How Verifone and Unzer are redefining retail payments in Europe

Shoppers increasingly expect an omnichannel experience, from product search and discovery all the way through payments and post-purchase.

With their advanced capabilities and resources, big retailers have been better positioned to meet these expectations, leaving small and mid-sized merchants to grapple with fragmented commerce tech stacks that lead to a disconnected experience, especially at checkout.

That is why Verifone and Unzer, a leading European payments company, are expanding their partnership across Europe to bridge the gap for small and mid-sized retailers. Germany serves as the anchor market for this expansion, while Denmark marks a key milestone in scaling the integrated solution across Northern Europe.

Building on their prior collaboration around terminals, the expanded partnership now delivers a full payments ecosystem that integrates hardware, software, and acquiring capabilities.

The current payment reality for small and mid-sized retailers

Small and mid-sized merchants, from independent retailers to local shop owners and small retail chains, are dealing with more commerce and payments complexity than ever.

Many now manage sales across digital and physical channels, often with limited IT and staffing resources. Disjointed systems that often don’t speak to each other, such as POS terminals, online gateways, and mobile payment systems, don’t make it easy for small and mid-sized retailers to deliver omnichannel payment options that meet customers’ growing expectations. Merchants are also navigating these challenges in a sophisticated threat environment where payment fraud is at an all-time high.

Small and mid-sized retailers simply don’t have the same infrastructure as enterprise merchants to manage all this complexity.

Anchored on the belief that every merchant, regardless of size, should have access to enterprise-grade tools, Verifone and Unzer have partnered to deliver a full payments ecosystem for every retailer.

Reimagining the future of retail payments in Europe

Verifone and Unzer have a longstanding partnership that's already bringing payments innovation to Europe.

Pascal Beij, chief commercial officer at Unzer, says merchants benefit from each business’s distinct but complementary capabilities. “Both Unzer and Verifone are established companies with significant resources and expertise across their organizations, which allows us to scale our joint activities effectively,” Beij says.

Unzer, which specializes in digital payment solutions, works with more than 85,000 merchants across Europe. Through its subsidiaries, Quickpay and Clearhaus, Unzer currently supports more than 30,000 online stores and handles more than 4 million transactions each month.

Unzer is a leader in digital payments technology. Its products range from buy now, pay later (BNPL) solutions to payment gateway and acquiring technologies that give merchants robust online payments infrastructure and the ability to offer convenient, brand-consistent payment experiences across channels. Unzer’s solutions also power real-time transaction data merchants can use for sales

Verifone complements these offerings with payments devices, software, and acquiring capabilities, giving merchants a comprehensive payments tech stack across physical and digital retail. Trusted by 74 of the top 100 merchants worldwide and handling $14 billion in transactions globally across 165 countries, Verifone offers a flexible payments platform that evolves with businesses. Its boundless payments grid, powered by an open ecosystem of more than 2,500 integrations, allows merchants to address technology silos, offer diverse payment modalities, eliminate complexity at checkout, and speed innovation.

“Verifone contributes its innovative terminals and payment apps to the partnership, while Unzer provides software solutions, seamless processes from onboarding to payout, and tools that connect every point of sale,” Beij says.

Through its advanced acquiring capabilities, Verifone also streamlines payments processing at point-of-sale. For merchants, this means one integrated solution that simplifies onboarding, certification, and compliance while potentially improving authorization rates, settlement speed, fraud management, and reporting.

“Enterprise-level performance doesn’t have to mean enterprise-level complexity. With Unzer, we’re making advanced payment capabilities simple and scalable for smaller merchants,” says Gert Vido, head of DACH at Verifone.

Watch Pascal Beij , Unzer CCO, talking about the partnership on the floor of EuroShop 2026.

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As Verifone and Unzer expand their European partnership, both small and large businesses in the region stand to benefit.

Bringing payments innovation to merchants of all sizes

Verifone and Unzer’s joint capabilities translate to real business value for merchants, especially small and mid-sized retailers:

• Faster implementation: This speed is unlocked via unified setup, simplified onboarding, and integrated acquiring.
• Simplified operations: Merchants can move away from siloed payment technologies in place of a fully integrated solution that delivers meaningful customer and business insights.
• Seamless customer experience: They can transform checkout with hardware and software solutions, from mobile payment terminals and integrated barcode scanners to contactless payment tools, that meet customers wherever they are.
• Stronger security: Advanced security and biometric capabilities, including tamper-evident payment terminals, encryption, and cryptography-based solutions, deliver integrated payments security and stronger fraud protection.

Verifone and Unzer’s integrated POS and acquiring capabilities are empowering merchants across Europe to offer seamless omnichannel payment experiences.

Driving Europe’s SMB retail payments forward

Germany and Denmark reflect the potential of the companies’ expanded partnership in the region. Merchants in these countries can take advantage of a single connected payments ecosystem, which allows them to accept online and in-store payments, track sales data, easily deploy new payment capabilities, and access advanced features such as intelligent refunds.

Verifone and Unzer recently launched in-store payments in Denmark, making it easier for the country’s small and mid-sized merchants to accept payments across different touchpoints.

“More merchants are operating across both online and physical channels. Many of our existing customers want a simple way to manage payments everywhere they sell,” Beij says. “By partnering with Verifone, we can combine our online expertise and software capabilities with trusted in-store payment technology. This allows us to support Danish merchants more comprehensively and bring our unified commerce vision to life.”

In Europe and beyond, customers expect a convenient payment experience regardless of where they shop. Together, Verifone and Unzer help every retailer meet that expectation, providing an integrated payments ecosystem that modernizes their payment capabilities.

“Small and mid-sized retailers shouldn’t have to compromise on technology,” Vido says. “Through this partnership, we’re delivering the same robust, enterprise-grade payment solutions used by major brands but in a way that’s streamlined and accessible for growing businesses.”

See how Verifone helps small and medium businesses realize their full potential: Solutions for SMBs.