The way payments are made is changing rapidly, shaping the future of modern point-of-sale systems. The classic payment process becomes an experience factor as customers expect speed, flexibility and seamless integration. While cash is losing importance, contactless payments and mobile wallets are dominating, with many providers having already moved payments to their pockets.
These changes challenge retailers to continually update their systems. The demand for mobile, contactless and secure payment solutions is growing.
Market trends determine success
As a global company, SAP always keeps its finger on the pulse of the times, looking for the latest trends in order not only to adapt its solutions, but also to revolutionize them. Also SAP Customer Checkoutthe intelligent and integrated POS cash register solution for retail, merchandising and catering, relies on strong partnerships to always be at the forefront and meet trends. Speed and cooperation with the right partners are crucial.
Harald Tebbe, head of development at SAP Customer Checkout, underlines the importance of the changes in the market: “The POS market is subject to constant change. The competition is vigilant and customers come up with new requirements and ideas every day. In the end, market trends decide who remains successful and who doesn't. Even if payment processes are not our direct business area, our focus is on offering our customers a variety of payment options in order to make the end customer's shopping experience as easy and convenient as possible. And the payment infrastructure is one of them A crucial component of the shopping experience. Our trusting technological partnerships are crucial. That’s why we are constantly looking for innovative collaborations.”
End-to-end solution thanks to partnership between SAP Customer Checkout and Viva.com
While looking for technological partnerships, SAP found Customer Checkout Viva.com the ideal partner. As the first tech bank in Europe, operating in 29 countries, Viva.com offers customers an integrated omnichannel platform for payments, banking and financing. Viva.com’s leading “Tap on Any Device” payment technology takes center stage. It turns any Android device – from stationary and mobile payment terminals to self-service checkouts to handheld devices – or iPhone into a secure card terminal. This optimizes the customer experience and enables secure transactions wherever customers are, helping them pay anywhere. Viva.com's Tap on Any Device supports over 40 payment methods, Dynamic Currency Conversion (DCC), surcharges and offline payments, while the tech bank offers real-time billing 365 days a year and a cashback program that reduces transaction fees to 0%.
Since SAP Customer Checkout was developed hardware-independently, works on various devices and can be integrated with various payment terminals, the partnership creates an ideal end-to-end solution for customers in retail, consumer goods, catering and other sectors. With the help of the open API interfaces with third-party systems from SAP Customer Checkout and the Terminal Integration Hub from Viva.com, the integration could be implemented easily and within a short time.
With Viva.com, SAP Customer Checkout customers in 29 European countries get integrated payments and banking on a single platform: from omnichannel payments and our leading Tap on Any Device technology to fast, seamless access to tailored financing options – without having to switch providers. This is the unique offering we have developed together with SAP,” confirms Harry Xenophontos, Chief Business Officer at Viva.com.
Secure data communication for customers
A special plug-in is required for integration and communication between SAP Customer Checkout and Viva.com. This plug-in facilitates the connection between the POS system and the payment terminal by ensuring that data transfer takes place via the HTTPS protocol. This ensures a high level of security in data communication. This security is crucial at a time when both innovation and the protection of sensitive data are at the forefront.
In addition, customers benefit from a particularly quick setup process and the freedom to choose from a variety of devices that can be used as a payment terminal. With three possible integration options, the system offers flexibility and adaptability, allowing merchants to find the right solution for their specific needs. The joint project promotes the development and implementation of future-oriented solutions at the point of sale that offer an optimal experience for both retailers and end customers.
