SMBs Look to Rebuild Their Payment Stacks After Years of Unbundling
A restaurant buys the flashiest point of sale system on the market and six months later, is using just five of its over 100 features. A few doors down main street, a service business juggles an invoicing app, a gateway that doesn’t speak to its accounting software, and a BNPL plugin it added because a competitor had one.
Add the tools now needed to sell through social channels, and small merchants are drowning in apps.
“Just because someone can afford to buy something today, doesn’t mean that investment will pay off, especially if business seasonality kicks in and sales go down,” Dimitri Akhrin, CEO of ecommerce merchant services partner BAMS, told The Sociable.
The sprawl isn’t just apps, but rails, too. Real-time payment rails have now crossed an adoption threshold, with a fifth of U.S. financial institutionslive on FedNow by August 2026 and stablecoins emerging as a B2B...
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