
Retail Agility: The Future of Payments

What legal challenges do retailers face in payments today?
We surveyed the top 100 UK retailers to reveal how payments have evolved from a technical necessity to a strategic differentiator. This report explores how retailers can strengthen their payment ecosystems, manage risk, and stay ahead of regulatory and operational challenges.
From BNPL transparency to AI governance and the emerging role of agentic AI, we outline the actions legal and commercial leaders need to take to drive innovation and maintain customer trust.

Watch highlights from the report
Head of Retail and Consumer Goods, Perran Jervis and Head of Payments, Alex Williamson unpack key insights from the report.
Payment Health Check for Retailers
Get a tailored review from TLT's market-leading payments team, including
✓ A workshop to define payment priorities.
✓ PSP contract audit.
✓ BNPL regulatory readiness.
✓ Data-flow mapping and risk assessment.
✓ Fraud-control optimisation.
✓ Agentic commerce readiness assessment.

Meet our payments team
Insights & events

Retrospective claims following Black Lives Matter movement
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TLT advises solar and battery developer on sale of 26.37 MWp solar farm.
TLT advises Funding 365 on strategic acquisition by Balbec Capital
TLT advises PXN Ventures on investment into medical and industrial tech company
TLT places in The Times Top 50 for Gender Equality list for fourth consecutive year
TLT moves into cutting edge new Birmingham premises
Constant and Constant Greece (the international affiliate of TLT) advises Piraeus Bank S.A. on landmark Euronext Athens listing
TLT Future Energy team reaches new heights in Clean Energy Legal League Table
TLT Partner appointed as Co-Chair of major UK anti-fraud coalition
TLT advises owners of leading waste recycling and specialist vehicle services operator on sale to major UK waste management services business
TLT advises leading developer and independent power producer on major solar and battery portfolio project financing
TLT strengthens national real estate offering with strategic partner hire trio
TLT advises CCI Global on landmark strategic merger with Startek
TLT advises award-winning accountancy firm on acquisition of Green Square
TLT advises on the sale of cloud optimisation specialists
ESG in Action: Financing change and changing finance with Triodos Bank
The Balancing Act: Unblocking regeneration - public land, risk and delivery
ESG in Action: Working better with Working Families: Flexibility in the workplace
The Balancing Act: Regeneration by the community, for the community
ESG in Action: The future starts at school: Embedding sustainability early with The Green Britain Foundation
The Balancing Act: Regeneration beyond the contract
Energise2030: Developing energy projects for the long-term
The Balancing Act: Partnerships, trust and patient capital
ESG in Action: Inside the Government Legal Department's social mobility agenda
ESG in Action: Climate resilience in real terms: Breaking sustainability silos with Santander
ESG in Action: Hospitality and sustainability working together for future successes
ESG in Action: Beyond returns: Inside the world of responsible investment
ESG in Action: Trailblazing with Ablaze: Helping young people succeed
ESG in Action: Power from the panels: Profit with purpose with Eden Sustainable
SMConnect Webinars: Practical Insight for leaders in SMCR roles
international-fintech-brexit-preparations
major-uk-utilities-provider-employment-law-brexit
tlt-oversees-an-international-acquisition-of-a-specialised-south-west-business
tlt-advises-on-the-90m-sale-of-long-standing-clients-business
advising-a-fast-growth-ecommerce-consultancy-on-a-share-capital-sale-and-reinvestment
TLT’s Future Energy Women’s Network video series
Bitesize ERA - Episode 6: Delivering change under the ERA reforms
preparing-for-the-procurement-act-2023
community-connection-and-collaboration-tlt-and-fgr
placing-sustainability-at-the-heart-of-learning
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TLT advises solar and battery developer on sale of 26.37 MWp solar farm.

TLT advises Funding 365 on strategic acquisition by Balbec Capital

TLT advises PXN Ventures on investment into medical and industrial tech company

TLT places in The Times Top 50 for Gender Equality list for fourth consecutive year

TLT moves into cutting edge new Birmingham premises

Constant and Constant Greece (the international affiliate of TLT) advises Piraeus Bank S.A. on landmark Euronext Athens listing

TLT Future Energy team reaches new heights in Clean Energy Legal League Table

TLT Partner appointed as Co-Chair of major UK anti-fraud coalition

TLT advises owners of leading waste recycling and specialist vehicle services operator on sale to major UK waste management services business

TLT advises leading developer and independent power producer on major solar and battery portfolio project financing

TLT strengthens national real estate offering with strategic partner hire trio

TLT advises CCI Global on landmark strategic merger with Startek

TLT advises award-winning accountancy firm on acquisition of Green Square

TLT advises on the sale of cloud optimisation specialists

ESG in Action: Financing change and changing finance with Triodos Bank

The Balancing Act: Unblocking regeneration - public land, risk and delivery

ESG in Action: Working better with Working Families: Flexibility in the workplace

The Balancing Act: Regeneration by the community, for the community

ESG in Action: The future starts at school: Embedding sustainability early with The Green Britain Foundation

The Balancing Act: Regeneration beyond the contract

Energise2030: Developing energy projects for the long-term

The Balancing Act: Partnerships, trust and patient capital

ESG in Action: Inside the Government Legal Department’s social mobility agenda

ESG in Action: Climate resilience in real terms: Breaking sustainability silos with Santander

ESG in Action: Hospitality and sustainability working together for future successes

ESG in Action: Beyond returns: Inside the world of responsible investment

ESG in Action: Trailblazing with Ablaze: Helping young people succeed

ESG in Action: Power from the panels: Profit with purpose with Eden Sustainable

SMConnect Webinars: Practical Insight for leaders in SMCR roles

International Fintech Case Study: Brexit Contract Migration | TLT

UK Utilities Case Study: Employment Law and Brexit Planning | TLT

TLT oversees an international acquisition of a specialised South West business

TLT advises on the £90m sale of long-standing client's business

Advising a fast-growth eCommerce consultancy on a share capital sale and reinvestment

TLT’s Future Energy Women’s Network video series: Insights from women working across the future energy market

Bitesize ERA - Episode 6: Delivering change under the ERA reforms

Preparing for the Procurement Act 2023 - construction industry focus

Community, connection and collaboration - TLT and Forest Green Rovers FC


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