PSPs of the Future:
Beyond Acquiring to an All-in-One Financial Platform.
Whitepaper produced by ACI Worldwide & Paynetics.
Paynetics and ACI Worldwide have joined forces to redefine what is possible for Payment Service Providers (PSPs). Building on a successful long-term partnership, the two companies have co-authored this whitepaper to explore how PSPs can evolve from basic payment processing to become holistic financial platforms. This strategic collaboration brings together Paynetics’ dual-regulated embedded finance capabilities — spanning instant issuing, multi-currency IBANs, and full payment rail access — with ACI’s powerful global payment orchestration and eCommerce infrastructure. By uniting regulatory strength, technical flexibility, and global scale, we empower PSPs to deepen merchant relationships, unlock new revenue streams, and accelerate their journey beyond acquiring.
Executive Summary
Payment Service Providers (PSPs) are undergoing a fundamental shift. As traditional acquiring becomes increasingly commoditized, margins shrink and differentiation fades.
Today’s merchants — especially SMBs — demand more than simple card acceptance; they want integrated financial services that help them run, grow, and future-proof their businesses. In response, leading PSPs are embracing embedded finance to deliver services like banking, lending, and insurance directly within their platforms. This evolution marks the rise of the all-in-one PSP: a strategic partner offering not just payments, but a complete financial ecosystem.
In this whitepaper, Paynetics and ACI Worldwide explore what it takes for PSPs to thrive in this new landscape and unlock sustainable growth through value-added services.
You can download the full report by filling in the form below.
