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Empowering ISVs with End-to-End Payment Solutions: A Guide to Enhanced Merchant Experiences

In the rapidly evolving world of payments, independent software vendors (ISVs) are emerging as key players, bridging the gap between software solutions and seamless payment processing. By offering integrated payment solutions, ISVs can not only extend their value proposition to merchants but also unlock new revenue streams and enhance customer satisfaction.

The ISV Advantage: Unleashing Growth with Integrated Payment Solutions

The world of payments is rapidly evolving, and independent software vendors (ISVs) are emerging as key players. ISVs are bridging the gap between software solutions and seamless payment processing, offering integrated payment solutions that extend their value proposition to merchants, unlock new revenue streams, and enhance customer satisfaction.

ISVs play a pivotal role in the digital transformation journey of businesses, providing them with the tools and infrastructure to streamline operations and enhance customer engagement. However, when it comes to payment processing, ISVs often face the challenge of integrating disparate systems and managing complex compliance requirements.

End-to-end payment solutions offer a solution to these challenges, enabling ISVs to provide merchants with a unified software and payments experience. By embedding payment functionalities into their software offerings, ISVs can streamline the payment process, reduce friction for merchants, and ultimately deliver a seamless experience for their customers.

The benefits of integrated payment solutions for ISVs extend beyond enhanced customer experiences. By offering a complete payments package, ISVs can command higher margins, attract new merchants, and establish themselves as comprehensive solution providers.

The Changing Dynamics of the Payments Industry

The rise of ISVs in the payments landscape signals a shift in power dynamics. ISVs are gaining increasing control over merchant acquisition and payment processing, posing a significant challenge to banks' ability to sell directly to small and medium-sized businesses (SMBs). According to a report by Flagship Consulting, ISVs are now taking between 40% and 65% of new merchants signed up in the US, and Bain estimates that 90% of today’s payment revenue could migrate to software vendors and other contenders.

This power shift is driven by several factors, including the rise of cloud-based software, the growing demand for omni-channel payments, and the increasing complexity of payment regulations. ISVs are well-positioned to meet these demands by offering comprehensive cloud-based payment solutions that handle transactions across various channels, from in-person to online to mobile.

Unlocking the Power of Payments for ISVs

Surfboard Payments offers a comprehensive suite of payment solutions specifically designed to empower ISVs and enhance merchant experiences. Our solutions encompass:

  • Hardware terminals: A range of secure and user-friendly payment terminals for in-person transactions.
  • SoftPOS solutions: Mobile-based payment solutions that transform smartphones and NFC-enabled tablets into payment acceptance devices.
  • Online payment gateway integrations: Seamless integrations with popular online payment gateways to facilitate secure e-commerce transactions.

Our commitment to ISVs extends beyond providing innovative payment solutions. We offer a comprehensive onboarding process that simplifies the integration of our solutions, ensuring a smooth and hassle-free experience for ISVs and their merchants, as well as next-day delivery for all of our hardware solutions from our 3PL warehouse in Uppsala, Sweden.

Case Studies: Success Stories of Our Partners

Numerous merchants have transformed their payment processes and achieved remarkable results through the adoption of end-to-end payment solutions provided by ISVs.

These success stories demonstrate the transformative power of integrated payment solutions for merchants and the key role played by ISVs in facilitating their adoption.

Empowering ISVs, Enhancing Merchant Experiences: The Future of Payments

The future of payments holds immense opportunities for ISVs. As the digital economy continues to expand, the demand for integrated payment solutions will only grow stronger. ISVs that embrace innovation and partner with reliable payment solution providers will be well-positioned to capitalize on this trend.

Emerging trends in the payments industry, such as real-time payments, embedded finance, and data-driven solutions, present exciting opportunities for ISVs to create next-generation payment experiences. By leveraging these trends, ISVs can further enhance their value proposition and establish themselves as leaders in the payments revolution.


In conclusion, the role of ISVs in the payments landscape is becoming increasingly significant. By offering end-to-end payment solutions, ISVs can empower merchants, enhance customer experiences, and unlock new revenue streams. Our company is committed to providing ISVs with the tools and support they need to succeed in this dynamic and evolving market.

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Checkout our products

Take a look at our products which includes both hardware-, and software-based payment solutions


Hardware terminal

Our all-in-one handheld smart terminal device with scanner. Possible to mount in the countertop with a charger stand


Hardware terminal

Our all-in-one handheld smart terminal device with scanner and printer. Good fit for restaurants, cafés, and bars


Hardware terminal

With a physical keypad. Perfect as a card terminal replacement, or paired with a customer-facing tablet screen


Hardware terminal

Our unattended payment terminal is designed to seamlessly integrate EV chargers, vending machines, public transport, and beyond.


Payment application

Our SoftPOS solution is for any Android smartphone, with no extra hardware needed. Can also be used as backup


Payment application

The customer-facing screen for multiple payment methods, loyalty, and campaigns. To be accompanied by the SurfPad


Online Payments

Pre-built checkout page through link or SDK for your webshop or app