Process globally with your own branded, multi-acquirer platform
In April 2020, right after a once-in-a-century earthquake roiled Croatia, Field39 was born. The founders wanted to shake up cross-border commerce with a technology suite and knowledge base where people could learn about the technologies that power financial transactions.
Josip Povreslo, founder and CEO and Goran Bosankic, co-founder and CRO, used their decades of experience in embedded payments and infrastructure design to build a next-generation commerce platform that places each client at the center of the experience.
Bosankic pointed out that Field39 solutions are tailored to individual client requirements, stating, "We empower clients to take control while we do the heavy lifting," he said, adding that Field39 acts in a consultative role to deliver the following benefits to each client:
- No more vendor lock-ins: Eliminate vendor lock-in situations for PSPs, ISOs and retailers with a pure play, white-label, PCI DSS-compliant tech stack for payments.
- Device and acquirer agnostic: Provide software solutions that are broadly compatible with multiple manufacturers and acquirers.
- Faster time-to-market: Complete projects in weeks, not months or years, while catering to each client's unique requirements.
- Real-time data access: Place the client in the driver's seat with advanced data analytics, transaction histories and trend analysis.
- Agile plug-and-play solutions: Lower costs and improve margins with simple, API-based technologies that do not touch clients' margins or basis-point revenues.
Global expansion
Reflecting on Field39's exponential growth, Bosankic mentioned several significant milestones, which included pivoting to a software-as-a-service (SaaS) offering, achieving Payment Card Industry Data Security Standard (PCI DSS) compliance in 2024, and forging partnerships with manufacturers and payment technology providers. Looking ahead to 2026 and beyond, Bosankic affirmed that Field39 is well positioned for continued growth and new partnerships as it expands into more challenging markets in the European Union and United States, where the company's legacy experience and know-how can help introduce its game-changing business models, which he described as follows:
"Our primary products are Switch39, payment gateway and multi-acquiring switching solution for in-store and ecommerce payments, and Cashless39 end-to-end closed loop solution for events, gaming and retail gift cards/loyalty wallets, all available in subscription service models," he said.
One-to-many benefits
Bosankic went on to say that Field39's core value proposition is letting payment businesses build or expand their payment capabilities without the engineering overhead, revenue sharing or vendor lock-in that typically comes with most payment platform relationships.
Following are examples Bosankic provided of how these benefits extend across the entire commerce value chain:
For ISOs:
- Own your payment infrastructure: Keep the margins, and support small and midsize merchants with additional features like custom reporting in real time, receipt handling, least-cost routing (LCR), alternative payments, and API integrations with little or no cost.
- Multi-acquirer routing: Connect to multiple processors through a single integration, intelligently routing transactions based on cost, authorization rates or processor availability without rebuilding your tech stack each time you add a new acquirer relationship.
- White-label capability: Present consistent branding to merchants with your colors and logo displayed on APIs, dashboards and documentation. Field39 stays invisible.
- Faster merchant onboarding: Pre-built acquirer integrations, including Shift4, Worldline and others, enable you to activate new processor relationships in weeks rather than months of development.
For merchant level salespeople (MLSs):
- Broader merchant addressability: Sell to verticals that require specialized payment handling, such as unattended retail, EV charging, parking and fleet, without worrying whether your backend can support the use case. Provide real-time payments data to help merchants manage cash flow.
- Processor flexibility as a selling point: Give merchants the freedom to switch acquirers or add backup processors with Switch39 behind your offering. Deliver these options without custom development and set up true low-cost routing out of the box.
- Faster deal cycles:Close deals faster and get customers activated in days without having to worry about technical integrations that once took as long as six months to complete.
For payment enterprises (PSPs, acquirers, large merchants):
- PCI DSS Level 1 certified infrastructure: Reduce compliance burden by keeping sensitive data out of merchants' scope.
- High-volume stability: Manage card-present and card-not-present transactions at scale with this platform's proven deployments processing hundreds of thousands of daily transactions.
- Terminal agnostic: Support existing hardware (PAX, Ingenico, Castles, etc.) configurations through protocol conversion, and avoid the hassle of forced hardware replacement.
- Acquirer agnostic: Integrate your preferred acquirer(s) seamlessly and in no time.
- Unified reporting across acquirers: Use your portal's real-time, single-access enterprise view to consolidate transaction data, reconcile accounts and monitor multiple processors' operations.
- Customized deployments: Leverage multi-acquiring setup for specific verticals or card types.
Get ready for multi-acquiring
Having seen the popularity of multi-acquiring in Europe, Bosankic believes that Field39 can offer U.S. payment providers the same freedom, benefits and ease of use.
"We truly believe that the U.S. payment market is shifting to the new business model of freedom and multi-acquiring," he said, noting that Field39 has a proven offering that other markets have embraced. "As merchants continue to demand more and more real-time data and customization," he added, "owning this piece of payments infrastructure will help you stay on top of the game." 
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