Payment integration costs, complexity delay launches, survey finds

Complex integrations are slowing adoption of new payment methods by software companies, but AI could make integrations faster, easier and more cost effective, according to a survey by payments company Payroc.

The survey—which queried 750 founders, CTOs, product leaders and developers at software companies—revealed that 73 percent had delayed or decided against adding a payment capability because integration was too costly or too complex.

Ninety-six percent of respondents said AI already has helped their organizations make integrations faster, easier and more cost effective.

While 97 percent said their current payment provider meets their needs well, 80 percent said the cost and complexity of switching to another provider would likely be a deal breaker, even if they were unhappy with their current provider.

AI is already changing how software providers approach integrations, the survey revealed. Ninety-six percent of software providers said AI already has helped their organizations make integration faster, easier and more cost-effective.

Three in four (75 percent) said their organizations would be ready to adopt AI-powered or agentic payment integrations within seven to 11 months; almost half (48 percent) expect these integrations to become standard within one to two years.

Concerns about AI's impact on workflows

Survey results indicate enthusiasm for AI has not eliminated concerns about bringing it into payment workflows. Security was the most frequently cited barrier to adopting AI-powered agentic payment integrations (43 percent of respondents), followed by the cost of adoption (38 percent) and organizational risk (36 percent).

For adoption to scale, payment providers will need to show that faster integration does not come at the expense of security, traceability or accountability, Payroc said in a press release.

"Most software companies aren't unhappy with their payment provider, but they are paying for integration in ways that rarely show up on a balance sheet: launches that slip, features that never get built, markets they don't enter," said Paul Vienneau, Payroc's CTO. "AI is starting to change that."

Payroc launched Payroc for Developers this month, describing it as an AI-native platform for software companies, independent software vendors and development teams. The platform supports AI-powered agentic payment integrations and is designed to help teams launch integrated payments faster, the company said.

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