The Visa Consulting & Analytics paper explores how merchant acquiring is shifting amid commoditization, consolidation, and digital disruption. Six forces are reshaping the market: price-driven commoditization, e-commerce growth, disruptive technologies, value-added services (VAS), new fintech entrants, and regulation. Traditional acquirers are responding by rethinking business models, specializing in omnichannel and online payments, innovating face-to-face solutions like SmartPOS and SoftPOS, and maximizing VAS such as CRM, inventory, and financing. For banks, the future lies in differentiation through digital capabilities, robust VAS portfolios, and monetizing new data flows to serve SMEs profitably.

Join for free to read