“Can a restaurant reservation platform become the dining OS for American Express cardholders while staying an unlicensed layer on top of third-party payments?”
Resy started in 2014 as a paid-reservation app taking a fee to sell hot tables, then pivoted to a full restaurant SaaS platform (reservations, table management, event ticketing) competing directly with OpenTable. American Express acquired it in 2019 and turned it into a dining-benefits engine for cardholders. Its embedded finance layer is deliberately thin: Stripe handles all restaurant payouts and prepayments, and Rooam powers Resy Pay for diner-side check payment — Resy itself takes no direct financial licensing risk.
Resy processes payments through Stripe.
Resy integrates with Square, Toast, NCR Aloha, Micros 3700, Simphony, POSitouch, Upserve, Squirrel and 5 others.
The Embedded Finance Index 2026 maps 2 layers in Resy's stack: Payments / PSP (Stripe); Accounting (Square, Toast, NCR Aloha, Micros 3700 and 9 others).
Resy was founded by Ben Leventhal, Gary Vaynerchuk and Michael Montero and is founded in 2014, headquartered in New York, NY, USA.
Resy has raised $15.8M (pre-acquisition) in total (latest round: Acquired by American Express (2019)).
Get a read on where your own stack stands against Resy and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.