OMNI Payment Solutions

22/02/2026

🚀 The Future of Hospitality Technology Is Here — And It's Called OMNI POS Pro.

We've spent over 30 years perfecting point-of-sale technology for hospitality and retail. Six generations of innovation. Hundreds of venues across Australia and New Zealand. And now — we've built something the industry has never seen before.

✨ Introducing OMNI POS Pro — the world's first AI-native point-of-sale platform.

Forget everything you know about traditional POS systems. This isn't a software update. This is a complete reinvention of how your venue operates.

What makes it different?

🤖 AI Agents that actually work for you:
• Monitors your tables and service timing automatically
• Suggests intelligent upsells — the right items, at the right moment
• Builds your entire menu from a photo in under 10 seconds
• Posts your daily specials to social media — automatically

📊 Real-time intelligence:
• Live data. Live insights. Live decisions.
• No more guessing. No more end-of-night surprises.

💬 Set it up by simply talking to it:
• Describe what you want in plain English
• The system configures itself
• No technical knowledge required

And if you need proven, enterprise-grade horsepower — Our Advanced platform has been trusted by Australian and New Zealand venues for decades. Need something lighter? Web Till gets you operational in minutes, straight from a browser.

One ecosystem. Three platforms. Endless possibilities.

👉 Are you a venue owner, bar manager, or restaurant operator? We'd love to show you what OMNI POS Pro can do for your business.

💬 Drop a comment below, send us a message, or click the link to book a demo.

We read and respond to every enquiry personally. Let's talk. ☕

09/09/2025

Who Really Pays When Banks Step In?
The Reserve Bank of Australia wants to scrap card surcharges to save consumers $1.2 billion a year. At first glance, that sounds like a win. But today’s news that major banks plan to hike fees and cut rewards to cover their losses tells a different story.
👉 If surcharges vanish at the checkout, but higher card fees quietly appear on our statements, have we really solved the problem—or just moved it?
👉 If rewards programs shrink, interest-free days shorten, and annual fees rise, is the consumer really better off?
👉 And most importantly: what happens to cash-paying customers who will now subsidise card costs through higher shelf prices?
This isn’t just a payments policy tweak. It’s an economic shift. Costs don’t disappear—they migrate. And when they do, they often land on the shoulders least equipped to carry them.
The RBA wants transparency. But transparency without accountability risks turning into a shell game where the cost always finds the consumer—whether at the counter, in higher banking fees, or through diminished value in the rewards ecosystem.
💬 What do you think?
Is this reform fairer—or simply more opaque?
Should banks be allowed to offset interchange revenue by raising other fees?
Who will end up paying more: businesses, banks… or ultimately, all of us?

Send a message to learn more

13/08/2025

💳 Is the RBA About to Accidentally Push Inflation Up?
In July 2025, the Reserve Bank of Australia proposed scrapping all surcharges on eftpos, Mastercard, and Visa.

On paper, it’s a consumer win. No more awkward “1.5% surcharge” signs.
In reality? It could be a stealth inflation driver—landing at exactly the wrong time.

Here’s why 👇
When merchants lose the ability to recover card costs directly, those costs don’t disappear. They get buried in prices—for every customer, even cash payers.

Our merchant survey at OMNI Payment Solutions says it all:
📊 80% will raise prices across the board if surcharging is banned.
🧨 The Timing Problem

Australia’s inflation is still sticky. The RBA is watching CPI like a hawk to decide when—or if—to cut rates.

If prices creep up from this reform, CPI prints higher.
Higher CPI = Interest rate cuts delayed.

So the same RBA pushing this reform could be the RBA keeping borrowing costs painfully high for businesses and households.
The uncomfortable truth:
This isn’t just about payment fairness—it’s about macroeconomic consequences.

If a policy meant to “simplify payments” ends up prolonging the cost-of-living crisis, who really benefits?

💬 What do you think?
Should the RBA hit pause on this until inflation is under control?
Or is the trade-off worth it for simplicity’s sake?



Send a message to learn more

13/08/2025

💳 Who Really Pays? Why Ending Card Surcharges Could Hurt the Wrong People
By Rafal Potega, Director – OMNI Payment Solutions
The Reserve Bank of Australia’s July 2025 proposal to scrap surcharges on eftpos, Mastercard, and Visa transactions sounds like a win for consumers.
After all, Australians pay an estimated $1.2B in surcharges every year.

But here’s the uncomfortable truth:
Payments aren’t free. If surcharges disappear, the costs don’t vanish—they just get quietly shifted onto everyone, no matter how they pay.

📉 From Merchant Choice to Universal Cost
At OMNI Payment Solutions, we surveyed merchants across industries:
80% said they’d raise prices across the board if surcharging is banned.
That means cash-paying customers—who once avoided card fees—will now subsidise card transactions.
It’s not greed, it’s economic reality. Card acceptance costs include:

Interchange fees
Terminal rental
Compliance & security
Acquirer margins
Remove surcharges, and you remove price transparency—replacing it with a hidden, regressive tax on everyone.
⚖️ Who Loses vs. Who Wins
Losers:
Cash users & older Australians
Low-income households
Small businesses with limited bargaining power
Winners:
Heavy card users
Premium cardholders earning rewards
Card schemes enjoying reduced price sensitivity
This flips the original intent of surcharging—helping consumers choose more efficient payment methods—on its head.
🏪 Small Business Reality Check
The RBA says 90% of businesses will be better off.
Our conversations with merchants tell a different story:
Minimal negotiating power
Complex, opaque pricing
Doubts over whether lower interchange caps will translate into real savings
❓ The Real Question
If the result is higher prices, weaker efficiency incentives, and a regressive shift in costs—is this progress, or just better PR?
We all want modernisation and fairness in payments.
But fairness means those who use the service should bear its cost—not those who can least afford it.

💬 What’s your view?
Will removing surcharges help your business—or just shift the burden?
Share your thoughts below. Let’s have an honest conversation about the future of payments in Australia.
🔗 Learn more: www.omnipaymentsolutions.com

At OMNI Payment Solutions, our mission is to empower businesses of all sizes with seamless and secure payment solutions that drive growth and success. We are committed to simplifying the complex world of payments, providing innovative and reliable tools that enable our clients to focus on what they....

15/03/2025

How Retailers Are Navigating Global Supply Chain Uncertainty
by Rafal Potega, Director Strategy and Growth, OMNI Payment Solutions (March 2025)

As we move into 2025, one of the biggest challenges facing global retailers and brands is the uncertainty surrounding tariffs and their potential impact on supply chains. While the full scope of new tariff policies remains unclear, businesses are proactively adapting to mitigate cost disruptions. Retail, Consumer Packaged Goods (CPG), and wholesale companies across multiple markets are already implementing significant changes, with over 50% of organisations restructuring their supply chains in response to looming trade challenges.

To remain competitive and resilient, companies are focusing on diversification, automation, and strengthening supply chain flexibility. Here’s a closer look at the key strategies retailers are employing to navigate an increasingly volatile global trade landscape.

Optimizing Cost Structures
In an environment of fluctuating tariffs, retailers must adopt a proactive approach to cost management. Businesses can counter rising costs by diversifying supply chains, optimizing operations, and strategically evaluating whether to absorb additional expenses or pass them on to consumers.

While increased product prices may be inevitable, retailers can implement innovative pricing strategies—such as adjusting margins across product categories, leveraging brand loyalty to justify selective price increases, and employing hedging strategies to mitigate currency and commodity price fluctuations. These measures help protect profitability while maintaining consumer trust.

Leveraging Advanced Technology
Artificial intelligence (AI) and predictive analytics are emerging as game-changers in supply chain management, enabling businesses to anticipate demand shifts, forecast disruptions, and optimize procurement in real time. The adoption of AI is already delivering tangible benefits, with some retailers using predictive analytics to reduce inventory costs and shorten delivery times by up to 25%.

Beyond operational efficiency, AI-driven insights help businesses remain agile in responding to market changes. Retailers investing in these technologies, alongside upskilling their workforce to leverage them effectively, are better positioned to create resilient, adaptive supply chains.

Expanding Sourcing Networks
Overreliance on a single country for sourcing has proven risky, especially in times of geopolitical tension and aggressive tariff policies. As a result, diversification has become a top priority for global retailers looking to build resilience and reduce dependency risks.

Establishing a broader supplier base enhances supply chain flexibility, mitigates regional disruptions, and provides more options for cost-effective procurement. Companies that diversify their sourcing networks are better prepared to navigate trade uncertainties while maintaining product availability and competitive pricing.

Strengthening Supplier Relationships
Building strong, transparent supplier partnerships is a critical component of supply chain stability. Retailers that engage in collaborative planning, risk-sharing agreements, and joint sustainability initiatives foster a more resilient network of suppliers.

A recent PwC study found that companies with deeply integrated supplier relationships are 20% more likely to maintain stable operations during market fluctuations. Transparent reporting, adherence to evolving regulatory standards, and open communication with stakeholders further reinforce trust and reliability in supplier partnerships.

Investing in Nearshoring and Onshoring
The trend toward nearshoring and onshoring continues to gain momentum, driven by rising costs, supply chain disruptions, and geopolitical shifts. Companies are increasingly evaluating whether relocating production closer to home can enhance control, streamline operations, and reduce reliance on unpredictable global logistics.

While nearshoring isn’t a one-size-fits-all solution, it offers advantages such as shorter lead times, improved responsiveness to market demands, reduced transportation costs, and enhanced regulatory compliance. It also provides flexibility to source materials regionally and tailor products to local preferences, creating a competitive edge in dynamic markets.

Building a Resilient Supply Chain for the Future
With global trade complexities on the rise, retailers must adopt a multi-faceted, data-driven approach to supply chain management. By optimizing cost structures, leveraging advanced technologies, diversifying sourcing networks, strengthening supplier relationships, and exploring nearshoring options, companies can mitigate risks and position themselves for long-term success.

In an era of uncertainty, adaptability is key. Those who proactively refine their supply chain strategies today will not only weather the challenges ahead but also seize opportunities for sustainable growth in an evolving global marketplace.

Send a message to learn more

19/12/2024

As we approach the end of 2024, I find myself reflecting on what has truly been an extraordinary year. None of this success would have been possible without the unwavering support of our loyal customers, the trust of our dedicated partners, and the hard work and passion of our exceptional team.

This year has been one of remarkable growth and innovation:
🌟 We achieved over 100% revenue growth compared to 2023.
🌟 Expanded our solutions portfolio to include industry-leading Point of Sale software and advanced fraud protection tools.
🌟 Strengthened our partner network with industry-specific collaborations.
🌟 Introduced 24/7/365 merchant support, ensuring our clients are always taken care of.
🌟 Grew our team by 20% and proudly established a presence in new regions.

Looking ahead to 2025, we’re excited about upcoming announcements, including expanded capabilities to offer a broader portfolio of localized payment methods worldwide. The road ahead is full of promise, and we’re eager to continue innovating and supporting our incredible merchants.

I’m immensely proud of everything we’ve accomplished together and am grateful to everyone who contributed to this success. On behalf of the entire OMNI Payment Solutions team, I wish you all a joyful Christmas and a fantastic New Year.

Here’s to a bright and prosperous 2025! Stay safe, healthy, and inspired.

See you next year!
Warm regards,
The OMNI Payment Solutions Team

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14/11/2024

5 Key Trends Shaping the Future of Omnichannel Commerce

In the rapidly evolving world of retail, omnichannel commerce has emerged as a game-changer, bridging the gap between physical and digital shopping experiences to create seamless, flexible customer journeys. As the demand for a frictionless shopping experience intensifies, businesses are implementing new strategies to connect every customer touchpoint—from physical storefronts to mobile and online platforms. Here, we explore five transformative trends defining omnichannel commerce today and how forward-thinking companies are leveraging these changes to stay ahead.

1. The Rise of “Phygital”: Blending Physical and Digital Experiences
The fusion of physical and digital shopping experiences, often called “phygital,” is becoming the norm. In-store technology now complements online commerce, creating a fluid interaction between physical retail spaces and digital touchpoints. By adopting "phygital" strategies, retailers enhance the customer experience in-store with tools such as:
- Experiential Retail: Retailers are adding entertainment elements, product interactions, and personalised services to physical stores, fostering deeper customer loyalty and creating memorable experiences.
- Endless Aisle: Technologies that combine in-store, online, and distribution-centre inventories allow customers to access and purchase items from any location, improving inventory flexibility.
- Self-Checkout: With rising customer demand for faster and contactless transactions, self-checkout technology has expanded, helping to reduce wait times and streamline in-store purchases.
- Augmented Reality (AR) and Interactive Displays: AR tools like virtual try-ons and smart mirrors allow customers to visualize products in new ways, increasing confidence in their purchases.
These “phygital” innovations are not only enhancing the customer experience but also driving greater foot traffic as physical stores evolve into experiential spaces.

2. BOPIS and Omnichannel Fulfillment Options Continue to Grow
Omnichannel fulfillment options, such as Buy Online, Pick Up In-Store (BOPIS), click-and-collect have gained significant traction. This flexibility is a win-win, offering customers greater convenience while helping retailers reduce delivery costs and optimise store inventories. According to a 2024 Omnichannel Leadership Report, 42% of eCommerce orders involved physical stores.

The benefits of omnichannel fulfillment options are clear:
- Reduced Delivery Costs: By leveraging local stores for fulfillment, retailers reduce reliance on shipping logistics.
- Increased Foot Traffic: BOPIS and similar options encourage in-store visits, often leading to additional impulse purchases.
- Flexibility in Returns: BORIS (Buy Online, Return In-Store) provides customers a hassle-free return experience, an increasingly important factor in customer satisfaction.
This model’s success hinges on robust inventory management and technology infrastructure, enabling retailers to offer a reliable and real-time product availability view.

3. Shoppable Content Across Channels
As omnichannel content becomes more interactive, shoppable content is redefining how consumers discover and buy products. Non-commercial content, like social media posts, videos, and even TV shows, now serve as touchpoints for consumer purchases, making every experience an opportunity to shop.

Shoppable content allows brands to:
- Capture Purchase Intent Immediately: Customers can purchase items directly from the content they’re viewing, such as clothing featured on a character in a show.
- Create Authentic Interactions: By demonstrating product use in real-life scenarios, shoppable content establishes a natural connection with the consumer.
- Leverage a Range of Channels: Retailers can extend their reach by enabling purchases across platforms, from Instagram posts to interactive TV.

Media giants have already tapped into this strategy, enabling viewers to shop directly from their shows. This immediate call to action boosts conversion rates and creates a seamless experience from content engagement to checkout.

4. Mobile Commerce Dominates but Merchants Must Keep Up
Mobile commerce, or mCommerce, is no longer optional—it’s a must-have. In 2024, mobile devices accounted for 66% of all online traffic, yet many merchants still lag in providing a seamless mobile shopping experience. Consumers expect mobile-friendly sites, apps, and store integration with mobile functionalities to elevate their shopping journeys.

Key mobile features include:
-“Store Mode” : Mobile apps now offer in-store modes with store maps, barcode scanning, and tailored in-store content, enhancing the customer journey.
- Exclusive Offers and Loyalty Programs: Many consumers will download a brand’s app to unlock loyalty perks and exclusive deals.
- Digital Wallets: Payment options like Apple Pay and Google Pay are crucial, particularly as mobile use becomes more integral to both online and in-store purchases.

Brands like Ulta Beauty excel in this area, providing a mobile app that becomes a “shopping companion” for in-store and online purchases, integrating loyalty points and exclusive promotions to improve customer engagement and retention.

5. A Renewed Focus on Data for Personalisation and Loyalty
Data-driven personalisation is foundational to modern omnichannel success. Research consistently shows that customers not only value personalisation but are also more willing to share data for a tailored shopping experience. However, effectively using this data remains a challenge for many businesses.

Retailers are leveraging data and advanced tools to:
- Deliver Personalised Experiences: AI and machine learning enable brands to predict consumer preferences, offering product recommendations, and dynamic pricing.
- Enhance Loyalty Programs: Gamified loyalty programs and exclusive offers encourage deeper engagement, while loyalty programs create multiple engagement touchpoints.
- Utilise Generative AI: AI tools allow brands to respond to customer needs in real time, accelerating data analysis to adapt to shopper trends.

For example, retailers like Five Below have successfully used GenAI to improve the shopping experience by providing instant product insights, helping customers find products in vast inventories, and tailoring recommendations in real-time.

Final Thoughts
Omnichannel commerce is rapidly evolving, with a renewed emphasis on customer-centricity and personalisation. As consumers’ expectations shift toward seamless, integrated shopping experiences, brands are challenged to bridge the digital and physical divide. By adopting these trends, forward-thinking retailers can create a compelling omnichannel presence that not only meets but exceeds customer expectations.

In a world where every touchpoint counts, businesses that adapt quickly will lead the future of retail.

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10/11/2024

🌟 Support the Omni Mo Brosquad for Movember! 🌟

This Movember, the Omni Mo Brosquad is growing mustaches with a purpose—to raise funds and awareness for men’s health and save lives. We’re standing up for our fathers, brothers, sons, and friends by supporting critical causes like mental health, su***de prevention, and prostate and testicular cancer.

💪 Let’s make a difference together! Your donation, big or small, will go directly toward lifesaving programs that give men the support they need.

Please click the link below to donate and help us change the face of men’s health! Every bit counts, and together, we can make an incredible impact. 👨💙

https://movember.com/t/omnimobrosquad?mc=1

Thank you for standing with us!

Movember, the month formerly known as November, is a moustache growing charity event held during November each year that raises funds and awareness for men's health.

04/10/2024

Phishing has escalated to alarming levels

According to Cofense’s 2024 Annual State of Email Security report, the volume of malicious emails bypassing secure email gateways more than doubled in the past year. Over 90% of data breaches detected in 2023 were tied to credential phishing, highlighting the growing threat.

While specific details about phishing tactics are often scarce, security experts urge users to exercise caution, particularly when responding to emails from senior executives—especially if it’s uncommon for them to reach out directly.

Employees remain the most vulnerable point in cybersecurity defences. As phishing attacks become more sophisticated, even experienced employees may struggle to distinguish between legitimate emails and carefully crafted phishing attempts.

"Organizations must regularly train their workforce to recognise advanced phishing techniques," advises Jennifer Pitt, Senior Analyst for Fraud and Security at Javelin Strategy & Research. "Employees should be wary of any email requesting them to click a link or provide sensitive information. To reduce confusion, organizations should avoid embedding such links in legitimate company communications."

Employees should never disclose passwords, even if the request seems to come from someone as high up as the CEO. Additionally, implementing a two-person verification process for changes to bank accounts, vendor information, or large financial transactions can provide an essential safeguard. Since fraudsters often exploit a sense of urgency, having a second person review and approve changes can give employees the chance to pause and scrutinize the email's authenticity.

If there’s any doubt about an email’s legitimacy, employees should be encouraged to contact the sender directly using the contact information on file, not the details provided in the suspicious email.

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29/09/2024

Fighting Deep Fake Fraud: A New Era in Payment Security

For over 70 years, the payment card industry has been in a relentless battle against fraud, continually adapting to the tactics employed by criminals exploiting weaknesses in data protection. In recent years, however, the rise of artificial intelligence (AI) in the hands of organized crime has accelerated this arms race. Today’s fraud defense systems are facing unprecedented challenges as they strive to keep pace with rapidly evolving threats.

The Evolving Threat Landscape

Organized crime syndicates and state-sponsored actors are now leveraging legacy machine learning AI to execute large-scale fraud through automated bot attacks. This has already proven effective, but the introduction of generative AI (genAI) tools represents a significant leap forward. These advanced technologies can manipulate vast databases of personally identifiable information (PII) with alarming efficiency, paving the way for more sophisticated and widespread attacks.

Currently, it’s estimated that around 10 billion records of PII are available for purchase from both legitimate data aggregators and illicit sources on the dark web. The ease with which this data can be acquired makes it increasingly vulnerable to compromise, undermining the effectiveness of existing identity verification methods for both consumers and businesses.

The Mechanics of Synthetic Identity Fraud

Machine learning AI has enabled criminals to create synthetic identities using PII. Initially, these fraudsters relied on the same PII for each attempt, raising red flags for merchants and financial institutions employing cutting-edge fraud detection technologies. However, the emergence of randomization engines now allows these criminals to generate diverse combinations of data, mimicking genuine identities and complicating detection efforts.

GenAI takes this a step further, enhancing the ability to obscure fraudulent activities even at scale. It allows criminals to differentiate each attempt at a granular level—both in terms of data and visual representation—posing a significant challenge for traditional fraud prevention systems.

Deep Fakes: A New Dimension of Deception

In addition to varying PII data points, genAI empowers criminals to manipulate biometric information used for identity verification, including the creation of deep fakes. They can alter backgrounds in selfies, combine multiple faces to mislead detection algorithms, and modify identity document images. Voice alterations further complicate the landscape, with criminals capable of simulating liveness using images sourced from the internet.

Innovative Solutions in Fraud Prevention

Companies like Au10tix are at the forefront of combating these sophisticated threats. With a background in border control and airport security, Au10tix serves major clients such as Google, Payoneer, and PayU, offering automated identity verification technology to combat payment fraud. In 2023, Au10tix's Serial Fraud Monitor—a tool designed to track organized and professional fraud attempts—uncovered a genAI-driven attack where an organized crime gang attempted to open over 22,000 accounts simultaneously using discreet PII.

The latest innovation from Au10tix focuses on deep fake detection. Instead of merely training systems to distinguish between authentic and fake images, Au10tix seeks to identify the signatures of various programs capable of generating deep fakes. This proactive approach allows for invisible fraud protection that is efficient and cloud-based, adapting to the ever-changing landscape of digital fraud.

Conclusion

As AI technology continues to advance, so too do the tactics employed by criminals. The payment card industry must remain vigilant, investing in innovative solutions that can stay ahead of these evolving threats. By harnessing the latest in fraud detection technology, companies can bolster their defenses against the increasingly complex world of deep fake fraud, safeguarding both their customers and their bottom lines.

If you want to find out how to protect yourself and your organisation, please contact our support team by emailing them : [email protected].

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05/05/2024

https://crimestopperssa.com.au/resource/how-to-avoid-being-a-victim-of-credit-card-fraud/

It is hard to believe, but data from the Australian Payments Network shows that credit card fraud in Australia cost $490.1 million in the 2020/21 financial year. That is a staggering increase of 9.2% from the previous financial year and means an estimated 6.9% of Australians aged 15 years and over (...

10/02/2024

It was great to be part of the first networking event for 2024 in Sydney.