The Card and Payments Awards 2026 - Category Finalists 2026

Category Finalists 2026

As we celebrate the 21st year of The Card & Payments Awards, here is the shortlist for 2026.

CLICK HERE TO VIEW THE SHORTLIST BROCHURE

Best Achievement in Sustainability

100% Recycled Plastic Card Initiative

Company name (will be published)

Nationwide Building Society

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Entry Description

Nationwide has introduced 100% recycled PVC cards as part of its commitment to sustainability and environmental responsibility. These new cards are made entirely from certified recycled materials and designed to reflect the core rebrand. The project has carefully maintained an eco-friendly green transition minimising plastic waste and a seamless delivery.

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Decarbonizing the Digital Payments

Company name (will be published)

G+D Netcetera

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Entry Description

G+D Netcetera partnered with GoCodeGreen to measure and reduce digital emissions across payment platforms using a data-driven approach. Leveraging the Payments Association Sustainability Framework, this collaboration ensures compliance with ESG regulations, enhances operational efficiency, and pioneers sustainable practices in digital payments for a future-proof industry.

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Harnessing the global football fanbase around UCLF to create tangible climate impact

Company name (will be published)

Mastercard

Logo (will be published)

Entry Description

Mastercard and Pledgeball engaged with football fans to address the barriers responsible for the behaviour gap that prevents people from acting on climate concerns. The response was incredible: 6.1 million fans reached; 91,000+ pledges equating to 21million+ kg CO2e to be saved (equivalent to removing 4,500 cars from the road).

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PayNomic²: Rooted in Sustainability, Compliant by Design, Built for Europe’s Payment Future

Company name (will be published)

SummaPay GmbH

Logo (will be published)

Entry Description

PayNomic² is Europe’s first modular, AI-native payment platform: a living, adaptive ecosystem built for longevity and renewal. CO₂-neutral, sovereign, and ESG-aligned by design, it empowers merchants and public services with real-time, intelligent payments, seamless compliance, and scalable infrastructure, transforming payments into a regenerative engine for a digital circular economy.

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Visa x Octopus Electroverse x Enfuce - Driving the future of sustainable fleets

Company name (will be published)

Visa

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Entry Description

The Electroverse Business Payments Card, from Visa, Octopus Electroverse and Enfuce, unifies fleet payments into one simple solution. Covering EV charging, fuel, tolls and more, it empowers businesses to cut complexity, accelerate EV adoption, and drive measurable sustainability impact across fleets of all sizes.

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Best App User Experience (CX Initiative)

Deutsche Bank and TSYS launch new Miles & More Lufthansa Airlines co-brand program

Company name (will be published)

Deutsche Bank and TSYS

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Entry Description

Deutsche Bank and TSYS launched the new Miles & More Lufthansa Airlines program to transform the co-brand airline credit card experience. From fully automated onboarding to a seamless integrated banking experience, Miles & More now integrates banking, card management and loyalty services into one unified digital experience.

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Going Digital: how Capital One are transforming recovery

Company name (will be published)

Capital One

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Entry Description

Capital One is transforming credit arrears with a mobile app that turns repayment into recovery. By replacing stressful calls with digital journeys, celebrating cured accounts and guiding healthier habits - better outcomes have flowed. Results show higher repayment plan uptake, reduced relapse, improved customer outcomes, and rising engagement versus competitors.

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Jaja Finance becomes the first credit card provider to launch spending habits for customers

Company name (will be published)

Jaja Finance

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Entry Description

Jaja Finance’s Spending Habits feature transforms credit card UX with enriched, in-app insights. It boosts clarity, engagement, and retention, with 52.5% adoption in four months. By combining intuitive design and regulatory alignment, it empowers users and drives commercial success—setting a new benchmark in UK credit card customer experience.

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NatWest Business Credit Cards into Native Channels

Company name (will be published)

NatWest

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Entry Description

We created a single digital home for customers by adding business credit cards to our core NatWest Banking App. Resulting in more than 1.5 million new interactions and a significant drop in support calls, proving the power of a simplified, unified experience.

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Best Application of AI or ML in Financial Services

Lead Generation and Market Intelligence Tool

Company name (will be published)

TAMI AI

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Entry Description

TAMI AI helps payments providers find and win their ideal customers. Our platform analyses millions of companies in real time, surfacing high-value leads and competitor insights. By turning complex market data into clear opportunities, TAMI enables faster growth and smarter decisions in the competitive payments industry.

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Paysafe’s AI-Powered Transformation in Fintech

Company name (will be published)

Paysafe

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Entry Description

Paysafe’s AI initiative improves fintech onboarding and integration by automating demos, customizing API kits, and ensuring compliance. Using tools like Microsoft Copilot, Cursor, and Replit, it enhances efficiency, supports innovation, and delivers secure, personalized customer experiences. This approach positions Paysafe as a leader in responsible AI adoption within financial services.

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Redefining fraud prevention with ADBNs – a new class of deep learning algorithm

Company name (will be published)

Featurespace, a Visa Solution

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Entry Description

Automated Deep Behavioral Networks (ADBN) are Featurespace’s next-generation behavioral deep learning technology, built to redefine fraud detection. Powered by recurrent neural networks, ADBN combines historical and real-time data to construct a comprehensive behavioral view. This enables financial institutions to deliver more accurate, real-time risk scoring, transforming fraud detection.

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Visa Account Attack Intelligence

Company name (will be published)

Visa

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Entry Description

The Visa Account Attack Intelligence Score helps issuers and acquirers detect high risk enumeration/brute force attacks. Applying sophisticated machine learning and AI methodologies over Visas vast payment data has allowed us to create a best in class score that can simply be leveraged into FI risk strategies.

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Yaspa Intelligent Payments – real-time compliance and safer gambling insights

Company name (will be published)

Yaspa

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Entry Description

Yaspa’s Intelligent Payments combines open banking with machine learning to deliver real-time affordability checks and safer gambling insights directly within the payment flow. By embedding intelligence into transactions, it protects customers, supports operators with compliance, and sets a new standard for responsible, frictionless payments.

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Best Benefits or Loyalty Scheme

Currensea x The Hilton Honors Debit Card

Company name (will be published)

Currensea / Hilton Honors

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Entry Description

Hilton and Currensea launched the world’s first multi-bank co-branded hotel debit card, offering real-time loyalty rewards, elite status upgrades, and FX savings. This innovative debit-based loyalty solution transforms everyday spending into Hilton Honors Points - without requiring credit or new accounts.

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Jaja’s Launch to Rewards®: Empowering customers on their financial journey

Company name (will be published)

Jaja Finance

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Entry Description

Launch to Rewards® redefines customer value for digitally confident, underserved credit card users. As the UK’s only provider of personalised, goal-based incentives for credit building and financial wellbeing, Jaja empowers every customer to buy, borrow, and build with confidence, delivering engagement beyond spend-based rewards.

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Mastercard Preferred Tickets - Turning Live Music into a Loyalty Benefit

Company name (will be published)

Mastercard

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Entry Description

Launched February 2024, Mastercard and Live Nation came together to create Mastercard Preferred Tickets, giving cardholders access to a dedicated allocation for hundreds of music concerts across the UK. With simple, code-free booking plus exclusive Priceless Experiences, the initiative turns live music access into a powerful loyalty benefit.

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MyRewards: A Decade of Loyalty

Company name (will be published)

NatWest Group & Reward

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Entry Description

Marking 10 years of MyRewards, NatWest continues to champion customer financial wellbeing through continued meaningful innovation, with experiences consistently simplified and digitalised. The programme is driven by behavioural insights and a deep understanding of needs, reflecting our commitment to maximise money today and long-term for our customers.

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NewDay Offers & Discounts

Company name (will be published)

NewDay

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Entry Description

NewDay launched a retail discount scheme shaped by customer insight, offering near-prime customers meaningful savings via app and web. The benefit drives engagement, loyalty, and sales through targeted marketing and seasonal campaigns. Clear, fee-free access and transparent communications ensure customers experience real-time value, enhancing satisfaction and brand perception.

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Reaping more from American Express® Membership Rewards®

Company name (will be published)

American Express

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Entry Description

Membership Rewards® is one of American Express’ flagship rewards schemes. A huge proportion of the company’s UK Cardmember base benefits from this much esteemed loyalty programme. During 2025, a suite of new enhancements were very successfully introduced to ensure it continued to be a relevant, best-in-class, highly valuable proposition.

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Best Credit Card or Credit Facility

Capital One Credit Card

Company name (will be published)

Capital One

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Entry Description

Capital One’s credit card opens doors for people often excluded from mainstream lending. With upfront certainty, supportive digital tools, and a nurturing ‘low and grow’ model, it empowers customers to build financial strength with dignity, proving that one good thing can truly change everything.

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Cashflows Advance

Company name (will be published)

Cashflows

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Entry Description

Cashflows Advance gives SMEs instant, flexible access to working capital by leveraging live trading data, not outdated balance sheets. Merchants draw pre-approved funds with repayments linked to daily card sales. Since October 2023, ~50 SMEs have accessed £4m, with a 90% re-advance rate proving its value.

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Everyday+ Credit Card: Irelands Consumer-First Card

Company name (will be published)

Avant Money by Bankinter

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Entry Description

The Everyday+ credit card gives Irish consumers a real monetary benefit with 5% cashback on groceries, at a time when inflation impacts everyone. Without changing bank, customers also access Ireland’s only free-to-use credit card, as we cover the Government Stamp Duty on their behalf.

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NatWest Travel Reward Credit Card: Travel Smarter with Visa & Reward

Company name (will be published)

NatWest Group, Visa & Reward

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Entry Description

By popular demand, the industry-leading Travel Reward Credit Card from Visa and Reward delivers greater value for customers. Earn 1% Rewards on UK and overseas travel, 0.1% everywhere else, and up to 15% with selected retailers, with no foreign transaction fees - making every journey more rewarding.

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The Amazon Barclaycard

Company name (will be published)

Barclaycard

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Entry Description

The Amazon Barclaycard, launched July 2024, revolutionizes the credit card experience for Amazon customers. This innovative card, is a collaboration of two of the UK's most esteemed brands, offers real-time digital control and unlimited rewards. Customers effortlessly earn and redeem rewards for Amazon.co.uk, transforming everyday spending into a rewarding experience.

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Zilch: Ad enabled, regulated credit that lowers the cost of borrowing

Company name (will be published)

Zilch

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Entry Description

Zilch is a fully FCA regulated fintech whose payment card merges the best of debit and credit. Its ad enabled model lets customers “Pay Now” with rewards or pay in zero interest instalments over six weeks or three months, delivering lower borrowing costs and improved financial health at scale.

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Best Cross-Border Payments Initiative

Bitpace

Company name (will be published)

Bitpace

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Entry Description (will be published)

Bitpace is a leading crypto payment gateway enabling instant, low-fee global transactions in 70+ cryptocurrencies and 40 fiat currencies. With automated conversion, robust compliance, a developer-friendly platform and unmatched support throughout the customer journey, Bitpace empowers businesses to embrace digital payments securely and seamlessly across borders.

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Fyorin - Bridging Cross-Border Payments & Card Payments Gaps for the Mid-Market

Company name (will be published)

Fyorin

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Entry Description

Fyorin brings best-in-class finance solutions to mid-market businesses. A single onboarding unlocks local payment rails in 100+ markets, instant issuance of Mastercard and Discover-powered cards, ERP-native automation, and diversification across Tier-1 financial institutions. Mid-market finance teams gain faster settlements, lower costs, and real-time global visibility, once reserved to enterprise level.

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Global Payouts, Unlocked: Worldpay’s Seamless Cross-Border Solution

Company name (will be published)

Worldpay

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Entry Description

Worldpay’s cross-border payouts enable secure, instant payments to over 180 countries, using 70+ real-time rails and domestic clearing schemes. With simple APIs, a Payouts Portal, and advanced validation tools, it automates processes, reduces errors and costs, and sets new industry benchmarks—transforming global business performance and customer experience.

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Mastercard and Thredd are redefining cross-border B2B travel payments

Company name (will be published)

Mastercard and Thredd

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Entry Description

Together, Mastercard and Thredd are launching an innovative new B2B solution through the Mastercard Wholesale Programme. With first-to-market real-time flexible product codes, Online Travel Agencies (OTAs) gain the adaptability and transparency needed to optimise costs and scale supplier payments globally across cross-border B2B travel payments.

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Optimizing Global Remittances: Skrill digital wallet: instant cross-border payments

Company name (will be published)

Paysafe

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Entry Description

Skrill, Paysafe’s digital wallet, enables fast, low-cost international transfers to 18+ countries. With real-time processing, flexible payouts, and no recipient fees, it improves financial access, enhances user experience, and supports Paysafe’s mission to simplify global payments and promote financial inclusion.

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Polygon POS

Company name (will be published)

Polygon Labs

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Entry Description

Polygon POS is the premiere blockchain for payments and RWAs, enabling seamless cross-border transactions at sub-second speeds — empowering banks, fintechs, and payment innovators to deliver faster, cheaper and more reliable digital money to millions of users worldwide.

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The Multi-Currency Current Account with Interest

Company name (will be published)

iFast Global Bank

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Entry Description

The Multi-Currency Current Account enables customers to hold, spend, and transfer funds in multiple currencies at competitive FX rates. It offers daily interest and FSCS protection up to £85,000 per person, combining flexibility, security, and value in one seamless digital banking experience.

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The Thunes Direct Global Network

Company name (will be published)

Thunes

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Entry Description

Thunes expanded its Direct Global Network to enable instant, transparent cross-border payments across 130+ countries. By integrating stablecoin pre-funding via USDC, adding new markets like Taiwan and Egypt, and launching Thunes Business Payments, it bridges banks, wallets, and digital assets—reducing costs, accelerating settlement, and driving global financial inclusion.

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Best Customer Service

Capital on Tap: Redefining SME Support with AI-Powered Human Expertise

Company name (will be published)

Capital on Tap

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Entry Description

Capital on Tap provides a comprehensive financial platform for UK SMEs, combining a business credit card with integrated spending and savings tools. Our customer service is built on a hybrid model that blends world-class human expertise with proprietary AI, delivering proactive and frictionless support.

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EMPATHY AND INNOVATION IN CUSTOMER COLLECTIONS

Company name (will be published)

Capital One

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Entry Description

Over 2024-25, Capital One has transformed collections with live in-app chat and enhanced digital repayment journeys, giving customers discreet, flexible support alongside traditional channels. These innovations have improved plan adoption, prevented charge-offs, and lifted cure rates; while delivering safe, empathetic outcomes that reduce stress, build confidence, and strengthen long-term loyalty.

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Elavon - On a mission to make payments easy

Company name (will be published)

Elavon - On a mission to make payments easy

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Entry Description

Elavon's customers across Europe benefit from industry-leading customer service that's tailored to their needs, whether small business or larger corporate. Our servicing ethos —rooted in building trust, empowering growth, and delivering with a human touch— has driven continuous performance improvements, sophisticated omnichannel support, and impressive customer satisfaction and retention figures.

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Peace of Mind as a Service with TNS

Company name (will be published)

Transaction Network Services (TNS)

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Entry Description

TNS sets new standards in customer experience with proactive monitoring that raises 94% of incident tickets internally. With global 24x7 support, tailored solutions and measurable 99.9% transaction success rates, TNS safeguards mission-critical services, strengthens customer confidence and delivers peace of mind for leading businesses worldwide.

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Best Early-Stage or Future Payments Initiative

Elavon - Driving forward APMs

Company name (will be published)

Elavon, a division of U.S. Bank

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Entry Description

Elavon's Payment Method Gateway (PMG) simplifies the complexity of Alternative Payment Methods integration for merchants. Unlike traditional platforms requiring separate technical and commercial relationships for each payment method, PMG's modular architecture enables merchants to access multiple APMs through one platform and experience. This eliminates integration complexity while accelerating deployment timelines.

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NatWest Virtual Pay Mobile: Transaction level control for corporate businesses

Company name (will be published)

NatWest

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Entry Description

Virtual Pay Mobile enables businesses to instantly issue virtual cards to employees’ digital wallets, allowing secure, tap-to-pay and online transactions without physical cards. It offers real-time access, custom spend controls, and enhanced security, streamlining corporate payments for travel, procurement, and ad hoc expenses across permanent and temporary staff.

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OpenPayd stablecoin infrastructure: move and manage money globally

Company name (will be published)

OpenPayd

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Entry Description

OpenPayd has launched its own stablecoin infrastructure that enables businesses to receive, hold, convert and send stablecoins globally. Its rails-agnostic infrastructure enables businesses to embed stablecoins into their payment flows, just like fiat, in real-time across borders, with zero friction.

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PayNomic²: Rooted in Sustainability, Compliant by Design, Built for Europe’s Payment Future

Company name (will be published)

SummaPay GmbH

Logo (will be published)

Entry Description

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Re-imagining mobility payments with the Electroverse Business Payments Card

Company name (will be published)

Visa

Logo (will be published)

Entry Description

The Electroverse Business Payments Card, from Visa, Octopus Electroverse and Enfuce, unifies fleet and mobility spend into one simple solution. Covering EV charging, fuel, tolls, meals and more, it delivers convenience for drivers, real-time control for managers, and a scalable foundation for the future of sustainable mobility.

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Revolutionizing Crypto Payments and Self-Custody: MetaMask Card by Baanx and CompoSecure

Company name (will be published)

Baanx and CompoSecure

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Entry Description

A premium metal debit card enabling secure, real-time crypto payments directly from MetaMask wallets.

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Visa A2A

Company name (will be published)

Visa, Kroo, Utilita and Tink

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Entry Description

Visa A2A is a rule-based, open banking-powered scheme that reimagines account-to-account payments for consumers and businesses. It delivers secure, scalable, and consumer-friendly bank transfers, with a focus on bill pay, subscriptions, and e-commerce.

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Best Industry Innovation

Best Industry Innovation – Silverflow

Company name (will be published)

Silverflow

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Entry Description

Silverflow is the first cloud-native acquiring processor, offering direct scheme access, real-time data and industry-fast certifications. Solidgate saw 7% higher conversions, 8% more approvals and 20% profit growth. With Deutsche Bank, Buckaroo, payabl. and xpate live, Silverflow is already Europe’s third most recognised payments brand—reinventing acquiring for the future.

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Conferma Connect Direct: The first global PMS integration for virtual cards

Company name (will be published)

Conferma

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Entry Description

Conferma and Hilton elevated business travel by automating the integration of virtual card payments into its Property Management System (PMS). This first-of-its-kind integration of Conferma’s Connect Direct technology delivers seamless payment details via API, reducing manual sharing, and enabling faster, secure, and more frictionless check-ins worldwide.

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Groundbreaking ensembled risk score transforms real-time fraud detection for financial institutions

Company name (will be published)

Featurespace, a Visa Solution

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Entry Description

Featurespace's ARIC™ Risk Hub combines Adaptive Behavioral Analytics (ABA) with our pioneering deep learning algorithm to deliver an ensembled risk score—transforming real-time fraud detection for financial institutions like NatWest, helping to enable them catch fraud earlier, improve the fraud account detection rate, and reduce false positives.1 2

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Lloyds Merchant Services & WRS: The UK’s First Fully Integrated POS Solution

Company name (will be published)

Lloyds Merchant Services

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Entry Description

Lloyds Merchant Services and WRS have delivered the UK’s first bank-led, fully integrated POS and acquiring solution. Proven with a leading UK restaurant chain, it replaces separate tills and terminals with one unified system for payments, reporting and settlement – simplifying reconciliation, enhancing efficiency, and scaling with UK-based support.

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One Click Stay from Outpayce and Voxel

Company name (will be published)

Outpayce from Amadeus

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Entry Description

One Click Stay (OCS) is the hospitality industry’s first end-to-end booking, payment and invoicing solution. OCS brings together booking, payment and invoicing into a single platform – replacing fragmented manual processes with a streamlined digital experience.

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Paymentology: Powering Innovative Prepaid Products

Company name (will be published)

Paymentology

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Entry Description

Paymentology powers the world’s most innovative prepaid programmes. From South Africa’s first mobile-first card management platform to GoTyme’s instant phy-gital onboarding, Paymentology enables banks and fintechs to launch secure, personalised, tokenised prepaid products in record time, scaling to millions of users across 50+ markets.

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Safecypher DSC: Dynamic Security Code Technology That Eliminates Card-Not-Present Fraud

Company name (will be published)

Safecypher

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Entry Description

Safecypher’s DSC technology is a pioneering digital security innovation replacing the static CVV on payment cards with a dynamic, real-time security code, accessed in-bank app. Proven at scale, it eradicates online card fraud, enhances user experience, and redefines industry standards for payment security and consumer trust.

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Adyen and Visa Click to Pay

Company name (will be published)

Adyen and Visa Europe

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Entry Description

Visa Click to Pay is redefining online checkout. Just Eat Takeaway.com, customers checked out four times faster, fraud dropped by threefold, and authorisation rates jumped 8%. Seamless to adopt, simple to use, and secure by design – it’s the innovation setting a new standard for digital payments.

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Best Initiative in Open Banking

Currensea x The Hilton Honors Debit Card

Company name (will be published)

Currensea / Hilton Honors

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Entry Description

Hilton and Currensea launched the world’s first multi-bank co-branded hotel debit card, using Open Banking to connect directly to users’ existing accounts. This innovation enables seamless payments, loyalty point accrual, and FX savings - without requiring credit or new accounts.

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Request a Payment

Company name (will be published)

Lloyds Banking Group

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Entry Description

Launched Oct-24 across Lloyds, Halifax, and BoS, customers can use Request a Payment to receive money safely and easily. Using Open Banking technology powered by Tink, customers generate a unique secure link or QR code and share it, letting their contacts send money from any bank without inputting account details.

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Visa A2A

Company name (will be published)

Visa, Kroo, Utilita and Tink

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Entry Description

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Best Marketing Campaign

2024 business credit and debit Priceless.com prize draw

Company name (will be published)

NatWest Commercial

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Entry Description

We ran a prize draw for active/dormant business credit/debit card customers, offering the chance to win a priceless experience or theatre vouchers. Eligible cardholders must spend £500 a month for three consecutive months with their card. The goal was to increase spend over an extended period and reactivate dormant customers.

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2025 Credit Card Travel Cashback Campaign: Airline Addendum

Company name (will be published)

NatWest

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Entry Description

We ran a customer engagement campaign offering Credit Card customers £100 cashback on British Airways flight bookings and 5% cashback on spend outside the UK and Europe. The campaign aimed to drive top-of-wallet usage and higher spend in more lucrative markets through targeted travel incentives.

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Capital One: Sharing Transparency and 'No Nasty Surprises' in Credit

Company name (will be published)

Capital One

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Entry Description

Capital One’s ‘No Nasty Surprises’ campaign turned a traditionally serious category on its head - using humorous storytelling to make credit feel simple and human. Embracing wit and playfulness across previously unexplored channels, the campaign cuts through the noise, challenges conventions and redefines how audiences are connecting with the brand.

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Ditch the fax - Connect Direct

Company name (will be published)

Conferma, iFour, and With PR

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Entry Description

In 2025, Conferma launched its disruptive Ditch the Fax campaign, announcing plans to phase out faxed virtual card delivery. The industry-first move marked a paradigm shift in corporate hotel payments, driving 1,175,718 impressions and commitments from major players—including Wyndham, Omni Hotels, and Mews—to scale its API solution.

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Driving SMB Growth: The Business Bestie Bus Tour

Company name (will be published)

Worldpay

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Entry Description

Worldpay 360’s launch was elevated through the ‘Business Bestie’ campaign, placing SMBs at its heart and celebrating their commitment to thrive. A nationwide bus tour and partnership with chef Tom Kitchin, amplified by PR and social, delivered a reach of over 1.9m, 4m+ impressions, and 2.6% engagement.

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New-to-Ireland BOI Personal Current Account & Debit Card issuance campaign

Company name (will be published)

Bank of Ireland and Visa

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Entry Description

Bank of Ireland and Visa’s two-phase co-marketing campaign targeted new-to-Ireland audiences, a high-growth but underserved segment. The outstanding success of Phase 1’s test-and-learn approach directly led to an expanded, more sophisticated Phase 2, proving the strategy’s scalability, and delivering excellent engagement and uplift in account applications.

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PagoEfectivo Wallet Launch in Peru

Company name (will be published)

Paysafe

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Entry Description

Paysafe’s launch of the PagoEfectivo Wallet in Peru combined data-driven insights, celebrity endorsement, and immersive experiences to drive adoption. With 1.8M active users and innovative features like one-tap payments, the campaign elevated brand visibility and positioned Paysafe as a fintech leader in a mobile-first, emerging market.

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UK Summer of Amex - ‘Do Summer Differently’

Company name (will be published)

American Express

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Entry Description

American Express sponsors some of the most iconic events in the UK, maximising visibility with Cardmembers and prospects. To more efficiently reach key Millennial and Gen Z audiences, elevating these experiences under one ‘UK Summer of Amex’ campaign, successfully drove brand reappraisal and consideration, leading to impressive acquisition results.

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Visa Security Campaign - More Fun, Less Fraud

Company name (will be published)

Visa

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Entry Description

Visa drove payment volumes, value, and preference with Gen Z by tackling the scourge of online fraud. Our campaign harnessed culturally relevant storytelling to emotionally connect youth with our fraud protection message, tapping into lifestyle fears like missing out on coveted gig tickets.

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“Gotta Go Fast” - Sonic the HedgeHog Digital Card Marketing Campaign SEGA/Paramount

Company name (will be published)

ImageNPay

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Entry Description

ImageNPay, built and launched a digital payment collaboration between SEGA/Paramount/Movember/Vue and Mastercard Donate . Offering a unique opportunity to merge Sonic’s iconic brand with our innovative wallet delivering a dynamic digital payment experience for users in the UK. A global first merging Gaming and Movies into a digital card metaverse.

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Best Payment Facility

Axis: The Backbone of our Payment Infrastructure

Company name (will be published)

Elavon, a division of U.S. Bank

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Entry Description

Axis is Elavon's lightning-fast payment backbone, processing card transactions in 20 milliseconds -faster than the blink of a human eye (100-150ms). Our banking licence lets us step in when card issuers can't respond, ensuring seamless payments for airlines, festivals, and mobile commerce even in challenging connectivity environments.

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Bitpace

Company name (will be published)

Bitpace

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Entry Description

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Boku integrated local payment platform for Blik users on Google Play Store

Company name (will be published)

Boku

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Entry Description

Boku launches the first account-to-account connection between a leading local payment method and a global app store in Poland. The success of this launch extends financial inclusion and demonstrates the growing dominance of Local Payment Methods (LPMs).  

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BR-DGE Payment Orchestration Platform

Company name (will be published)

BR-DGE

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Entry Description

Enterprise businesses depend on resilient platforms that can handle high volumes, ensure smooth payment experiences and choice for customers, and unbreakable data protection. BR-DGE’s independent payment orchestration platform empowers merchants and payment providers to deliver on all these fronts, while continuing to innovate and grow.

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Dojo: Best Payment Facility

Company name (will be published)

Dojo

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Entry Description

Dojo, one of the UK’s leading hospitality payments providers, equips 150,000 businesses with fast, secure, and reliable payments. From Dojo Pocket, Dojo Wired, to Tap to Pay on iPhone and Dynamic Currency Conversion, Dojo gives businesses faster payments and greater reliability, whether at the table, or on the move.

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Give A Little Champion App: Tap to Pay, in partnership with Mastercard

Company name (will be published)

Give A Little

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Entry Description

Give A Little has enabled charities to raise over £67 million since 2019, transforming fundraising with simple, cashless tools. Empowering supporter-led fundraising through the revolutionary Tap to Pay, Give A Little Champion App in partnership with Mastercard, the trial option allowed smaller charities to pilot the technology, removing accessibility barriers.

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HSBC UK Instalments on Apple Pay

Company name (will be published)

HSBC UK

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Entry Description

HSBC Instalments on Apple pay; a new option that offers our customers a smart, simple and secure way to spread the cost of purchases, directly from the devices they use every day. This launch is another step in delivering digital-first experiences that fit around our customer’s lifestyles.

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Best Payments Industry Newcomer

Paysecure: Driving Acceptance, Resilience, and Growth for High-Risk, High-Volume Merchants

Company name (will be published)

Paysecure

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Entry Description

Paysecure empowers high-risk, high-volume merchants with a single API payment orchestration platform. By unifying 500+ PSPs, 200+ APMs, and advanced tools like smart routing, tokenisation, fraud prevention, and a dynamic cashier, Paysecure boosts acceptance, maximises conversion, reduces costs, and delivers seamless, secure, and personalised payment experiences worldwide.

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Safecypher Dynamic Security Code (DSC)

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Safecypher

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Entry Description

Safecypher’s Dynamic Security Code replaces static CVVs with dynamic, time-sensitive codes within banking apps. Proven by An Post Money, it has eliminated Card-Not-Present fraud, increased card usage, and enhanced user trust, delivering advanced protection for banks and consumers while transforming payment security and compliance.

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The Multi-Currency Current Account with Interest

Company name (will be published)

iFast Global Bank

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Best POS Solution

DNA Payments launches the PAX A6650 handheld POS in the UK market

Company name (will be published)

DNA Payments Group

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Entry Description

In 2025, we were the first to launch the PAX A6650 handheld POS to the UK market, running DNA Payments’ axept PRO software. This hardware and software combination meets the requirements of our food & beverage and retail partners who were looking for a robust, handheld Mini-POS solution.

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Genie by Modern World Business Solutions.

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Modern World Business Solutions

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Entry Description

Genie come in two parts. 1; Genie, an Android-based Payments Application, currently built on the PaxA920 Pro. 2; Lamp, a web portal giving Merchants oversight and management of their entire payments’ setup. Genie is an all-in-one solution for SME businesses to take payments however they like.

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Lloyds Merchant Services POS: Fast, Reliable, Flexible Payments for UK Businesses

Company name (will be published)

Lloyds Merchant Services

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Entry Description

Lloyds Merchant Services powers more than 35,000 UK businesses with POS solutions that are fast, secure and easy to use. From pubs and butchers to zoos and supermarkets, our POS technology combines reliable hardware, smart apps and rapid settlement to cut costs, improve cashflow and enhance customer service.

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payabl. in-store: one terminal, every way to pay

Company name (will be published)

payabl.

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Entry Description

payabl.’s POS solution is empowering merchants in the UK, with over 1,000 terminals live in its first year, 100% uptime and ~255% YoY growth. Combining terminal reliability with smartphone flexibility, payabl.’s POS solution offers unified digital payments experiences, ensuring businesses are ready to adopt the next wave of innovation.

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VPOS TOUCH

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Nayax

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Entry Description

Nayax’s VPOS Touch is an award-winning, all-in-one cashless POS and telemetry device for unattended retail. EMV-certified and universally compatible, it accepts 80+ payment methods, enables real-time machine monitoring, and deploys in minutes. VPOS Touch enhances consumer convenience while delivering operators up to 50% higher sales and streamlined operational efficiency.

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Best Pre-Paid Product or Programme

Empowering NGOs with humanitarian prepaid cards for global emergencies

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Railsr and Yordex

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Entry Description

A prepaid card solution enabling NGOs deliver rapid, secure cash assistance anywhere in the world. Mastercard, Railsr and Yordex power instant relief, financial inclusion and transparent donor reporting thereby supporting vulnerable communities in crises with choice, control and dignity.

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Fair For You - Changing lives through better lending

Company name (will be published)

EML Payments

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Entry Description

EML Payments and Fair for You deliver a joint prepaid card programme that empowers financially excluded individuals in the UK to access essential goods affordably and responsibly. Combining ethical lending with prepaid technology, the solution promotes inclusion, prevents reliance on high-cost credit, and creates measurable social and financial impact.

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Hays Travel Mastercard

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Hays Travel

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Entry Description

The Hays Travel Mastercard® prepaid multi-currency travel card and app provide convenience, security, and control for consumers, allowing them to manage their money seamlessly while traveling. The Hays Travel Mastercard transforms customer feedback into innovation, creating a trusted, high-value product that delivers outstanding customer satisfaction and loyalty.

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Transforming Educational Travel Payments: The Avea La Poste and B4B Partnership

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B4B Payments

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Entry Description

Avea La Poste, a French travel association specialising in summer camps, overcame slow, costly international payments through B4B Payments’ instant transfer system. By reducing delays and eliminating hidden fees, B4B enhanced supplier relationships & booking experiences and lowered operational costs, demonstrating the power of payment technology in streamlining complex travel.

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Best Product Design

HY10 Visa Infinite Card – Unlimited. Understood.

Company name (will be published)

HY10

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Entry Description

The HY10 Visa Infinite Card is a minimalist, yet weighty, textured steel card designed to elevate payments into a seamless lifestyle experience. Through luxury packaging, tactile design, full integration with multi-currency accounts, intuitive app and in-house luxury lifestyle services, the HY10 Visa Infinite Card delivers understated exclusivity for our members.

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Instant cash deposits by mobile app

Company name (will be published)

Lloyds Banking Group

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Entry Description

Lloyds Banking Group’s new app feature enables Lloyds, Halifax, and Bank of Scotland customers to create a barcode and deposit cash securely and instantly at over 30,000 PayPoint stores, making cash deposits simple, fast and convenient.

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LHV Bank Debit Card

Company name (will be published)

LHV Bank

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Entry Description

LHV Bank’s numberless debit cards, launched in seven premium metallic finishes, are a bold expression of Mastercard’s Digital First principles. Elegant, secure, and distinctive, the designs combine striking aesthetics with modern functionality, redefining what a debit card can be in today’s digital-first, customer-centric era.

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Revolut x Visa NBA Cards

Company name (will be published)

Revolut

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Entry Description

Revolut x NBA Visa cards bring fandom to your wallet with two standout designs. The first – NBA Hardwood, is a sleek metal card that channels the look of polished hardwood courts with official markings. The second – NBA Baller is a bold plastic card that pops with textured, basketball-orange

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Best Security or Anti-Fraud Development

A secure, turnkey dispute platform for modern issuers

Company name (will be published)

Chargebacks911

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Entry Description

Chargebacks911 partnered with a leading fintech provider to create a ready-to-go SaaS platform that gives issuers a simple but powerful way to manage disputes seamlessly. Designed for fast-moving sectors like crypto, where fraud pressure is intense, the solution automates the dispute process and helps stop losses before they escalate.

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Barclays Scam Prevention Using Scam Signal from FICO and JT

Company name (will be published)

Barclays Bank

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Entry Description

Barclays have deployed an innovative solution called Scam Signal to reduce card fraud losses & protect customers from the harm caused by social engineering scams. This solution, developed by FICO and Jersey Telecom, uses real-time telephony data to detect potential scam activity within a regulated privacy compliant framework.

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Groundbreaking ensembled risk score transforms real-time fraud detection for financial institutions

Company name (will be published)

Featurespace, a Visa Solution

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Metro Bank Scam Checker for Customers

Company name (will be published)

Metro Bank

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Entry Description

Metro Bank is the first bank globally to launch a Scam Checker — a fast, agentic AI tool that helps customers spot scams before sending money. Built with Ask Silver, it delivers real-time protection, education, and trust, helping prevent fraud and strengthening Metro Bank’s broader fraud detection capabilities.

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Safecypher DSC: Dynamic Security Code Technology That Eliminates Card-Not-Present Fraud

Company name (will be published)

Safecypher

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Signifyd Commerce Protection Platform

Company name (will be published)

Signifyd

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Entry Description

Signifyd’s Commerce Protection Platform stops card-not-present fraud, account takeover and returns abuse. Powered by global intelligence, behavioural biometrics and returns innovation, retailers increase conversions, reduce losses and approve more good orders, while customers experience seamless shopping journeys built on trust and security.

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Stopping organised friendly fraud on a global scale

Company name (will be published)

Chargebacks911

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Entry Description

A global luxury retailer partnered with Chargebacks911 to track chargebacks at the cardholder level and uncover hidden patterns across devices, IPs, and addresses. The result: organized “friendly fraud” rings were identified and stopped before they could strike again.

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Visa Account Attack Intelligence

Company name (will be published)

Visa

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Entry Description

The Visa Account Attack Intelligence Score helps issuers and acquirers detect fraudulent activity by providing insights into enumeration (brute force) attacks of payment credentials, These attacks use known methods to try and obtain complete payment account information of cardholders to perpetrate fraud more broadly.

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Best Service to Business

Business Insights

Company name (will be published)

NatWest

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Entry Description

Business Insights on the mobile app transforms transactional data into actionable intelligence, empowering businesses to manage cashflow, plan ahead, and build financial resilience. With personalised insights, intuitive tools, and seamless integration, it delivers real-world value, helping over 170,000 businesses make confident decisions and thrive in a fast-moving commercial landscape.

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Capital on Tap: A Unified Platform for SME Financial Empowerment

Company name (will be published)

Capital on Tap

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Entry Description

Capital on Tap is a comprehensive financial platform that provides UK SMEs with fast, flexible access to credit, streamlined expense management, and a high-yield savings account—all in one place. We simplify financial complexity, helping businesses take control of their cash flow and build long-term resilience.

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Cashflows ATM Payment Acceptance

Company name (will be published)

Cashflows

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Entry Description

Cashflows ATM Payment Acceptance simplifies scheme membership for ATM operators by acting as sponsor across Visa, Mastercard, UnionPay, and more. We remove compliance burdens, provide scheme-assigned BINs, and handle settlement. Supporting ~40,000 ATMs across 11 countries, we process 184m+ transactions annually and hold 69% of the UK market.

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Chargebacks911: Launching the First Unified Dispute Solution for the Travel Industry

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Chargebacks911

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Entry Description

Chargebacks911 powers the dispute technology behind a leading global travel payments platform, delivering the travel industry’s first unified dispute process. For the first time, agencies and airlines can manage disputes from both issuing and acquiring sides through a single login.

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FlightGuard from Elavon, a division of U.S. Bank – Revolutionising airline chargebacks

Company name (will be published)

Elavon, a division of U.S. Bank

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Entry Description

‘Chargebacks’ – money paid for a product/service being compulsorily returned to customers - cost airlines millions annually, occurring in up to 3% of transactions. Banks impose chargeback fees to cover processing costs, which due to the high volumes, is significant. Elavon’s scalable, fully managed FlightGuard is an innovative, cost-saving solution.

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Fyorin - Bridging Cross-Border Payments & Card Payments Gaps for the Mid-Market

Company name (will be published)

Fyorin

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Modulr: Transforming Payments to Power Travel Business Growth

Company name (will be published)

Modulr

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Entry Description

Modulr delivers a payment service purpose-built for travel businesses, replacing slow, error-prone processes with fast, reliable automation. Customers benefit from reduced costs, stronger supplier relationships, and freed-up working capital, while flexible tools and built-in security ensure payments are simple to manage, easy to scale, and trusted across global operations.

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Tribe Payments’ Risk Monitor: Real-Time Compliance Intelligence for Instant Payment Rails

Company name (will be published)

Tribe Payments

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Entry Description

Tribe Payments’ Risk Monitor delivers inline sanctions, PEP, adverse media, and fraud screening for instant payment schemes without compromising speed. With in-house watchlists refreshed every 30 minutes and configurable decisioning logic, businesses achieve regulatory compliance, reduce false positives, and maintain real-time payment flows while lowering operational costs.

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Best Technology Integration

Best Technology Integration – Silverflow

Company name (will be published)

Silverflow

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Entry Description (will be published)

Silverflow transforms integrations from years to weeks with a cloud-native, API-first platform giving acquirers direct scheme access, real-time data and resilience. xpate expanded across the UK and EU in weeks; payabl. cut integration timelines and scaled through peaks. The result: faster go-lives, reduced delays, happier merchants and stronger growth.

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Chargebacks911 - Direct API Powering Global Merchants

Company name (will be published)

Chargebacks911

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Entry Description (will be published)

Chargebacks911 partnered with a top global payments provider to build a universal API that streamlines disputes across all methods. One connection replaces hundreds of portals, giving fraud and finance teams real-time insights, clear reporting, and faster submissions—cutting handling time by 3x and reducing false declines by 25%.

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Conferma Connect Direct: The first global PMS integration for virtual cards

Company name (will be published)

Conferma

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Entry Description (will be published)

Conferma and Hilton elevated business travel by automating the integration of virtual card payments into its Property Management System (PMS). This first-of-its-kind integration of Conferma's Connect Direct technology delivers seamless payment details via API, reducing manual sharing, and enabling faster, secure, and more frictionless check-ins worldwide.

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Currensea x The Hilton Honors Debit Card

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Currensea / Hilton Honors

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Entry Description (will be published)

Hilton and Currensea launched the world’s first multi-bank co-branded hotel debit card, leveraging Open Banking technology to deliver seamless, real-time rewards and FX savings. This innovation transforms loyalty engagement by linking directly to users’ existing bank accounts, eliminating the need for credit or new accounts.

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Nationwide & Form3 – Dual Cloud Resilience Platform

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Nationwide Building Society and Form3

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Entry Description (will be published)

Nationwide, in partnership with Form3, has implemented an active-active dual cloud payments platform across AWS and Azure. This market leading innovation, reduces reliance on legacy platforms for disaster recovery, prevents outages, and ensures uninterrupted service for millions of customers.

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Redefining fraud prevention with ADBNs – a new class of deep learning algorithm

Company name (will be published)

Featurespace, a Visa Solution

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Entry Description (will be published)

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TNSLink for Retail: A transformative enabler of digital commerce

Company name (will be published)

Transaction Network Services (TNS)

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Entry Description (will be published)

TNSLink for Retail is a secure, fully managed SD-WAN solution purpose-built for high-volume retail. It simplifies connectivity, enhances performance and ensures PCI DSS compliance across POS, kiosks, IoT and Wi-Fi. With global 24/7 monitoring, built-in failover and zero-touch provisioning, it delivers resilience, scalability and significant cost savings for retailers.

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WorldPay, the Global Payments Leader, cuts reconciliation time by 80% and has reduced FTE costs thanks to AutoRek.

Company name (will be published)

Worldpay

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Entry Description (will be published)

Worldpay transformed reconciliation by adopting AutoRek’s automated platform, cutting processing times by 80% and reducing team size by 40%. With over 90% automatic match rates, real-time dashboards, and full audit trails, AutoRek enables greater efficiency, compliance, and scalability supporting 330+ reconciliation types daily across global operations.

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iPSL’ s ICS Horizon Shift: Unlocking Agility Through Cloud Transformation.

Company name (will be published)

Intelligent Processing Solutions Ltd (iPSL)

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Entry Description (will be published)

The largest cheque processor in the UK, over 190 million items worth £250 billion processed annually c. 70% of the UK’s clearing payments. Transitioning from paper to the digital Image Clearing System (ICS) in 2019. Moving the technical horizon, successfully transformed and migrated ICS to an industry leading cloud-based solution.

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Changing Lives in the Community

Changing Lives – Making Financial Services Accessible for Everyone

Company name (will be published)

Project Nemo

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Entry Description

Project Nemo is a volunteer-led initiative driving accessibility and disability inclusion in fintech. By raising awareness, providing access to free training, and amplifying the voices of people with lived experience, Project Nemo helps ensure financial products and services work for everyone – creating lasting change for customers, companies, and communities.

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Empowering NGOs with humanitarian prepaid cards for global emergencies

Company name (will be published)

Railsr and Yordex

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Entry Description

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Give A Little Champion App: Tap to Pay, in partnership with Mastercard

Company name (will be published)

Give A Little

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Entry Description

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Paymentology’s Changing Lives Initiative

Company name (will be published)

Paymentology

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Entry Description

Paymentology’s Changing Lives Initiative empowers disadvantaged communities worldwide through education, financial literacy, technology upskilling, and health programmes. From bursaries and mentorships to tackling period poverty and supporting refugees into tech, Paymentology embeds financial inclusion at the heart of its business culture.

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Style Of Our Own powered by Mastercard

Company name (will be published)

Mastercard

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Entry Description

Style Of Our Own, powered by Mastercard, is a first-of-its-kind women’s sports store on London’s Regent Street. As a long-term champion and investor in women’s sport, Mastercard united 30 women-led SMEs to create new products and experiences and build a space that celebrates women’s sport, from grassroots to professional athletes.

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Using Payment Intelligence to Combat Human Trafficking: Banking Innovation for Social Good

Company name (will be published)

Elavon, a division of U.S. Bank

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Entry Description

U.S. Bank’s payment division, Elavon, has developed a pioneering programme to identify potential human trafficking activities by analysing payment transaction data. Through bespoke monitoring rules and manual investigation of over 1 million transactions, we've provided law enforcement with critical intelligence to combat what's becoming a disturbingly successful global criminal enterprise.

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Worldpay and The King’s Trust: Empowering Futures and Transforming Lives

Company name (will be published)

Worldpay

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Entry Description

Worldpay’s partnership with The King’s Trust empowers disadvantaged young people through mentoring, employability workshops, and volunteering, building confidence and skills for lasting change. This strategic, sustained initiative breaks cycles of disadvantage, strengthens communities, and demonstrates Worldpay’s commitment to social responsibility and building a more inclusive, equitable future for all.

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Financial Inclusion Award

Boku integrated local payment platform for Blik users on Google Play Store

Company name (will be published)

Boku

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Capital One Credit Card

Company name (will be published)

Capital One

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DOSH – Britain’s Banking Blindspot

Company name (will be published)

DOSH

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Entry Description

DOSH is a groundbreaking financial empowerment platform that simplifies money management for everyone. Combining smart tech, behavioural insights and real-time support, it helps users budget, access benefits and build financial resilience, bridging the gap between payments and everyday life with inclusive, impactful innovation aimed at the UK’s unbanked/underbanked population.

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Fair for You and EML Payments

Company name (will be published)

Fair for You and EML Payments

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Entry Description

Fair for You, in partnership with EML Payments, delivers an ethical, customer-first prepaid card programme that provides affordable credit and empowers vulnerable individuals with transparent, flexible repayment options.

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Jaja’s Launch to Rewards®: Empowering customers on their financial journey

Company name (will be published)

Jaja Finance

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