Strategisk integration af betalingsorkestrering for softwareplatforme for at maksimere indtægtsstrømmene

Strategisk integration af betalingsorkestrering for softwareplatforme for at maksimere indtægtsstrømmene

Tidsstempel: 25. januar 2024 kl. 4
Kildeknude: 3084732

I moderne virksomheders dynamiske miljø ligger nøglen til succes i softwareløsningernes tilpasningsevne. Den stigende efterspørgsel efter integrerede betalingsfunktioner udgør en lukrativ mulighed for softwarevirksomheder til at bane vejen for øget rentabilitet. 

However, becoming a Payment Service Provider (PSP) requires navigating complex financial regulations and undergoing a comprehensive overhaul of business processes. The process is not only prolonged and financially demanding but also subjects software platforms
to the same rigorous scrutiny as banks.  

Payment orchestration – a cutting edge technology – allows software platforms to activate and deactivate different payment functions on demand. This includes tailor-made adjustments by country, product, issuer, and beyond. This provides a strategic advantage
for software platforms and circumvents the high costs associated with maintaining multiple payment integrations. 

Den skjulte perle – Frigør potentiale gennem betalingsorkestrering 

Betalingsorganisering har sneget sig ind under radaren som den bedste måde for virksomheder at øge deres omsætning ved at optimere deres betalingsprocesser.

To put this simply, picture an orchestra. Much like the many musicians playing a specific instrument, each company will have a payment provider carrying out different parts of the payment process. The same way a conductor brings an orchestra together, a
payment orchestration platform consolidates all the payment use cases, capabilities and geographies into a single platform.

Dette løser en udfordring, de fleste virksomheder står over for, når de udjævner deres betalingsproces, teknisk gæld. Virksomheder, der bruger to til tre betalingsgateways, øger deres faste omkostninger ved at skulle hyre et specialiseret team af fintech-udviklere.

By consolidating all the payment needs under one hood, businesses have more control over their payment stack. They also have the flexibility to customise their payments process to reduce inefficiencies. By routing transactions through a global network of
banks, businesses can drive down cross-border fees, foreign exchange rates and increase authorisation rates.

Og en stor faktor i alt dette er, at virksomheder også er beskyttet af indbygget failover og redundans – hvor fejlede transaktioner omdirigeres til backup-banker.

Bag beslutningen: Hvorfor softwareplatforme sælger betalinger

Nearly half of software platforms (48%) are outperforming their rivals by turning to one of the use cases of payment orchestration – embedded payments. This is where non-financial companies like software platforms integrate and embed payments into their
product. And the trend has exploded in popularity for two reasons: demand and diversification.

Since businesses are becoming increasingly married to their software, there’s a demand for everything from CRM to payments to happen under one hood. It’s why we’ve seen SaaS platforms like Toast and Shopify see the success they have. Businesses using these
platforms don’t need to switch between different platforms or start a whole new business implementation – that ease of use and integrated data is what’s driving this tipping point.

For software platforms themselves, it’s about the diversification element. With the software industry becoming crowded, many are using payments as a way to diversify from subscription fees and add-on services. Rather than solely generating revenue from software
subscriptions, these platforms now monetize each transaction – earning a slice of every payment facilitated through their software.

There’s a very tangible Return on Investment (ROI) too. SaaS firms can see up to a 5x increase in value per client by embedding payments into their core product. This is why platforms like Shopify have seen tremendous growth. By embedding payments they’re
able to create mutual incentive for them and the businesses they serve – shared profit. This is a win-win as customer businesses can drive a higher volume of transactions, and improve loyalty, while their end users benefit from a seamless payment experience.

Samarbejde med specialistpartner = Forbedrede resultater 

For at softwareplatforme kan udnytte disse lukrative fordele, er der to veje, de kan tage: selv blive betalingstjenesteudbyder (PSP) eller partner med en global betalingsorchestreringsplatform.

It’s a lengthy and costly process to become a PSP, with over half of platforms citing that it took them longer than a year. Not only this, but there’s a higher risk of technical debt if you’re a global platform, and need massive compliance requirements to
help with underwriting and risk processes.

Since payment orchestration reduces the strain on resources and financial risk, forward-thinking firms prefer to turn to the experts. And, because it’s not a “one size fits all” approach, software companies can tailor their payments infrastructure to their
business – depending on their global markets, product, issuer and more.

Vil du tilbyde SEPA til dine kunder i kun Tyskland? Færdig. Foretrækker du strengere svindelregler på din nye softwareopdatering i Frankrig? En betalingsorkestreringsplatform kan få det til at ske. Kunne du tænke dig at integrere betalinger i dit eksisterende marked, før du udvider? Intet problem.

Det er denne form for fleksibilitet, der har fået 89 % af softwareledere til at vælge at arbejde med en betalingsekspert i stedet for at blive en registreret betalingsfacilitator eller PSP.

Navigering af ROI: Det handler ikke kun om at trimme udgifterne

Investering i ny teknologi opfattes ofte som en betydelig udgift for virksomheder. Men ægte investeringsafkast (ROI) strækker sig ud over blotte omkostningsbesparelser. 

When evaluating the shift from old technology to new, it’s crucial for businesses to assess whether it enhances operational efficiency, opens up new or improves existing revenue streams, and aids compliance with evolving regulations. These factors are pivotal
in determining whether a new technology investment will yield a positive ROI. 

Betalingsorkestrering sætter kryds i alle felter. Fremkomsten af ​​sektorspecifikke softwareplatforme understreger, hvorfor både etablerede enheder og nytilkomne henvender sig til betalingsorkestrering som et strategisk middel til at forblive konkurrencedygtig og samtidig være på forkant med kurven.

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