One platform for every way your customers pay 

Loomis Pay offers an integrated point-of-sale (POS) and payments platform that brings digital and cash payments together in one coherent system. For retailers juggling cards, cash, wallets, and a patchwork of disconnected tools, it replaces complexity with a single, coherent way to manage every transaction. 

As Erik Zingmark, CEO of Loomis Pay, puts it: 

“Loomis Pay is a fintech company within the Loomis Group. What we provide is digital payments and POS services, and then we combine it with the Loomis Group cash services as a bundle.” 

By combining software, payment services, and hardware, retailers can manage all major payment methods through one contract and one point of support, then scale the solution as their business grows. The platform supports both physical and digital sales and integrates with leading business systems to simplify multichannel operations.

Combining every payment type, and unlocking the data behind them

One of the clearest advantages of an integrated platform is what happens when every payment type flows through a single system. Loomis Pay consolidates digital and cash payments into one stream, and that consolidation creates both operational and financial benefits for merchants.

Erik Zingmark explains the value of bringing it all together: 

“All the digital payments, as well as the cash payments, are consolidated, providing operational efficiencies for the retailer, but also financial benefits because they get all payments in one flow.” 

With every transaction in one place, merchants gain better cash flow visibility, new opportunities to improve liquidity, and tighter control across a network of stores. The operational gains are real, but so is the strategic value of the data that consolidation unlocks. 

That data is where integrated payments become a growth engine. When cash and digital transactions sit side by side, retailers can finally see the full picture of how, when, and where their customers pay. As Zingmark puts it, that insight helps retailers understand where they are performing well and where they need to improve. Decisions about staffing, inventory, store performance, and customer behavior stop being guesswork and start being grounded in a complete view of the business.

Compliance made easy, with automatic audit trails 

As payment environments grow more complex, so do the demands of compliance. Auditors, insurers, regulators, and tax authorities all expect a clear, verifiable record of every transaction. For retailers managing multiple payment types across multiple locations, assembling that record manually can be a significant burden. 

Consolidation solves this almost by default. By bringing every payment into one experience, Loomis Pay gives retailers an auditable record of transactions in a single reporting file. Erik Zingmark describes the effect: 

“We can provide the retailer with an auditable record of transactions where you find all the transactions in one reporting file. The visibility and transparency of the transaction flow is improved a lot.”

The benefit extends well beyond the merchant. A single, transparent transaction flow provides comfort to the retailer, their customers, their auditors, their insurers, and regulators alike. Compliance becomes less about chasing paperwork and more about pointing to a record that is already complete, accurate, and ready for review. Audit trails are generated automatically, not reconstructed after the fact.  

One package, built for modularity 

Retailers are navigating an increasingly complex payments environment, and what they are asking for is clarity without losing the ability to adapt as their business evolves. Zingmark describes the balance they are looking for:

“As any business that is running, you want to have a simplified environment, you want to focus on your core business, but you also need flexibility and modularity in your business.” 

At Loomis Pay, this starts with one unified package designed to remove unnecessary complexity across the entire payment setup. Importantly, that package is not limited to technology alone: 

“We’re the only one providing a true one package. And that package is not only a technical package, it’s also the legal contract, the support model, the pricing model, the settlement and consolidation, to really give one experience.”

Simplicity at the core does not mean limitations at the edges. The platform is built to support an ecosystem around the retailer, so additional systems, including staff management, inventory, and ERP, can be connected through APIs as the business grows. Merchants can build their own cockpit around the Loomis Pay package and expand it on their own terms. 

The result is a solution that creates structure and consistency while remaining open and modular. Retailers get a stable foundation today and room to evolve tomorrow.

The European retail payments market is ready for consolidation

European retail payments have evolved quickly, but POS technology has not kept pace. While the payment processing side is dominated by a handful of large global players, the POS side remains highly fragmented, with countless providers all trying to solve similar problems for the same merchants. 

For Erik Zingmark, who joined the business from a banking background, that imbalance was striking: 

“I was amazed by how fragmented it is on the POS side. It’s too many players trying to serve the same customers. And this is something I expect to change. It has to change.”

POS is no longer just about the checkout. It is becoming a core platform, supported by ecosystems that let retailers integrate, adapt, and grow over time. As merchants demand scale, consistency, and solutions that work across markets and business types, the current fragmented model is coming under real pressure. 

The next phase of European retail will be shaped by consolidation, both across verticals such as retail, food and beverage, and services, and across borders. Scale will matter, as will margins, operational efficiency, and the ability to support merchants consistently in multiple markets. As Zingmark notes, cross-border consolidation may be the only way to keep margins healthy across the industry.

Where digital meets cash

Loomis Pay’s digital capabilities are only one half of the story. The other half is cash, and here the Loomis Group brings decades of expertise in secure, automated cash handling. It is the combination of digital payments and cash, brought together in a single integrated solution, that makes Loomis Pay genuinely unique in the market. Few providers can offer both, and fewer still can offer them through one contract, one platform, and one point of support. 

This is the foundation the platform is built on: not digital or cash, but both, consolidated into one coherent system that grows with the retailer. 

Five years on from its launch in October 2025, Loomis Pay operates across the Nordics and Spain, with a clear plan to expand further across Europe in the coming years. The focus remains on innovation, scalability, and giving retailers the flexibility to grow, while keeping payments transparent and aligned with how customers actually prefer to pay. 

Letting merchants transact the way they prefer 

Everything Loomis Pay builds comes back to a single idea. As Erik Zingmark sums it up, the goal is to enable the retailer and their end customer to transact the way they prefer, whether that means cash, cards, or increasingly account-to-account payments in the future. 

By consolidating that flow into one coherent system, Loomis Pay simplifies daily operations, strengthens compliance, unlocks valuable data, and gives retailers across the Nordics, Spain, and soon the wider European market a platform built to grow with them. Five years in, payments are getting simpler, even as the landscape grows more complex.