Field39

𝗪𝗵𝘆 𝗮𝗿𝗲 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗦𝘂𝗽𝗽𝗼𝗿𝘁 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗳𝗼𝗿 𝗦𝗼𝗳𝘁𝘄𝗮𝗿𝗲 𝗦𝘂𝗰𝗰𝗲𝘀𝘀? 💻 🔧 In the fast-paced world of software, 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗦𝘂𝗽𝗽𝗼𝗿𝘁 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀 play a main role in ensuring customer satisfaction and long-term success. Field39 strongly believes in this, and we have defined clear and effective process for customer support, enabling maximum efficiency for our team and the best possible support for our clients. From the operations management tech stack to the extensive documentation, every step counts. 𝗪𝗛𝗬 𝗜𝗦 𝗜𝗧 𝗜𝗠𝗣𝗢𝗥𝗧𝗔𝗡𝗧? 💫 🔸 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗿𝗲𝘁𝗲𝗻𝘁𝗶𝗼𝗻 Efficient support operations help resolve issues quickly, improving user experience and boosting retention rates. Happy customers stay longer and spread positive word-of-mouth. 🔸 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗺𝗲𝗻𝘁 Support teams provide critical feedback, identifying recurring problems that can guide development teams in refining the product. 🔸 𝗕𝗿𝗮𝗻𝗱 𝘁𝗿𝘂𝘀𝘁 Proactive and efficient support builds trust, ensuring users feel confident they’ll get help when needed. 𝗕𝗘𝗡𝗘𝗙𝗜𝗧𝗦 𝗢𝗙 𝗘𝗙𝗙𝗘𝗖𝗧𝗜𝗩𝗘 𝗦𝗨𝗣𝗣𝗢𝗥𝗧 𝗢𝗣𝗘𝗥𝗔𝗧𝗜𝗢𝗡𝗦 ✅ 🔹 𝗥𝗲𝗱𝘂𝗰𝗲𝗱 𝗱𝗼𝘄𝗻𝘁𝗶𝗺𝗲 - swift resolutions prevent user frustration and keep software running smoothly. 🔹 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱 𝗰𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗹𝗼𝘆𝗮𝗹𝘁𝘆 - when customers know they can rely on strong support, loyalty follows. 🔹 𝗖𝗼𝘀𝘁 𝗲𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝗰𝘆 - preventing issues from escalating reduces long-term operational costs by minimizing large-scale product failures 𝗖𝗢𝗠𝗠𝗢𝗡 𝗣𝗜𝗧𝗙𝗔𝗟𝗟𝗦 ❗ 1️⃣ Inadequate Training - support staff lacking deep product knowledge can lead to poor customer interactions. 2️⃣ Delayed Response Times - slow response to customer issues can result in churn and negative reviews. 3️⃣ Overly Complicated Systems - complex ticketing systems or escalations can frustrate customers rather than help them. Solid Product Support Operations are not just a back-end service but a 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗮𝘀𝘀𝗲𝘁 that drives user satisfaction, loyalty, and product refinement. With the right processes in place, it can be the competitive advantage your software product needs! 😊 #Field39 #ProductSupport #SoftwareSuccess #CustomerExperience #SupportOperations #TechSupport #BestPractices

𝗣𝗿𝗼𝗴𝗿𝗲𝘀𝘀 𝗼𝗳 𝗖𝗮𝗿𝗱 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗶𝗻 𝗖𝗿𝗼𝗮𝘁𝗶𝗮 📈 The Croatian payments landscape has undergone significant transformation in the last 5 years, reflecting the rapid shift towards digitalization and a cashless society. The latest report from the Croatian National Bank (HNB) on cashless transaction in Croatia, from June 2024 highlights the impressive growth in card payment adoption across the country. 🌟 𝗞𝗲𝘆 𝗛𝗶𝗴𝗵𝗹𝗶𝗴𝗵𝘁 ▪ 𝗚𝗿𝗼𝘄𝘁𝗵 𝗶𝗻 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝘀 For the last 5 years, Croatia saw a steady rise in the number of card transactions. The adoption of contactless payments, driven by the pandemic, played a crucial role in this surge. Number of trx grew an impressive 67%, while the overall volume grew whopping 77% in the same period. If we put this in today numbers, Croats spent impressive 15,5 billion EUR in 2023 with card payments only, through almost 600 million transactions. ▪ 𝗖𝗮𝗿𝗱 𝗜𝘀𝘀𝘂𝗮𝗻𝗰𝗲 The number of issued payment cards is rather stable and is around 2 card per citizen (2,1 to be more precise) which show no change of trend on that part. ▪ 𝗠𝗲𝗿𝗰𝗵𝗮𝗻𝘁 𝗔𝗱𝗼𝗽𝘁𝗶𝗼𝗻 More businesses integrated card payment systems, boosting the overall acceptance of digital payments across various sectors, including retail, hospitality, and e-commerce which grew impressively in the last couple of years. ▪ 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗘𝗻𝗵𝗮𝗻𝗰𝗲𝗺𝗲𝗻𝘁𝘀 With the rise in card usage, significant advancements were made in payment security, ensuring safe and reliable transactions for consumers. Croatia’s commitment to advancing its digital payments infrastructure is evident, positioning the country as a leader in the region’s shift towards a cashless economy. As we move forward, it's exciting to see how these trends will shape the future of payments in Croatia. We are proud to be the silent force behind many of these transactions, ensuring smooth and safe payment throughout the country with our services and solutions. 😉 🔗 For more detailed insights, check out below the full report from the 𝗖𝗿𝗼𝗮𝘁𝗶𝗮𝗻 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗕𝗮𝗻𝗸 (𝗛𝗡𝗕) on card payments. #Field39 #DigitalPayments #Croatia #Fintech #CardPayments #CashlessSociety #Innovation #HNB #PaymentsIndustry #FinancialInclusion

We are excited to 𝗮𝗻𝗻𝗼𝘂𝗻𝗰𝗲 𝗼𝘂𝗿 𝗽𝗮𝗿𝘁𝗻𝗲𝗿𝘀𝗵𝗶𝗽 𝘄𝗶𝘁𝗵 Paynt, one of the leading international acquirers! 🎉 Through our 𝗦𝗮𝗮𝗦 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺, 𝗜𝗣𝗚, we are now offering their top-tier acquiring services to our clients. This collaboration strengthens our mission to deliver comprehensive payment solutions and drive growth for businesses worldwide. By integrating Paynt’s innovative capabilities, we are enhancing the value we provide to our customers. Together, we are set to redefine the payment landscape and unlock new opportunities for our partners! 🔓 #Field39 #Paynt #partnership #announcement #SaaSplatform

Technology plays a huge role in our daily lives, influencing how we work, connect, and relax. While it offers amazing tools like mindfulness apps and ways to stay connected, it can also be overwhelming if we are constantly plugged in. 🔌 We should consider how to use technology in a way that supports our well-being - ether it is taking regular breaks, setting screen time limits, or trying out digital detoxes. It is all about finding the right balance! One way to achieve this is by booking a nice holiday and simply enjoying the view! ☀🌊   How do you use technology to enhance your well-being without letting it take over?

🔺𝗖𝗮𝘀𝗵𝗹𝗲𝘀𝘀 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗦𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀🔺 In our new blog post, Goran Bosankić has highlighted and made a break down of the significant savings Cashless39 can offer. Discover how cashless payment closed loop solutions can revolutionize your events and venues! For example, at a large gaming event with 15,000 attendees, traditional card transaction fees could hit $84,000. 𝗦𝘄𝗶𝘁𝗰𝗵𝗶𝗻𝗴 𝘁𝗼 𝗮 𝗰𝗮𝘀𝗵𝗹𝗲𝘀𝘀 𝘀𝘆𝘀𝘁𝗲𝗺 𝗿𝗲𝗱𝘂𝗰𝗲𝘀 𝘁𝗵𝗶𝘀 𝘁𝗼 $𝟲𝟭,𝟱𝟬𝟬, 𝘀𝗮𝘃𝗶𝗻𝗴 $𝟮𝟯,𝟱𝟬𝟬 𝗽𝗲𝗿 𝗲𝘃𝗲𝗻𝘁! 💳💰 With 20 events annually, you could save over $500k. 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗯𝗹𝗼𝗴 𝗽𝗼𝘀𝘁 on the link below, for specific numbers and see how cashless can boost your efficiency and security. ⬇ Contact us at sales@field39.com to get started today! #Field39 #Cashless39 #PaymentSolution #ClosedLoopSolutions

𝗖𝗮𝘀𝗵𝗹𝗲𝘀𝘀𝟯𝟵 - 𝗧𝗵𝗲 𝗨𝗹𝘁𝗶𝗺𝗮𝘁𝗲 𝗖𝗮𝘀𝗵𝗹𝗲𝘀𝘀 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗦𝗼𝗹𝘂𝘁𝗶𝗼𝗻🚀 In a world where convenience meets innovation, we are presenting 𝗖𝗮𝘀𝗵𝗹𝗲𝘀𝘀𝟯𝟵 – our cloud based prepaid payment solution designed to remove hurdles of cash payments and the way transactions are made, both in small-scale events and large-scale festivals, as well as in the retail sector with prepaid approach. 🔹 𝗩𝗲𝗿𝘀𝗮𝘁𝗶𝗹𝗶𝘁𝘆 𝗮𝘁 𝗶𝘁𝘀 𝗯𝗲𝘀𝘁  Whether you're organizing a local school fair, farmers market, a bustling music festival, or you are running e-sports event, Cashless39 effortlessly adapts to your needs, providing a seamless and secure payment experience. Retail businesses, too, can leverage our solution to offer customer and B2B prepaid cards that enhance customer loyalty and spending. 🔹 𝗜𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝘃𝗲 𝘁𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆 At the heart of Cashless39 lies the flexibility, starting with simple QR code integration, allowing for swift and hassle-free payments with just a scan, being up and running in minutes! But we didn't stop there – our platform is also compatible with external form factors like MIFARE cards and wearable bracelets, offering unparalleled convenience and speed. 🔹 𝗔𝗹𝘄𝗮𝘆𝘀 𝗰𝗼𝗻𝗻𝗲𝗰𝘁𝗲𝗱 With an online-based system, Cashless39 ensures that your transactions are smooth and continuous, keeping your operations running without a hitch. Plus, with our optional support for online PIN verification, security is never compromised. 🔹 𝗧𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝘁𝗼 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗺𝗼𝗱𝗲𝗹 Understanding that every event and retail operation is unique, Cashless39 is designed to be fully customizable. This means you can integrate our solution in a way that best fits your business model, ensuring efficiency and satisfaction. In addition, multi-level administration and detailed reporting enables simple and smooth operations. Join the revolution of cashless transactions with Cashless39 and take the first step towards a more convenient, secure, and innovative payment experience. Perfect for any event or retail business looking to elevate their payment solutions. Let's redefine the way we transact, together. ✨ Contact us at Field39 and visit www.field39.com today to explore Cashless39! 🔍   #Cloud39 #Cashless39 #CashlessPayments #EventTech #RetailInnovation #SaaS #PaymentSolutions

𝗖𝘂𝗿𝗶𝗼𝘂𝘀 𝗮𝗯𝗼𝘂𝘁 𝗙𝗶𝗻𝘁𝗲𝗰𝗵? 🔎 Recently, our Josip Povreslo, Field39 founder and CEO, shared an interesting post on this topic, sparking a deeper exploration of what Fintech truly is. This post offers a broad overview of Fintech, making it a great read for those new to the field, looking to expand their knowledge, and those who are already well-versed in the industry. Read more and share your thoughts - what is your take on this? 💡👇 #Field39 #Fintech #Innovation #FinancialServices #Technology

🌍 𝗡𝗮𝘃𝗶𝗴𝗮𝘁𝗶𝗻𝗴 𝗖𝗿𝗼𝘀𝘀-𝗕𝗼𝗿𝗱𝗲𝗿 𝗖𝗮𝗿𝗱 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗔𝗰𝗾𝘂𝗶𝗿𝗶𝗻𝗴 - 𝗔 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗔𝗽𝗽𝗿𝗼𝗮𝗰𝗵 𝗳𝗼𝗿 𝗠𝗲𝗿𝗰𝗵𝗮𝗻𝘁𝘀   In short, cross-border acquiring is the process where a merchant uses a single cross border licensed acquirer/payment processor to accept card payments from customers in different countries, enabling international transactions.    For a Merchant that has operations in multiple countries this can present a much bigger challenge that one can assume. Cross border acquirers are not that common,  but also having a unified multi country payment infrastructure can pose a huge challenge for the Merchants.    𝗕𝗲𝘀𝘁 𝗔𝗽𝗽𝗿𝗼𝗮𝗰𝗵𝗲𝘀 𝗳𝗼𝗿 𝗠𝗲𝗿𝗰𝗵𝗮𝗻𝘁𝘀  🔺 Partner with Experienced Acquirers - Choose acquirers with a strong track record and expertise in cross-border transactions to ensure smooth operations.   🔺 Leverage Local Acquirers - Utilize local acquirers in key markets to benefit from their understanding of regional nuances, regulations, and customer preferences.   🔺 Invest in Technology - Implement advanced payment gateways and fraud prevention tools to enhance security and streamline the payment process.   However, cross border acquiring can be achieved also by using multiple acquirers, per each country, not only relying on a single cross border acquirer as they have challenges of their own such as:   🔺 Regulatory Compliance - Navigating different regulatory environments and compliance requirements in multiple countries can be complex and time-consuming. 🔺 Fraud Management - Cross-border transactions are often more susceptible to fraud, necessitating robust security measures and fraud detection systems. 🔺 Currency Conversion - Handling multiple currencies efficiently while minimizing conversion costs and risks is a significant operational challenge.   𝗛𝗼𝘄 𝘁𝗼 𝗹𝗲𝘃𝗲𝗿𝗮𝗴𝗲 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗮𝗰𝗾𝘂𝗶𝗿𝗲𝗿𝘀 𝗶𝗻 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗰𝗼𝘂𝗻𝘁𝗿𝗶𝗲𝘀, 𝗮𝗻𝗱 𝗺𝗮𝗶𝗻𝘁𝗮𝗶𝗻 𝗱𝗮𝘁𝗮 𝗮𝗻𝗱 𝘁𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻 𝗰𝗼𝗻𝘁𝗿𝗼𝗹?   It is not simple, but it is easy with our solutions. 🙂  By utilizing our flagship Switch39 multi-acquiring smart routing solution Merchant can have a central point for controlling the payment process and still have independent acquirer connections throughout different markets globally. That way it can use best of both worlds: international payment control and local acquirers!   All this said, embracing cross-border card payment acquiring can unlock new growth opportunities for merchants. By understanding the benefits and challenges, and adopting best practices, businesses can effectively navigate the complexities of international commerce.   If you would like to know how we at Field39 can help you in this process, feel free to reach us at sales@field39.com or visit our site at www.field39.com   #crossborderpayments #multiacquiring #field39 #retailpayments

𝗙𝗿𝗶𝗲𝗻𝗱𝗹𝘆 𝗙𝗿𝗮𝘂𝗱 𝗶𝗻 𝗘-𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗲 - 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲𝘀 𝗮𝗻𝗱 𝗦𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 💻🔒 In the rapidly expanding realm of e-commerce, friendly fraud is emerging as a significant challenge for businesses. Understanding its dynamics and implementing strategic measures can significantly mitigate its impact. By fostering transparency, enhancing customer interaction, and utilizing technology-driven solutions, businesses can protect themselves against this modern-day menace and enhance their operational resilience. 💡 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁𝗲𝗱 𝗮𝗻𝗱 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗹𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲? Check out our new blog post on the subject, go through our portfolio, reach out to us and let's talk! ⬇ #Field39 #Cloud39 #IPG39 #Switch39 #friendlyfraud #payments #ecommerce

𝗧𝗵𝗲 𝗽𝗼𝘄𝗲𝗿 𝗼𝗳 𝗺𝘂𝗹𝘁𝗶-𝗮𝗰𝗾𝘂𝗶𝗿𝗶𝗻𝗴 𝗱𝘆𝗻𝗮𝗺𝗶𝗰 𝗿𝗼𝘂𝘁𝗶𝗻𝗴 𝗶𝗻 𝗰𝗮𝗿𝗱 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 💳 In the fast-evolving retail sector, transaction efficiency and payment flexibility are paramount. Multi-acquiring dynamic routing stands out as a transformative solution, empowering retailers with smarter, more reliable card payment processing. Multi-acquiring dynamic routing involves using a payment processing solution connected to multiple acquiring banks to process card payments. This approach allows retailers to direct transactions through different acquirers based on smart and dynamic criteria e.g. lowest transaction fees, highest success rates, type of card used, volume based fees etc. 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗮𝗻𝗱 𝗽𝗿𝗼𝗯𝗹𝗲𝗺-𝘀𝗼𝗹𝘃𝗶𝗻𝗴 🔸 Increased transaction success rates - by routing transactions to the acquirer with the highest acceptance rates for a particular card type, retailers can significantly reduce declined transactions. 🔸 Cost efficiency - dynamic routing enables retailers to choose acquirers with the lowest fees per transaction type, optimizing payment costs and boosting profitability with dynamic parameters 🔸 Enhanced customer experience - reducing card declines directly translates to a smoother checkout experience 🔸 Risk mitigation - diversifying acquirer options reduces dependency on a single service, mitigating risks associated with acquirer downtime or service disruptions 🔸 Data control - by using its own solution to route and monitor card payment traffic, retailer takes control over the data and the process itself 𝗜𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝗶𝗻𝘀𝗶𝗴𝗵𝘁𝘀 Implementing multi-acquiring dynamic routing requires a robust payment gateway capable of integrating multiple acquirers and applying smart routing logic. Retailers must consider: 🔧 Technology integration - upgrading current payment systems to support dynamic routing and ensuring compatibility with various acquirers by using bespoke solution, such as Switch39 📊 Data analytics - utilizing data analytics to monitor transaction patterns and optimize routing decisions ⚖️ Regulatory compliance - ensuring that all transactions meet the stringent compliance requirements   Multi-acquiring dynamic routing is not just a trend; it’s a strategic necessity in the modern retail landscape. By adopting this approach, retailers can enjoy enhanced flexibility, reduced costs, and improved transaction success, all while delivering a superior customer experience. 💡 This is where Field39 steps in with our smart, multi-acquiring solution 𝗦𝘄𝗶𝘁𝗰𝗵𝟯𝟵, already proven with volumes of hundreds of millions of transactions per year, providing our clients with the best possible transaction route and zero downtime. If you would like to hear more about Switch39 and its smart routing options, reach to us at sales@field39.com or visit our site at www.field39.com 💭 #FIeld39 #Switch39 #PaymentProcessing #MultiAcquiring #CardPayments #SmartRouting