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November 7, 2021 • Issue 21:11:01

Not your father's POS

"Our software and service platforms enable merchants to
migrate from payment-centric solutions to more business
capabilities."

Ingenico cloud platforms support third-party application
marketplaces, which Bunney described as curated environ-
ments. Unlike earlier iterations, these platforms are not a
hodgepodge of ancillary apps but organized ecosystems
designed and controlled by acquirers, ISVs and other estate
owners, who understand customer needs and choose apps
that make sense for merchants, he noted.

"Most merchants have no interest in scrolling through apps
on their POS devices," Bunney said. "They are not looking
for an Apple Store or Google Play store experience, and
they don't need a million applications. At most, they need
a few key apps that service providers fully support and
control, which makes POS manageable for merchants and
profitable for partners."
By Dale S. Laszig
Adapt to merchants
OS hardware has progressed from stand-
alone devices to multichannel points of sale. Heidi Chan-Sarantopoulos, chief technology officer at Ac-
Throughout the analog-to-digital payments jour- cess One Solutions, also believes in showing merchants
P ney, software has steadily gained dominion over what they want to see. "Credit card machines and their us-
hardware, changing the cadence of equipment selling. ers have not changed much," she said. "Manufacturers have
Amid abundant options, including integrated, standalone, added virtual terminal components for more advanced
virtual and hybrid models, merchant service providers merchants, but legacy terminals have stayed the same and
compete more on capabilities than price, replacing one- remain popular with a certain segment of some small and
time equipment markups with recurring revenue streams. midsize business owners."
This article discusses current POS hardware challenges
and opportunities and offers expert recommendations for
navigating the ever-changing POS landscape. Contributed articles inside by:

Adapt to partners Kamran Hedjri ........................................................................................16
Mark Bunney, head of go to market strategy and profes- Jeff Fortney .............................................................................................28
sional services, North America at Ingenico Group, a World- Elie Y. Katz ...............................................................................................30
line brand, has seen POS models become more flexible and
distributed. "From a merchant and partner need perspec- Adam Atlas ..............................................................................................33
tive, there are ongoing needs, and manufacturers have to
adapt and enable their partners to adapt," Bunney said. TOC on page 3

Continued on page 26