information, see the embedded finance drives logistics and wholesale trade innovation report. Learn about expanding embedded finance use cases in different sectors.
Embedded finance allows customers to access financial services directly within e-commerce platforms, which makes transactions faster and easier. This reduces friction and can lead to higher sales conversion rates.
Businesses using embedded finance report significant improvements in metrics like customer engagement and satisfaction. More data on this trend is available in embedded finance statistics.
For wholesale e-commerce, integrated financial tools help customers stay on familiar platforms, driving repeat purchases and longer-term loyalty, as discussed in this blog on embedded finance growth in modern e-commerce.
Wholesale businesses benefit when embedded finance speeds up customer onboarding by reducing paperwork and automating steps. This saves time for both buyers and sellers.
Digital product servicing lets companies resolve issues and manage services online, leading to fewer delays and less manual work. A McKinsey analysis on embedded-finance product portfolio reports ongoing digitization is making these processes more efficient.
For more on how embedded finance is transforming the sector, read about embedded finance in e-commerce trends on Shopify.
Regulators are paying more attention to embedded finance, especially as more wholesale e-commerce platforms offer financial products. This has led to new rules and higher compliance expectations for both banks and fintech partners.
As noted in the embedded finance regulatory outlook, thorough risk management and transparency are now key for these partnerships. Businesses investing in embedded finance must assess compliance risks as closely as they evaluate embedded payments solutions.
Embedded finance gives buyers more payment options, allowing faster checkouts and fewer abandoned carts. This seamless integration can help wholesale businesses improve their transaction process and reduce delays.
Recent data shows that integrating financial services into e-commerce platforms is changing how businesses and customers complete transactions. It’s shaping the industry as a hidden growth engine behind modern e-commerce.
To learn more about real-world examples, see the "embedded finance in wholesale ecommerce" guide.
Embedded finance allows wholesale platforms to offer integrated payment tools, on-demand credit, and real-time transactions. This adoption reduces manual tasks and improves cash flow management for businesses.
Integrated payment solutions let buyers and sellers complete payments directly on wholesale e-commerce platforms. This reduces friction by removing the need to rely on third-party gateways or offline processing.
Payment automation also supports real-time updates on payment status. Businesses can monitor incoming and outgoing funds without waiting for batch processing or manual confirmation. This increases transparency and allows for faster reconciliation of accounts.
A 2024 study found that embedded payment options on wholesale trade platforms led to lower transaction delays and fewer chargebacks, helping businesses process large orders efficiently. For more information on developments, see the details in the Embedded Finance Ecosystem Logistics and Wholesale Trade Edition.
The use of APIs and digital onboarding further supports seamless business payments. This saves time and cuts down on mistakes often seen with paper-based methods and manual data entry.
Embedded finance allows wholesale e-commerce firms to give buyers instant access to working capital or short-term loans right at checkout. This makes it easier for businesses to order more stock and manage gaps in cash flow.
Flexible financing tools use digital risk assessment to decide credit limits quickly, so there are fewer delays than with standard bank loans. This is especially useful for small and mid-sized retailers who need more agility.
Many platforms now partner with fintechs to offer credit lines, invoice financing, and buy now, pay later options. Businesses can choose what fits best for their cash cycles. As highlighted by Bain & Company's report on embedded finance, this model supports sector growth and competitive pricing.
Offering instant financing at the point of sale can boost order sizes and encourage more frequent transactions, giving both wholesalers and buyers financial stability.
Businesses are rapidly adopting embedded finance as digital tools and new customer behaviors shift the wholesale e-commerce landscape. Technology is helping companies to offer advanced, integrated financial services right where their clients are shopping, streamlining both payments and operations.
Recent advances in cloud computing, open APIs, and artificial intelligence allow wholesalers to link banking and payment services directly into their digital sales platforms. This enables features like instant credit checks, flexible invoicing, and real-time payments. Vendors can automate tasks that would otherwise require manual review, bringing faster transaction speeds and fewer errors.
The adoption of digital payment solutions is increasing, with embedded finance now a key growth driver across business sectors. As shown in the embedded finance market size, growth analysis 2025-2034, the global market reached $104.8 billion in 2024, driven by demand for integrated services.
Key features powering B2B growth:
Wholesale e-commerce platforms that use these technologies can better serve large clients while reducing operational overhead and financial friction.
Today’s B2B buyers expect simpler, faster, and more transparent purchasing processes, similar to what they experience in consumer settings. They now choose suppliers that offer digital payment and financing options built into the buying journey. These new expectations have forced wholesale businesses to upgrade their systems.
According to statista.com/topics/9096/embedded-finance/, embedded finance solutions disrupt traditional banking roles and appeal to buyers expecting digital-first experiences. The shift to online and mobile sales channels makes it critical to integrate seamless financing, credit terms, and payment methods directly into e-commerce checkouts.
A summary of what B2B buyers value most:
Businesses that align with these expectations strengthen customer loyalty and increase conversion rates, as buyers find it easier to place and complete orders.
Embedded finance is disrupting wholesale e-commerce with rapid adoption and major investments. Businesses are looking for flexible payment models, integrated lending, and streamlined processes as the market scales.
Embedded finance solutions are moving beyond payments into lending, insurance, and expense management for wholesale buyers and sellers. More providers offer real-time credit and buy now, pay later features directly in e-commerce platforms. B2B applications, such as embedded lending for inventory and working capital, are gaining traction in 2025.
Further information on trend analysis can be found at embedded finance market size and share report, 2030 from Grand View Research. For examples of new B2B models, see the state of embedded finance 2024 annual roundup.
Fintech providers are seeing increased enterprise demand for modular APIs and white-label solutions that allow platforms to offer customized credit, risk checking, and payments. The shift toward integration has created new partnership opportunities between fintech firms and e-commerce marketplaces. This is leading to greater consolidation as traditional players look to scale embedded finance offerings.
The growth is best explained in the embedded finance market size, growth analysis from 2025-2034 which details changing business needs. Additional impact details are covered in the U.S. embedded finance market report.
The global embedded finance market is projected to nearly triple in value from $2.6 trillion in 2023 to $7 trillion by 2026. Market size estimates suggest a compound annual growth rate above 20% through 2030. Key drivers include strong take-up in wholesale and retail sectors and the expansion of digital payment solutions.
For a deeper look at market forecasts, review this embedded finance market analysis. Projections are also available from Bain’s PDF on embedded finance.
Growth is being driven by the need for faster B2B transactions, seamless checkout, and automated credit assessment. Wholesale platforms want to reduce friction and shorten payment cycles for buyers and suppliers. Logistics providers and marketplaces are integrating embedded finance to expand revenue streams.
More about these growth drivers is detailed in the embedded finance market size and share report, 2030. Analysis of drivers in logistics and related sectors can be reviewed in the state of embedded finance 2024 annual roundup.
B2B buyers want simple, self-serve payment options, instant financing, and unified onboarding. Businesses expect embedded solutions to be as seamless as consumer apps. This demand pushes platforms to incorporate digital wallets, flexible credit lines, and expense tracking without redirecting users.
The importance of integrated payment solutions is discussed in this embedded finance market size, growth analysis 2025-2034. More is available in the U.S. embedded finance market report covering user trends.
Leading embedded finance providers in wholesale e-commerce include Stripe, Adyen, and Plaid. They supply APIs for payments, credit, and KYC that drive many large-scale B2B marketplaces. E-commerce giants like Shopify and Amazon are rapidly expanding their own embedded finance services for merchants.
More about the companies and the competitive landscape is described in the embedded finance market analysis. To explore which e-commerce leaders are active, refer to the Grand View Research market report.
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