You’ll connect with decision makers, biz dev teams, CTOs, innovation heads, and C-level execs from payment processors, banks, ISVs, fintechs, commerce platforms, and fraud/security firms. 70%+ of attendees are in a buying or decision-making role.
TRANSACT is built for pipeline. The average exhibitor connects with 150+ qualified leads, and 92% say the show helps accelerate their sales cycle.
Focus. TRANSACT is 100% dedicated to payments. That means you won’t compete with distractions or unrelated sectors. You’ll be in the room with people who actually need what you offer now.
Yes. If your solution helps enable, optimize, secure, or analyze the movement of money, you’re in the right place. That includes fintech tools, fraud prevention, embedded finance, SaaS platforms with payments, regtech, ID verification, APIs, and more.
Not at all. TRANSACT attracts everyone from emerging innovators to industry giants. We offer flexible booth and sponsorship options so growth-stage companies can get visibility with the right buyers at the right time.
We’re happy to walk you through the audience, show floor options, and what kind of ROI you can expect based on your unique goals. Contact our Senior Sales Manager:
Amy Scott
727.425.4758
amy@transactshow.com
Absolutely, our sharing tool will be available once registration opens.
We bring together senior decision-makers from across the payments ecosystem:
Our attendees are time-constrained, ROI-focused executives seeking proven solutions with measurable business outcomes. We’ve designed TRANSACT as the payments industry’s annual strategic reset – where you can benchmark strategies, explore partnerships, and evaluate solutions to the structural challenges facing your organization.
Unlike broader fintech conferences, we maintain laser focus on the payments ecosystem. Our attendees consistently tell us the event’s greatest value comes from high-concentration access to relevant decision-makers facing the same strategic challenges they’re navigating.
Whether you’re closing enterprise deals, finding co-development partners, or benchmarking your strategy against industry leaders, TRANSACT gives you direct access to the conversations that matter.
Monday, April 19
4:00pm – 6:00pm
Tuesday, April 20
9:00am – 5:00pm
Wednesday, April 21
9:00am – 12:30pm
Coming soon! If you haven’t already signed up for updates, click here
Yes, on-site registration will be available at the Mandalay Bay Convention Center.
Yes, it will be available within the registration portal once registration opens for the 2027 event.
No. There is only one ticket offering for TRANSACT and additional ticketed events can be added to the registration.
All of our exciting keynote speakers and many other educational programs are included, unless otherwise noted as a ticketed event. If you are interested in registering for TRANSACT, please come back to the site or sign up for 2027 show updates here.
All attendees must be registered for TRANSACT. If you are interested in registering, please come back to the site or sign up for 2027 show updates here.
For privacy and data protection reasons, no, we do not distribute the attendee list. The attendee directory is available exclusively within the TRANSACT event mobile app, which registered attendees can access to see who’s attending, connect, and schedule meetings ahead of the show.
Once registered and logged into the app, you’ll be able to browse the attendee list and start setting up meetings.
More about the event mobile app here.
The recommended attire is business or business casual.
No, TRANSACT is an in-person, live event.
Sessions will not be recorded.
All sponsors and exhibitors have complimentary access to lead retrieval via use of the mobile app once it is live.
For assistance on-site, visit the Mobile App Hub on the Exhibit Hall Floor to meet with a mobile app representative.
We ask payments professionals attending TRANSACT to direct your support to the companies who officially exhibit, or sponsor TRANSACT. If a payments company comes to Las Vegas the week of TRANSACT, they’re here because your nonprofit trade association, ETA, has invested in making TRANSACT a worthwhile destination for members of the industry.
“Suitcasing” and “Outboarding” are unethical business practices where industry non-exhibitors attempt to gain access to trade show attendees. Suitcasing refers to those non-exhibiting companies or persons who go to shows as an attendee but “work the aisles” to solicit business in the aisles or the lobby area. Outboarding refers to non-exhibiting companies that set-up exhibits at off-site locations (hotel hospitality suites or restaurants) at TRANSACT during set-up days or show days and encourage show attendees to leave the show floor and spend time with them.
This hurts the show and undercuts the huge investment of time, money, personnel and overall support that companies make in TRANSACT. Without their participation, TRANSACT would not be the industry hub that it is. TRANSACT exhibiting companies are encouraged to protect their investment by reporting any outboarding they witness to ETA.
ETA is a nonprofit organization. The funds from TRANSACT help us advocate on behalf our members, educate the industry, and produce world-class events.
Yes, media will be in attendance. If you are interested in contacting the media, please write to Chela Piacentini at chela@transactshow.com and she can assist you.
All registrants will be provided with a name badge for use during the event. For security purposes, you will be required to wear your name badge at all times in ETA’s meeting space. Individuals without a visible name badge will not be permitted into the meeting’s areas.
Further, attendees may not have some other person participate in their place at any conference-related activity. Such other individuals will be required to register on their own behalf to participate.
Please note that there will be a $50 reprint badge charge for any missing badges needing replacement.
LIMITATIONS ON USE
By registering, you agree not to share, transfer, sell or trade your badge. If you violate this policy, ETA may cancel your attendance and retain any payments.
Check your registration confirmation email for the link to reserve your hotel in our official hotel block.
Membership is dependent on many factors. You may apply here or write to Seemin Qadiri, who can assist you further.
Are you a payments pioneer who can bring this kind of expertise and hard-hitting insight to the table? Our Call for Speakers is coming soon! Be the first to know when it opens. Click here
If you haven’t already signed up for updates, click here
Industry data shows that most sophisticated payment providers are building for both rails rather than choosing one exclusively. As of late 2026, the Federal Reserve reports that over 900 financial institutions have connected to FedNow since its July 2023 launch, while The Clearing House’s RTP network (operational since 2017) maintains strong penetration among large banks and enterprise clients.
Market research indicates that dual-rail capability provides routing flexibility, system redundancy, and the ability to optimize transactions based on cost or speed requirements. Following Executive Order 14247’s September 2025 mandate for federal disbursements to move to digital/real-time rails, FedNow integration has become standard for organizations serving government vendors and contractors. Companies focused on enterprise B2B often report value in RTP’s established network and existing enterprise relationships.
(Source: Federal Reserve FedNow adoption data; The Clearing House RTP statistics. Note: This information is for educational purposes. Organizations should consult with their technical and compliance teams when making infrastructure decisions.)
Research analyzing S&P 1500 companies has identified approximately $707 billion in trapped liquidity – capital sitting idle while payments clear through legacy ACH and wire systems. Industry case studies from 2025-2026 indicate that enterprises adopting real-time settlement report improvements in several areas: working capital availability, ability to capture early-payment discounts (such as 2/10 net 30 terms), and elimination of float costs.
Payment facilitators and processors report that real-time capabilities have become a standard evaluation criterion in RFPs for high-value accounts. Verticals showing particular adoption include marketplaces, gig platforms, insurance providers, and supply chain networks.
The business case typically centers on three areas: competitive positioning for new client acquisition, retention improvements (reduced merchant churn), and the ability to command premium pricing for instant settlement capabilities versus legacy batch processing.
(Source: Based on S&P 1500 treasury analyses, 2024-2025. Organizations should verify current market data.)
Industry surveys indicate that merchant interest in real-time payments correlates strongly with specific business outcomes rather than technical capabilities alone. Common drivers reported in 2026 include:
Payment providers report that merchant adoption increases significantly when the value proposition focuses on measurable business outcomes (cash flow improvement, discount capture, competitive differentiation) rather than technical payment features. Organizations serving these verticals commonly develop ROI calculators and business case templates to help merchants quantify the potential impact of faster settlement.
Traditional payment fraud typically involves unauthorized use of stolen credentials – compromised cards, hijacked accounts, or synthetic identities created with fabricated information. First-party fraud occurs when a legitimate account holder commits fraud themselves – examples include friendly fraud chargebacks (disputing legitimate transactions), authorizing payments and then claiming they were unauthorized, or using verified personal information in fraudulent schemes.
According to industry fraud reports from 2025-2026, first-party fraud accounts for approximately 36% of global fraud attacks. The detection challenge is significant because traditional fraud prevention tools (device fingerprinting, IP geolocation, velocity checks) are designed to identify unauthorized access – they’re less effective when the actual account holder is the source of fraud.
The fraud prevention industry has responded by developing behavioral analytics systems – AI-powered tools that establish baseline patterns for how individual customers typically behave (purchase patterns, transaction timing, shipping address consistency) and flag anomalies. These systems complement rather than replace traditional identity verification controls.
From an operational perspective, this shift matters because fraud prevention strategies now commonly layer identity verification with behavioral monitoring, and because friendly fraud chargebacks are increasing merchant operational costs and triggering network penalty programs from card brands.
(Source: Global fraud industry reports, 2025-2026 data)
Industry case studies from 2025-2026 indicate that merchants deploying AI-powered fraud detection typically observe fraud loss reductions of 30-50% within six months, accompanied by legitimate transaction approval rate improvements of 5-10%.
The performance difference stems from AI systems’ ability to analyze thousands of variables simultaneously – transaction velocity, device behavior patterns, geolocation anomalies, historical customer behavior, time-of-day patterns – and adapt as fraud tactics evolve. By contrast, rules-based systems use fixed thresholds (e.g., “decline transactions over $500 from new accounts”) that fraudsters can learn to evade and that generate false positives by declining legitimate customers.
Payment industry analysts note that the dual benefit (lower fraud losses combined with higher approval rates) typically delivers measurable ROI within 3-6 months for mid-market and enterprise merchants. The primary implementation considerations reported involve ensuring real-time decisioning (sub-200ms to avoid slowing checkout), implementing feedback loops that allow systems to learn from chargebacks, and layering AI with complementary controls like 3D Secure, tokenization, and device fingerprinting.
(Source: Payment fraud prevention vendor case studies, 2025-2026)
Authorized push-payment fraud occurs when fraudsters deceive victims into willingly authorizing legitimate payments. Common schemes include phishing emails impersonating vendors, CEO fraud (executive impersonation requesting urgent wire transfers), and romance scams. Because the account holder technically authorizes the payment, traditional fraud controls don’t flag these transactions as suspicious.
Industry projections from 2025 estimated APP fraud would reach approximately $6.8 billion annually in the U.S. in 2027. As we enter 2027, preliminary data suggests this projection is tracking close to estimates. The rise correlates with instant payment adoption – with RTP and FedNow, transactions are irrevocable and settle immediately, eliminating the opportunity to reverse transfers after detection.
Regulatory frameworks in several jurisdictions (notably the UK’s APP fraud reimbursement rules implemented in 2024) have shifted liability from victims to financial institutions deemed to have failed in detection responsibilities. Payment providers have responded by implementing:
The payments industry views this as a prevention-focused challenge since post-transaction remediation is limited with instant, irrevocable transfers.
(Sources: Industry fraud projections, 2025-2026; UK Payment Systems Regulator APP fraud data. Organizations should consult with legal counsel regarding specific liability considerations.)
The Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act, signed in July 2025, established the first federal regulatory framework for stablecoins in the United States. The Office of the Comptroller of the Currency (OCC) issued proposed implementation rules in February 2026. As of late 2026, the industry is awaiting final rules, expected in early 2027.
Prior to the GENIUS Act, regulatory ambiguity was commonly cited as a barrier to institutional stablecoin adoption. The framework establishes clear compliance requirements, enabling banks and enterprises to use stablecoins for payment settlement, cross-border transactions, and treasury management within a defined regulatory structure.
For B2B payment applications, stablecoins offer several characteristics: 24/7 settlement capability (independent of banking hours), lower transaction costs compared to SWIFT correspondent banking (typically pennies vs. 3-7% fees), and programmable functionality through smart contracts that enable conditional payments and automated multi-party settlements.
Practical applications being explored in 2026 include cross-border settlement (transactions settling in minutes rather than 3-5 days), marketplace payout automation (complex multi-party splits), and treasury management (maintaining dollar-denominated digital assets for liquidity management).
Organizations evaluating stablecoin integration commonly partner with federally compliant issuers (such as Circle or Paxos) rather than attempting to issue proprietary stablecoins, due to the regulatory complexity and capital requirements involved.
(Source: OCC proposed rulemaking, February 2026; GENIUS Act public law text. Final regulations expected early 2027. Verify current regulatory status before implementation.)
Executive Order 14247, which set a September 2025 deadline for federal disbursements to transition from paper checks to digital/real-time payment rails, has had significant industry impact. The directive affected multiple payment categories: Social Security benefits, tax refunds, vendor payments, grants, and government contracts.
As of late 2026, the practical impact has been that financial institutions receiving federal payments have implemented FedNow and/or RTP capability to maintain compliance. Industry analysts note this mandate drove significant infrastructure investment across the banking system throughout 2024-2025 – and once built for government compliance, this instant payment capability became available for commercial transactions.
This created what economists call a network effect: as more institutions upgraded infrastructure and more participants joined instant payment networks, the utility and reach of these systems increased for all users. Payment infrastructure vendors report that demand for FedNow/RTP integration services peaked in 2024-2025 ahead of the September 2025 deadline and has now normalized as compliance became standard.
For businesses receiving government payments (contractors, grant recipients, agencies), the transition required digital payment acceptance capability by the September 2025 deadline. Payment providers serving these segments offered compliance support packages and integration assistance throughout 2024-2025.
The broader industry impact: government technology mandates historically precede commercial market adoption. Following federal agencies’ move to instant settlement, industry observers are seeing enterprise requirements follow similar patterns in 2026.
(Source: Executive Order 14247 public text; Federal Reserve implementation guidance; industry compliance data 2025-2026)
The primary driver is transaction cost economics. Card interchange fees for commercial transactions typically range from 2-3%, while A2A transfers (via ACH, RTP, FedNow, or wires) cost a flat fee – commonly $0.05-$0.50 regardless of transaction amount. For businesses processing $10 million monthly in card volume, industry cost analyses show that migrating to A2A could save $200,000-$300,000 annually.
This cost differential is particularly significant in high-volume, price-sensitive verticals such as wholesale distribution, fuel, logistics, and manufacturing. A2A payments also provide richer remittance data through the ISO 20022 messaging standard, which includes detailed transaction information (invoice numbers, order details, purchase order references) that simplifies reconciliation compared to card payment data.
Market research from European and Brazilian markets, where Pay by Bank (consumer-facing A2A) is already prevalent, suggests the U.S. market is following a similar adoption trajectory, though approximately 3-5 years behind.
Payment facilitators and ISOs report that high-volume merchants are increasingly requesting A2A capabilities. Organizations that offer hybrid payment acceptance (supporting both cards and A2A with intelligent routing based on transaction characteristics) report stronger merchant retention compared to card-only providers.
(Source: Payment industry cost analyses; ISO 20022 adoption data; international market comparisons)
Embedded payments refers to payment functionality integrated directly within business software applications (examples include Shopify, Toast, Mindbody, ServiceTitan) rather than requiring separate payment portals or redirects. The software vendor controls the payment experience, typically monetizes the transaction flow, and creates what SaaS industry analysts call “revenue stickiness” – customers face friction if they attempt to leave because they must re-integrate payments.
Traditional payment integration involves businesses using separate systems for operations (software) and payments (payment provider), which creates data silos, integration complexity, and typically lower customer lifetime value for software vendors.
The industry trend observers describe as “software eating payments” involves independent software vendors (ISVs) becoming payment facilitators or partnering with PayFac-as-a-Service providers (such as Stripe Connect, Finix, or Payrix) to embed payments natively. This shift can disintermediate traditional payment processors unless they pivot to power vertical SaaS platforms through infrastructure partnerships.
For ISVs, industry benchmarks suggest embedded payments can increase customer lifetime value by 3-5x through transaction revenue. For processors and ISOs, the adaptation strategy commonly involves partnerships with vertical SaaS platforms using revenue-share models – the processor provides compliance infrastructure and payment processing, while the software platform controls the merchant relationship.
(Source: SaaS industry LTV analyses; PayFac-as-a-Service market reports)
Payment orchestration is the intelligent routing of transactions across multiple processors, gateways, and payment rails based on defined criteria: cost optimization, settlement speed, approval rate maximization, or fraud risk minimization. Advanced systems use AI to analyze historical performance data and predict which routing path is most likely to succeed for each individual transaction.
The business impact manifests in several ways:
Industry benchmarks indicate that a gateway achieving 95% approval rates generates 5% more revenue than one with 90% approval rates. For a merchant processing $1 million monthly, this represents $50,000 in annual revenue difference attributable solely to approval rate optimization.
Payment orchestration platforms (such as Spreedly, Primer, and Br.idge) enable this capability without requiring merchants to rebuild their payment infrastructure.
(Source: Payment gateway performance benchmarking studies, 2025-2026)
Research on small and medium enterprise (SME) payment needs indicates that 82% of small business failures stem from cash flow problems. When working capital is constrained, SMEs commonly prioritize payment speed over cost optimization – instant access to funds enables timely supplier payments, avoids overdraft fees, and captures early-payment discounts.
For cash-healthy SMEs operating in low-margin verticals (wholesale, retail, fuel distribution), cost optimization becomes more significant. These businesses show interest in solutions that reduce the 2-3% card processing fees to flat-rate A2A costs.
Payment providers serving SMEs report success with hybrid acceptance strategies – using cards for smaller transactions where convenience matters, while routing large B2B payments through A2A rails where cost savings compound. More sophisticated approaches implement payment orchestration at the SME level, automatically routing transactions based on amount, urgency, and cost optimization.
SMEs commonly seek bundled solutions combining payments with cash flow forecasting, working capital access (embedded lending products), and automated reconciliation tools. Industry research notes that SMEs typically lack dedicated finance teams, making intuitive self-service tools and transparent pricing models important adoption factors.
(Source: Small business failure analysis; SME payment adoption studies, 2025-2026)
Payment industry analysts note that price-based competition alone has become unsustainable – competitive pressure means providers can typically match pricing within narrow bands. Research on merchant retention and acquisition indicates that sustainable differentiation comes from delivering measurable value:
Industry case studies suggest that merchants show higher retention with providers who can demonstrate concrete business outcome improvements – for example, “we increased your approval rate by 8% and reduced chargebacks by 40%, adding $47,000 to your annual revenue” – compared to providers competing primarily on processing rate pricing.
Payment executives commonly report that consultative selling approaches, where providers act as strategic partners helping optimize payment operations, create stronger merchant relationships than transactional vendor relationships focused solely on rate competition.
(Source: Payment industry competitive analysis; merchant retention studies, 2026)
The payment card ecosystem involves four primary parties in most transactions:
Between these parties operate card networks (Visa, Mastercard, American Express, Discover) that provide the infrastructure enabling communication and fund movement between issuing and acquiring banks.
When a card transaction occurs: the merchant’s point-of-sale system sends transaction data through their payment processor to the acquiring bank, which forwards it through the card network to the issuing bank. The issuing bank approves or declines based on available credit/funds and fraud checks. Authorization travels back through the same chain. Settlement (actual fund movement) occurs later through the card network.
Interchange fees (paid by merchants to issuing banks) and assessment fees (paid to card networks) are deducted from each transaction. Payment facilitators, ISOs, and processors add their fees on top of these network costs.
(Note: This is a simplified overview. Actual payment routing can be more complex depending on card type, merchant category, and geographic factors.)
These terms are often used interchangeably but refer to distinct functions:
Payment Gateway: The technology that captures and transmits payment information securely from the point of sale (online checkout, physical terminal) to the payment processor. Think of it as the “front door” – it handles encryption, tokenization, and secure data transmission. Examples include Authorize.Net, Stripe, Square.
Payment Processor: The entity that actually processes the transaction – communicating with card networks and banks to move money from the customer’s account to the merchant’s account. Processors handle authorization, settlement, and fund transfer. Examples include First Data (now Fiserv), TSYS, Chase Paymentech.
Many modern payment companies (like Stripe, Square, Adyen) provide both gateway and processing services in unified platforms, which is why the distinction has blurred. However, in traditional payment infrastructure, these were separate entities requiring separate contracts and integrations.
Payment regulation in the U.S. involves multiple agencies with overlapping jurisdictions:
Federal Agencies:
State Agencies:
Card Networks:
This regulatory complexity is why many payment companies employ dedicated compliance teams and why regulatory navigation is a common topic at industry events like TRANSACT.
(Disclaimer: This is educational overview only. Organizations should consult legal counsel for specific compliance requirements.)
PCI DSS (Payment Card Industry Data Security Standard) is a set of security standards created by major card networks (Visa, Mastercard, American Express, Discover) to protect cardholder data. Any organization that accepts, processes, stores, or transmits credit card information must comply with PCI DSS.
Compliance Levels (based on annual transaction volume):
Key Requirements include:
Non-compliance can result in fines ($5,000-$100,000 per month), increased transaction fees, or loss of ability to accept card payments. Many merchants reduce PCI scope by using tokenization and not storing sensitive card data.
(Source: PCI Security Standards Council official documentation)
A chargeback is a forced transaction reversal initiated by the cardholder’s issuing bank. It’s a consumer protection mechanism allowing customers to dispute charges they believe are erroneous, fraudulent, or for undelivered goods/services.
Common Chargeback Reasons:
The Chargeback Process:
Business Impact: Beyond direct losses, high chargeback rates (typically over 1% of transactions) trigger card network monitoring programs, potential fines, and can result in merchant account termination. This is why chargeback prevention and fraud detection tools have become priorities for payment providers.
Multichannel: A business accepts payments through multiple separate channels – physical stores, website, mobile app, phone orders – but these channels operate independently with separate systems, inventory, and customer data.
Omnichannel: All payment and commerce channels are integrated and share unified customer data, inventory, and transaction history. Customers can seamlessly move between channels – start a purchase on mobile, complete in-store, return via website – with consistent experience and data visibility.
Practical Differences:
From a payments perspective, omnichannel requires unified payment processing infrastructure that:
Industry research indicates that customers shopping across multiple channels typically have higher lifetime value than single-channel customers, driving merchant interest in omnichannel capabilities.
Tokenization replaces sensitive payment data (card numbers) with unique identification symbols (tokens) that retain essential information without compromising security. If a token is intercepted, it’s useless without the corresponding tokenization system to detranslate it.
How It Works:
Benefits:
Network Tokenization: Visa, Mastercard, and other networks offer their own tokenization services that provide additional benefits like automatic card-on-file updates (when customer’s card expires or is reissued) and better authorization rates.
Industry adoption of tokenization has accelerated due to both security benefits and regulatory pressure. Payment providers commonly offer tokenization as standard rather than optional.
While fraud detection is the most prominent AI application in payments, the technology is being deployed across multiple areas in 2027:
Customer Service & Support:
Payment Optimization:
Risk Assessment & Underwriting:
Reconciliation & Accounting:
Personalization:
Industry analysts note that AI adoption in payments is moving from experimental to operational, with focus on applications delivering measurable ROI rather than technological novelty.
Open banking refers to the practice of financial institutions providing third-party providers secure access to consumer financial data through APIs (Application Programming Interfaces), with customer consent. The concept originated in Europe through PSD2 (Payment Services Directive 2) regulation and is gradually expanding globally.
Payment-Related Applications:
In the United States, open banking is not federally mandated but is developing through market forces:
Privacy & Security Considerations: Open banking requires careful balance between data access and security. Systems use tokenized authentication, limited-scope permissions, and consumer consent management to protect sensitive financial data.
For the payments industry, open banking enables A2A payment methods that bypass card networks, verify accounts without micro-deposits, and provide richer transaction data for reconciliation and fraud prevention.
Payment Facilitators (PayFacs) are organizations that streamline merchant onboarding and payment processing by aggregating multiple sub-merchants under a single master merchant account. Instead of each small business getting its own merchant account (which can take weeks and require extensive documentation), they onboard under the PayFac’s umbrella.
How It Works:
Examples: Stripe, Square, PayPal, Shopify Payments, Toast
Advantages:
Tradeoffs:
Regulatory Considerations: PayFacs are registered with card networks and must meet specific requirements. They assume financial liability and compliance responsibility for their sub-merchants, which is why PayFacs implement careful underwriting and monitoring.
The PayFac model has become the dominant approach for software platforms embedding payments, which is why “becoming a PayFac” is a common discussion topic here at TRANSACT.
