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• Faster deal cycles: Close deals faster and get cus-
Understanding the multi-acquiring model tomers activated in days without having to worry
about technical integrations that once took as long
In a traditional acquiring model, a payment busi- as six months to complete.
ness typically connects to a single acquiring bank For payment enterprises (PSPs, acquirers, large mer-
or processor and builds its technology, pricing chants):
and merchant relationships around that connec-
tion. Adding another acquirer later often requires • PCI DSS Level 1 certified infrastructure: Reduce
new integrations, duplicated compliance work and compliance burden by keeping sensitive data out
significant development time. As a result, proces- of merchants' scope.
sor choice tends to be sticky, and switching, or
even adding redundancy, can be costly and slow. • High-volume stability: Manage card-present and
card-not-present transactions at scale with this
A multi-acquiring model takes a different ap- platform's proven deployments processing hun-
proach. Instead of binding infrastructure to one dreds of thousands of daily transactions.
acquirer, it separates the payment platform from
the acquiring relationship itself. Transactions • Terminal agnostic: Support existing hardware
can be routed across multiple acquirers through (PAX, Ingenico, Castles, etc.) configurations
a single integration, based on factors such as through protocol conversion, and avoid the hassle
cost, authorization performance, availability or of forced hardware replacement.
geography. This creates a more flexible founda- • Acquirer agnostic: Integrate your preferred
tion, where acquirers become interchangeable acquirer(s) seamlessly and in no time.
components rather than fixed dependencies.
• Unified reporting across acquirers: Use your
The distinction matters because it changes how portal's real-time, single-access enterprise view to
control is distributed. In traditional models, control consolidate transaction data, reconcile accounts
often sits upstream with the processor. In multi- and monitor multiple processors' operations.
acquiring environments, control shifts toward the
payment business or merchant, enabling faster • Customized deployments: Leverage multi-ac-
adaptation to pricing changes, outages, regula- quiring setup for specific verticals or card types.
tory requirements or expansion into new markets.
The result is an architecture designed for choice Get ready for multi-acquiring
and resilience, rather than long-term lock-in. Having seen the popularity of multi-acquiring in Europe,
Bosankic believes that Field39 can offer U.S. payment
• White-label capability: Present consistent brand- providers the same freedom, benefits and ease of use.
ing to merchants with your colors and logo dis-
played on APIs, dashboards and documentation. "We truly believe that the U.S. payment market is
Field39 stays invisible. shifting to the new business model of freedom and multi-
acquiring," he said, noting that Field39 has a proven
• Faster merchant onboarding: Pre-built acquirer offering that other markets have embraced. "As merchants
integrations, including Shift4, Worldline and oth- continue to demand more and more real-time data and
ers, enable you to activate new processor relation- customization," he added, "owning this piece of payments
ships in weeks rather than months of develop- infrastructure will help you stay on top of the game."
ment.
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 pay-
ments data to help merchants manage cash flow.
• Processor flexibility as a selling point: Give mer-
chants the freedom to switch acquirers or add
backup processors with Switch39 behind your of-
fering. Deliver these options without custom de-
velopment and set up true low-cost routing out of
the box.

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