The COVID-19 pandemic hastened our already digital-centric culture to become even more digitally driven. People rely on their smartphones, social platforms, and digital channels for information, entertainment, and online purchases. Adhering with this digital transformation, consumers expect personalized service and convenience when shopping both online and in-store. This includes the ability to interact with a merchant across multiple channels, anytime and from anywhere. To keep up, merchants need to deliver an integrated, omnichannel shopping journey that offers customers payment options. “Pa…