The Payments Playbook Presented by Payroc- Jan. '25

Welcome to The Payments Playbook, your ultimate play-by-play on the payments industry, brought to you by Payroc! Whether you're looking to score big with industry news, learn new plays for payments pros, or break down the latest innovations from our all-star partners, we've got it all in this huddle.

Think of us as your coach, guiding you through everything from game-changing insights to fresh plays in our product lineup. Each edition will help you stay ahead of the competition, learn from industry MVPs, and draft winning strategies for your business.

Let's hit the ground running!

Looking Ahead in 2025, How Are Payments Players Staying Relevant With New Market Challenges?

The payments industry operates on a foundational principle: it must function without disruption, 24/7. This complex ecosystem comprises millions of lines of code, skilled professionals, and vast networks of data servers. Central to this infrastructure are three core segments:

1. Merchant acquirers
2. Payment gateways
3. Point-of-sale systems

These pillars face constant technological evolution, competition, and cultural shifts, requiring regular assessments to deliver faster, safer, and more integrated payment experiences. PYMNTS recently inspected the emerging trends and demands for each segment and what each needs to know to stay ahead!

Trends Shaping the Payments Landscape

Providers must cater to three key stakeholders: innovative software companies, efficiency-driven merchants, and convenience-focused consumers. Balancing these needs with agile technology is vital.

Merchant Acquirers: Adapting to Change

Merchant acquirers connect merchants to the financial ecosystem. They are expanding beyond traditional processing by embracing:

• Diversified Payment Methods: Options like QR codes, digital wallets, Buy Now, Pay Later (BNPL), and cryptocurrencies are reshaping consumer behavior. For instance, Brazil’s Pix system is popular among younger users, and Stripe’s Payment Element boosts revenue by 10.5% on average.
• Embedded Payments: Integrating with platforms like inventory and scheduling systems reduces merchant attrition and increases payment volumes.
• Fraud Mitigation: AI-driven tools, tokenization, and 3D Secure protocols enhance security. Visa’s $10 billion investment into cybersecurity over the last 5 years underscores this priority.

Payment Gateways: Beyond Transactions

Payment gateways route transactions securely while offering:

• Developer-Friendly APIs: Open developer centers simplify integrations, enhancing reliability and scalability.
• Flexible Infrastructure: Support for cross-border payments, real-time processing, and automated onboarding meets diverse merchant needs.

Point-of-Sale Systems: A Hub for Business Management

Modern POS systems have evolved into comprehensive business tools, offering:

• Innovative Form Factors: Handheld devices and AI-powered kiosks cater to specific needs, like Sam’s Club’s “scan & go” app boosting satisfaction.
• Rich Feature Sets: AI-driven insights and vertical-specific tools optimize operations, such as reservation systems in salon-focused POS solutions.
• In-House Relationships: Payment facilitation models enhance control and integration with merchant operations.

The Path Forward

The future of payments lies in creating integrated solutions that address the full spectrum of merchant and consumer needs. Success will hinge on agility, robust fraud protection, easy software integration, and support for diverse payment methods. As payments evolve from a transactional utility to a comprehensive service, the most innovative providers will define the next chapter of commerce by fostering effortless, sticky, and scalable solutions.

For a deeper dive into the evolving payments ecosystem, read the full article HERE!

Other power plays within payments you should know:

Payments Industry Predictions for 2025

Digital Wallets Go Global, but Local Nuances Remain

Five Digital Tools Changing the Way Money Moves

How to Unlock the Future of Payments with Ingenico’s AXIUM

The Ingenico AXIUM line offers a cutting-edge solution that bridges innovation and practicality. By leveraging the robust Android platform, Ingenico AXIUM redefines what merchants can achieve at the point of sale.

Ingenico AXIUM devices combine sleek, space-saving designs with unparalleled functionality. With Android 10 integration, these smart POS systems offer an intuitive user experience that feels natural and modern. Beyond hardware, the AXIUM platform supports an ecosystem of secure applications, scalable tools, and frictionless cloud connectivity, empowering businesses to unlock new revenue streams and streamline operations.

For developers and merchants, the open architecture of Android is a game-changer. Independent software vendors (ISVs) can create industry-specific applications while maintaining flexibility and security. Ingenico AXIUM takes this further, integrating features like real-time analytics, customer engagement tools, and robust security measures like point-to-point encryption.

In addition, Payroc complements the AXIUM ecosystem with its innovative Payroc Cloud solution. This low-code, cloud-based platform accelerates software deployment, enhances transaction security, and supports omnichannel payment capabilities. Whether managing fleets of terminals or enabling on-demand upgrades, Payroc Cloud ensures merchants and software providers stay competitive in an ever-changing landscape.

Ingenico AXIUM isn't just about transactions; it's about creating fully integrated, adaptable commerce experiences. From hospitality to retail, businesses of all sizes can harness its potential to enhance customer loyalty, simplify operations, and future-proof their payment strategies.

Ready to discover the full potential of Ingenico AXIUM? Download the full whitepaper today to explore how these solutions can transform your business. Don't just keep up with the pace of payments- lead the way.

How to Transition Your ISO Into a TISO

Whether you are an individual sales professional or an Independent Sales Organization (ISO), you must embrace technology to stay competitive. Technical ISOs (TISOs) are transforming the landscape by integrating advanced tech solutions, driving merchant satisfaction, scalability, and operational efficiency. Here’s why you should consider becoming a technology-driven ISO.

The TISO Advantage

• Enhanced Merchant Satisfaction: Quick and intuitive onboarding, efficient processing, and robust reporting tools elevate the merchant experience.
• Improved Scalability: TISOs can support high-growth sectors like e-commerce and unattended retail.
• Data-Driven Insights: Sophisticated analytics optimize operations and future-proof business strategies.

By transitioning to a TISO, ISOs can drive merchant satisfaction, scalability, and operational efficiency.

Trends Shaping the TISO Landscape

Key innovations include digital wallet adoption, Payments as a Service (PaaS), and unattended payment systems like self-serve kiosks and EV charging. Staying ahead of these trends ensures relevance in the market.

Start Your TISO Journey

• Evaluate Your Tech Stack: Identify gaps and upgrade strategically.
• Partner Wisely: Choose providers offering easy integration, comprehensive analytics, and efficient onboarding.
• Plan for Growth: Align your technology investments with long-term goals.

Are you curious about the next steps you need to take to elevate your payment services? Read more details now!

As an #ISV, having straightforward tools to grow your business and better support your clients is key. That’s where the Payroc Referral Portal can make a difference!

What is the Payroc Referral Portal? It’s a must-have resource for ISV partners seeking an easy way to grow their business and earn residual income. With this powerful tool, you can:

• Submit client leads in seconds.
• Track progress with real-time updates.
• Enjoy complete transparency every step of the way.

And now you can add attachments to your lead submissions! Include statements, notes, or any helpful documents to make your referrals even more effective. Focus on scaling your platform while we handle payments for your clients—and unlock a hands-off way to generate ongoing income as your clients process payments. Ready to simplify your process and grow your business??See the referral portal in action!

In this month’s Payments Playbook presented by Payroc, we’re putting the Human in Human Resources with a playlist curated by our incredible HR team!

This short mix features familiar classics and new favorites that might just recruit a spot in your playlist rotation. From tracks that help you stay compliant with deadlines to melodies that remind you to take a well-deserved break, HR has your back and your ears covered.

Think of it as your employee engagement benefit in musical form. So, give it a spin and let these tunes help you power through your to-do list with a little extra rhythm in your step!

Ready to Roc out? Let's go!

See you in the next edition!