Payment solutions of the future will increasingly focus on the customer and his needs. Digitalization is the key driver for this. Never before have there been so many technological innovations in payment transactions and the resulting product innovations on the market as today. Concardis range of innovative products and services for merchants and service providers extends from digital receipt management and smart POS card readers to easy-to-integrate payment links for online and offline retailing and a fully digitized one-stop shop solution for small and medium-sized enterprises (SMEs). As a result, Concardis reduces complexity for merchants, makes payment easier and thus improves the customer experience.