When it comes to payments, merchants don't need more providers — they need more possibilities. That's the idea behind payabl. in-store: a point-of-sale solution that unifies the entire payment ecosystem through an intelligent platform that connects everything from checkout to reconciliation.
Now available across industries throughout the UK, from retail and hospitality to beauty, payabl. in-store lets you manage all channels seamlessly through one dashboard, so you can focus on growth, not infrastructure.
Why does unifying in-store and online matter?
Customers no longer think in channels. They think in experiences. They expect to pay their way, whether by card, mobile wallet, or cash, and to move on instantly. Yet this flexibility often creates complexity for merchants, both at the counter and in the back office.
Today’s shoppers move fluidly between channels, yet 64% use different payment methods online and in-store, creating a disconnect that creates operational silos for merchants. This shows one thing clearly: payment choice isn’t disappearing, it’s diversifying.
The question isn’t which payment method will win. It’s how businesses can support all of them without slowing service, creating blind spots, or multiplying tools.
payabl. in-store solves this challenge. It brings reliable, flexible, in-person acceptance to the point of sale, ensuring every transaction, refund, and reconciliation is tracked in real time. The result is one source of truth across all channels, cleaner data, and a simpler, more transparent financial operation.
From terminal to total visibility
With payabl. in-store, merchants can accept every major payment method, from Visa, Mastercard and American Express, to mobile wallets like Apple Pay and Google Pay. And manage them all from a single dashboard.
But the real difference lies beyond the terminal. Because in-store connects directly to payabl.one, every authorisation, settlement, and payout is visible across locations and channels.
That unified view helps businesses spot trends sooner, resolve issues faster, and move money with confidence without toggling between providers or portals. You can compare online and offline conversion, analyse settlements and fees in one place, and reconcile faster using consistent, high-quality data.
This level of transparency isn’t just operational efficiency; it’s a strategic advantage. It turns payment data into a decision-making asset.
Flexibility built for the future
Consumer behaviour is evolving rapidly. Today’s shoppers expect choice and speed, and tomorrow’s will expect even more. payabl. in-store is engineered for that future.
It supports traditional credit and debit cards, digital wallets. With softpos functionality planned for 2026, merchants will soon be able to accept payments directly on compatible smartphones — perfect for dynamic, mobile, or pop-up environments.
For multi-site retailers and fast-paced hospitality businesses, that flexibility delivers practical benefits. You can standardise core capabilities while tailoring acceptance to local preferences, seasonal needs, or new formats — all connected through the same reporting, controls, and payout workflows.
Powering smarter commerce
Payments are more than transactions. They’re opportunities to strengthen customer relationships. payabl. in-store helps merchants deliver checkout experiences that are fast, secure, and friction-free, with built-in fraud protection and PCI DSS compliance as standard. Cashflow is uninterrupted with next day settlement.
Getting started is seamless and intuitive; the machine is ready to use out of the box and zero set up. At the same time, human-led customer support is readily available for administrative problems and tech help. That means businesses free up their teams to focus on value-adding work, not administrative maintenance.
Built for growth
Since its initial launch in 2023, payabl. in-store has powered over 1,000 live terminals across retail, hospitality, and other services; maintaining 99.99% uptime and achieving over 70% year-on-year growth.
That performance reflects a solution built for reliability and scale under real-world conditions. Now, we’re bringing that same standard of innovation and availability to UK merchants, with a wider European expansion planned for 2026.
How it works for merchants in practice
Retailers: Standardise acceptance and reporting across all stores while preserving flexibility for local or seasonal requirements. New locations or pop-ups integrate seamlessly, keeping every transaction visible in one platform.
Hospitality businesses: From front-of-house to mobile service, keep lines moving during busy periods with dependable terminals and secure processing. Every payment flows directly into payabl.one, giving operations and finance a shared, real-time view.
Food and beverage brands: Create tap and go experiences, and extend online experience into the physical world. Sync loyalty, promotions, and inventory at the terminal. The result is a consistent customer journey and unified financial control.
Why choose payabl.?
One platform, end to end
All your payment tools. One powerful platform. With payabl., you don’t just get a terminal — you unlock an ecosystem. Our omnichannel solutions connect in-store and online, all from one provider and one dashboard: payabl.one, your moneyspace.
Clarity and control by design
payabl.one unites acquiring, in-store, and payouts into one clear view, giving you the insight and control to manage your financial operations effectively and confidently.
Reliability proven in market
1,000+ live terminals. 99.99% uptime. Consistent double-digit growth. We build for stability, so you can scale with confidence — even during peak periods.
Ready for what’s next
Adopt the payment methods your customers prefer today and prepare for those of tomorrow — including account-to-account, crypto, and softpos — without re-architecting your tech stack.
Getting started in the UK
Connecting every in-store checkout to payabl.one is simple. Our team helps you define the right terminal mix, plan your rollout, and go live quickly — with a setup that’s resilient today and ready for tomorrow.
Once live, you’ll manage all your payments, in-store and online, from a single source of truth — supported by intuitive controls and expert guidance whenever you need it. Whether you’re scaling your store network, opening new locations, or bridging your online and in-person sales, payabl. in-store helps your business move forward.
Book a demo or talk to one of our in-store payments experts →