Most of the payment industry is controlled by international players and commercial banks when it comes to payment schemes and methods, PSPs and payment infrastructure. Payment has earlier been more like a “no issue” for the retailers, but that is changing due to new and more complex payment methods, increase in cost and fear for loss of customer control. How is the largest grocery chain in Norway facing the new challenges? Is it possible to develop new cash services together with the banks in a strongly declining cash market? Is it possible to develop new payment methods in close cooperation with the national payment infrastructure (scheme)? And what are the biggest challenges in achieving the best solutions?