Strateška integracija plačilne orkestracije za programske platforme za povečanje tokov prihodkov

Strateška integracija plačilne orkestracije za programske platforme za povečanje tokov prihodkov

Časovni žig: 25. januar 2024 4
Izvorno vozlišče: 3084732

V dinamičnem okolju sodobnega poslovanja je ključ do uspeha v prilagodljivosti programskih rešitev. Naraščajoče povpraševanje po integriranih plačilnih funkcijah predstavlja donosno priložnost za podjetja, ki se ukvarjajo s programsko opremo, da utrejo pot večji dobičkonosnosti. 

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. 

Skriti dragulj – sprostitev potenciala z orkestracijo plačil 

Orkestracija plačil se je prikradla pod radar kot način številka ena za podjetja, da povečajo svoje prihodke z optimizacijo svojih plačilnih procesov.

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.

To rešuje izziv, s katerim se večina podjetij srečuje, ko izboljšujejo svoj plačilni proces, tehnični dolg. Podjetja, ki uporabljajo dva do tri plačilne prehode, povečajo svoje režijske stroške, ker morajo najeti specializirano skupino fintech razvijalcev.

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.

In velik dejavnik pri vsem tem je, da so podjetja zaščitena tudi z vgrajenim samodejnim preklopom in redundanco – kjer so neuspele transakcije preusmerjene v rezervne banke.

V ozadju odločitve: zakaj programske platforme prodajajo plačila

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.

Sodelovanje s strokovnim partnerjem = izboljšani rezultati 

Za programske platforme, da izkoristijo te donosne prednosti, lahko uberejo dve poti: sami postanejo ponudniki plačilnih storitev (PSP) ali sodelujejo z globalno platformo za orkestracijo plačil.

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.

Želite ponuditi SEPA svojim strankam samo v Nemčiji? Končano. Imate raje strožja pravila o goljufijah pri novi posodobitvi programske opreme v Franciji? Platforma za orkestracijo plačil lahko to uresniči. Želite samo vgraditi plačila v svoj obstoječi trg, preden se razširite? Brez težav.

Ta vrsta prilagodljivosti je privedla do tega, da se je 89 % vodij programske opreme odločilo za sodelovanje s strokovnjakom za plačila, namesto da bi postali registrirani posrednik plačil ali PSP.

Krmarjenje po donosnosti naložbe: ne gre samo za zmanjševanje stroškov

Naložbe v nove tehnologije se pogosto dojemajo kot velik strošek za podjetja. Vendar pa resnična donosnost naložbe (ROI) presega zgolj zniževanje stroškov. 

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. 

Orkestracija plačil ustreza vsem. Vzpon programskih platform, specifičnih za sektor, poudarja, zakaj se tako uveljavljeni subjekti kot novinci obračajo na plačilno orkestracijo kot strateško sredstvo za ohranjanje konkurenčnosti, hkrati pa v prednosti.

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