Sandbox
Production
Ways to Accept Payments
Cross-Border Payments
Payment Optimization
Payment Types & Currencies
Compliant Surcharging
Fraud Prevention
Chargeback Management
Compliance
Payment Analytics & Reporting
POS Systems
Flexible Payment Monetization
White Label Payment Solutions
Fast Merchant Onboarding
Global Payment Optimization
Global Payouts
Built-In Payment Orchestration
Expert Platform Support
Tailored Risk Management
Payment Operations Tools
Accounts Receivable Automation
Subscriptions & Recurring Billing
Invoice Payments
Virtual Terminal
Who Is Simpler?
Simpler is a checkout-as-a-service company for emerging mid-market eCommerce businesses, primarily in Europe. Their fully managed checkout engine replaces slow, cobbled-together checkouts with a single solution that works with a business’s existing tech stack and continually auto upgrades with new payment methods, UX improvements and the ability to sell in new markets. For merchants, the solution drives higher conversions at lower costs.
The Challenge
Simpler started in 2021 to transform the eCommerce checkout in Greece. The company envisioned a seamless checkout experience that would allow shoppers to move across participating merchants with a faster, more unified purchase journey, while giving merchants access to a more powerful conversion tool.
“When we started, it was the time that the Amazon one-click patents had recently expired and it paved the way for players like us to play in the space,” says Rania Lamprou, cofounder of Simpler. “At the beginning, we were an express checkout solution alternative to the merchant’s native checkout. And the idea was we would give them this express checkout, and we would remain the source of truth of the shopper’s data. The shopper could then use it whenever they wanted to buy somewhere.”
Delivering that experience required far more than standard payment processing. Simpler needed a payments partner that could provide a sophisticated embedded payments infrastructure behind the scenes that included:
- White-label embedded payments
- Simple integration for cards, Apple Pay and Google Pay with minimal PCI scope
- Secure card vaulting and tokenization
- Efficient merchant onboarding for their customers
- Payment infrastructure to support a marketplace-style architecture
- Revenue share tied to transaction activity
- A seamless payments experience fully integrated into Simpler’s checkout product
This was an ambitious undertaking, especially for a startup without deep in-house payments knowledge. “When we started, our payments expertise was almost zero,” says Simpler cofounder Alex Kyriakopoulos.
After researching their options, Simpler found that few payment providers could deliver the combination of embedded payments functionality, white-label flexibility, global payments capabilities and platform enablement required to bring their vision to life. BlueSnap was a standout among these few options.
If someone wanted to build a similar product, I would recommend BlueSnap 10 out of 10. For us, it was a perfect match product-wise.
Alex Kyriakopoulos, Cofounder, Simpler
The Solution
Simpler’s checkout is a product, not just a transaction endpoint. That means their payments need to feel native, not outsourced.
BlueSnap Embedded Payments provides the payments infrastructure that supports Simpler’s scaling business. Instead of sending merchants or customers to third-party payments, BlueSnap enables Simpler to integrate payments directly into the software experience.
“Very few players have this platform-as-a-service capability,” says Kyriakopoulos. “With BlueSnap, you can set yourself as a layer that can host other merchants and be the man in the middle to get the rev share out of transactions that are happening on behalf of the merchants in your marketplace or platform setup.”
“BlueSnap’s platform capabilities were game-changing. And given the size of BlueSnap, we had the possibility of getting specialists to work with us. Without BlueSnap, I don’t know if we could ever have had a custom setup like we have now and eventually built a product with the characteristics that it currently has. So the white labeling and the embedded payments are the key characteristics that made this possible.”
Simpler’s model combines multiple complex elements: a branded marketplace-style architecture with sub-merchants onboarding to the platform and secure credential vaulting so shopper payment details can be reused across participating merchants.
Why BlueSnap Works for Simpler
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- Embedded Payments That Support Revenue Growth: Payments are key to the Simpler’s business model, where they offer checkout as a service. BlueSnap Embedded Payments enables Simpler to quickly onboard merchants, design and support transaction flows within its ecosystem and earn revenue off each payment that goes through their software.
- White-Label Embedded Payments That Preserve the Product Experience: BlueSnap offers a fully branded, white-label solution for software platforms. Simpler integrates the payment functionality directly into its checkout software while preserving a cohesive user experience. “We were looking for a payment partner that could give us this kind of embedded payments setup and the ability to white label as much as we can,” Kyriakopoulos explains.
- Secure Payment Infrastructure Without Reinventing Payments: Building payments infrastructure from scratch would have dramatically increased complexity, cost and time to market for Simpler. BlueSnap’s hosted payment fields allow the software platform to securely accept payment data while maintaining control over the experience.
With BlueSnap’s Flexible Payment Monetization tools, Simpler is able design and own the payments product they envisioned. Leaving the technology and payments expertise to BlueSnap allows Simpler to innovate on checkout as a service, scaling their business and helping their customers increase their order revenue.
With BlueSnap, Simpler has been able to transform payments from a backend necessity into a monetization engine.
The Results
Since working with BlueSnap, Simpler has launched a differentiated payments-enabled checkout platform without having to become a payments company itself. They are able to reap the benefits of being a payments business without having to build the infrastructure or shoulder the risk.
Grow Their Checkout Product
While Simpler began as a one-click checkout option for European merchants, they have evolved to offer a complete checkout infrastructure that optimizes for increased conversion. And they have expanded into new markets across the UK and European Union, into Italy, Portugal, Germany, Spain and more. They have onboarded merchants in 20 different markets (you can see the full list below).
“We have expanded to a more complete solution,” explains Lamprou. “The value we add has to do also with the cost reduction of having to maintain all those integrations with their agencies or the developers that the merchant is using for their checkout.” This includes adding capabilities like the flexibility to support local payment methods, country-specific shipping options, loyalty programs, AI-powered cross-selling and more. And BlueSnap, with global payment capabilities, has been a partner supporting them along the way.
A Meaningful Revenue Stream
By embedding payments into its checkout experience, Simpler created a recurring revenue stream directly tied to transaction activity. Today, approximately 50% of the company’s revenue comes from payments. For a software company, that represents a significant monetization opportunity and validates the strategic value of embedded payments.
Faster Time to Market for a Complex Payments Product
Launching sophisticated embedded payments infrastructure is technically demanding.
Without the right partner, Simpler would have faced the burden of assembling payment functionality, compliance requirements, security controls and merchant enablement independently – on a global scale. Instead, BlueSnap provided the technical foundation needed to accelerate launch.
Dedicated Support for a High-Complexity Implementation
Because Simpler was building a specialized payments-enabled platform, implementation support mattered. BlueSnap worked closely with the team throughout setup, helping translate the founders’ complex payments vision into a working product.
“When setting up everything, we had amazing support from BlueSnap,” says Kyriakopoulos. “We had amazing account management. The trust and the support that we got was great. And also the technical flexibility.” That level of collaboration helps Simpler move faster with confidence.
Product Differentiation in a Competitive eCommerce Market
Checkout is a crowded space. BlueSnap helped Simpler deliver a payments-enabled checkout experience tailored to its own business model rather than forcing the company into a one-size-fits-all processor experience. That flexibility helped Simpler create a differentiated offering in a highly competitive market.
Simpler Builds the Future of Checkout with BlueSnap Embedded Payments
For software platforms building next-generation ecommerce and embedded commerce experiences, embedded payments infrastructure can become a major revenue driver rather than simply a backend utility.
Simpler needed more than payment acceptance. It needed white-labeled embedded payments capabilities flexible and robust enough to support product differentiation, merchant enablement, and recurring revenue growth.
BlueSnap delivered the infrastructure and support that made that possible.
“If someone wanted to build a similar product, I would recommend BlueSnap 10 out of 10,” says Kyriakopoulos. “For us, it was a perfect match product-wise.”
Markets Where Simpler Has Onboarded Merchants with BlueSnap Embedded Payments
- Austria
- Bulgaria
- Cyprus
- Czech Republic
- Estonia
- France
- Germany
- Great Britain
- Greece
- India
- Ireland
- Italy
- Lithuania
- Netherlands
- Norway
- Portugal
- Spain
- Sweden
- United Kingdom
- United States
Frequently Asked Questions
What are embedded payments?
Embedded payments are when payment functionality is embedded directly within a software platform, so clients do not need to integrate with another service to accept payments.
How does embedding payments with a third-party partner work?
Using an embedded partner involves signing on with a partner that has developed embedded payments technology that your clients can access through your platform. The embedded payments partner will typically handle compliance, onboarding and customer support, depending on how you would like to structure the partnership.
Can businesses embed BlueSnap into their SaaS platforms as payment functionality for their customers?
Absolutely. BlueSnap supports embedded payments, allowing software platforms to integrate payment flows directly into their offerings.
What does it mean to white-label BlueSnap’s services?
BlueSnap offers the option to white-label our Embedded Payments platform. White-labeling a software platform means one company – such as BlueSnap – develops the software, and another company – such as your platform – resells it under its own brand, without the end-user knowing the original creator.
How do I integrate BlueSnap Embedded Payments into my platform?
You will need to work with our implementation team to determine how to integrate our solution into your platform. This might occur in any of the following areas:
- Merchant Onboarding
- Payments
- Reporting
What payment types does BlueSnap Embedded Payments Support?
Accepting payments on behalf of your merchants is simple and requires only a few lines of code. BlueSnap’s global payment ecosystem gives you access to currencies, countries and payment methods from around the world.
BlueSnap supports card, mobile wallet and direct debit payment methods. For additional information, refer to the following:
- Payment Methods Overview — Comprehensive details about each supported payment method.
- BlueSnap Payment API — Guides and endpoint reference documentation to help you integrate payment methods into your platform.
Does BlueSnap provide support during the implementation process?
BlueSnap Implementation Services prepare your platform for success by delivering embedded payments best practices on key integration and operational areas. Many platforms find it helpful to include the BlueSnap integration project in meetings where payments are discussed, including backlog grooming and sprint planning. Our implementation teams work with your product and development teams to ensure the project progresses on schedule.
During implementation, you can expect a series of discussions led by our Embedded Payments experts on key topics, such as:
- Merchant Onboarding
- Payment Method Flows
- Subscriptions
- Payouts
- Fraud Prevention
- Launch Planning
In addition, we provide comprehensive live support throughout the process, including BlueSnap product training and email integration.
