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← Embedded Finance Index 2026

Vagaro

“Can a booking and POS platform for beauty and wellness become the full financial operating system for its 220,000+ SMB merchants?”

HQPleasanton, CA (previously listed as Dublin, CA)
Latest roundPrivate Equity
IndustryVertical SaaS / Beauty & Wellness
The story

Vagaro began as a booking and discovery marketplace for salons and spas. Over time it expanded into a full-featured vertical SaaS platform for beauty, wellness, and fitness businesses, adding POS hardware (PayPro), payroll (via Gusto Embedded), and capital (via Liberis). Vagaro Capital represents a meaningful embedded finance pivot: rather than directing merchants to external lenders, Vagaro now offers revenue-based finance and BNPL for hardware natively within its ecosystem, deepening retention and monetisation of its 220,000+ merchant base.

Last 12 months
2025-10
2025-10
Product timeline
2009
Vagaro launched as an online booking and discovery platform for salons and spas.· pivot
2023
Vagaro Capital launched in partnership with Liberis, offering revenue-based finance of $1,000–$500,000 to beauty, wellness, and fitness merchants.· lending
2023
Plaid integration launched to streamline credit card processing sign-up and merchant deposit setup.· banking
2023
Gusto Embedded Payroll integrated into the Vagaro platform for in-app payroll management.· banking
2025
Liberis launched 'Pay with Liberis' BNPL product for hardware purchases via Vagaro Capital for Hardware.· lending
The stack
5 layers disclosed in Vagaro’s embedded-finance stack
Payments / PSP
Vagaro Payments (self-operated)
Lending
in the full report
Payroll
in the full report
Open banking
in the full report
Accounting
in the full report
Accounting gap: minor
7 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Vagaro — frequently asked

Who is Vagaro's payment processor?

Vagaro processes payments through Vagaro Payments (self-operated).

Who provides Vagaro's lending?

Vagaro's lending and capital products are provided by Liberis.

Which open banking provider does Vagaro use?

Vagaro connects to bank accounts through Plaid.

Which payroll provider does Vagaro use?

Vagaro's payroll is powered by Gusto Embedded.

Which accounting software does Vagaro integrate with?

Vagaro integrates with QuickBooks Online and Xero.

What is Vagaro's embedded finance stack?

The Embedded Finance Index 2026 maps 5 layers in Vagaro's stack: Payments / PSP (Vagaro Payments (self-operated)); Lending (Liberis, Vagaro Capital (revenue-based finance, $1,000–$500,000) and Capital for Hardware (BNPL via Pay with Liberis)); Payroll (Gusto Embedded); Open banking (Plaid); Accounting (QuickBooks Online and Xero).

Where is Vagaro headquartered?

Vagaro is headquartered in Pleasanton, CA (previously listed as Dublin, CA).

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