Fintech Finance x Aevi: How ISV's can leverage payments as a superpower

Join Aevi’s Teresa Biko, Head of Business Development for the U.S., as she explores why payments have long held ISVs back, and how open payment orchestration is changing that. In this interview, she discusses the challenges of fragmented payment stacks, the risks of vendor lock‑in, and the importance of abstraction in enabling ISVs to scale with confidence. Together, these themes highlight how flexibility, control, and speed to market are turning payments from a necessary evil into a true competitive advantage for ISVs.

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ISVs want one integration that travels, why does scaling still feel so challenging?

Teresa explains that while ISVs want a single integration that works everywhere, payments remain deeply fragmented. Different hardware requirements, local regulations, and payment methods mean that as ISVs expand into new markets, they’re often forced to rebuild parts of their payment stack each time. This complexity slows growth and makes scaling far more painful than it should be.

What’s the risk when payments are locked to one hardware or acquiring partner?

According to Teresa, the biggest risk is a lack of flexibility. When an ISV is tied to a specific acquirer or device, their growth becomes constrained by that partner’s capabilities and market reach. If those don’t align with the ISV’s roadmap, scaling stalls. Over time, this dependence limits control, negotiation power, and the ability to evolve at the pace the business needs.

What does open orchestration actually mean for ISVs building in‑person payments?

Teresa describes open orchestration as a true abstraction layer, one that separates ISVs from the underlying complexity of in‑person payments. Instead of being tightly coupled to individual vendors, ISVs gain the freedom to choose, change, and negotiate across acquirers and hardware providers. This separation gives them more control over pricing, partnerships, and how their payments stack develops over time.

How will open orchestration reshape global commerce for ISVs in the next five to ten years?

Looking ahead, Teresa believes open orchestration will fundamentally change how ISVs think about payments. What has long been a necessary evil will become a strategic advantage. With the ability to scale faster, enter new markets more efficiently, and stay flexible as requirements change, ISVs will be able to use payments as a competitive differentiator, not a blocker to growth.

press@aevi.com