In-person payments are broken - here’s the future

Watch Victor Padee explain why in-person payment orchestration is becoming a must-have for modern businesses. From scaling faster to staying flexible in a rapidly evolving payments landscape, he explores how orchestration puts you back in control, and sets you up for long-term success.

Watch now to see how it all comes together.

In-person payments are broken. The opportunity is enormous.

In 2024, cards generated 11.9 trillion dollars in payment volume in the US alone, and the number keeps growing. Today, businesses everywhere are rethinking how they handle in-person payments.

So here’s the big question:
How do you stay flexible, scalable, and competitive when payment technology moves this fast?

The answer is in-person payment orchestration.

What is in-person payment orchestration?

In the past, merchants were stuck. One application. One acquirer. No choice. No flexibility. No control.
Adding new payment methods was nearly impossible. Legacy systems acted like castles, with high walls and no room for innovation.

Orchestration changes everything.

It connects every part of the payment experience across devices, acquirers, services, schemes, and local payment methods. All through one flexible, cloud-based platform.

With in-person payment orchestration, businesses can accept payments on any device, from traditional terminals to smartphones and even SoftPOS. They can switch between acquirers without replacing hardware. They can plug in new services like buy now, pay later or loyalty programs in days instead of months.

Orchestration means freedom, control, choice, and flexibility.
It keeps you ahead and ready for whatever the future of payments brings.

So who is winning with orchestration?
The short answer is everyone.

Let’s start with banks and financial institutions.
They can scale their merchant services without adding complexity. Instead of facing long integrations and legacy constraints, they can support any terminal, any acquirer, and even SoftPOS. All through orchestration. It helps them compete with big tech on their own terms and with full control.

For ISOs and PSPs, orchestration means speed and adaptability.
They can onboard new merchants faster, add payment methods without downtime, and offer tailored setups for businesses of all sizes. No patchwork systems. No delays. Just a future-proof payment stack that grows with them and their customers.

ISVs also benefit.
Orchestration gives them the freedom to build without borders. They can deploy next-generation POS systems across any device or environment. Whether it’s a native app, a cloud-based setup, or a remote solution, it just works. And when merchants want features like tipping, loyalty, or QR code payments, these can be integrated quickly and easily.

For global retailers, the benefits are even greater.
They gain consistency across countries, flexibility in how they roll out updates, and the ability to switch acquirers or launch new features without disrupting operations. All of that while managing loyalty and mobile payments with ease. And let’s not forget the commercial advantages, with economies of scale driving real impact.

Now let’s take a look at fuel retailers.
They often deal with fragmented systems. Take one global fuel brand, for example. They had 3,000 stations and six different POS systems. Upgrades were a nightmare, causing months of downtime and high costs. After adopting orchestration, they unified everything under one platform. Downtime dropped by 70 percent. New services like pay-at-the-pump and loyalty were rolled out quickly and without friction.

If you want to supercharge your payments, meet one of orchestration’s smartest tools; dynamic routing.

It’s the engine inside orchestration that uses real-time business rules to find the best route for each transaction. It can optimise based on price, card type, location, or acquirer availability. That means faster transactions, lower costs, and greater reliability. If one acquirer fails, the transaction is automatically rerouted. Think of it as intelligent traffic control for payments, keeping everything flowing smoothly without interruption.

So why is this shift happening now?

Because the world is moving fast, and your payments should too.
Consumers want seamless, personalised experiences. Regulators are pushing for more openness. Merchants want freedom, not lock-ins. In-person commerce needs to match the speed and agility of digital, and orchestration makes that possible.

This is not just another piece of technology.
It is your competitive edge.
It is a growth strategy.
It is how you future-proof your business, improve customer experience, and adapt with no disruption.

It puts you back in control.

Because the future of in-person payments is no longer locked in hardware.
It is orchestrated in the cloud.

If your business is scaling, your payments should too.
Start today with Aevi.

sarah.koch@aevi.com