Global Payments Inc. (GPN): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama de los pagos digitales en rápido evolución, Global Payments Inc. (GPN) surge como una potencia transformadora, que encierra a la perfección la tecnología y los servicios financieros en los mercados globales. Con un modelo de negocio sofisticado que trasciende el procesamiento de transacciones tradicional, GPN se ha posicionado estratégicamente como un líder innovador en ecosistemas de pago, ofreciendo soluciones de vanguardia que capacitan a las empresas de todos los tamaños para navegar por el complejo mundo del comercio digital. Al aprovechar las tecnologías avanzadas, las asociaciones estratégicas y un enfoque integral de los servicios financieros, Global Payments Inc. ha reinventado cómo las empresas y los consumidores interactúan con las tecnologías de pago en una economía global cada vez más interconectada.

Global Payments Inc. (GPN) - Modelo de negocio: asociaciones clave

Alianza estratégica con los principales bancos e instituciones financieras

Global Payments mantiene asociaciones estratégicas con más de 1.300 instituciones financieras en América del Norte. A partir de 2023, la compañía tiene acuerdos de colaboración formales con:

Tipo de banco	Número de asociaciones	Volumen de transacción anual
Bancos regionales	850	$ 126.7 mil millones
Bancos nacionales	275	$ 214.3 mil millones
Bancos comunitarios	175	$ 42.5 mil millones

Asociación con redes de pagos

Global Payments tiene asociaciones de integración directa con las principales redes de pago:

• Visa: volumen de procesamiento de $ 387.6 mil millones en 2023
• MasterCard: volumen de procesamiento de $ 342.1 mil millones en 2023
• American Express: volumen de procesamiento de $ 89.4 mil millones en 2023
• Descubrir: Volumen de procesamiento de $ 62.7 mil millones en 2023

Colaboraciones de proveedores de tecnología

Global Payments colabora con proveedores de tecnología que incluyen:

Proveedor de tecnología	Enfoque de asociación	Inversión anual
Microsoft Azure	Infraestructura en la nube	$ 42.3 millones
IBM	Soluciones de ciberseguridad	$ 28.7 millones
Google Cloud	AI y aprendizaje automático	$ 35.6 millones

Integraciones de comerciantes y comerciantes

Global Payments tiene integraciones directas con plataformas de comercio electrónico:

• Shopify: 127,000 conexiones comerciales
• WooCommerce: 94,000 conexiones comerciales
• BigCommerce: 56,000 conexiones comerciales
• Magento: 43,000 conexiones comerciales

Empresas conjuntas del mercado emergente

Global Payments ha establecido empresas conjuntas en mercados emergentes clave:

Región	Número de empresas conjuntas	Valor de transacción anual
América Latina	7	$ 86.4 mil millones
Asia Pacífico	5	$ 64.2 mil millones
Oriente Medio	3	$ 42.7 mil millones

Global Payments Inc. (GPN) - Modelo de negocio: actividades clave

Procesamiento de pagos y gestión de transacciones

Los pagos globales procesaron $ 2.5 billones en volumen de pago total en 2023. La compañía manejó aproximadamente 5.300 millones de transacciones anuales. Los ingresos por procesamiento de transacciones alcanzaron los $ 4.06 mil millones en el año fiscal 2023.

Tipo de transacción	Volumen	Ganancia
Transacciones de tarjeta de crédito	2.1 mil millones	$ 1.8 mil millones
Transacciones de pago digital	1.200 millones	$ 1.2 mil millones
Transacciones de pago móvil	650 millones	$ 750 millones

Desarrollo de software para tecnologías de pago

Global Payments invirtió $ 538 millones en investigación y desarrollo en 2023. La compañía mantiene más de 1,200 patentes de tecnología y emplea a 3,600 ingenieros de software y profesionales de la tecnología.

• Plataformas de pago basadas en la nube desarrolladas: 12
• Nuevas soluciones de tecnología de pago lanzadas: 18
• Proyectos de integración de tecnología completada: 45

Servicios de adquisición de comerciantes y pagos de pago

Global Payments atiende a 3.5 millones de ubicaciones comerciales en todo el mundo. Los servicios de la pasarela de pago generaron $ 1.9 mil millones en ingresos durante el año fiscal 2023.

Segmento comercial	Número de comerciantes	Ingresos de la puerta de entrada
Minorista	1.2 millones	$ 750 millones
En línea/comercio electrónico	850,000	$ 650 millones
Pequeño negocio	1.45 millones	$ 500 millones

Prevención de ciberseguridad y fraude

Global Payments asignó $ 275 millones a la infraestructura de ciberseguridad en 2023. La compañía evitó $ 1.6 mil millones en posibles transacciones fraudulentas.

• Tamaño del equipo de ciberseguridad: 750 profesionales
• Tasa de precisión de detección de fraude: 99.7%
• Certificaciones de cumplimiento de seguridad: PCI DSS Nivel 1

Mantenimiento de infraestructura de pago global

Global Payments opera en 170 países con soporte de infraestructura 24/7. El gasto de mantenimiento de la infraestructura fue de $ 425 millones en 2023.

Componente de infraestructura	Costo de mantenimiento	Porcentaje de tiempo de actividad
Centros de datos	$ 175 millones	99.99%
Infraestructura de red	$ 150 millones	99.95%
Servicios en la nube	$ 100 millones	99.97%

Global Payments Inc. (GPN) - Modelo de negocio: recursos clave

Plataformas de tecnología de pago avanzada

Global Payments opera con $ 5.07 mil millones en inversiones tecnológicas totales a partir de 2023. La compañía mantiene 12 centros de tecnología primarios a nivel mundial, lo que respalda más de 3,5 millones de conexiones comerciales en todo el mundo.

Categoría de inversión tecnológica	Gasto anual
Infraestructura de pago digital	$ 2.3 mil millones
Sistemas de ciberseguridad	$ 687 millones
Computación en la nube	$ 453 millones

Extensa red global de pagos digitales

Procesos de pagos globales $ 2.5 billones en el volumen de transacciones anuales en 170 países. Basos de infraestructura de red:

• 170 mercados globales
• 3.5 millones de conexiones comerciales
• 1,100+ tecnologías de pago

Tecnología calificada e equipos de ingeniería financiera

A partir de 2023, Global Payments emplea a 26,500 fuerza laboral total con un 42% dedicada a la tecnología y los roles de ingeniería.

Categoría de empleado	Personal
Total de empleados	26,500
Profesionales de la tecnología	11,130
Especialistas en ingeniería	5,300

Infraestructura de ciberseguridad robusta

Global Payments invierte $ 687 millones anuales en ciberseguridad, manteniendo el cumplimiento de PCI DSS Nivel 1 con 99.99% de seguridad de transacciones.

Sistemas de procesamiento de software y pagos patentados

La compañía posee 237 patentes de software registradas y mantiene 16 plataformas de procesamiento de pagos de propiedad que generan $ 4.2 mil millones en ingresos relacionados con el software.

Activo de software	Cantidad
Patentes de software registradas	237
Plataformas de pago patentadas	16
Ingresos anuales relacionados con el software	$ 4.2 mil millones

Global Payments Inc. (GPN) - Modelo de negocio: propuestas de valor

Soluciones de pago digital sin problemas y seguras

Pagos globales procesados ​​$ 2.6 billones en volumen de pago total en 2022. La compañía respalda Más de 170 monedas y opera en más de 170 países.

Métricas de procesamiento de pagos	Rendimiento 2022
Volumen de pago total	$ 2.6 billones
Número de monedas compatibles	170+
Alcance geográfico	Más de 170 países

Capacidades de procesamiento de pagos multicanal

Los pagos globales admiten múltiples canales de pago con Tecnologías de integración avanzadas.

• Transacciones de punto de venta en persona
• Pagos de comercio electrónico en línea
• Soluciones de pago móvil
• Sistemas de pago sin contacto

Gestión de transacciones de bajo costo para empresas

Global Payments reportó $ 4.9 mil millones en ingresos para 2022, con costos de procesamiento de transacciones que varían entre 1.5% y 3.5% según la industria y el tipo de transacción.

Detección y prevención de fraude avanzado

La compañía invirtió $ 287 millones en infraestructura de tecnología y seguridad en 2022, con Algoritmos de aprendizaje automático procesar más de 50 mil millones de puntos de datos de transacción anualmente.

Métricas de prevención de fraude	Datos 2022
Inversión tecnológica	$ 287 millones
Puntos de datos de transacciones anuales	50 mil millones

Servicios de tecnología financiera innovadores

Los pagos globales asignaron $ 625 millones para la investigación y el desarrollo en tecnologías financieras emergentes durante 2022.

• Soluciones de pago de inteligencia artificial
• Integración de blockchain
• Plataformas de pago en tiempo real
• Tecnologías de pago transfronterizas

Global Payments Inc. (GPN) - Modelo de negocio: relaciones con los clientes

Equipos de gestión de cuentas dedicados

Global Payments mantiene 4.500 profesionales de gestión de cuentas dedicados en 35 países. La compañía atiende a más de 3.5 millones de clientes comerciales con estrategias personalizadas de gestión de relaciones.

Métrica de gestión de cuentas	2024 estadísticas
Gerentes de cuentas totales	4,500
Cobertura global	35 países
Base de clientes comerciales	3.5 millones

Servicios de atención al cliente 24/7

Global Payments opera 12 centros internacionales de atención al cliente con 2.200 agentes de soporte. El volumen anual de interacción del cliente alcanza aproximadamente 18.6 millones de solicitudes de soporte.

• Ubicaciones del centro de apoyo: América del Norte, Europa, Asia-Pacífico
• Agentes de soporte total: 2,200
• Interacciones de apoyo anual: 18.6 millones

Consultoría de soluciones de pago personalizadas

La compañía ofrece servicios de consultoría especializados para 7 verticales de la industria, con el 65% de los clientes empresariales que reciben recomendaciones de arquitectura de pago personalizado.

Servicio de consultoría	Cobertura
Verticales de la industria	7
Clientes empresariales con soluciones personalizadas	65%

Plataformas de autoservicio digital

Pagos globales Las plataformas digitales procesan $ 285 mil millones en volumen de transacciones anuales. El uso de la plataforma móvil y web aumentó en un 42% en 2023.

• Volumen de transacción digital anual: $ 285 mil millones
• Crecimiento del uso de la plataforma: 42%
• Usuarios digitales activos: 2.1 millones

Innovación tecnológica continua y participación del cliente

La compañía invirtió $ 412 millones en I + D durante 2023, centrándose en tecnologías de pago impulsadas por IA y soluciones mejoradas de experiencia del cliente.

Métrica de innovación	2023 datos
Inversión de I + D	$ 412 millones
Nuevas patentes de tecnología	37
Iniciativas de mejora de la experiencia del cliente	18

Global Payments Inc. (GPN) - Modelo de negocio: canales

Equipos de ventas directos

Global Payments mantiene una fuerza de ventas directas de 6.500 representantes de ventas a partir de 2023. Estos equipos generan ingresos de ventas anuales de aproximadamente $ 4.2 mil millones a través de interacciones directas del cliente.

Métrica del equipo de ventas	2023 datos
Representantes de ventas totales	6,500
Ingresos de ventas directos	$ 4.2 mil millones

Portales de pago en línea

Global Payments procesa más de 10.300 millones de transacciones digitales anualmente a través de sus plataformas de pago en línea. Los canales digitales de la compañía generan $ 3.8 mil millones en ingresos por transacciones.

• Transacciones digitales totales: 10.300 millones por año
• Ingresos de transacción de plataforma en línea: $ 3.8 mil millones
• Usuarios de pago en línea activos: 2.7 millones

Aplicaciones de pago móvil

Pagos globales Aplicaciones móviles Procesar 4.600 millones de transacciones móviles con un valor de transacción total de $ 1.5 billones en 2023.

Métricas de pago móvil	2023 datos
Transacciones móviles	4.600 millones
Valor de transacción total	$ 1.5 billones

Redes de referencia de socios

Global Payments colabora con 125,000 redes de socios, generando $ 2.9 mil millones a través de canales de referencia y asociación.

• Redes de socios totales: 125,000
• Ingresos del canal de asociación: $ 2.9 mil millones
• Tasa promedio de la comisión de socios: 3.2%

Conferencias y exposiciones de tecnología financiera

Global Payments participa en 47 principales conferencias de tecnología financiera anualmente, generando adquisición de plomo y oportunidades de visibilidad de la marca.

Métricas de participación de la conferencia	2023 datos
Conferencias totales a las que asistió	47
Nuevos clientes potenciales generados	3,200

Global Payments Inc. (GPN) - Modelo de negocio: segmentos de clientes

Pequeñas y medianas empresas

Global Payments atiende a aproximadamente 3.5 millones de pequeñas y medianas empresas en varias industrias. La Compañía procesa el volumen de transacción anual de $ 643 mil millones para este segmento de clientes.

Categoría de tamaño del negocio	Número de empresas atendidas	Volumen de transacción anual
Micro empresas	1.2 millones	$ 187 mil millones
Pequeñas empresas	1.8 millones	$ 342 mil millones
Empresas medianas	500,000	$ 114 mil millones

Grandes corporaciones empresariales

Global Payments respalda más de 1,500 grandes corporaciones empresariales con procesamiento anual de transacciones de $ 1.2 billones.

• Fortune 500 Clientes: 250
• Global 2000 Companies: 350
• Ingresos anuales del segmento empresarial: $ 2.4 mil millones

Plataformas de comercio electrónico

La Compañía procesa $ 456 mil millones en transacciones anuales de comercio electrónico en 250,000 comerciantes en línea.

Segmento de comercio electrónico	Volumen de transacción	Número de comerciantes
Comercio electrónico minorista	$ 276 mil millones	150,000
Servicios digitales	$ 108 mil millones	65,000
Mercados digitales	$ 72 mil millones	35,000

Industrias minoristas y de hospitalidad

Global Payments atiende a 750,000 negocios minoristas y de hospitalidad con un volumen de transacciones anuales de $ 524 mil millones.

• Restaurantes: 325,000 ubicaciones
• Tiendas minoristas: 275,000 ubicaciones
• Hoteles y alojamiento: 150,000 ubicaciones

Instituciones y bancos financieros

La compañía proporciona soluciones de pago a 1,200 instituciones financieras con un procesamiento anual de transacciones de $ 876 mil millones.

Tipo de institución	Número de instituciones	Procesamiento de transacciones
Bancos regionales	650	$ 342 mil millones
Coeficientes de crédito	350	$ 214 mil millones
Bancos nacionales	200	$ 320 mil millones

Global Payments Inc. (GPN) - Modelo de negocio: Estructura de costos

Inversiones de infraestructura tecnológica

Global Payments Inc. invirtió $ 1.37 mil millones en infraestructura tecnológica en el año fiscal 2023. Los gastos de capital de la compañía para el desarrollo de tecnología fueron de aproximadamente $ 521 millones.

Categoría de inversión tecnológica	Cantidad (USD)
Inversión en infraestructura de tecnología total	$ 1.37 mil millones
Gastos de capital para la tecnología	$ 521 millones
Infraestructura de computación en la nube	$ 287 millones
Sistemas de ciberseguridad	$ 164 millones

Gastos de investigación y desarrollo

Los pagos globales asignaron $ 612 millones a la investigación y el desarrollo en 2023, lo que representa el 4.8% de los ingresos totales.

• Desarrollo de software: $ 342 millones
• I + D de tecnología de pago: $ 184 millones
• Investigación de inteligencia artificial: $ 86 millones

Gastos de ventas y marketing

La compañía gastó $ 743 millones en ventas y marketing en el año fiscal 2023.

Canal de marketing	Gasto (USD)
Marketing digital	$ 276 millones
Ventas directas	$ 367 millones
Marketing de ferias comerciales y eventos	$ 100 millones

Cumplimiento y costos regulatorios

Los pagos globales incurrieron en $ 412 millones en gastos de cumplimiento y regulación en 2023.

• Cumplimiento regulatorio: $ 218 millones
• Servicios de asesoramiento legal: $ 124 millones
• Auditoría y gestión de riesgos: $ 70 millones

Gastos operativos globales

Los gastos operativos globales totales para los pagos globales alcanzaron los $ 2.1 mil millones en 2023.

Categoría de gastos operativos	Cantidad (USD)
Costos de personal	$ 1.24 mil millones
Mantenimiento de la instalación	$ 386 millones
Infraestructura de red global	$ 470 millones

Global Payments Inc. (GPN) - Modelo de negocios: flujos de ingresos

Tarifas de procesamiento de transacciones

Global Payments Inc. generó $ 4.31 mil millones en ingresos por procesamiento de transacciones en el año fiscal 2023. La Compañía procesó aproximadamente 54 mil millones de transacciones a nivel mundial durante el mismo período.

Tipo de transacción	Ingresos ($ M)	Volumen de transacción
Procesamiento de tarjetas de crédito	1,892	22.3 mil millones
Procesamiento de tarjetas de débito	1,456	18.7 mil millones
Métodos de pago alternativos	962	13 mil millones

Cargos de servicio comercial

Los cargos de servicio comercial totalizaron $ 2.87 mil millones en 2023, lo que representa una tasa de tarifas promedio de 2.4% por transacción.

• Servicios comerciales minoristas: $ 1.24 mil millones
• Servicios comerciales en línea: $ 1.03 mil millones
• Servicios comerciales de pequeñas empresas: $ 600 millones

Ingresos de licencia y suscripción de software

Global Payments reportó $ 1.65 mil millones en ingresos por licencias de software y suscripción para el año fiscal 2023.

Categoría de software	Ingresos ($ M)	Base de suscriptores
Software de pago	892	127,000 negocios
Software de gestión financiera	458	86,000 suscriptores
Soluciones de pago integradas	300	45,000 clientes

Tarifas de servicio de la pasarela de pago

Las tarifas de servicio de la pasarela de pago ascendieron a $ 1.23 mil millones en 2023, con una tarifa promedio de $ 0.22 por transacción.

• Servicios de Gateway de comercio electrónico: $ 789 millones
• Pasarela de pago móvil: $ 441 millones

Servicios de tecnología financiera de valor agregado

Los servicios de tecnología financiera de valor agregado generaron $ 1.76 mil millones en ingresos durante el año fiscal 2023.

Categoría de servicio	Ingresos ($ M)	Segmento de clientes
Soluciones de prevención de fraude	612	Clientes empresariales
Servicios de análisis de datos	534	Negocios de mercado medio
Plataformas de pago integradas	614	Empresas pequeñas y medianas

Global Payments Inc. (GPN) - Canvas Business Model: Value Propositions

You're looking at what Global Payments Inc. offers to its customers-the core reasons why a merchant or partner would choose them over the competition right now, especially considering the pending Worldpay integration.

Unified commerce solutions for seamless in-person and online payments.

Global Payments Inc. delivers a single commerce platform designed to simplify payment acceptance across all touchpoints. This isn't just linking systems; it's about providing one solution for every channel, region, and device, ensuring a smooth buying experience even if a customer switches from in-store to online during their journey. The platform supports acceptance for all major debit and credit payment types, including digital wallets. You see this focus in their product suite, which includes cloud-based Point of Sale (POS) solutions, mobile acceptance, and the ability to integrate payment technology directly into existing software quickly.

Global scale, serving over 6 million merchants in 175 countries.

The scale Global Payments Inc. offers, particularly post-announced transactions, is a major draw. They are positioning themselves as a global leader with extensive reach. This scale translates directly into the ability to support businesses looking to expand internationally or manage complex, multi-region operations from a single provider. The company has approximately 27,000 team members worldwide to support this reach.

Here's a snapshot of the scale and financial positioning based on recent projections and reported figures:

Metric	Value	Context/Date
Projected Pro Forma Adjusted Net Revenue	$12.5 billion	Expected 2025 Annual (Post-Transaction)
Projected Customers Served	More than 6 million	Combined Scale (Post-Transaction)
Projected Countries of Operation	More than 175	Combined Scale (Post-Transaction)
Projected Payments Volume Processed	$3.7 trillion	Combined Scale (Post-Transaction)
Q3 2025 Adjusted Net Revenue	$2.43 billion	Reported Q3 2025

Integrated software that embeds payments directly into business operations.

A key value is moving payments from a separate function into the core of a business's workflow. This is critical for B2B environments where embedded payments are transforming processes by building transactions directly into business processes and supply chains. For small and midmarket businesses, there's a noted trend toward increasing investment in unified commerce platforms to integrate back-end operations. The Genius point of sale solution is an example of this focus on modern, integrated technology.

The value delivered through integration includes:

• Quick API integration for embedded payments.
• Cloud-native platform for agility.
• Software solutions for every industry vertical.
• Fast, digital onboarding processes.

Enhanced financial profile with pro forma adjusted net revenue of $12.5 billion.

The announced strategic moves are explicitly designed to deliver an enhanced financial profile. The expected pro forma adjusted net revenue for 2025 is approximately $12.5 billion, coupled with an expected adjusted EBITDA of approximately $6.5 billion, inclusive of run-rate expense synergies. Furthermore, the company projects significant expected expense synergies of $600 million and revenue synergies of at least $200 million from the combination. For the full year 2025, the company reaffirmed its outlook for constant currency adjusted net revenue growth in the range of 5% to 6%, excluding dispositions.

High-security and fraud protection for all transaction types.

Security is foundational, especially when handling the massive volume of transactions. The company emphasizes providing robust security and fraud protection across its offerings. For instance, specific solutions, like those for K-12 education, are built with PCI and CISP security standards to ensure the privacy and protection of payment information. This commitment extends to offering features like authentication and authorization services as part of their core processing capabilities.

Global Payments Inc. (GPN) - Canvas Business Model: Customer Relationships

You're looking at how Global Payments Inc. manages the connection with its millions of clients, which is clearly segmented by size and need. Honestly, the relationship model reflects their massive scale, serving more than 6 million customers globally after the Worldpay integration announcements in early 2025. With a global team of approximately 27,000 team members across 38 countries, the structure has to be tiered to manage that volume effectively.

The core of their relationship strategy is clearly segment-driven, moving from high-touch service for the largest players to scalable digital tools for smaller merchants. The company explicitly states they help merchants and issuers, from a small business to a complex enterprise.

Customer Segment Focus	Scale Metric / Data Point	Strategic Insight from 2025 Data
Total Global Customers (Combined)	More than 6 million	Massive scale requiring tiered relationship management
Merchants Served (Core Payments)	5 million	Focus on in-person, online, and on-the-go transaction enablement
SMB/Midmarket Investment Priority	67% (SMB) and 71% (Midmarket)	High likelihood to increase investment in unified commerce platforms
Analyst/Decision-Maker Reach	600 surveyed	In-depth understanding driving 2025 Commerce and Payment Trends Report insights

Dedicated account managers for large enterprise and mid-market clients

For your largest clients, the relationship is definitely high-touch. While specific numbers on dedicated account managers aren't public, the strategic focus on enterprise clients, such as the launch of the Genius Solution for enterprise customers in the US, signals a push for scalable and customizable technology partnerships. The structure supports this by having a global team working as one to give a seamless experience. The enterprise segment is noted as being more cautious about data privacy compared to smaller firms, which necessitates a dedicated, consultative relationship to navigate these concerns.

Self-service digital tools and portals for small businesses

Small businesses (SMBs) are served through scalable, digital-first offerings. The company emphasizes solutions that adapt and scale for any-size business, including embedded and integrated payments that are easy to plug into existing solutions. The focus on the Genius point of sale (POS) solution, which is user-friendly, is a key part of this, as rising use of POS systems aids the merchant solutions business. SMBs show more enthusiasm for potential AI applications than enterprises, suggesting their self-service tools are integrating newer, accessible technologies.

24/7/365 customer support and technical assistance

Global Payments Inc. commits to providing dedicated support every step of the way for its customers. This implies a global support infrastructure capable of handling commerce that doesn't stop. The scale of 27,000 team members worldwide is what underpins this global coverage across North America, Europe, Asia Pacific, and Latin America. The goal is a seamless experience, which requires robust, always-on technical assistance for payment processing.

Strategic consulting on payments optimization and technology adoption

Consulting is embedded in their product strategy, especially around complex topics like unified commerce and AI. The annual Commerce and Payment Trends Report, based on discussions with industry experts and 600 decision-makers, serves as a primary vehicle for this thought leadership and implied consulting. The focus areas for optimization in 2025 include payment orchestration, which helps businesses route transactions through the most cost-effective providers, improving operational efficiency. Furthermore, the company is positioning itself to help businesses master payment technologies, which is critical for success at all company sizes.

Finance: draft 13-week cash view by Friday.

Global Payments Inc. (GPN) - Canvas Business Model: Channels

You're looking at how Global Payments Inc. gets its solutions to market as of late 2025, which is heavily focused on merchant solutions following the strategic realignment.

Direct sales force for enterprise and mid-market accounts remains a critical engine, especially for driving adoption of newer platforms. The Genius retail platform, for instance, saw record sales in the U.S. direct channel, delivering 37% growth year-over-year in the second quarter of 2025. Furthermore, internal investments in marketing automation are paying off, with qualified leads increasing by 13% quarter-over-quarter, and the real-time messaging platform emerging as the top-performing channel for those sales qualified leads. The company is actively simplifying the merchant journey, having more than doubled its automated approval rate through a unified provisioning and activation process.

The indirect channel via bank and financial institution referrals is part of the broader distribution mix, alongside trade associations and independent sales organizations. While specific revenue attribution for this segment isn't broken out separately in the latest reports, it supports the overall Merchant Solutions segment, which is expected to deliver adjusted net revenue growth of roughly 6% on a constant currency basis, excluding dispositions, for the full year 2025.

The integrated channel through ISVs and software partners is a key area of expansion, particularly as Global Payments Inc. focuses on its developer experience. They added 85 new ISV partners during the second quarter of 2025, seeing strength as they extend offerings into new international regions. The strategy here involves transforming the integration experience into an AI-led, developer-first platform with a unified suite of APIs and an orchestration layer. This integrated segment contributes to the core payments business growth, which achieved growth at the 'high end of low single digits' in Q2 2025.

E-commerce and digital channels for online merchant onboarding are supported by the company's presence in the digital merchant onboarding platform market. Global Payments Integrated holds a significant market share, estimated to be part of a group accounting for 35-40% of the total market, which is projected to reach $1401 million in 2025. The focus on digital streamlining helps attract merchants seeking seamless, user-friendly onboarding experiences.

Here's a look at some channel-relevant metrics as of mid-2025:

Channel Component	Metric/Data Point	Value/Rate
U.S. Direct Channel (Genius Retail)	Year-over-Year Growth (Q2 2025)	37%
Marketing Automation	Qualified Lead Growth (QoQ)	Up 13%
ISV Partner Expansion	New Partners Added (Q2 2025)	85
Digital Onboarding Market Share	Estimated Collective Share (with key competitors)	35-40%
Merchant Business (Overall Outlook)	FY 2025 Adjusted Net Revenue Growth (ex-dispositions)	5% to 6%

The overall channel strategy is supported by a commitment to simplifying access to their full suite of capabilities through a single marketplace entry point, leveraging a modern processing and orchestration platform to distribute products seamlessly across channels and geographies.

• Investments in AI are aimed at enhancing efficiency across marketing and customer engagement channels.
• The company is working to unify its over 20 CRM instances onto a common data platform to improve channel effectiveness.
• International markets like Central Europe, LatAm, and Asia Pacific showed strength, achieving 'high single-digit or greater growth' in Q2 2025.
• The company is focused on accelerating growth in the B2B market, where they were historically underpenetrated.

Global Payments Inc. (GPN) - Canvas Business Model: Customer Segments

You're looking at the customer base for Global Payments Inc. as of late 2025, post-major strategic moves. The focus is clearly on merchant acquiring and software solutions, amplified by the integration of Worldpay.

Small and Mid-sized Businesses (SMBs) globally

This segment represents the core volume and breadth of the Global Payments Inc. footprint. The company powers approximately 5 million merchants' in-person, online, and on-the-go transactions through its core payments offering. To be fair, this number reflects a massive installed base that requires scalable, easy-to-deploy solutions like the Genius POS offering.

Data from Global Payments Inc.'s 2025 Commerce and Payment Trends Report indicates a strong appetite for platform modernization within this group. Specifically:

• 67% of SMBs are more likely to increase or significantly increase their investments in unified commerce platforms.
• 71% of midmarket companies show a similar inclination toward increasing investment in unified commerce.

Large Enterprise and Multinational Merchants

Serving the largest players involves providing global scale and complex processing capabilities, which is a key driver behind the strategic acquisition of Worldpay. The combined entity is expected to have a pro forma 2025 annual adjusted net revenue of approximately $12.5 billion, inclusive of run-rate expense synergies. This scale is necessary to support the cross-border and high-volume needs of multinational clients.

The Merchant Solutions segment, which houses these large clients, showed strong recent performance, with adjusted net revenue reaching $1.692 billion in the first quarter of 2025, representing constant currency growth of approximately 6%, excluding dispositions.

Integrated Software Vendors (ISVs) and developer partners

This segment is crucial for embedding payment functionality directly into business workflows, moving beyond simple point-of-sale interactions. Global Payments Inc. is amplifying its integrated and embedded capabilities for these partners, complementing existing offerings with solutions like Worldpay's Payrix. The strategy here is to simplify the plug-in process for any-size business looking to offer payment acceptance.

The overall Merchant Solutions business is a significant revenue driver, as evidenced by the $2.36 billion in adjusted net revenue reported for the second quarter of 2025 (constant currency ex-dispositions).

Specific vertical markets like restaurant, retail, and healthcare

Global Payments Inc. tailors its software and point-of-sale solutions to specific industry needs, making the technology industry-ready for sectors like restaurant, retail, and healthcare. These verticals rely on the company's ability to integrate payments with operational software, turning the POS into a true "Place of Service."

The company's overall financial scale in late 2025 reflects the aggregate performance across all these customer types. Here's a quick look at the top-line figures:

Metric	Value as of Late 2025
Revenue (12 Months Ending September 30, 2025)	$10.094B
Q2 2025 Adjusted Net Revenue (Ex-Dispositions)	$2.36 billion
Expected Full Year 2025 Adjusted Net Revenue Growth (Constant Currency, Ex-Dispositions)	5% to 6%
Team Members Worldwide	Approximately 27,000

The company's global reach spans 38 countries, supporting these diverse customer segments internationally.

Global Payments Inc. (GPN) - Canvas Business Model: Cost Structure

You're looking at the expense side of Global Payments Inc.'s operations as of late 2025, right after some major strategic moves. This is where the rubber meets the road for profitability.

The overall expense base is significant, reflecting the scale of a global payments technology leader. For instance, the Operating expenses in the first quarter of 2025 hit $1.94 billion. That number shows the immediate outlay required just to run the business before considering the big integration projects.

A major component of the cost structure involves the necessary spend to keep the technology running smoothly. You've got significant technology and platform maintenance expenses baked into the Cost of Service and SG&A lines. For the nine months ended September 30, 2025, the Cost of Service was reported at $1,544,335 thousand, or about $1.544 billion. This covers the core infrastructure supporting merchant and issuer solutions.

The high cost of sales related to interchange and card network fees is inherent to the business model, though specific interchange/network fee breakdowns aren't always isolated in the high-level reports. These are the pass-through costs that directly scale with transaction volume, which is why margin management is so critical.

Personnel is another substantial cost center. Global Payments Inc. supports its operations with approximately 27,000 team members across 38 countries. Managing the compensation and benefits for this global sales and technology workforce represents a fixed and variable cost that must be tightly controlled, especially as they roll out initiatives like the revamped U.S. sales incentive plan.

The ongoing transformation, particularly the Worldpay acquisition, brings specific M&A integration costs into focus. Management is actively working to realize value from this, targeting at least $600 million in annual cost synergies from the Worldpay acquisition, aiming to achieve this run-rate by mid-2027. To be fair, realizing these savings involves upfront spending. For the three months ending September 30, 2025, Selling, general and administrative (SG&A) expenses included $104.6 million for acquisition, integration, and separation expenses, alongside $100.6 million in charges for business transformation activities. That's real money spent to reshape the organization.

Here's a look at some of the key cost line items from the nine months ended September 30, 2025, compared to the prior year, to give you a clearer picture of the scale:

Cost Category (Nine Months Ended Sep 30)	2025 Amount (in thousands USD)	2024 Amount (in thousands USD)
Cost of Service	1,544,335	1,508,079
Selling, General and Administrative	2,991,571	3,016,975
Total Operating Expenses (Reported)	4,187,755	4,525,054

You can see that while SG&A slightly decreased year-over-year for the nine-month period, specific integration costs are high right now. Also, keep an eye on these specific transformation charges:

• Charges for business transformation activities (Q3 2025): $100.6 million.
• Acquisition, integration and separation expenses (Q3 2025): $104.6 million.
• Technology asset write-offs under new architecture (Q3 2024): $55.8 million.

Finance: draft 13-week cash view by Friday.

Global Payments Inc. (GPN) - Canvas Business Model: Revenue Streams

Pro forma annual adjusted net revenue expected to be $12.5 billion for 2025, inclusive of run-rate expense synergies related to the Worldpay transaction.

The company reaffirms its full year 2025 outlook for constant currency adjusted net revenue growth in the range of 5% to 6%, excluding dispositions.

For the third quarter ended September 30, 2025, adjusted net revenue was $2.43 billion, representing a constant currency increase of 6% excluding dispositions.

For the second quarter ended June 30, 2025, adjusted net revenue was $2.36 billion, an increase of 5% constant currency excluding dispositions.

For the first quarter ended March 31, 2025, Merchant Solutions adjusted net revenue was $1.69B and Issuer Solutions adjusted net revenue was $528.8M.

Revenues increased, driven by growth in software subscription fees, excluding the AdvancedMD business disposed of in December 2024.

Revenues in the core payments solutions service line declined $28.4 million for the three months ended June 30, 2025, or 3.6%.

The following table presents key revenue and fee data points relevant to Global Payments Inc. revenue streams as of late 2025:

Revenue/Fee Component	Associated Metric/Value	Period/Context
Pro Forma Annual Adjusted Net Revenue Expectation	$12.5 billion	Fiscal Year 2025 (Combined Company)
Q3 2025 Adjusted Net Revenue	$2.43 billion	Three Months Ended September 30, 2025
Q3 2025 Adjusted Net Revenue Growth (ex-dispositions)	6% constant currency	Three Months Ended September 30, 2025
Core Payments Solutions Revenue Decline	$28.4 million	Three Months Ended June 30, 2025
Core Payments Solutions Revenue Decline Percentage	3.6%	Three Months Ended June 30, 2025
Merchant Solutions Adjusted Net Revenue	$1.69B	Q1 2025
Issuer Solutions Adjusted Net Revenue	$528.8M	Q1 2025

Regarding transaction processing fees, customer-side observations indicate:

• Merchants typically pay around 2.5% total to process transactions upon initial sign-up.
• Global Payments Inc.'s markup starts around 0.15% to 0.20% per transaction.
• Observed rates have been seen upwards of 3.5% with markups around 0.45% plus 45 cents per transaction.

Value-added service fees, based on merchant statement examples, include:

• Risk assessment fee of 0.15% plus 15 cents per transaction.
• Network and compliance fee of $140.
• Monthly fee for analytics reputation management of $45.

Subscription and licensing fees for proprietary software solutions are a growth driver, with revenues increasing driven by software subscription fees.

Terminal and equipment rental/sales revenue data is not explicitly detailed in the available financial summaries for the required period.