Enquire now
Illustration of a customer choosing between making a payment with a card reader, laptop, or mobile phone

A simple, frictionless shopping experience

Whether it’s the ease of making a face-to-face payment, or the convenience of returning an online purchase to a local store, our omnichannel payment gateway gives customers the freedom and flexibility to choose how they transact, and gives you the ability to track spending habits, explore customer behaviours and understand your business better.

Illustration of a customer choosing between making a payment with a card reader, laptop, or mobile phone

A simple, frictionless shopping experience

Whether it’s the ease of making a face-to-face payment, or the convenience of returning an online purchase to a local store, our omnichannel payment gateway gives customers the freedom and flexibility to choose how they transact, and gives you the ability to track spending habits, explore customer behaviours and understand your business better.

Benefits of using our omnichannel payment gateway

Consistent customer experience

A customer is recognised through their payment data whether they buy online, in-store or over the phone. 

Single customer view

Get a 360-degree view of real-time payment activity across every point-of-sale channel, all in one place.

Intelligent insights

Combine rich data with business analytics to build customer profiles that include behaviours, preferences and spending habits.

Personalised experiences

Build customer personas and send personalised messages with rewards, offers and incentives.

Value-added services

Bank-to-Bank transfers using open banking, click and collect, and loyalty rewards provide more convenience for customers.

Integrated payment security

Protect and encrypt customer data to help simplify your PCI DSS compliance.

Various payment logos
Logos for types of payments used
Lloyds Bank Cardnet's omnichannel solution at work video

Omnichannel payments at work

Our gateway enables a better customer experience when processing product exchanges and refunds by using tokenisation. Customer payment data is encrypted for a payment made using one channel, then recalled as part of another transaction, typically a refund, on a different channel.

The gateway can also use ‘Click and Collect’ for goods and services. For each purchase, the same card is used to identify the customer and enable a simple pick up.


A refund example:
 

1: Purchase

A customer purchases an item online using a debit card.

2: Decision

They then change their mind and want a refund.

3: Return

Instead of returning the product online and sending it back in the post, they visit a store to request their money back.

4: Refund

By using the same payment method as before, their information is recalled and the refund is authorised.


A 'Click and Collect' example:
 

1: Purchase

A customer makes an online purchase using Google Pay.

2: Choice

The merchant can either process the payment immediately or on collection at the specified location.

3: Collection

The customer arrives to collect the goods and uses the same card to identify themselves.

4: Payment

The merchant closes off the purchase, and reconciles their accounts.

Talk to one of our specialists

Speak to your relationship manager or one of our  specialists to explore how an omnichannel solution could help.

Contact usContact us
Data stored in mobile and laptop

Data-driven commerce

Using the range of data sets and fully-integrated analytics, you have the option to forecast against bespoke business intelligence, helping you drive consumer behaviour. As well as access to our comprehensive reporting and reconciliation platform, you can also create custom dashboards to present the data that is most important to your business.

By having a single overview of every sales channel, our reporting capabilities can offer you a clearer understanding of how customers engage with your business and the decisions you need to make to push your business forwards.

Frequently asked questions

What’s the difference between omnichannel and multichannel?

The main difference is that multichannel is when a business has a choice of channels for customers to buy products and services on, including online or face-to-face. Payments made on these channels are usually processed and managed separately. Omnichannel is when, regardless of channel used, every payment is connected through a payment gateway, giving the customer a more consistent and integrated shopping experience.

  • Our pricing is clear and simple to understand, consisting of a flat monthly fee and a pence-per-transaction fee (+VAT). These fees cover all features of Lloyds Bank Online Payments, including a Fraud Prevention tool. You will also pay a separate Merchant Service charge for Cardnet’s acquiring services.

  • Customer payment data is encrypted to the highest industry standards, helping you deliver the highest levels of integrated payments security. You will also have access to a fraud screening tool that monitors customer activity and helps stop potentially fraudulent transactions being processed – protecting both your business and your customers from financial harm

  • Tokenisation is a system designed to replace a sensitive piece of data, like a customer’s card details, for a randomised number known as a ‘token’ that has no financial meaning or value. It allows a merchant to recognise the customer and their data the next time the card is used, keeping the customer’s card details securely stored within a payment gateway, meaning the merchant never sees any sensitive information and doesn’t have to worry about storing that data. Tokens can also help businesses to better understand customer requirements and behaviours, such as telling you the channel someone used, how they paid and even the amount they spent.  

  • The omnichannel payment gateway can connect to mobile, in-store, click and collect, telephony and eCommerce channels.

  • The main difference is that multichannel is when a business has a choice of channels for customers to buy products and services on, including online or face-to-face. Payments made on these channels are usually processed and managed separately. Omnichannel is when, regardless of channel used, every payment is connected through a payment gateway, giving the customer a more consistent and integrated shopping experience.

  • Our pricing is clear and simple to understand, consisting of a flat monthly fee and a pence-per-transaction fee (+VAT). These fees cover all features of Lloyds Bank Online Payments, including a Fraud Prevention tool. You will also pay a separate Merchant Service charge for Cardnet’s acquiring services.

  • Customer payment data is encrypted to the highest industry standards, helping you deliver the highest levels of integrated payments security. You will also have access to a fraud screening tool that monitors customer activity and helps stop potentially fraudulent transactions being processed – protecting both your business and your customers from financial harm

  • Tokenisation is a system designed to replace a sensitive piece of data, like a customer’s card details, for a randomised number known as a ‘token’ that has no financial meaning or value. It allows a merchant to recognise the customer and their data the next time the card is used, keeping the customer’s card details securely stored within a payment gateway, meaning the merchant never sees any sensitive information and doesn’t have to worry about storing that data. Tokens can also help businesses to better understand customer requirements and behaviours, such as telling you the channel someone used, how they paid and even the amount they spent.  

  • The omnichannel payment gateway can connect to mobile, in-store, click and collect, telephony and eCommerce channels.

How do you want to take payments?

Illustration of making a payment using a card reader

Card readers

For businesses that need to take payments face to face at the till, at a table or away from their premises.

Card readers
Illustration of making a payment on a laptop

Online

For businesses who rely on taking payments through their website or other digital channels, including pay by link.

Online payments
Illustration of making a payment on a mobile phone

Over the phone

For businesses who need a secure way to take payments when a cardholder is not present.

Over-the-phone payments

Important legal information

Cardnet® is a registered trademark of Lloyds Bank plc.

We may monitor or record calls to make sure we have carried out your instructions correctly and to help improve the quality of our service.

Please remember we cannot guarantee the security of messages sent by email.

Lloyds Bank plc and Bank of Scotland plc (member of Lloyds Banking Group) are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Authorisation can be checked on the Financial Services Register at www.fca.org.uk