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Is the Big Winner by pymnts February , For decades, payment infrastructure has largely been. Controlled by major financial institutions and legacy processors, customization flexibility is limited. However, open banking, cloud computing and API-first developments have changed this. There are payment platforms. Now with an API-first product and developer-friendly architecture, it empowers independent software vendors (ISVs) to build custom payment experiences on top of their infrastructure. “Payments have eaten into software,” says Director Bryan Long. Northern product management personnel said in an interview with pymnts.

"Anything you can think of, there's an app belgium whatsapp number data for it, and there's payment functionality embedded in that app... In the last few years, because of embedded payments." The continued growth of API-driven payments is changing the competitive dynamics. Traditional payment processors must. Now compete with fintech startups that prioritize developer-friendly integrations. “There is a lot of technology to support innovation.” Long said. “Anyone with a good idea can now do so through .

Spend the weekend with AI-powered no-code tools. "By exposing modular components of the payments stack - e.g. merchant onboarding, transaction processing, fraud detection and reconciliation - payments providers are helping developers... create seamless integrations that fit specific business models. From embedded checkout experiences to subscription billing. Like marketplace payments, APIs allow ISVs to innovate without having to build core payments functionality from scratch. The evolution of ISVs and payments ISVs have undergone a transformation in the payments space over the past few decades," Long said.