Interested in what you could be earning by enabling payments in your software? Get the info you need with some handy advice and an interactive ROI calculator.

1. Payments: The Untapped Revenue
Engine
WWW.PAYRIX.COM/AU
Could you be earning 2-5x your current revenue with payments?

2. PAYRIX
With payments you can...
Grow your revenue
by up to 2-5x with
a profit from every
transaction
Make your customers
‘stickier’ by expanding
your product
capabilities
Strengthen your
business’
proposition and
help stand out
from competitors
Expand
internationally
with a single point
of integration

3. PAYRIX 3
SaaS 1.0
Software Company
+Subscription revenue only
SaaS 2.0
Software Platform
+Subscription revenue
+Online payments
SaaS 3.0
Commerce Platform
+Subscription revenue
+Online payments
+Point of sale payments
+Issuing
+Lending
+Instant payouts
+Software (e.g. billing)
Payments are the key to
unlocking up to 2-5x revenue
Source: Credit Suisse, January 2021
Enabling payments means you can earn
much more than just subscription revenue.
With the right payments solutions you can
profit from your customers’ in-person
purchases, online payments and more.

4. PAYRIX
The numbers speak for themselves
Don’t just take our word for it...
20.7m
Online shoppers in
Australia by 2025
63%
Of customers favour
businesses with online
payment options
5 yrs
COVID has
accelerated 5 years
worth of growth in
payments
66.7%
Of revenue for Shopify
comes from payments
Embedded Finance is
expected to grow to
$230 Billion by 2025,
and payments will
account for 60% of that
growth.

5. PAYRIX
5
SaaS 1.0
Software Company
+Subscription revenue only
SaaS 2.0
Software Platform
+Subscription revenue
+Online payments
SaaS 3.0
Commerce Platform
+Subscription revenue
+Online payments
+Point of sale payments
+Issuing
+Lending
+Instant payouts
+Software (e.g. billing)
But you need to weigh up profit vs. costs
Traditional steps, processes and costs associated
with becoming a registered payment facilitator:
Hiring a team to manage capability
Full-time employees to manage business, legal and engineering
processes, along with building a customer service function.
Payment systems set-up (6-12+ months, $650k - 1.1M)
Acquiring processor (bank) sponsorship, potential gateway
integrations, Level 1 PCI DSS certification, building initial merchant
dashboard and payout systems; could require consultants/advisors
Merchant onboarding and compliance(6-18 months, ~$1.8M)
Develop merchant underwriting and onboarding procedures (ID
verification, risk scoring systems), along with compliance with
various licenses and card network requirements, data retention,
privacy, etc.
Ongoing management capability (~$200K - millions/year)
Per account costs for onboarding and monitoring, risk monitoring,
fraud prevention, chargeback process handling (e.g. responding with
evidence submissions, reporting, annual compliance validation, etc.
Additional costs to consider long term:
● International expansion (some of the above, but for a new
market)
● Technical and procedural changes due to changing
regulations (e.g. PSD2)
Source: Credit Suisse, January 2021

6. PAYRIX
What are the options?
Referral
model
Integrated
Partner
Becoming
your own
PayFac

7. PAYRIX
1. Referral payments model
You refer a business (a
merchant) to your
payments partner
You receive a once-off
or minimal transaction
fee
The payments engine
connects to the bank
to settle the
payments
The payment
processing occurs
outside of your
platform
How it works
The bank receives the
payment.
Total transaction value
What the business receives (your customer)
% of transaction is given to the processor
% of transaction is taken by the bank
Low to no cost, minimal return

8. PAYRIX
Weighing up: Referral Model
8
Customer Experience
Revenue Upside
Risk Management
Referral
Partner Model
Payment
Facilitator
More Control
More Share
All
Less
Control
Lower Share
None
Integrated
Partner Model

9. PAYRIX
2. Integrated payments
A shopper makes a
purchase online or in
store
Your customer
processes the
transaction through
your software
The Payrix payments
engine connects to
the bank to settle the
payments
The back-end of your
platform is connected
to Payrix through a
powerful API.
How it works
The bank receives the
payment.
Total transaction value
What the business receives
% of transaction is split between the software company (you) and the processor
% of transaction is taken by the bank
Low cost, high return

10. PAYRIX
Weighing up: Integrated Payments
10
Customer Experience
Revenue Upside
Risk Management
Referral
Partner Model
Payment
Facilitator
More Control
More Share
All
Less
Control
Lower Share
None
Integrated
Partner Model

11. PAYRIX
3. DIY PayFac model
A shopper makes a
purchase online or in
store
Your customer
processes the
transaction through
your software
You build the gateway
and manage your own
relationship with the
bank
How it works
The bank receives the
payment.
Total transaction value
What the business receives
% of transaction is taken by the software company (you)
% of transaction is taken by the bank
High cost, highest return

12. PAYRIX
Weighing up: DIY PayFac Model
12
Customer Experience
Revenue Upside
Risk Management
Referral
Partner Model
Payment
Facilitator
More Control
More Share
All
Less
Control
Lower Share
None
Integrated
Partner Model

13. PAYRIX
Calculate your potential ROI
Interested in what
your ROI could be
with integrated
payments? Try our
ROI calculator here:
https://www.payrix.c
om/au/get-
inspired/roi-
calculator
For integrated software partners

14. Key Takeaways
- Enabling payments boosts revenue by 2 to 5x
- It works by letting you take a % of every
transaction processed by your customers
- There are 3 main options for setting up payments
- Referral model gives little to no cost or risk,
but little return
- Integrated payments gives more control and
profit, without having to become your own
PayFac
- PayFac model can create more profit but also
comes with much higher costs

15. Questions?
Speak to a payments expert. Click here.