The payments industry is evolving quickly, and ecommerce platforms are taking charge. But in-store purchases aren’t being left behind, they’re adapting too. At Payarc, we’re working with merchants across industries who are preparing for a new era of in-person commerce: one where convenience, flexibility, and intelligence are non-negotiable.
So what does the future of in-store payments really look like by 2026?
Tap-to-Phone Will Go Mainstream
Expect to see more small businesses ditch traditional hardware in favor of smartphones that double as payment terminals. Tap-to-phone technology is making it easier than ever to accept contactless cards and wallets without any extra equipment. It’s cost-effective, scalable, and ideal for mobile-first businesses.
Payarc Powers Mobile Payments
We’re investing in the future of mobile payments through partnerships and tools like iPOSGo! from Dejavoo, helping our merchants stay ahead instead of playing catch-up.
Dual Pricing Will Be the Norm, Not the Exception
By 2026, more merchants will use compliant dual pricing models to offset rising processing fees. With growing consumer familiarity and the regulatory guardrails now well-established, dual pricing offers a sustainable way to manage costs transparently.
Payarc Delivers Instant Dual Pricing
With Curv and the many other POS bundles we offer, thousands of merchants have implemented dual pricing tools right out of the box. No complicated setup included, just immediate savings.
AI Will Power the Register
AI isn’t just a back-office tool anymore. It’s transforming the point of sale, bringing intelligence to every customer interaction. Modern POS systems can now offer real-time insights that help merchants upsell and manage inventory more effectively.
Payarc Puts AI in the Customer Journey
With Pie AI already in use, Payarc is redefining what AI can do inside the store. No longer stuck in the back office, AI is becoming a core part of the customer journey—driving personalization, protection, and smarter decisions in real time.
In-Store and Online Will Blur Completely
Buy online, pick up in-store (BOPIS). Return in-store from an online purchase. Shop via QR code from a physical display. These hybrid experiences have gone from novelty to necessity. Your in-store POS needs to sync effortlessly with your ecommerce setup.
Payarc Connects Payment Everywhere
That’s why we're investing in powerful, yet seamless integrations. From WooCommerce, to upcoming partnerships, we’re making sure your payments follow your customers wherever they go.
Here's How We're Positioning Partners to Succeed in 2026 and Beyond
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In-Store Isn't Dying, It's Getting Smarter
The future of in-store payments is evolving, and merchants should stay ahead of the trends if they want to thrive in 2026 and beyond. With Payarc, you get more than technology. You get a partner focused on making every shift in payments work to your advantage. Let’s maximize what’s next!