APIs are increasingly doing the operational work between partners, moving merchant information through onboarding, approval, boarding and processing systems. Jonathan Aguilar, AVP of Strategic Growth at Maverick Payments, told PYMNTS that the model increasingly depends on giving partners the infrastructure to operate through multiple channels. For ISOs, merchant acquisition and servicing remain central functions. ISVs can integrate merchant onboarding and payments into software environments without creating separate processes for every merchant. That could make the payments ecosystem look increasingly like a network of networks: payment providers supporting ISOs, ISOs supporting agents and sub-agents, and ISVs distributing payments through software to large merchant populations.