The payment landscape in the Europe market has undergone significant changes in recent years. With the rise of new technologies, customer expectations have evolved, and the SCHWARZ Group who is a leading retailer providing card payments via multiple payment channels throughout its subsidiaries, among them being Lidl and Kaufland, have had to adapt to stay resilient. This presentation explores some of the key challenges faced by Schwarz as a retailer in the European payment market, as well as the implications of the new Point to Point Encryption (P2PE) data standard on those wanting to build resilience models.