Customers today demand an integrated payment service.  Consumer research feedback highlights that single channel returns and refunds processes are a principal pain point for shoppers.  An omnichannel service is now an essential requirement for merchants offering eCommerce and F2F acceptance, enabling customers to buy online,  click and collect, return and refund in store.  Tokenisation is a key omnichannel facilitator and  PSE has helped many merchants design and build the  process to ensure that multi-channel transactions are securely matched using proprietary tokenisation engines or card scheme provided network services.