Find out how SoftPOS and MPoC Powers Omnichannel Payments ?

What is MPoC and Why Does It Matter?

MPoC stands for Mobile Payments on COTS (Commercial Off-The-Shelf devices). It’s a standard created by the PCI Security Standards Council that sets out how mobile payment solutions must be designed, tested, and deployed to remain secure. MPoC certification focuses on three key elements: Firstly, security is addressed through end-to-end encryption, tokenization, and secure key management to protect transaction data. Secondly, the app and SDK architecture ensures that apps built on SoftPOS platforms comply with the necessary standards. Lastly, user experience is a crucial aspect, as it safeguards cardholder data without compromising the performance of the payment system.

Why it matters - MPoC-compliant SoftPOS solutions reduce the risk of fraud and data breaches, making mobile payment acceptance safer for merchants and customers.

What are Omnichannel Payments?

Omnichannel payments enable customers to pay seamlessly across various channels – whether in-store, online, in-app, or even on delivery. For instance, a customer could start shopping online, then pay in-store using Tap to Pay, and later return the product for a refund through the original payment method – all without any friction. 

This seamless experience is possible only if the merchant’s payment system supports cross-channel visibility, centralized reporting, and real-time synchronization across all touchpoints.

How Do SoftPOS and MPoC Enable Omnichannel Payments?

SoftPOS and MPoC work together to make omnichannel payments simple, secure, and scalable. SoftPOS apps can integrate with backend platforms, creating a unified infrastructure that syncs online and offline transactions. MPoC ensures secure mobile payment acceptance, even on consumer-grade devices. This makes it cost-effective for merchants to scale payment capabilities across staff and locations using existing phones. 

Plus, real-time data sync helps maintain consistent inventory tracking and streamlined refund processes.SoftPOS and MPoC remove the hardware and integration barriers that once held omnichannel payments back, making secure, consistent checkout possible across physical, digital, and mobile touchpoints.

Industries Streamlining Omnichannel Payments with SoftPOS + MPoC

SoftPOS and MPoC are revolutionizing payment acceptance across industries, offering businesses a cost-effective, secure, and hardware-free solution. From retail to field services, these technologies enable seamless transactions, improving efficiency and customer satisfaction.

• Retail – Chain stores and small shops can issue mobile devices to staff for line-busting, pop-up sales, or quick checkout without adding hardware. The ability to accept Tap to Pay transactions allows businesses to improve the customer experience with mobile point of sale solutions.
• Food Delivery – Delivery agents can accept secure mobile payments on the spot with no additional terminals, ensuring compliance with SoftPOS security and PCI MPoC compliance while streamlining payment processing.
• Transportation and Ticketing – Bus conductors or station agents can collect payments using a phone with SoftPOS, cutting costs and setup time while benefiting from MPoC certification to ensure secure and compliant transactions.
• Events and Pop-Ups – Vendors at temporary stalls or outdoor events no longer need bulky terminals. SoftPOS adoption simplifies mobile payment acceptance, allowing for quick and efficient transactions wherever business is conducted.
• Field Services – Service agents like plumbers or technicians can collect payments through their phones, improving cash flow and ensuring secure, contactless payment acceptance without the need for a traditional contactless payment terminal.

SoftPOS and MPoC are transforming how businesses handle payments, driving efficiency, reducing costs, and ensuring secure, contactless transactions across diverse industries.

Challenges and Considerations

SoftPOS adoption is on the rise, but there are a few things businesses should keep in mind. Not all smartphones are NFC-enabled or meet the security requirements for MPoC certification, which limits device compatibility. This can affect rollout speed and consistency across different teams or locations using mobile point of sale. A stable internet connection is often needed for real-time processing, which makes internet dependency a concern in areas with poor connectivity. On top of that, teams must be properly trained on using the app and following SoftPOS security protocols to minimise errors and protect sensitive payment data during customer transactions.

There’s also the issue of customer perception—some users still trust traditional contactless payment terminals more than smartphone-based options. However, using an MPoC-certified provider means most concerns around PCI MPoC compliance and data protection have already been addressed, making it easier for businesses to offer secure and flexible payment experiences.

One Checkout Experience, Everywhere

If rising costs, hardware constraints, or fragmented systems are holding your business back, SoftPOS and MPoC offer a practical way forward. By turning smartphones into secure payment terminals and ensuring compliance through MPoC, businesses can finally deliver a consistent checkout experience—in-store, online, or at the doorstep. No extra hardware. No silos. Just one smooth payment flow that meets your customers wherever they are.

Ready to explore SoftPOS solutions built for omnichannel retail?
Talk to our experts at Worldline to get started.