Beyond the counter: How the unbound store is redefining retail

Our product manager, Wibrand de Reij, explores how retail tech shifts from a physical barrier to a strategic asset that cuts costs, boosts conversion, and improves buyer experience

Our product manager, Wibrand de Reij, explores how retail tech shifts from a physical barrier to a strategic asset that cuts costs, boosts conversion, and improves buyer experience

Wibrand de Reij

Product Manager

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TL;DR

  • The clean desk reality: Legacy payment hardware creates friction and bottlenecks. By replacing bulky terminals with Contactless POS (SoftPOS), retailers save on hardware costs and free their staff to take payments anywhere on the shop floor.

  • Contactless flexibility: Gen Z and Gen Alpha are bypassing plastic cards entirely. To stay relevant, retailers must adapt to digital-first expectations by supporting mobile wallets and QR-based payments.

  • Loyalty 3.0: The days of physical stamp cards are ending. By leveraging PAR (Payment Account Reference) data and NFC technology, retailers can seamlessly automate loyalty at the checkout and close the data gap between their online and offline shoppers.

Based on our latest research and the strategic shifts we are seeing across Europe, the future of in-person payments centres on making the transaction disappear into the background. When the payment becomes invisible, the relationship takes centre stage. We believe that the next five years will redefine what it means to shop in-store, moving away from a fixed point of sale (POS) and toward a fluid, unified experience. This transition is not a distant dream; it is a roadmap of innovation that we are building today.

The rise of clean desk: Streamlining the checkout experience

Legacy payment hardware can create friction. Imagine a busy Saturday afternoon in a high-end retail store or a bustling pharmacy. A customer has spent 20 minutes selecting the right products with expert staff guidance. They are ready to buy. But to complete that journey, they must leave the location where they made their decision, walk to a fixed counter, and wait in a queue behind a plastic barrier. If the working terminal is tethered to a cable or is struggling with a Bluetooth pairing error, momentum is lost. Sometimes, the customer simply walks out.

This is a bottleneck that costs you sales and damages your brand reputation. To solve this, we are moving toward a clean desk reality through Contactless Point of Sale (POS). By turning any Android or iOS device into a secure payment terminal, we are untethering your staff from the counter.

As Wibrand points out: “Instead of being bound to a payment terminal that needs to be renewed every five or six years, you now have something that’s just software-based. You don’t need to buy a new terminal every five years anymore. You replace only one device instead of replacing two, so it saves you a bit of cost.”

Furthermore, combining the basket display and the payment terminal into a single, modern touchscreen reclaims valuable real estate. During the brief window when a staff member is bagging an item, that dynamic screen can be used to display targeted offers or invite the shopper to join a loyalty program, turning dead air into a marketing opportunity without increasing the queue time.

Contactless flexibility and the cardless generation

Untethering staff from a fixed desk opens up entirely new ways to improve the customer experience. Queue-busting becomes a natural part of the service. Floor staff equipped with SoftPOS tablets can approach hesitant shoppers in the aisle or right at the fitting room, taking payment the moment the purchase decision is made.

This level of contactless flexibility is especially critical for Gen Z and Gen Alpha shoppers. For these younger demographics, the plastic bank card is rapidly becoming a relic.

“Gen Z and Gen Alpha are completely bypassing the plastic card phase,” Wibrand observes. “Their introduction to payments is usually Klarna or iDEAL. Because they are starting from a digital-first mindset, adopting QR-based solutions or digital wallets in-store is just the natural next step.”

Loyalty 3.0 and the one-tap future

We define loyalty 3.0 as the shift away from manual, high-friction reward systems, like paper stamp cards or asking for an email at the till, toward automated recognition built directly into the payment flow.

The biggest frustration for modern omnichannel retailers is the data gap. While businesses have a wealth of data on their ecommerce shoppers, that visibility often vanishes the moment a customer walks through the physical doors.

The solution lies in identity-linked transactions. By utilising PAR (Payment Account Reference) data, retailers can securely and anonymously recognise a returning customer’s bank account footprint. This allows merchants to understand foot traffic patterns, such as distinguishing between morning locals and afternoon tourists, and tailor their inventory and services accordingly.

Looking ahead, emerging standards like Apple VAS and Google Smart Tap will allow a single NFC interaction to handle everything. One tap of a smartphone could apply loyalty points, deduct a discount, and process the payment simultaneously.

“People are not opposed to loyalty at all. People are open and fine to give their data," notes Wibrand regarding this upcoming shift. “It’s just the one second of friction to leave your high-level data somewhere. That’s the tricky one. And this stuff takes that away within seconds.”

Key takeaways for retailers

To capitalise on these shifts and future-proof your business, focus on these three strategic priorities:

  • Adopt Contactless POS to boost conversion: Eliminate checkout friction and save on hardware replacement costs by turning mobile devices into secure, roaming payment terminals that enable queue-busting on the shop floor.

  • Align with cardless consumer habits: Cater to younger demographics by supporting QR-based payments (such as Wero) and seamlessly integrating online financial tools (such as BNPL) into the in-store experience.

  • Automate loyalty at the till: Prepare your point-of-sale systems to use PAR data and mobile wallets, removing the friction of physical sign-ups and turning anonymous foot traffic into recognisable, loyal customers.

The Mollie mission: Your partner in the transition

At Mollie, we believe that business is inherently human. Technology should never be an end in itself; it should be a tool that empowers people to build better relationships. Our goal is to manage the invisible complexity of the payment landscape so you can focus on your customers’ health and happiness.

We are not just a payment processor. We are a partner in your growth. Whether you are navigating the migration to Wero, launching a fleet of SoftPOS devices to empower your floor staff, or preparing your data architecture for the arrival of AI agents, we are here to simplify the journey. We provide the unified commerce tools that bridge the gap between your webshop and your physical stores, ensuring a consistent experience across every touchpoint.

The future of retail is unbound. It is a future where the counter is gone, the data is unified, and the technology serves the human connection. We are excited to build this future alongside you.

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Table of contents

Table of contents

MollieGrowthBeyond the counter: How the unbound store is redefining retail
MollieGrowthBeyond the counter: How the unbound store is redefining retail
MollieGrowthBeyond the counter: How the unbound store is redefining retail
MollieGrowthBeyond the counter: How the unbound store is redefining retail