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At NRF 2026, the focus is on “The Next Now”—and for retailers, that means adapting to how shoppers want to pay, both online and in-store. Payment preferences are changing fast, and offering the right mix of options is no longer a nice-to-have; it’s essential for growth.

Quick definitions

·   APMs (Alternative Payment Methods): Digital wallets, buy-now-pay-later services like PayPal, Klarna and Affirm, instant bank transfer systems such as International Pix, and more.

·   LPMs (Local Payment Methods): Country-specific payment rails and schemes, like Girocard in Germany or Cartes Bancaires in France.

Why APMs & LPMs matter for retailers

Aligning with consumer payment preferences

Shoppers expect to see familiar payment options at checkout—whether that’s a local debit scheme, a mobile wallet, or a buy-now-pay-later service. If their preferred method isn’t available, they’re likely to abandon the purchase.

Business impact

·   Reach: Local payment rails often dominate in their home markets, unlocking access to millions of new customers who may not use global cards. For example, International Pix is the preferred payment method for millions of Brazilian shoppers, enabling instant bank-to-bank transfers.

·   Cost: Local schemes typically offer lower transaction fees than global brands, helping retailers protect margins.

·   Conversion: When shoppers see their preferred payment method, they’re more likely to complete the transaction—online or in-store. In addition, providers like PayPal and Klarna, for instance, let customers split payments or pay later, which can result in a 30% to 60% increase in order value.* Merchants offering Affirm realize a drop of up to 28% in abandoned carts.**

Real-world context

A retailer expanding into Europe quickly learns that each country has its own payment landscape. In France, Cartes Bancaires is the go-to; in Sweden, Swish is a must-have. International Pix is essential for reaching Brazilian tourists visiting North America. Adapting to these preferences is key to winning new customers and keeping existing ones loyal.

Verifone’s value proposition

Local expertise and certification

Verifone’s team understands and masters the complexity of regional requirements. They handle the certifications needed for standards like GCB (France), Girocard (Germany), SIBS (Portugal), Redsys (Spain), and support for emerging methods like International Pix in North America, so retailers don’t have to navigate these hurdles alone.

Pre-certified solutions 

Retailers can launch in new markets faster, with ready-to-use certifications and integrations. This means less time spent on compliance and more time focused on selling.

Regional interoperability

Instead of building separate integrations for each acquirer or country, Verifone offers a unified platform that works across multiple regions. This simplifies operations and reduces the risk of rollout delays.

Reliability and compliance

Verifone’s platform is built to meet local regulations and deliver consistent uptime. Retailers, acquirers, and ISVs can trust that transactions will be processed smoothly, even during peak periods.

Faster, frictionless deployments

Onboarding and integration are streamlined. Retailers can add new payment methods with minimal disruption to their existing systems and staff workflows. Onboarding and integration are streamlined. Retailers can add new payment methods with minimal disruption to their existing systems and staff workflows. Verifone supports more than 40 alternative and local payment methods globally, giving retailers the flexibility to meet customer preferences in every major market.

How it works: Verifone’s approach

Device + app architecture

Retailers use Verifone devices that support both global and local payment methods. Devices typically rely upon the same integration approach across the terminal estate, simplifying training, implementation, and maintenance.  

ISV’s also develop custom payment apps that run on Verifone devices, leveraging certified kernels to ensure compliance and security. User experiences, payment flows, and even terminal management can be fully customized, supporting innovative payment experiences.

Integration options

Retailers can choose the integration path that fits their business:

·   Semi-integrated POS for gateway processing using Verifone SDKs and payment apps

·   Fully-integrated POS for direct-to-host processing using Verifone SDKs and payment apps

·   On-device or off-device integration options to match operational needs

·   Server-toserver APIs for online stores, including hosted payment pages

·   Plugins for platforms like Magento or WooCommerce

·   Pay-by-link for remote payments

·   Mobile SDK for mobile payment solutions

·   API integration directly to Verifone terminals and payment applications

Reporting & settlement

Verifone provides combined reporting across stores, channels, and payment methods. Retailers can see all their transactions in one place, making reconciliation and financial planning easier. Settlement timing is straightforward: when Verifone is in the money flow, funds typically arrive within two business days (T+2). Some methods, like Swish, offer instant settlement.

Making payments work, so you don’t have to

Retailers don’t need to be payment experts. Verifone handles the technical details—like certified kernels and routing logic—so merchants can focus on serving customers and growing their business.

*-30%-60% basket size growth for transactions relying upon PayPal, Klarna as the payment method – data compiled by Verifone in 2025.
**-28% reduction in abandoned carts for merchants offering Affirm – data compiled by Verifone in 2025.
 

Frequently Asked Questions:

• 1. What are APMs and LPMs?

  APMs (Alternative Payment Methods): 
  Digital wallets, buy-now-pay-later services (Klarna, Affirm), instant bank transfer systems (International Pix), and more.

   

  LPMs (Local Payment Methods): 
  Country-specific payment rails and schemes (Girocard in Germany, Cartes Bancaires in France).

• 2. How many payment methods does Verifone support?

  Verifone supports more than 40 APMs and LPMs globally, giving retailers the flexibility to meet customer preferences in every major market.

• 3. Why do these payment methods matter?

  Reach: Unlock access to millions of new customers who prefer local or alternative payment methods.

   

  Cost: Lower transaction fees compared to global card brands.

   

  Conversion: Higher completion rates when shoppers see their preferred payment method.

   

  Share of wallet: Growth in basket sizes, particularly for BNPL payment methods.

• 4. How does Verifone help with regional complexity?

  Local expertise: Verifone handles certifications and compliance for each market.

   

  Unified platform: No need for separate integrations—one system works across regions.

• 5. How do I add new payment methods?

  Streamlined onboarding 
  Add new payment methods (including International Pix, Klarna, Affirm, Swish, and more) with minimal disruption to your existing systems and staff workflows.

   

  Get in touch with our teams to find out how to deploy these payment methods.  

• 6. What integration options are available?

  Semi-integrated POS for gateway processing using Verifone SDKs and payment apps

   

  Fully-integrated POS for direct-to-host processing using Verifone SDKs and payment apps

   

  On-device or off-device integration options to match operational needs

   

  Plugins for platforms like Magento or WooCommerce

   

  Pay-by-link for remote payments

   

  Mobile SDK for mobile payment solutions

   

  Direct API integration to Verifone terminals and payment applications

• 7. How does reporting and settlement work?

  Combined reporting

   

  See all transactions—across stores, channels, and payment methods—in one dashboard.

  Funds typically arrive within two business days (T+2) when Verifone is in the money flow. Some methods, like Swish, offer instant settlement.

• 8. Do I need to be a payment expert to use Verifone?

  No. 

   

  Verifone handles the technical details—like pre-certified kernels and routing logic—so you can focus on serving customers and growing your business.