Embedded Finance for Platforms: Payments and Payouts via ONE's REST API

The term embedded finance covers a range of capabilities, but for most platforms the core need is simple: let your users accept payments and receive payouts without leaving your product. This is different from a standard checkout integration where you as the platform operator collect revenue. Embedded payments means your end-users — merchants, service providers, sellers, freelancers — are the ones accepting funds, and your platform orchestrates the flows.

With ONE's REST API, you can build exactly this. Your platform calls the API to create payment sessions on behalf of sub-merchants or connected accounts, initiate API-triggered payouts to their bank accounts, and run batch disbursements when you need to settle funds to many recipients at once. Because everything runs through one set of credentials and one dashboard, your engineering team maintains a single integration rather than stitching together multiple providers. The result is a cleaner codebase, faster onboarding for new users, and a more professional product experience that keeps users inside your platform from start to finish.

ONE's embedded finance stack starts with a broad set of payment methods so your platform's end-users can accept revenue from the widest possible customer base. Card support covers Visa, Mastercard, American Express, JCB and UnionPay — the five major networks that matter most for Singapore-based and regional commerce. Apple Pay and Google Pay add fast mobile wallet checkout with no additional integration work on your side. For Singapore customers, PayNow enables bank-to-bank transfers directly from a banking app, which is increasingly the preferred payment method for local transactions.

Beyond direct API payment flows, ONE also offers hosted checkout and payment links. Hosted checkout lets your platform redirect end-users to a fully managed payment page, which keeps PCI scope minimal and reduces the frontend code your team needs to maintain. Payment links go further: you can generate a URL and send it by email, WhatsApp or SMS, and the recipient pays through a ONE-hosted page. Both options sit alongside the raw REST API so you can mix and match — direct API for your core checkout, payment links for edge cases like invoice-based billing or one-off charges.

For most embedded finance use cases, accepting payments is only half the story. Marketplaces need to pay sellers. SaaS platforms need to disburse to contractors or sub-accounts. Gig economy apps need to settle earnings after each job. ONE's API supports API-triggered disbursements, meaning you can initiate outgoing transfers programmatically as part of your platform logic — no manual dashboard step required.

For higher volumes, batch payouts let you submit a list of recipients and amounts in a single API call, with ONE handling the routing and settlement. Local outgoing transfers cost USD 2.00 per transaction, and SWIFT international transfers cost USD 28.00. ONE's multi-currency account supports 13 currencies — SGD, USD, AUD, CAD, CHF, CNY, EUR, GBP, HKD, JPY, NOK, NZD and SEK — so platforms handling cross-border payouts can hold balances in the destination currency and disburse without unnecessary FX conversion. When conversion is required, it is charged at 1.00% above the interbank rate. There is no setup fee and no monthly fee, which means your cost scales with your transaction volume.

Platforms that serve international users face a particular challenge: collecting funds in one currency and disbursing in another, without leaking margin to poor exchange rates or opaque FX fees. ONE's multi-currency support addresses this directly. Your platform can hold balances in any of the 13 supported currencies and move funds between them at 1.00% above the interbank rate — a transparent mark-up with no hidden conversion charges layered on top.

For platforms operating across Southeast Asia, Hong Kong or internationally, this means you can accept SGD from Singapore customers, USD from US-based buyers, and EUR from European merchants, then disburse to each recipient in their preferred currency. Domestic card transactions are charged at 2.7% plus USD 0.50. International cards — where the card was issued outside Singapore — carry an additional 0.7%, making the effective rate 3.4% plus USD 0.50. These rates are consistent across payment methods so you can build predictable margin models into your platform pricing. Volume discounts are available for platforms that reach meaningful transaction thresholds — the ONE team can discuss custom rates based on your expected monthly volume.

Simplicity is the main reason platforms choose ONE over assembling multiple point solutions. A single REST API covers payment acceptance, hosted checkout, payment links and payouts — so your integration surface stays small and your documentation stays manageable. There is no setup fee and no monthly fee, which removes fixed overhead from your unit economics and lets you launch without committing to a minimum spend.

The developer documentation at one.ooo/documentation is built for teams that want to move fast: it covers authentication, request and response shapes, webhook events and error handling in one place. Webhooks let your backend react to payment events in real time — authorisations, captures, disputes, settlement notifications — without polling. For platforms that need guidance during integration or want to negotiate volume-based pricing, the ONE team is available to discuss your specific setup. You can contact ONE Payments directly to talk through your architecture, get a sandbox environment and confirm the rates that apply to your platform's transaction profile.

Regulated payment services are provided by Airwallex (Singapore) Pte. Ltd., a MAS-licensed Major Payment Institution under the Payment Services Act 2019. ONE Payments acts as a technology provider and merchant service facilitator.

ONE Payments Pte. Ltd. (UEN 202324291R) is registered in Singapore and operates as a technology and merchant services platform. The embedded finance capabilities described on this page — including REST API payment acceptance, hosted checkout, payment links, API-triggered payouts, batch disbursements and multi-currency account functionality — are provided by ONE Payments. Payment processing, fund holding and settlement of regulated payment activities are carried out by the licensed regulated partner named above. Information on this page is provided for general guidance only and does not constitute financial, legal or regulatory advice. Fees and features quoted are current at the time of writing — please confirm the latest pricing and available services for your specific platform when onboarding. Contact the ONE Payments team for details about your integration.