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Insights and Expertise

Implementation considerations Partnerships and collaboration

Owning or using in SaaS mode a payment gateway can ISOs can explore partnerships with technology companies
require a substantial upfront investment compared to provide their infrastructure. Collaborations can
to paying a white-label provider, including costs for provide the necessary technical expertise and resources
technology, customized development and ongoing while allowing ISOs to retain control over their payment
maintenance. solutions.

However, the potential return on investment and long- While relying on third-party payment provider solutions
term savings from reduced dependency on third-party, offers convenience, it comes with risks that can impact
white-label providers and increased competitiveness an ISO's ability to provide secure, reliable services. By
leading to increased revenue can offset these initial investing in their own payment infrastructure, ISOs can
expenses quickly. gain greater control, enhance data security, introduce new
features more flexibly and improve service reliability.
An additional aspect in favor of using third-party, white-
label services is usually the burden of technical expertise For ISOs looking to secure their future and offer
and resources needed to build and maintain a payment better services to merchants, owning their payment
infrastructure. This includes hiring skilled developers, infrastructure is a strategic move worth considering.
ensuring robust cybersecurity measures and staying
compliant with industry standards.
Goran Bosankić is CRO and a board member of Field39, which aims to
But this does not have to be the case. ISO can have their set new standards in payment processing by offering secure, robust tech-
partner provide both technology and expertise, while nology and a user-centric platform that drives efficiency and growth for
keeping control and enjoying all the benefits of the in- businesses of all sizes. Contact Goran at goran@field39.com. Visa and
house approach—without the costs and operational Mastercard landmark settlement
overhead.

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