In-Store Payments Re-imagined 

Delivering seamless multi-channel retail experiences

We believe that retail will undergo significant transformation in the coming years. To be successful, retailers will have to combine the best aspects of in-store and online to provide an attractive, seamless experience. For this, the payment experience will need to be fully integrated, providing innovative and frictionless methods to complete each sale.

Combining our extensive experience and research into payments, in this whitepaper, we provide you with insights into the road ahead – the retail payment technologies that are emerging on the horizon and what steps you can take now to seize the great opportunities that they will bring.

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Key Takeaways of the Whitepaper

New payment experiences
accelerate transformation
of stores

The pandemic has accelerated the shift of the retail sector towards the adoption of new digital payment experiences for physical stores.

For consumers, the payment experience can be a differential factor in their purchase decision. Retailers who adopt innovative solutions can achieve a competitive advantage allowing them to differentiate themselves from their competitors

Customer Experience
with a ROI

New payment technologies are revolutionizing the customer experience at the point of sale, offering merchants a great return on investment

From omnichannel
to user centric

Thinking about the short and mid-term, retailers will need to focus on an omnichannel strategy to increase customer loyalty and retention by providing a seamless in-store experience

New in-store

The adoption of new technologies at the point of sale offers retailers the possibility of designing new journeys for customers that increase safety, improve interaction with their services and products, and eliminate friction during checkout payments

Biometrics as enabler
for frictionless payments

With proper regulation, biometrics could be a serious candidate to become one of the most important new pillars of transformation for payment services in the coming years

From Point of Sales
to Point of Interaction

Point of Sale payment terminals are evolving to a Point of Interaction with new devices providing added value services in addition to payment acceptance

From self check-out
to autonomous check-out

The checkout process has been the catalyst for new shopping experiences. Autonomous check-out will gain momentum in the coming years once supporting technologies become affordable for all types and sizes of store

of e-wallets

E-wallets will play a leading role for those retailers that want to develop loyalty strategies that include payment experiences for their customers and want to control the entire value chain

Emergence of account-based payment at store

It is expected that there will be increasing adoption of the account-based payment models due to the savings in commissions that it can mean for retailers, especially those who work with very tight profit margins.


Due to the great cultural, social and regulatory differences, technological adoption is expected at different speeds between countries which therefore requires localized rather than globalized strategies for multinational merchants. It is important to engage and listen consumers when adopting all new payment mechanisms.

At Worldline, we continue to research the new in-store payment experiences together
with our clients and our partners, exploring and testing innovative solutions and use cases.

Watch these videos to learn more:

The single convergence platform for all payments for Europe and beyond
WL One Commerce Hub -a new world of omnichannel possibilities ›
In case you missed our Director of Sales GSV for Northern Europe, Lee Jones’, talk at @Merchant Payments Ecosystem, it is now available on demand. 

Lee Jones speaking at Merchant Payment Ecosystem ›
LinkPlus is a smart, trusted and secure solution enabling online businesses to send payments through a link or QR code, removing the need to manually process unsecured credit card details or banking information.
LinkPlus is a simple and secure solution for businesses who handle payments over the phone ›
How to store digital currencies (also known as Stablecoin) in your mobile wallet and make transactions in your everyday life? 
Follow Nicolas and Clement to learn how digital currency works in three daily scenarios: online payment, offline payment, and in-store transactions. 
WL Digital Currency Showcase ›