An e-commerce retailer doing €5M a year pays €65K in card fees. They want to add A2A. They budget a six-month integration project. They are off by an order of magnitude.

For most merchants, A2A integration is hours to weeks, not months. WooCommerce, Magento, PrestaShop, Shopify - install the plugin, configure, test, go live. Two hours. Custom checkouts on a properly staffed API integration: one to two weeks of developer time, €2-4K. Point-of-sale systems: two to three weeks, and most of that is staff training, not engineering.

This briefing walks the three integration paths, what each actually involves, and why the PCI question changes the cost picture. A2A does not touch card data - no card number, no CVV, no expiration. PCI DSS scope does not apply. That removes €1-10K of annual compliance overhead for most merchants and a non-trivial security surface on top of it.

The savings show up immediately. A fashion retailer on WooCommerce hit 18% adoption in six months and saved €4,320 against a 2.5-hour install - a 160x return on the implementation time. A SaaS company on a custom API integration saved €20K a year and cut involuntary churn by 15%, because bank accounts do not expire the way cards do.

Full episode for failure-mode handling, the customer-learning curve by month, the full pre-launch and post-launch checklist, and what to do when your platform does not have a plugin yet.

Full source material and the complete guide: https://go.payware.eu/p-merchant-int-b

Produced by payware - the transaction resolution network for instant A2A payments.

AI-generated from payware's published research and documentation.