The evolution of unified commerce: How in-person payments are shaping the future of retail

Omnichannel retail is growing in popularity as shoppers seek more convenient ways to combine their in-person and online commerce journeys. Whether they’re buying on an app and picking up curbside or using a digital kiosk in-store, modern shoppers want personalized options that bridge the gap between touch points.

To keep up with these changing expectations, merchants need an integrated payment solution that helps streamline experiences across channels and boosts revenue. Each payment isn’t just a one-off transaction — it’s an opportunity to delight customers with personalized offerings and build lasting relationships.

Learn more about how in-person payments are shaping the future of retail and how PayPal Braintree can help you transform your omnichannel strategies.

The unified payments landscape for retailers

In today’s omnichannel retail landscape, consumers expect seamless, personalized experiences whether they’re shopping in-store, online, on their mobile devices, or through a combination of these platforms.

In one survey conducted in 2022, 50% of consumers said they intend to increase their online spending over the next six months and, at the same time, 50% said they also expect to continue shopping in physical stores.1 One-third of consumers ranked a retailers website as the top source of pre-purchase information.1 In fact, 65% of business globally added omnichannel capabilities like buy online, pick up in store, shop to store, and ship from store to their purchase processes in 2022 to optimize their operations to cope with the economic environment.2

Certain payment trends have also emerged as customers move away from traditional payment methods like cards and adopt alternative options like digital wallets, mobile payments, and buy now, pay later. As Forrester found, 49% of consumer respondents globally say tap to pay for in person purchases is important when it comes to creating the ideal shopping research and buying experience when paying for a product.2 In fact, alternative payment methods are expected to grow faster than credit and debit card payments between 2022 and 2027.3

Evidently, the need for a unified commerce solution has never been more pressing. With a unified platform, merchants can help deliver consistent and personalized shopping experiences on each channel and gain a more comprehensive view of each customer's transactions. Showing shoppers that you know their individual preferences for a certain type of payment or in-store pickup location can reinforce how much you value their business.

How does PayPal Braintree work across channels?

To keep up with changing consumer behaviors, large retailers may have trouble bridging the gap between payment channels, securely storing and managing customer data, and meeting shoppers with their choice of global payment methods. That’s where in-person payment solutions like PayPal Braintree can help.

PayPal Braintree In-Person is a payment processing solution that allows merchants to accept payments in person, integrating these transactions seamlessly with their online and mobile channels. It's designed to provide a consistent and seamless payment experience across all customer touchpoints, helping merchants increase revenue and reduce churn.

By storing data in a unified payment solution, enterprises can better understand how, where, and why their customers shop, and meet them with the preferred payment options — including cards, digital wallets, cryptocurrencies, and bank transfers — across channels.

What sets Braintree In-Person payments apart?

PayPal In-Person helps provide the tools retailers need to streamline payments and exceed customer expectations, working to transform every interaction into a unique experience. This is crucial in today’s retail landscape where businesses need to quickly adapt to survive — or risk losing customer loyalty and market share.

With PayPal Braintree In-Person, businesses can take advantage of:

  • Seamless omnichannel integration. Merchants can help offer customers a consistent and unified experience whether they’re shopping online, on mobile, or in store.
  • Advanced data insights. Thanks to PayPal’s extensive data from its two-sided payment processing network, merchants can gain valuable insights into customer behaviors and preferences, enabling personalized marketing and sales strategies.
  • Improved customer engagement. By providing a seamless and personalized shopping experience, merchants can enhance customer satisfaction and loyalty.
  • Enhanced security and fraud prevention. PayPal Braintree offers robust security measures, including tokenization, payment card industry (PCI) compliance, and fraud protection, helping to improve safety for both merchants and customers.

Reshape unified payments with PayPal In-Person

PayPal In-Person is more than a payment processing service. It's a powerful payment solution designed to enhance the entire retail experience by making payments simpler and more secure for shoppers while helping to give businesses flexible and reliable tools.

Here’s a closer look at what PayPal In-Person offers as a leader in retail payment solutions:

  • Extensive experience. PayPal has a deep understanding of both online and offline payment ecosystems, processing over 20 billion global transactions across 200+ markets each year.
  • Commitment to personalization. PayPal recognizes the importance of personalizing the customer experience, offering tools and insights to help merchants tailor transactions to their shoppers’ needs.
  • Merchant-centric approach. PayPal proactively partners with merchants to understand and address their specific needs, ensuring that our solutions are not just technologically sound but also relevant to business’ current pain points and payment challenges.
  • Innovation and adaptability. PayPal continually innovates and adapts its payment optimization solutions to meet the evolving demands of the retail industry, staying ahead of market trends and competitor offerings.

Prepare for the future of unified payments

The commerce landscape is undergoing a rapid evolution. Instead of simply flocking to digital platforms, customers are seeking bespoke, omnichannel experiences that cater to their needs both in store and online. To adapt, merchants need omnichannel payment solutions that can help them improve customer engagement, reduce friction, and increase sales.

That’s why PayPal In-Person is committed to transforming the retail payment experience — providing a comprehensive platform that helps to streamline payment processes and unlock valuable data insights for growth. With PayPal In-Person, merchants can help transform interactions into personalized experiences and ready their businesses for the present and future of omnichannel retail.

Learn more about delivering seamless checkout experiences with PayPal’s end-to-end payment platform.

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