Verticals

Built for the platforms that serve Main Street.

Embedded treasury isn't a generic feature. The payment flows for a gym management platform — instructor ACH payouts, membership billing cycles — are structurally different from those of a field services SaaS routing job completion payments to dozens of independent contractors. We built the KYB logic, virtual account structure, and rail defaults for each vertical specifically.

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5 vertical markets supported
B2B2B platform-first model
KYB tuned for SMB onboarding
Rev share aligned incentives model

Supported Verticals

Choose your vertical — we've done the infrastructure work already.

Fitness & Wellness

Gym and studio management platforms handle instructor payouts, membership billing, and class package redemption. Our ACH and RTP rails make instructor disbursements instant.

Explore Fitness & Wellness →

Home Services

HVAC, lawn care, and plumbing platforms need fast job completion payouts to contractors. Our RTP rail sends money the moment a job is marked complete.

Explore Home Services →

Beauty & Salon

Nail salon and spa platforms manage tip pooling, product inventory purchasing, and staff compensation across multiple locations. Virtual accounts per location, unified FBO pool.

Explore Beauty & Salon →

Veterinary & Pet Care

Veterinary clinic management platforms handle deposit holds for procedures, payment plan management, and multi-provider billing reconciliation.

Explore Veterinary & Pet Care →

Field Services

Landscaping, electrical, and trades contractor platforms need real-time payment visibility across dozens of active jobs. RTP for instant settlements, ACH for payroll runs.

Explore Field Services →

Why Now

Treasury is the highest-margin feature a vertical SaaS can add.

A vertical SaaS platform charging $99/month for software may charge $299/month once it holds the business's bank account, runs ACH payroll, and issues instant contractor payouts. The economics are well-documented across the BaaS category. The infrastructure barrier — FBO account negotiations, KYB program design, sub-ledger architecture, NACHA originator compliance — has historically been the obstacle. That's the problem Mainstreetspine solves.

  • Revenue per platform increases with payment volume, not seat count
  • SMBs consolidate banking into their management software when given the option
  • Churn drops significantly when a platform holds the business's bank account
  • Real-time payment data creates new cross-sell opportunities

Revenue Model

How the revenue share model works.

Your platform earns on every transaction.

Mainstreetspine takes a small basis-point fee on transaction volume — 15 bps on Launch, 10 bps on Growth — routed through our rails. Your platform participates in the remaining interchange and network revenue. As your platform's GMV grows, so does your treasury revenue line, with no additional engineering effort. A platform processing $2M/month in ACH and RTP volume generates material recurring revenue from treasury alone.

TierPlatform FeeRev ShareVolume Cap
Launch$0/mo0.15%$500K/mo
Growth$499/mo0.10%$5M/mo
ScaleCustomNegotiatedUnlimited

Don't see your vertical?

We're expanding to new verticals. If you're building a SaaS platform for a Main Street business category not listed here, reach out — we'd like to hear about your payment flow requirements.

Talk to the Team