Cover for the July 2026 PYMNTS Intelligence and FIS Report, The Smart Basket Opportunity. PYMNTS Intelligence reports on how merchants can use smart checkout, embedded offers and payment data to capture more consumer spending.

$349 Billion Could Move Through a Much Smarter Checkout

The Smart Basket Opportunity: How Merchants Can Capture More Consumer Spending

PYMNTS Intelligence surveyed 60 merchant leaders across retail, grocery and food service. Nearly all are ready for smarter checkout, but they’re also clear about the terms. “The Smart Basket Opportunity: How Merchants Can Capture More Consumer Spending” shows where the sales upside sits and what merchants need before they move.

Inside the July Playbook

  • Personalized offers often fall short. While 73% of merchants use targeted offers, only 48% see them as their most successful promotion tool—leaving room for smarter checkout.
  • Merchant sectors have different growth paths. Restaurants lead in real-time checkout interest, while retailers and grocers bring channel strengths and loyalty programs.
  • Data sharing requires clear value. Merchants want proof that shared data drives sales, plus transparency, privacy protections and usage limits.

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    The Seamless Checkout Opportunity