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The payments landscape is evolving rapidly, driven by growing consumer expectations for seamless, flexible, and secure transactions across every channel. Today’s merchants, ranging from boutique retailers to specialty service providers, must navigate a complex ecosystem of in-store, online, and mobile payments to remain competitive. At Finix, our research identifies the key trends shaping the evolution of omnichannel payments in 2025. These insights offer a roadmap for how merchants can unify their payment experiences across multiple platforms and channels to drive customer satisfaction and growth.

As we move into 2025, the world of in-person and online payments is undergoing a major transformation. Technology continues to evolve at a rapid pace, and with it, consumer and business expectations are shifting. One of the most significant trends shaping the future is the rise of real-time payments—also known as instant transactions and payouts. Instant transactions refer to the immediate transfer of funds from one account to another, providing businesses and consumers with seamless, fast payment processing.  Instant payouts, on the other hand, enable businesses to quickly disburse funds to recipients, whether paying gig workers, contractors, or issuing refunds—ensuring timely access to money and enhancing cash flow. Both instant transactions and payouts are revolutionizing how businesses operate, offering greater control, efficiency, and convenience for all parties involved.

It can be challenging managing multiple locations, ensuring smooth transactions, and maintaining financial clarity without the right payment infrastructure. Finix empowers franchises with an all-in-one payments platform that simplifies operations, optimizes merging revenue streams, and enhances the overall customer experience across locations.

Introduction: Empowering Innovation in Higher Education Payments Higher education institutions are facing mounting challenges: declining enrollment rates, rising accounts receivable (A/R) balances, and outdated payment systems that frustrate both students and administrators. Enter Meadow, a trailblazing startup founded in 2021. Their mission? To empower colleges and universities with modern, student-friendly tools that simplify payments and alleviate administrative burdens. To bring this vision to life, Meadow sought a powerful partner capable of navigating the complexities of collegiate payment infrastructure—a partner they found in Finix. This is the story of how Meadow scaled their operations and redefined the student financial experience by leveraging Finix’s cutting-edge payments platform.

As technology continues to become more prevalent across all industries, embedded payments have emerged as a powerful tool for platforms seeking to drive growth, differentiate themselves, and create seamless user experiences. What was once considered a back-office utility has evolved into a strategic asset that empowers businesses to unlock new revenue streams, deepen customer relationships, and streamline operations. Finix is at the forefront of this transformation, enabling platforms to embrace embedded payments with confidence and agility. This provides key highlights from our partnership with EY and explores the growing importance of embedded payments, key trends driving adoption, and how Finix is uniquely positioned to support non-financial platforms in their journey to harness this game-changing technology.