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What is a Full-Service PSP? All-in-One Payment Partner Details

Blog post from Basis Theory

Post Details
Company
Date Published
Author
Basis Theory
Word Count
1,152
Company Posts That Month
7
Language
English
Hacker News Points
-
Post removed?
No
Summary

Full-service payment service providers combine gateways, processing, security, currency conversion, and alternative payment options into a fast, simple onboarding experience that appeals to new merchants seeking predictable fees and minimal payments expertise. As businesses scale, however, these providers may become costly and restrictive, with flat-rate pricing that can obscure lower underlying debit-card fees, conversion-rate markups, and additional charges for methods such as buy-now-pay-later. Merchants may also lose control over stored customer payment data, face dependence on a provider’s merchant account and risk policies, and encounter limits on supported products or industries. An alternative approach is a multi-PSP strategy supported by an independent, programmable payment-data vault, allowing merchants to retain greater data portability, use specialized providers across regions or risk categories, reduce certain processing costs, and lessen reliance on any single payments partner, though it requires building and managing a more complex payments system.

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