Embedded Finance for management software leaders
Zucchetti chose RoxPay as a technological partner to integrate advanced collection services directly within its suite, thus transforming every ERP into a complete fintech platform.
Overcoming external payment gateways
The user experience in traditional ERPs broke down at the moment of collection: users had to leave the software to operate on banking portals, losing fluidity and control.
CX Fragmentation
Exiting the ERP to settle an invoice created confusion and avoidable drop-off rates.
Manual reconciliation
Without bidirectional communication, payments received via bank had to be manually matched against invoices issued in the ERP.
Legacy integrations
Integrating traditional banking systems at the code level was rigid, slow, and expensive to maintain for the Software House.
A native API suite for digital payments
RoxPay's infrastructure, designed specifically for developers, allowed Zucchetti to implement seamless payment flows without the burden of becoming a Payment Institution.
Explore the APIsUnified API Interface
A single REST endpoint to govern single collections, recurring payments, refunds, and chargebacks, all from the ERP console.
Invisible checkout
Implementation of iframe payment modules and server-side tokenization that maintain the software's proprietary interface.
Real-time webhooks
Instant server-to-server notifications that auto-settle invoices in the ERP as soon as the banking node confirms the transaction.
The ERP becomes the center of cash flow
Zucchetti increased the perceived value of its offering by finally providing clients with a complete accounting experience.
A bridge between Software and Banks
The RoxPay modules upon which Zucchetti built its Embedded Finance offering.
Semantic collection of calls for initialization, authorization, and capturing of funds from any server language.
Secure frontend components for collecting card data (PAN) within the ERP without compliance impacts.
Dynamic routing of transactions towards the client's acquirer to optimize commission costs.
Robust webhook system with automatic retry policy in case of management server unresponsiveness.
Advanced modules for dividing the collected amount between marketplace and seller (e.g., software house fee).
Dedicated test area for Zucchetti development teams to test every query before moving to production.
"We were looking for a payment API interface that was robust, but above all modern and well-documented. RoxPay proved to be the natural choice: an architecture designed for software creators, which allowed us to equip our ERPs with highly advanced fintech functions with an exceptional time-to-market."
Deep Dive: Embedded Finance and APIs
Embedded Finance allows you to keep the user within the software environment. Instead of having to open home banking or external portals, the company settles suppliers or collects from customers with a click directly from the invoice screen, drastically improving the User Experience.
No, if designed correctly. Using RoxPay's Iframe or hosted-fields modules, sensitive card data bypasses the ERP's servers, ending up directly in RoxPay's secure Vault. The management software receives only a token (harmless alphanumeric string) for subsequent operations.
When a customer pays (for example from a link sent via email), the banking circuit processes the payment. RoxPay detects the positive outcome and instantly 'calls' the management server (webhook) communicating which invoice ID was settled. The ERP updates the status without human intervention.
The architecture is RESTful. This means our APIs communicate via standard HTTP requests and JSON payloads, making them integrable from any backend language (Java, C#, Python, PHP, Node.js) and commercial framework.
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