The acquiring industry is being reshaped by four key trends redefining how merchants accept and manage payments.
BPC, a global leader in payment solutions, announced the release of its latest report, Next-Generation Acquiring: A New Reality of the Digital-Ready Future today. The report, available for access here, details the forces that are reshaping the acquiring industry, driven by regulatory shifts, the explosion of electronic payments and the rise of innovative payment methods.
As digital transactions become the norm, acquiring systems must evolve to accommodate a projected 30% increase in merchants accepting electronic payments by 2028 and the growing demand for faster, more seamless transactions. To remain competitive, the report emphasises the shift towards Acquiring as a Service (AaaS), reducing costs while ensuring compliance and rapid innovation.
The acquiring landscape is also being shaped by the emergence of specialist vertical acquirers, offering industry-specific solutions in high-growth sectors. Unlike traditional acquirers, these specialised providers offer customised payment processing, compliance solutions and fraud prevention. However, their emergence doesn’t address the underlying challenges, such as legacy systems, that more than a decade of rapid change has created across the acquiring business.
Regulatory developments are further shaping the future of acquiring. The implementation of the Digital Operations Resilience Act (DORA) in January 2025 and the upcoming Payment Services Directive 3 (PSD3) will introduce stricter security and compliance measures, requiring acquirers to modernise their systems to mitigate fraud risks. With emerging attack vectors such as Authorised Push Payment (APP) now responsible for 75% of electronic payment fraud in key markets, the need for robust fraud prevention solutions has never been greater.
Cross-border e-commerce is another driver of change, with global transaction volumes projected to surpass $1 trillion by 2030. Merchants are seeking acquiring partners that can facilitate international transactions while managing currency conversion, settlement speed and local compliance requirements.
BPC’s latest report also explores the successful adoption of next-generation acquiring models through real-world case studies featuring Dojo, EveryPay, JCC Payment Systems and Tora Wallet.
Commenting on the report, BPC’s Peter Theunis, SVP sales said: “The acquiring landscape is undergoing a seismic shift, driven by digitalisation and regulatory mandates. By 2030 success will depend on future-proven and cloud-native systems that empower merchants. Our latest report highlights the urgent need for acquirers to modernise their systems to deliver next generation value-added services and ensure compliance. At BPC, we have the proven expertise to help any tier of acquirers across Europe and beyond to stay ahead of the curve.”
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