Digitalization at the gas stations, in public transport, and then in grocery retail and cafes facilitates a transition to Close-Loop solutions, easily integratedthrough the APIs. For hundreds of thousands of merchants this means a gain of about 2% per client transaction.With mobile payments, available processing softwareand electronic document exchange in place, decentralized architecture and the possibility of direct payment interactionwith the clientare coming back to the retailers. According to Herman Chebotarev, General Director of Benzindex, gas stations, like a hundred years ago, leadthe way in the payment transformation.