Retailers, restaurateurs and other merchants have made significant changes to adapt to health and safety requirements, evolving consumer preferences, and competitive new channels in 2020. Because your users' businesses are changing, the total solutions you provide must adapt as well.

Factor in these six payment trends, driven or accelerated by the pandemic, into your business and growth plans for 2021.

1. Payments must support omnichannel experiences

      The number of e-commerce transactions rose sharply in 2020. In the first six months of the year, U.S. merchants report that consumers spent $347.26 billion online, up 30.1 percent from the same time in 2019. However, that's not the entire story. Once shoppers made their online purchases, they may have opted to buy online pickup in store (BOPIS), take advantage of curbside pickup, return items to a store that they purchased online, and earn loyalty points with their purchases that they'd later redeem on any channel.

      The ideal solution gives merchants payments visibility and management from a centralized platform, making shopping, pickup, and return experiences as frictionless and customer-friendly as possible.

      2. Consumers embrace contactless payments

          U.S. contactless payment adoption has lagged behind the rest of the world, but now that consumers are more conscious about the health risks of touching shared devices – such as PIN pads – retailers need to rethink checkout experiences. Near-field communication (NFC) technology enables contactless transactions using mobile wallets or contactless cards. However, merchants are looking beyond those solutions to implement touchless experiences more quickly and offer them to customers who don't have contactless cards or mobile wallets.

          QR code payment is a promising option. In these transactions, consumers scan a printed QR code with their smartphones' cameras. The code directs them to a payment page, similar to an e-commerce checkout page, to complete the transaction.

          Kyle Pexton, President and CFO of NMI, predicts, "Contactless payments will extend into commercial off-the-shelf offerings, whereby payments will be accepted by anyone in a ubiquitous fashion, limited only to the device you carry in your pocket."

          3. More shoppers use self-checkout

            A Forrester study in 2018 found that 70 percent of shoppers have abandoned shopping trips and long lines were the most common reason. The survey also revealed the 65 percent of shoppers would use self-checkout to avoid a long wait in line. And that was before the pandemic. Consumers are even more reluctant now to stand in line for long periods, forced to be in proximity to others.

            In addition to point of sale (POS) solutions designed for face-to-face in-store transactions, also ensure you offer retailers self-checkout solutions integrated with a full-featured payments platform for easy-to-use, secure, unattended transactions.

            4. Biometric payments

              Consumers are growing more familiar – and comfortable – with authenticating payment biometrically. Many use their fingerprint to authorize payment from their smartphones. Expect payment trends in 2021 to include more biometric payment adoption. For example, Amazon is testing its Amazon One platform, which enables consumers to pay by scanning the palms of their hands. This technology may also be used for loyalty program authentication or to replace ticketing to enter a stadium.

              Form partnerships that will enable your users to leverage biometric payment and identification to create their customers' best possible experiences.

              5. Payment devices do more than accept payments

                Payment devices are at the hub of in-store activity. Look for them to begin to drive more than payment experiences. Merchants will begin to increase the ROI from payment devices by using them to capture customer data and feedback on the service they've received.

                Your partnership with the right payments company can expand payment devices' functionality and the value they provide your users.

                6. The banking evolution continues

                  Pexton also points out, "We are on the cusp of significant changes in the banking industry as they will shift mainstream in 2021. This includes open banking, a continued increase in digital-only banks and traditional banks shifting their business models to stay relevant in our ever-changing world."

                  The types of payments your users now accept for both card-present and card-not-present transactions may change to keep ahead of this payment trend.

                  Payment Trends Are Everyone's Trends

                  ISOs and software developers must remember, especially when vetting potential partners, that payment companies must be technology companies first. All other aspects of a merchant's IT environment, and subsequently, their efficiency and ability to provide optimized customer experiences revolve around payments.

                  Vendors leading the way in payment trends, such as contactless payments, omnichannel solutions, unattended payments, and biometrics, will be most successful in meeting merchants' needs during this era of rapid change and adaptation. Choose those payments companies as your partners to help you build the strongest, long-lasting relationships with your users.

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                  NMI will be exhibiting at the International Parking & Mobility Institute (IPMI) Expo taking place at the Anaheim Convent...

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                  Insights

                  NMI to exhibit at CNP Expo 2019

                  NMI will be exhibiting at the upcoming CNP Expo 2019 at booth #313. The event will take place at the Marriott Marquis in...

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                  Insights

                  How Developers Can Offer a Seamless Merchant Experience

                  Developers can simplify payments for merchants on their own When it comes to building credit card processing into your ...

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                  Insights

                  Meet NMI at Parkex 2019

                  We’ll be exhibiting at the annual Parkex Exhibition in Birmingham from 2-4 April on Stand #P216. Parkex is one of Europe...

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                  NMI in the News

                  Omnichannel: The revenge of the brick-and-mortar store

                  In an interview with PYMNTS, NMI CEO Vijay Sondhi, discusses Omnichannel and how reality has yet to catch up to its prom...

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                  Insights

                  Meet us at PIE 2019

                  We’ll be exhibiting at the annual Parking Industry Exhibition (PIE) in Rosemont from the 12-13 March on Booth #814. PIE ...

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                  NMI in the News

                  CEO INSIGHTS: How IoT Payments Make The Old (Transaction) New Again

                   In a podcast with Karen Webster of PYMNTS.com, NMI CEO Vijay Sondhi delved into the ways that IoT is bringing every...

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                  Insights

                  NMI at NEAA 2019

                  What: NEAA provides an educational forum that covers the most current industry issues, trends, topics and access for att...

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                  Insights

                  How payment innovators are using tokenization beyond security

                  For years the payments industry has been hard at work developing and enhancing technologies and methodologies to protect s...

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                  Insights

                  Payment innovations create value for retailers across multiple touch points

                  Online commerce will grow at more than six times the rate of in-store sales through 2022, according to research, reaching ...

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                  Events

                  NMI at Money20/20 USA

                  Come check out the new NMI at booth #1837 at Money 20/20 October 21-24 in Las Vegas! We are anticipating another exciting ...

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                  Insights

                  Here’s why you should demand remote key injection (RKI) from your payment gateway

                  Very seldom do we speak with software developers who want to spend their valuable time or their staff’s time on payment in...

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                  Insights

                  Counter Solutions, Creditcall, Diebold Nixdorf and Sodexo partner to create micro-market ePOS solution for GlaxoSmithKline plc

                  When it comes to building a successful software development practice, leading ISVs (independent software vendor) not only...

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                  Insights

                  All P2PE Solutions Are Not Created Equally

                  Security-minded ISVs, ISOs, and merchants know that P2PE is one of the most critical pieces to the puzzle of protecting an...

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                  Insights

                  Payments Insights: Latest US EMV Migration numbers

                  U.S. EMV Numbers Show Improvement, But Highlight Lagging ISVs and Merchants. Consumers today expect their shopping experie...

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                  NMI Insights

                  Taking a Placement Year at NMI

                  Meet Dan! Dan, a student from UWE, undertook a placement year at NMI as a Software Developer. Why did you choose to d...

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                  Insights

                  Will 2018 be the year of contactless payments in the US?

                  In the UK, card payments have overtaken cash payments and now account for more than 50 percent of all retail purchases, of...

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                  Insights

                  CTO Insights: Can PIN-on-COTS Take EMV The Final Mile In The US?

                  Earlier this month, the PCI Security Standards Council released a new security standard that allows for PIN entry on comme...

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                  NMI Insights

                  The Ultimate White Label Payment Gateway Introduction for Merchant Acquirers

                  The Average Payment Gateway What Payment Gateways do Payment gateways play an essential role in the processing of a cred...

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                  Insights

                  4 Reasons To Love Working at the Creditcall WeWork Office

                  With our New York office quickly expanding we wanted to share some experiences of working for Creditcall in the Big Apple....

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                  Insights

                  CTO Insights: PIN-on-Glass is coming

                  Imagine taking a regular mobile phone and turning it into a payment device with a simple app download. That’s the utopian ...

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                  Insights

                  Transit Insights: Studies highlight transportation desire for modern payment methods

                  Over the past couple months, we’ve written about the contactless payment revolution taking place in the mass transit secto...

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                  Insights

                  Transit Insights: Is Transit ready for the contactless payments revolution?

                  Translink explains how it will bring cutting edge fare collection to public transport in Northern Ireland. By Creditcall T...

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                  Insights

                  10 Top Tips to Studying in Bristol

                  Being born and bred in Bristol (though we’re now known worldwide), all of us at Creditcall HQ wanted to welcome new and re...

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                  Insights

                  Mass Transit Is Ready For Credit & Debit Payments. Are ISVs?

                  Today, travelers using the tube and mass transit in the London area have the ability to pay for their fares using their ow...

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                  Insights

                  CEO Insights: SME Retailers Being Neglected When It Comes To Next-Gen Payment

                  In today’s world of retail dominated by the Amazon’s of the world, SMEs need to leverage every resource they can to survi...

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                  Insights

                  CEO Insights: Creditcall Named To “1000 Companies to Inspire Britain” List

                  At Creditcall, we have a lot to celebrate this month. We were recently named to the “1000 Companies to Inspire Britain” l...

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                  Insights

                  CEO Insights: It’s Time To Address The Payments Needs Of European SMEs

                  In past blogs we’ve discussed the many challenges facing software developers when it comes to keeping up with payments se...

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                  Insights

                  CEO Insights: Contactless Payments On The Rise Globally

                  The headline says it all. Reports from a variety of sources indicate that contactless payments have risen greatly over the...

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                  Insights

                  CEO Insights: What’s Your Omni-channel Strategy?

                  As consumers, we’re all aware of the changes that have taken place in the retail world when it comes to our everyday shop...

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                  Insights

                  CEO Insights: The Struggles Of An ISV In A Payments World

                  Software developers with solutions that intersect with the world of payment processing know that business can be fun, e...

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                  Insights

                  CEO Insights: EMV in US still has a long way to go

                  The latest EMVCo numbers were published just before the New Year. While the latest numbers only reflect transactions up t...

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                  Insights

                  CEO Insights: Will 2017 bring us the ultimate payment method?

                  In my previous post, we discussed the confusion created by the various payment-related products, apps, and services that h...

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                  Insights

                  CEO Insights: Payment methods, will we ever settle on a standard?

                  I was recently at a restaurant just outside of London with my wife and when we got to the usual payment experience, we sa...

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                  Insights

                  CEO Insights: New payment methods accelerate EMV

                  Over the past few weeks, we’ve been discussing EMV adoption within the United States. Specifically, what’s driving adopti...

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                  Insights

                  CEO Insights: It’s time to address slow EMV transactions

                  One of the most common complaints we hear about EMV is the lengthy transaction times compared with standard swipes. While ...

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                  NMI Insights

                  CEO Insights: Are chargebacks helping or hurting EMV adoption?

                  Last week we discussed the current state of EMV adoption in the United States. Today, more than a year past the original O...

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                  Insights

                  CEO Insights: Don’t let EMV certifications slow you down

                  Despite being more than a year past the U.S. EMV liability shift, there’s still much work to be done. Depending on which o...

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                  Insights

                  Weekly EMV Industry News Roundup - 11 August 2016

                  U.S. Payments Forum updates minimum requirements for US EMV chip deployment Finextra To help merchants and acquirers dev...

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                  NMI in the News

                  Pay-Fac Sooners and Boomers

                  Payment Facilitators (Pay-Fac) may be the next wave of “timing is everything” for the payments industry and could bring a ...

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                  Insights

                  Weekly EMV Industry News Roundup - 4 August 2016

                  Square’s Pricey Bet Pays Off as Merchants Pick Readers that Combine NFC + EMV PaymentsSource The tough move from free...

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                  Insights

                  Weekly EMV Industry News Roundup - 28 July 2016

                  Will the Olympics ‘payment ring’ jumpstart NFC demand CSO Near Field Communication (NFC) – the “mobile wallet” techno...

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                  Insights

                  Weekly EMV Industry News Roundup - 22 July 2016

                  EMV Group Rebrands to go Beyond Chip Cards PaymentsSource The industry-led EMV Migration Forum is changing its name a...

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                  Insights

                  Weekly EMV Industry News Roundup - 15 July 2016

                  Visa’s mobile payments push goes for Olympic Gold PaymentWeek The Olympics—whether summer or winter variety—are a gre...

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                  Insights

                  Weekly EMV Industry News Roundup - 30 June 2016

                  Move could speed retailers’ shift to secure chip cards Chicago Tribune The switch from magnetic stripe credit and debit ...

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                  NMI in the News

                  Will Pay-Facs Kill the VAR Model?

                  Integrated payments has been the darling of the finserv industry for years now, but it’s possible a category killer is loo...

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