How AI is transforming retail payments

How AI-powered payments are becoming the retail standard

• 79% of UK retailers say AI agents are now essential to compete.​

• AI analyses transactions to offer the best payment methods. Digital wallets, BNPL, or loyalty rewards for each shopper.​

Using predictive analytics to help anticipate demand and reduce friction

• Predicts seasonal surges so retailers can adjust payment capacity and keep checkouts reliable.​
• Flags at-risk shoppers in real time and triggers relevant offers, preventing abandoned carts.​

The impact of AI on trust, transparency, and loyalty

• Proactive fraud detection helps protect from billions in losses each year.​

• Transparent, explainable AI builds consumer trust and satisfies compliance requirements.​

Practical ways to overcome data silos, skill gaps, and compliance challenges

• Consolidate payment data from all channels for smarter insights.​

• Partnering with AI experts and using embedded tools like PayPal Open can help accelerate results.​

Download the eBook to see how PayPal helps retailers turn payments into opportunities for smarter commerce, higher conversion, and strong brand loyalty across every channel.