The expert has more than 5 years of experience in the PSP (Payment Service Providers) market. As part of his roles with different payment service providers, the expert was responsible for developing strategic partnerships with global merchants in several verticals (F&B, E-commerce, Retail etc). The expert is knowledgeable about the positioning of the different PSP players (i.e Adyen, Stripe, Checkout.com), their pricing strategies and relative competitive advantages.
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The instore traffic, naturally, has a lower take rate, given the lower margins on instore transactions. I think those two trends, and seeing where Adyen is moving to with the unified commerce, I would say this kind of downward trend on the take rate might continue.
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It’s really about volume there and tying those instore volumes together with the online volumes so that those take rates, instore, are really significantly lower. It is hard to put a number on it, but maybe 30% to 40% lower than what you can ask for for online transactions
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I don’t think they would really fall below the floor of some of those legacy players that are out there. In the end, they still add a ton more of value – at least that’s what they tell every merchant they speak with – than what the Fiservs and other players in the space do. They are still pretty unique, given the fact that, in terms of innovation, their rate of innovation and speed to market will always outpace a lot of the competitors. That is value to the merchant, that they can still factor that into their pricing and that, ultimately, it should lead to a higher take rate than those competitors.
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The expert has more than 5 years of experience in the PSP (Payment Service Providers) market. As part of his roles with different payment service providers, the expert was responsible for developing strategic partnerships with global merchants in several verticals (F&B, E-commerce, Retail etc). The expert is knowledgeable about the positioning of the different PSP players (i.e Adyen, Stripe, Checkout.com), their pricing strategies and relative competitive advantages.
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