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Insights and Expertise

lows them to use the same card for a card-not-present
It's tempting to dismiss BNPL as transaction, without needing to re-enter their details.
a passing trend, but meaningful By replacing sensitive payment information with a
psychology is at play: unique digital token that can be recognized across
financially stressed shoppers channels, tokenization makes the final step to pur-
chase faster, safer and more convenient.
want more control. Optimize payments to maximize opportunity

This year, the biggest decision for many consumers may
For example, the ability to pay by digital wallet al- not be what to buy, but whether to buy at all. For mer-
lows users to use funds that might sit idle in Venmo or chants, that means payments must be an asset, not a point
PayPal, potentially boosting their willingness to buy. of friction.
Similarly, interest-free credit options may help budget-
conscious families move forward with higher-priced By offering diverse payment methods, clearly commu-
purchases. nicating payment options, and delivering a frictionless
checkout experience, you position yourself to convert hesi-
A strong payments partner can help you offer the right tant buyers. And while this holiday season may be the im-
mix of payment options without adding complexity, mediate test, a flexible payments experience positions you
giving you flexibility to engage with more customers. to maintain loyalty long-term.

2. Surface payment options early in the buyer jour- As chief transformation officer at Stax Payments, Adam Gray is a pivotal
ney: Alternative payment methods only matter if cus- operational leader focused on fostering profitable growth and increas-
tomers know they're available. When shoppers are ing enterprise value. His key responsibilities include overseeing merg-
aware of BNPL or other financing tools as they browse, ers & acquisitions, business transformation, and steering Stax Bill, the
it can influence how they evaluate affordability. company’s Canadian-based invoicing and recurring payments business.
Contact him via LinkedIn at linkedin.com/in/adam-gray-36614b88.
Audit your customer journey to assess whether you're
losing potential sales before shoppers ever tap "add
to cart." Does your website clearly state the payment 2026 Events
methods you accept? From there, identify opportuni-
ties to showcase options earlier in the buyer journey, Secure Technology Alliance
like banners on product pages advertising the option Identity & Payments Summit
to "Pay in 4." Ensure visibility extends throughout the March 2 – 4, 2026, Houston, Tx.
funnel, from homepage to checkout confirmation.
This awareness is particularly critical for holiday shop- TRANSACT2026
pers balancing gift purchases with other essential ex- March 18 - 20, 2026, Atlanta, Ga.
penses. Regardless of which payment method a cus-
tomer ultimately chooses, understanding their options Nacha’s Smarter Faster Payments 2026
helps them navigate the buying process confidently April 26 - 29, 2026, San Diego, Ca.
and incentivizes them to shop with you again in the
future.
SEAA 2026
3. Streamline the checkout experience: Payment vari- June 8 - 11, 2026, Miami, Fl.
ety is crucial, but so is the ease of completing a transac-
tion. A clunky checkout flow, like requiring customers MWAA 2026
to re-enter payment details, can drive buyers away. July 22 - 23, 2026, Chicago, Il.

Take stock of your payment flow for friction points. For Visit www.greensheet.com/datebook.php for
example, letting digital wallets auto populate stored more events and a year-at-a-glance event chart
details and enabling one-click payments at the point of or email events@greensheet.com if you have a
purchase can get shoppers to the checkout finish line event/show you wish to be listed.
faster.

Equally important is ensuring omnichannel consisten-
cy with tokenization. Let's say a customer previously
made an in-store purchase with their card. When that
customer visits your ecommerce site, tokenization al-

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