← State of Embedded Finance 2026

Esker

Can a document-automation SaaS company become the financial process OS for enterprise finance teams by embedding payments and working capital tools into O2C and S2P workflows?

HQLyon, Rhône-Alpes, France
IndustryHorizontal SaaS / Accounting
The story

Esker began as a document process automation company, initially focused on eliminating paper-based workflows for finance departments. Over time it evolved into a full cloud platform covering Order-to-Cash and Source-to-Pay automation, and in 2021 embedded financial services directly into its platform via Esker Pay, partnering with fintechs like Stripe to add payment processing, early payment discounts, and supply chain financing capabilities.

Last 12 months
Product timeline
2021
Launched Esker Pay, an integrated set of payment capabilities and Fintech partnerships covering AR and AP automation, supply chain financing, and fraud prevention.· payments
The stack
Payments / PSP
Stripe
Lending
Early payment discountsSupply chain financing
Accounting
Oracle
Accounting gap: minor