Steven Velasquez, Senior Vice President and Head of Partner Business Development
U.S. Bank | Elavon

As consumer demand for a frictionless payment experience increases, ISVs that embed additional financial services into their offerings stand to win more market share in a progressively competitive software ecosystem. How ISVs decide to implement these services into their software, however, is paramount to building a solution for sustainable growth with the ability to adapt in a rapidly changing industry.

The concept of composable commerce, or a component-based approach to creating a customizable technology stack, is at the forefront of delivering the business capabilities ISVs need. So, how can you apply this methodology to your payments strategy? Let’s take a closer look.

Integrating banking services with APIs

In the simplest terms, composable commerce is API-driven, enabling ISVs to take a modular approach to building a holistic solution. Because consumers are looking for a seamless experience, this means offering more than just payment functionality; it means providing additional financial services to meet, and exceed, buyer expectations.

Coding into these APIs integrates banking and treasury management capabilities including managing same-day ACH transactions, sending real-time payments/disbursements, originating check payable requests, and accessing important corporate account information to move money. For example, a healthcare payments software’s main function may be to streamline revenue cycle management, but through a FBO account API, it’s also able to facilitate insurance claim reimbursements as well.

Composable commerce provides value at every point of the transaction lifecycle for both the business and its customers, including the choice of how and when to pay.

Offering flexible financing options for customers

ISVs that typically have a higher average transaction value can increase sales and overall profitability by integrating point-of-sale lending at checkout. Consumers who purchase products through one of these embedded lending options tend to convert more often and spend more per transaction, whether it’s a splurge on fine jewelry or a home renovation project.

It’s a win-win for merchants and their customers. Businesses are able to improve their liquidity and customer service while offering consumers more payment choices to manage the cost of larger expenses. Whether in-person or online, consumers expect this option. In fact, the embedded lending market is estimated to reach $23.3 billion (U.S.) by 2031, growing at a compound annual growth rate (CAGR) of 20.4%. [i]

Where stability and innovation meet – U.S. Bank | Elavon

It’s paramount to find the right payments partner that can develop the framework for your success. Backed by the strength and stability of U.S. Bank, Elavon can help you optimize your payments and financial services strategy to accelerate your speed to market, maximize your revenue, and scale your business for future growth. Discover what’s possible with our award-winning APIs[ii], comprehensive integrated software solutions ecosystem, and Avvance™, our point-of-sale lending solution.

Whether you’re new to the industry or a seasoned ISO, we’ll help you build your long-term strategy. Decades of experience working with partners has driven us to develop an exceptional implementation, training, and incubation experience that enables you to achieve your maximum potential as a partner with us. It's why more than 1,000 integrated partners, 1,700 financial institutions and 350 ISOs/MSPs trust us to grow their business. Find out what’s possible. Call us at: 800.725.1243.

[i] Coherent Market Insights

[ii] 2023 API World Awards – “Best in Payments APIs”


Request a call back

We want to hear from you. If you are interested in setting up a new merchant account with us, please contact us through the form below and we'll call between the hours of 9:00 AM and 7:00 PM EST, Monday-Friday. If you require assistance with an existing account, please call our customer service line 24/7/365.

This contact form is for US customers only. If you are looking for one of our other locations, please visit to find your country or region.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

By providing us with an email address you are expressly consenting to receiving email communications – including but not limited to marketing material/advertising, promotions, sales campaigns, and questioner/research surveys. By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications – including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system – from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider. We accept relay calls. Your privacy is important to us. By clicking “submit” you agree to our terms and conditions.


Available Mon. – Fri.
9:00 AM - 7:00 PM EST

Customer Support

Available 24/7