The rise of new payment options are changing the world of retail payments — Apple Pay and Android Pay are just the beginning. Retailers have long disliked the charges levied by the card networks, but with their customers loyal to plastic, they had to accept it. Now, new options on the market create new opportunities, but these options also require AD&D professionals to create a strategy to incorporate and manage these changes. This report helps AD&D professionals to understand how to prepare their applications portfolio to exploit the opportunities of payment innovations.