There is a contradiction in the payments industry. Independent Software Vendors (ISVs) are the players who are really driving change in the payments market, but they are not well served by the industry at large. They have to deal with multiple touchpoints, from distributors to payments hardware providers, and often need to integrate with multiple payments gateways. They aim to deliver frictionless software to their end users, but nobody is delivering a frictionless payments solution to them. The situation is being exacerbated by the need for EMV, Contactless and related certifications as these are driven by growing consumer demand. Here at Worldnet Payments, we have listened to our customers and recognized these pains, and we have designed an integrated end to end payments solution to meet the needs of the ISV community.