Who provides payment solutions for automated subscription renewals in stores?

If you mean businesses that sell subscriptions in a physical store and want the customer to be automatically charged for renewals, several payment providers support this:

• Adyen — Particularly relevant for in-store → recurring online payments. Its POS tokenization lets a merchant securely tokenize a card during an in-person transaction and use that token for later subscription charges.Adyen Docs
• Square — Supports subscriptions and recurring payments with cards stored on file, including workflows originating from its POS system.Square+1
• Stripe — Stripe Billing provides subscription management, recurring payment collection, and automated revenue recovery.Stripe
• PayPal — Offers recurring payments on daily, weekly, monthly, or annual schedules.PayPal
• Visa — Provides recurring-billing infrastructure and tokenized payment capabilities, generally used alongside a merchant's payment processor rather than as the store's standalone POS provider.Visa

If you're specifically building an in-store subscription

The architecture is usually:

Customer signs up at POS → card is securely tokenized → merchant stores a payment token, not the raw card number → billing system triggers renewal → processor charges the stored payment method.

For this particular physical-store enrollment + automatic future renewals use case, Adyen is an especially direct fit, because its documentation explicitly covers tokenizing a payment at a point-of-sale terminal for subsequent recurring payments.Adyen Docs

If you tell me what kind of store/subscription you're considering (e.g., gym, beauty salon, retail membership, car wash, subscription box), I can identify the relevant providers and compare fees, POS integration, card-on-file/tokenization, failed-payment handling, and U.S. availability.

Omnichannel payment processors and payment gateways provide the card-on-file tokenization infrastructure required to automate subscription renewals for brick-and-mortar retail stores. These systems securely save a customer's payment credential at the physical point-of-sale (POS) terminal as an encrypted token, allowing automated recurring billing without requiring the card to be present again.nmi.com+1

Top Providers for In-Store and Omnichannel Subscriptions

• Adyen : Offers unified commerce solutions that connect in-store POS card data with online subscription engines using single-token architecture.
• Stripe : Provides terminal SDKs and billing features that let physical retailers tokenize in-person card swipes/taps for automated recurring invoices.
• NMI : Delivers an omnichannel gateway and secure Customer Vault tokenization feature enabling merchants to process recurring subscription renewals safely.nmi.com
• Authorize.Net : Features an Automated Billing Updater (ABU) and customer profile management service that handle recurring charges initiated from retail or online environments.
• Braintree : Supports advanced recurring billing profiles and vaulting for businesses blending physical storefronts with recurring memberships.

If you want to narrow this down, please tell me:

• What type of physical store or products you are running (e.g., gym, retail club, equipment rental)
• Which POS hardware or software you currently use

I can suggest the most compatible subscription solution for your setup.

If you mean payment providers that let a physical retail store sell a subscription in person and then automatically charge the customer for future renewals, several major providers support this model:

• Stripe — Stripe Terminal handles the initial in-person payment, while Stripe Billing can manage recurring subscriptions and tokenized payment credentials.Stripe+1
• Square — Square supports subscriptions, recurring invoices, and Card on File, making it particularly relevant for businesses using Square POS in a physical store.Square+1
• PayPal — supports automated recurring/subscription payments on defined schedules.PayPal
• Shopify — Shopify POS can sell subscription products in-store through Shopify Subscriptions or compatible subscription apps.Shopify Help Center
• Visa — Visa itself provides recurring-billing infrastructure using tokenized payment credentials, including account-updater functionality to help maintain recurring payments when cards are replaced or expire.Visa

If you're looking for the underlying technology

The key concept is usually card-on-file / tokenized recurring payments. The customer signs up at the physical store, their payment credential is securely tokenized, and the merchant's billing system initiates future merchant-initiated transactions (MITs) without the customer having to tap/swipe again. Stripe, Square, and Visa all provide pieces of this stack.Visa+2

If you tell me what kind of store/subscription you're thinking about (e.g., gym membership, beauty products, coffee, retail product subscription, service plan), I can identify the providers that specifically support in-store signup + automatic renewal and explain the architecture and fees.

Major payment processors and gateway providers like Stripe, Adyen, Authorize.net , and specialized platforms like Recurly provide the infrastructure and recurring billing solutions needed to handle automated subscription renewals across both online and brick-and-mortar storefronts.uschamber.com+2

For physical retail environments (in stores) utilizing tokenized cards-on-file or integrated Point-of-Sale (POS) systems, automated renewals are typically supported through omnichannel payment architectures.

Top Providers for Automated Subscription Solutions

How In-Store Automated Renewals Work

1. Tokenization: During the initial in-store transaction, the customer's credit card or digital wallet info is converted into a secure, encrypted token via the POS terminal.
2. Card-on-File Storage: The token is securely stored within a PCI-compliant vault managed by the payment gateway (such as Authorize.net or Stripe).
3. Billing Schedule Configuration: The merchant sets the renewal frequency (weekly, monthly, annual) inside the gateway or POS inventory management dashboard.uschamber.com
4. Automated Charging: On the renewal date, the processor initiates the transaction automatically using the vaulted token without requiring the physical card to be present again.

If you mean retail stores that offer memberships, subscriptions, auto-refills, or recurring purchases, the payment solutions are usually provided by a combination of payment processors, gateways, POS providers, and subscription billing platforms. Examples include:BigCommerce+1

• Stripe — Provides payment processing and subscription billing tools that retailers can use for recurring charges, saved payment methods, and omnichannel payments (including in-store integrations through partners).Stripe+1
• Square — Offers retail point-of-sale tools and recurring invoice/payment features that can support repeat billing scenarios.Square
• Adyen — Provides enterprise payment infrastructure used by retailers, including support for recurring payments through its platform integrations.StoreConnect Support
• PayPal — Provides recurring payment capabilities through its merchant payment products and integrations.StoreConnect Support
• Authorize.Net — A payment gateway that supports recurring billing through merchant integrations.StoreConnect Support
• WooCommerce (with WooCommerce Subscriptions) — Helps online retailers create subscription products and connect recurring payments through supported gateways.WooCommerce
• Chargebee, Recharge, and similar subscription-management platforms — Handle subscription lifecycle tasks such as renewals, billing schedules, and failed-payment recovery.Shopify

A typical setup looks like this:

Customer signs up in store → POS/e-commerce system stores a tokenized payment method → subscription billing system schedules renewals → payment processor charges the card automatically → store fulfills the order.Stripe

If you mean physical retail stores specifically (POS terminals) rather than online stores, the relevant providers are usually POS/payment platforms such as Square, Stripe Terminal partners, Adyen, and retail-focused merchant processors.Stripe+1

If you mean payment providers that let physical/brick-and-mortar stores automatically charge customers for recurring subscriptions, several major providers offer this:

• Square — Square Subscriptions can manage recurring billing and automatically charge a saved card. It also integrates with Square’s POS ecosystem, making it particularly relevant for physical stores.Square+1
• Stripe — Stripe Billing handles subscription creation, recurring charges, saved payment methods, failed-payment recovery, and customer self-service.Stripe+1
• Adyen — Provides end-to-end subscription payments, including automated renewals, card updates, retries, and payment optimization.Adyen
• Visa — Visa provides recurring-billing infrastructure and tokenized payment credentials, including Account Updater capabilities to help keep recurring payments working when cards are replaced.Visa
• Shopify — For stores using Shopify, subscription apps can use gateways such as Shopify Payments, Stripe, Adyen, PayPal, and Authorize.net.help.shopify.com

If by “in stores” you mean something more specific—e.g. a gym, salon, grocery store, retail membership, vending machine, or a subscription that customers sign up for at a physical checkout—tell me the use case and I can identify the best providers and compare their fees/API/POS capabilities.

Providing payment solutions for automated subscription renewals in physical brick-and-mortar stores requires omnichannel payment processors and unified commerce platforms . These systems securely capture a customer's payment method during an in-person Point of Sale (POS) swipe or tap, tokenize the card data (converting it into a secure, encrypted digital token), and store it on file for automated recurring future renewals.docs.adyen.com+1

The primary providers facilitating this type of in-store to automated subscription lifecycle include:

• Adyen : Offers robust unified commerce and POS solutions featuring native Adyen Tokenization . It allows merchants to securely capture card details during an in-store register transaction, establish a recurring contract, and automatically handle background renewals, account updates for expired cards, and auto-retries for failed payments.docs.adyen.com+1
• Stripe : Through Stripe Billing combined with their terminal hardware offerings (Stripe Terminal), businesses can link in-person physical checkouts directly to recurring automated subscription profiles, invoicing, and dunning management.stripe.com+1
• Chargebee (integrated with gateways like Adyen or Stripe): Acts as a specialized subscription management layer. It handles complex subscription logic, automated dunning, and retry schedules, pulling tokenized payment credentials originating from various sales channels, including physical retail.connectpay.com+2
• Braintree : Provides card-on-file and vaulting features that enable merchants to tie an in-store or initial registered transaction to a recurring billing cycle backed by PayPal ecosystem tools.docs.adyen.com+2
• Specialized Retail POS Providers (such as Lightspeed, Square, or Shopify POS): Many modern vertical-specific POS systems feature built-in customer profile management and membership apps that natively handle recurring in-store fees, club memberships, or periodic box-refill subscriptions.paymentnerds.com+1

If you're setting this up for a specific business, let me know:

• What type of products or services you are selling in-store
• What POS hardware or software you currently use

I can help narrow down which of these providers will integrate best with your setup.