There are major changes coming to mobile payments. EMV cards are safer for consumers, but they are also more time consuming, as users have to insert their card into the terminal and use their PIN. Instead of waiting in the longer lines, consumers are taking their business elsewhere. Retailers are in a rush to find a new way to improve service and make it faster for consumers. And they think they’ve found it—using mobile. Mobile is incredibly versatile, and more people than ever are using Apple Pay or the Samsung or Android equivalent in order to make a payment using their phone in the store. Retailers use high risk merchant accounts from credit card processors such as eMerchantBroker in order to process these payments. But instead of having customers pay in the store, retailers are pushing customers towards a new option—having them pay online through mobile first, then having them pick up the order later on.

When customers used to order pizza ten years ago, they’d call over the phone and give their credit card number, so that the food was already paid for when it was delivered. Now users are doing virtually the same thing, but using their mobile phones and placing an order online. Well known fast food restaurants such as Chipotle, Subway, Jersey Mike’s, Burger King, and others have introduced mobile payments through their apps that allow consumers to pay quickly through mobile and then pick up their order without having to wait in a long line and then make a payment. Ordering through mobile is quicker and more efficient for users and retailers alike. Users don’t have to face long lines and waiting for their food to be fixed for them, they can simply stop in and pick up their order. And retailers get shorter lines as a result, so that those that do stop in to order can get their service completed faster. Everyone’s happy. Retailers are going to continue to push more users towards making mobile payments in the future.