Why Banks and Acquirers Get an Edge with Next-Gen AXIUM

Bank and acquirer market share hinges on meeting merchants' expectations for modern payment experiences. Securely enabling transactions is just the baseline. Merchants want the freedom to create customer-centric workflows that streamline checkout, personalize service, and build loyalty. Fintechs are bringing solutions to market to meet that demand, but banks and acquirers can stay competitive with next-generation payment technology running on Android payment terminals. 

Next-generation payment solutions for retail target four key areas that help banks and acquirers strengthen relationships with their merchant accounts. 

1. Next-Gen Android Payment Terminals Enhance User Experience 

Most people in the Americas use smartphones. Pew Research reports that 91% of U.S. adults own smartphones. Additionally, Statista estimates that the smartphone adoption rate in South America will increase from 80% in 2023 to over 90% by 2030. These consumers are accustomed to using their smartphones for ecommerce and online banking, so for merchants whose customers expect a smartphone-like interaction, a compact keypad terminal may not deliver the level of customer engagement they are looking for. 

Next-generation Android payment terminals, like the Next-Gen AXIUM line Ingenico unveiled at its Paytech 2026 conference in Vienna, bring a consumer-device experience to payments. The design of these Android terminals includes touchscreens large enough for customer engagement and for employees to access all functions from a single interface. The terminals also feature lighting guides that provide feedback on transaction approval to store employees and customers. AXIUM terminals also include haptics, enabling sensory cues that direct users through checkout processes and also help people with visual impairments easily and securely use the devices. These next-generation features add up to something merchants' customers already expect: an experience that feels less like a terminal and more like the smartphone in their pocket. 

2. Next-Gen Android Payment Terminals Create Total Mobile Solutions 

Retailers and field services enterprises can benefit from SoftPOS for their mobile workforces. SoftPOS enables their teams to accept contactless payments directly on mobile devices; no additional payment device is required. However, these merchants need to determine whether they should allow employees to use their personal devices or use company-issued devices. 

Next-gen Android terminals in the AXIUM line include devices that banks and acquirers can offer as total solutions for mobile workforces. These enterprise-grade terminals are Google Mobile Services (GMS) certified, allowing teams to download all the apps they need to do their jobs, including SoftPOS. The devices deliver reliable wireless performance with multiple connectivity options and are Payment Card Industry PIN Transaction Security (PCI PTS) 7 certified, the latest standard. Next-Gen AXIUM devices are also field upgradable to new Android versions, and the line has harmonized kernels, eliminating the need to build and certify separate kernels for mobile devices vs. the other AXIUM terminals that the merchant uses. 

Providing your merchant accounts with a comprehensive mobile solution allows them to keep devices for company workflows separate from personal use and to standardize on secure, supported, and future-proof devices for easy management. 

3. AI-Readiness Is a Next-Gen Payment Terminal Feature 

Your merchant accounts are exploring how artificial intelligence (AI) can benefit their businesses, and providing AI-ready payment terminals will allow you to stay on the leading edge of technology. Every vendor in payments claims to be AI-ready these days; what actually matters is the architecture behind the label. Ingenico's next-generation AXIUM Android terminals are designed to be a point of interaction between cloud services, like Gen AI and advanced analytics, so merchants can leverage them at the point of sale. They give merchants a pathway to using conversational analytics, making personalized recommendations, and leveraging machine-vision services that secure transactions. 

4. Next-Gen Payment Terminals Support Easy Manageability 

Next-generation Android terminals also integrate with Ingenico 360, the payment device lifecycle management platform Ingenico launched alongside Next-Gen AXIUM. It enables remote monitoring and updates, support for repair and replacement, and is already live across Europe, the Americas, and Asia-Pacific. The visibility and control it provides helps keep estate management costs low while ensuring maximum device uptime, performance, and service, from remote key injection to end-of-life services, for your business customers. 

Partnership that Supercharges Your Payment Solutions 

In addition to providing banks and acquirers with industry-leading, next-generation Android payment terminals, Ingenico supports you with expertise and collaboration that accelerates innovation. Working with Ingenico, you can differentiate your offerings in increasingly competitive spaces with unique payment solutions that appeal to today's merchants and consumers. 

Every AXIUM device and the Ingenico 360 platform are also designed, engineered, and supported end to end by Ingenico's own teams, with all hardware, software, and cloud development performed in-house in France. For banks and acquirers weighing data sovereignty and supply chain risk, that full ownership of the technology stack is not a minor detail. 

Meet Next-Generation AXIUM 

Ingenico designed Next-Gen AXIUM to enhance user experiences, enable mobile workforces, provide AI readiness, and support advanced estate management. Banks and acquirers benefit by expanding their offerings to include advanced, future-proof solutions that meet the demands of today's merchants and consumers. Contact us to learn more.