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Why 63 CPG Brands Said Yes to Smart Checkout

New smart checkout tech allows brands to fund instant shopper discounts, turning the point of sale into a high-conversion marketing engine.

Curated by Financing Your Way from original reporting by PYMNTS. Summary is AI-assisted and editorially reviewed — see our editorial standards.

FYWBy Financing Your Way EditorialSeptember 24, 2026

Smart checkout technology is moving beyond simple payment processing to become a sophisticated marketing tool for retailers and brands. A new report highlights how 63 major consumer packaged goods (CPG) brands are shifting their strategies toward integrated checkout systems. For a retail operator, this means the checkout counter is no longer just the end of a transaction. It is now a high-value real estate zone for real-time promotions and loyalty engagement. These systems automatically match products in a shopper's basket with available brand-funded discounts, applying them instantly at the point of sale. This shift is driven by the need for better data and immediate gratification. Brands are increasingly willing to fund these discounts because they get direct insight into what else is in the customer's basket, something that was previously difficult to track in real-time. For merchants, this technology reduces the friction of coupons and manual entry, which can speed up lines and improve the customer experience. While currently dominated by CPG brands, the infrastructure mirrors how Buy Now, Pay Later (BNPL) and other financing offers are being integrated directly into the payment flow. The goal is the same: reduce the final price or ease the payment burden at the exact moment the customer is ready to buy.

Source: PYMNTS

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