Thursday 4th February 2027 - JW Marriott Grosvenor House, London 
Category Finalists 2027
As we celebrate the 22nd year of The Card & Payments Awards, here is the shortlist for 2027.
2
Best Achievement in Sustainability
Sustainability at G+D ePayments
Company name (will be published)
Giesecke and Devrient
Logo (will be published)
Entry Description (will be published)
G+D is committed to sustainability - both in our own operations and providing our stakeholders with eco-innovative solutions and support.
Our portfolio includes sustainable payment cards , recycling services, and solutions that improve accessibility to payments for everyone.
Sustainability is integral to G+D’s corporate culture and long-term business strategy.
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Thales Payments Services: Turning Sustainability Ambition into Measurable Action
Company name (will be published)
Thales
Logo (will be published)
Entry Description (will be published)
Thales advances payment-card sustainability through lower-impact materials, regional production, circular services and digital optimization - helping issuers reduce emissions, resources and costs while offering cardholders more responsible, inclusive choices.
Our 2025 innovations include: a PVC-free card made from 100% recycled PET, eliminating chlorine; Thales D1, our modern card-issuing platform.
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3
Best App User Experience (CX Initiative)
A faster, more flexible mobile experience for 4.2 million customers
Company name (will be published)
Capital One
Logo (will be published)
Entry Description (will be published)
Capital One rebuilt its mobile app to deliver a faster, more flexible customer experience, removing release-cycle barriers that delayed improvements by nearly 8-weeks. Combining native architecture, Server Driven UI and Design system with over 85% of existing mobile services enables continuous improvements across seven brand themes and 4.2 million customers.
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Elavon Connect – We are where our customers are
Company name (will be published)
Elavon
Logo (will be published)
Entry Description (will be published)
Built on the vision that we are where our customers are, Elavon Connect delivers a
seamless omni-channel customer experience for modern omni-commerce
businesses. Through web, mobile, live chat, self-service, scheduled reporting and
secure data delivery, merchants can manage, support and grow their payments
business through the channel of their choice.
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Visa and HSBC: Enhanced Transaction Visibility
Company name (will be published)
Visa
Logo (will be published)
Entry Description (will be published)
HSBC and Visa transformed how customers understand their spending by enriching transactions with recognisable merchant names, logos, locations and contact details across all payment types. The service helps customers quickly identify purchases, improves transparency and confidence, and reduces friction caused by unrecognised transactions.
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5
Best Application of AI or ML in Financial Services
AI Powered, Risk-Based Payment Intervention Tool
Company name (will be published)
Lloyds Bank
Logo (will be published)
Entry Description (will be published)
Scam Check is a mobile-first, AI-powered fraud intervention tool embedded within the payment journey. Hosted in Google Cloud for scalability and resilience, it identifies high-risk payments, collects supporting evidence such as screenshots, analyses content in real time for scam indicators, and delivers tailored warnings to help customers avoid fraud.
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Capital on Tap: Faster Financial Crime Checks with AI Without Cutting Corners
Company name (will be published)
Capital on Tap
Logo (will be published)
Entry Description (will be published)
Capital on Tap supports over 350,000 UK small businesses with the Capital on Tap Business Credit Card. Financial crime checks protect customers but are traditionally slow. We used AI to automate research and discount clear non-matches, speeding up checks while keeping human judgement for cases that need it.
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Chargebacks911: AI That Finds the Fraud Authorisation-Stage Tools Cannot See
Company name (will be published)
Chargebacks911
Logo (will be published)
Entry Description (will be published)
Chargebacks911's Unified Dispute Management System (UDMS) applies AI and machine learning after the transaction, not before it, correlating disputes across devices, IPs and behaviour to expose organised fraud rings and repeat offenders that pre-authorisation tools miss entirely, turning every dispute into training data for smarter prevention.
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Ensembled risk score transforms real-time fraud detection for financial institutions
Company name (will be published)
Featurespace, A Visa Solution & NatWest
Logo (will be published)
Entry Description (will be published)
NatWest became the first bank to deploy Featurespace’s combined Adaptive
Behavioural Analytics and Automated Deep Behavioural Networks in production,
reducing fraud losses, customer victimisation and false positives due to improved
detection. The AI-powered solution delivers real-time fraud detection, a better
customer experience, greater operational efficiency and better fraud performance.
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Vivox AI x TransferMate: Explainable AI agents deliver regulator-ready KYB across markets
Company name (will be published)
TransferMate in partnership with Vivox AI
Logo (will be published)
Entry Description (will be published)
Vivox AI deployed explainable, auditable AI agents across TransferMate’s KYB and due diligence operations. Rolled out in eight weeks, the agents cut review time from 60 to 15 minutes per case, reduced screening alerts by 86%, consolidated seven systems into one, with every decision traceable for audits and regulatory review.
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6
Best Benefits or Loyalty Scheme
LBG x Visa x Disney Marketing Campaigns
Company name (will be published)
Lloyds Banking Group
Logo (will be published)
Entry Description (will be published)
Lloyds Banking Group, Visa and Disney have created an innovative loyalty programme that transforms everyday debit card spending into memorable experiences. Spanning Disneyland Paris, World of Frozen and West End campaigns, the simple, inclusive proposition has attracted around 3.5 million competition entries while strengthening customer engagement and brand affinity.
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Lloyds Rewards: Moving Loyalty Beyond Transactions
Company name (will be published)
Lloyds Banking Group
Logo (will be published)
Entry Description (will be published)
Lloyds Rewards is a digital loyalty proposition combining personalised cashback and savings, interactive Challenges, aspirational prize draws and distinctive partnerships. Available through Lloyds’ mobile banking platform, it helps customers make their money go further while creating measurable engagement and commercial value for Lloyds, merchants and payment partners.
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Revolut x IHG x Visa cobranded card
Company name (will be published)
Revolut x IHG x Visa
Logo (will be published)
Entry Description (will be published)
The Revolut x IHG co-branded Visa debit card transforms everyday spending into meaningful travel rewards. It uniquely combines Revolut’s digital banking experience with IHG One Rewards, enabling cardholders to earn points on hotel stays and daily purchases, unlock elite status, milestone rewards and exclusive benefits, and enjoy richer travel experiences.
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Tide Rewards: In-Store Cashback Helps UK Small Businesses Save Money
Company name (will be published)
Valuedynamx, a Collinson Company
Logo (will be published)
Entry Description (will be published)
Tide, the UK's leading business platform, partnered with Valuedynamx on a cashback rewards programme built for small businesses, not typical consumer shoppers. Extending from online to in-store at 100+ retailers like Apple, Currys, and Sainsbury's, the programme turns everyday operational spending into real savings small businesses can reinvest into growth.
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Vanquis Rewards: The Bank That's Got Your Back
Company name (will be published)
Vanquis, Visa and Reward
Logo (will be published)
Entry Description (will be published)
Vanquis Rewards gives customers who have historically had limited access to rewards their first opportunity to earn cashback through everyday card spending. Created collaboratively by Vanquis, Visa and Reward, the programme turns everyday purchases into tangible value while strengthening engagement and loyalty.
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Yonder Rewards: Redefining loyalty through experience-led cardholder benefits
Company name (will be published)
Mastercard and Yonder
Logo (will be published)
Entry Description (will be published)
Yonder has developed a highly differentiated proposition focused on experiences, premium rewards and meaningful merchant partnerships, creating a strong link between consumer value and brand engagement. Yonder leverages cardholder data to deliver more personalised offers, recommendations and experiences tailored to individual preferences.
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5
Best Credit Card or Credit Facility
Capital One: Building a more informed and inclusive credit journey.
Company name (will be published)
CAPITAL ONE (EUROPE) PLC
Logo (will be published)
Entry Description (will be published)
Capital One is redefining what customers should expect from credit cards, combining certainty at application with responsible access and meaningful opportunities to grow their credit. With Open Banking and a rebuilt mobile app, we’re working hard to make credit more intuitive, decisions more informed, and experiences more seamless.
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Helping the underserved population build credit safely and responsibly
Company name (will be published)
Visa and Vanquis
Logo (will be published)
Entry Description (will be published)
Millions of UK adults face barriers to affordable credit, limiting their ability to build financial security and plan for the future. Vanquis and Visa are helping change that by providing responsible access to credit, practical financial support and meaningful rewards that help underserved customers build confidence, resilience and opportunity.
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Inclusive, Affordable Banking and Credit for the Financially Excluded
Company name (will be published)
Pockit
Logo (will be published)
Entry Description (will be published)
Pockit's business model centres on delivering accessible, affordable financial services to underserved consumers, combining inclusive product design with disciplined, scalable growth. Its digital account provides essential payments and money management tools tailored to customers often excluded by traditional banks.
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Lloyds Ultra: One Card. Fewer Compromises.
Company name (will be published)
Lloyds Bank
Logo (will be published)
Entry Description (will be published)
Lloyds Ultra was designed around a simple idea: Customers shouldn’t have to choose between the benefits they value most.
Cashback. Fee-free overseas spending and cash withdrawals. No account fee. A low representative APR.
One simple credit card designed for everyday life, at home and abroad.
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The NatWest Credit Builder Card
Company name (will be published)
Mastercard and NatWest
Logo (will be published)
Entry Description (will be published)
The NatWest Credit Builder Card is a purpose-built credit card proposition built in association with Mastercard and designed to help our customers establish and build a positive credit history whilst developing long-term financial confidence.
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3
Best Cross-Border Payments Initiative
Ecommpay commits significant AI investment for transaction success
Company name (will be published)
Ecommpay
Logo (will be published)
Entry Description (will be published)
In a market where a failed transaction is lost revenue, and potentially a lost customer, inclusive global payments platform, Ecommpay, has made its mission to push checkout performance to its absolute limit. A company-wide investment in artificial intelligence is analysing payment declines to transform e-commerce performance.
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RS2 BankWORKS®: One infrastructure layer for global payments expansion
Company name (will be published)
RS2
Logo (will be published)
Entry Description (will be published)
RS2 enables banks, fintechs and payment providers to expand internationally through one multi-currency, multi-scheme payments platform, replacing market-by-market infrastructure with a unified architecture that improves reach, resilience and operational control.
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Thunes Pay-to-Stablecoin-Wallets
Company name (will be published)
Thunes
Logo (will be published)
Entry Description (will be published)
Thunes’ Pay-to-Stablecoin-Wallets enables financial institutions, fintechs, and enterprises to send real-time, 24/7 cross-border payouts in USDC and USDT worldwide. Reachable across 140+ countries via existing API or Swift connectivity, the solution eliminates complex blockchain integrations, gas fees, and separate liquidity management for senders.
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5
Best Customer Service
Attenda: Customer Service That Keeps Payments Moving
Company name (will be published)
Attenda
Logo (will be published)
Entry Description (will be published)
Attenda combines specialist payments expertise with responsive, human support for complex multi-site merchants. Our service model adapts to each customer, providing dedicated relationship management, implementation support and one accountable team to help solve problems, simplify payments and keep revenue moving.
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Customer Understanding at the Heart of Service Excellence
Company name (will be published)
Zempler Bank
Logo (will be published)
Entry Description (will be published)
Zempler Bank redesigned customer service around the needs of small business owners, using insight to remove friction, improve first-contact resolution and strengthen specialist support. The result was measurable progress in service accessibility, customer sentiment, complaint quality and frontline capability.
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Human-centred care, intelligently supported
Company name (will be published)
Elavon
Logo (will be published)
Entry Description (will be published)
Over the past 12 months, Elavon has strengthened its award-winning service by combining human-centred customer care with intelligent technology. LEXI gives agents instant information, Disputobot streamlines disputes, and a smart predictive retention tool helps retain at-risk customers, ensuring the right blend of human expertise, digital efficiency and proactive support.
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Transforming UK Cheque Clearing Support Through Intelligent Automated Service Response
Company name (will be published)
iPSL
Logo (will be published)
Entry Description (will be published)
iPSL processes over 190 million cheque images worth £250 billion annually, representing around 70% of UK cheque clearings. In 2025, iPSL Customer Support teams transformed support for this critical payment service, reducing SLA breaches, improving engineer mobilisation, and delivering faster resolution, greater resilience and better outcomes for millions of customers.
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Visa Migration: Customer Service Excellence at National Scale
Company name (will be published)
Lloyds Banking Group
Logo (will be published)
Entry Description (will be published)
In under 12 months Lloyds Bank migrated more than 8 million customer accounts and reissued over 9 million cards, supported by 110 million communications. A customer-centred inclusive design, phased and iterative delivery achieved NPS of 93, a 0.05% complaint rate, strong spend and digital-wallet adoption and positive FCA feedback.
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7
Best Early-Stage or Future Payments Initiative
Fast Track: Agentic AI Vision for Autonomous Chargeback Decisioning
Company name (will be published)
Elavon
Logo (will be published)
Entry Description (will be published)
Fast Track is the agentic AI solution from Elavon that autonomously classifies cardholder disputes as defendable or non-defendable, applies card scheme rules, and submits rebuttals, with a human reviewing only the final decision. Piloted on a live airline-liquidation dispute surge, it points to a fully digital future for chargeback resolution.
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Feeture: Milestone Payments for Music Collaboration
Company name (will be published)
Feeture
Logo (will be published)
Entry Description (will be published)
Feeture is where musicians collaborate, with a payment facility built into the collaboration itself. When one artist buys a feature from another, the terms they agree become the contract and drive the payment: funds committed upfront, released in milestones as work is approved, and returned by pre-agreed rules if not.
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Hands In: Split Payments and Real-Time Decline Recovery for High-Value Checkout
Company name (will be published)
Hands In
Logo (will be published)
Entry Description (will be published)
Hands In is a split payments solutions company redefining how high-value payments are completed at checkout. With a single API integration, airlines and travel merchants get multi-card payments, group payments, real-time decline recovery, and the ability to accept multiple payment methods (e.g. debit or credit cards, digital wallets, and BNPL).
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Musqet Agentic Commerce: making payments native to AI agents
Company name (will be published)
Musqet
Logo (will be published)
Entry Description (will be published)
Musqet enables AI agents to discover products, build baskets and complete purchases through a merchant's existing checkout infrastructure. Card payments sit at the core of the experience, while Bitcoin Lightning provides a differentiated second rail. Built on UCP, the service is live, open and designed for broad merchant adoption.
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The Future of Settlement: Lloyds & Visa’s Market-First Stablecoin Pilot
Company name (will be published)
LBG x Visa
Logo (will be published)
Entry Description (will be published)
A live market-first pilot between Lloyds Banking Group and Visa demonstrating stablecoin-based cross-border settlement. The initiative successfully tested faster, round-the-clock settlement using regulated digital money, including weekend processing, creating a blueprint for how major financial institutions can modernise settlement infrastructure.
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Transforming Humanitarian Aid Disbursements Through Digital Payments
Company name (will be published)
Crown Agents Bank
Logo (will be published)
Entry Description (will be published)
The New Humanitarian Payments Framework enables secure, scalable and compliant digital disbursements to beneficiaries in underserved and crisis-affected regions. By combining global reach, local payout capabilities and strengthened governance, the initiative improves aid delivery speed, transparency and access, helping humanitarian organisations distribute funds more efficiently and effectively.
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Vocalink Orchestration Layer
Company name (will be published)
Vocalink Limited
Logo (will be published)
Entry Description (will be published)
Informed by market feedback, Vocalink is developing an orchestration layer to modernise UK account-to-account payments. By connecting banks, financial institutions, and other ecosystem participants to infrastructure through shared capabilities and standards, it would bridge today’s resilient rails with the future ecosystem – unlocking competition, richer data, and new customer propositions.
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3
Best Embedded Finance Integration
Access PaySuite
Company name (will be published)
The Access Group
Logo (will be published)
Entry Description (will be published)
UK businesses face fragmented financial operations, juggling disconnected providers, delayed settlement and manual reconciliation. Access PaySuite replaces this complexity with full-stack embedded finance: one dashboard, one login and end-to-end control of money in and out. T+1 settlement, business accounts, payouts and Visa cards deliver faster access, smarter spending and visibility.
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BEN/Airwallex/Visa - Embedded Benefits Through Branded Employee Visa Cards
Company name (will be published)
BEN x Airwallex x Visa
Logo (will be published)
Entry Description (will be published)
Ben embeds funded employee benefits into a branded Visa card and digital wallet experience. Through Airwallex infrastructure, employers configure and fund allowances while employees spend within approved categories. The model combines global benefits administration, payment and employer control in one platform.
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Freightos Pay: Embedded Finance for Air Cargo
Company name (will be published)
Freightos and Transcard
Logo (will be published)
Entry Description (will be published)
Freightos Pay brings booking, credit, payment and reconciliation into one seamless journey, Freightos, Transcard and Visa built a solution that removes accreditation and working-capital barriers for freight forwarders, gives airlines payment assurance and creates a scalable blueprint for embedded B2B finance.
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12
Best Industry Innovation
Cashflows Shift: modular PayFac-as-a-Service with Cardstream Group
Company name (will be published)
Cashflows
Logo (will be published)
Entry Description (will be published)
Cashflows Shift enables software platforms to own payments for SME merchants without a lengthy licensing programme. It offers a scalable, modular journey from referral partner to ISO, PayFac-as-a-Service, full Payment Facilitator in partnership with Cardstream, and ultimately acquiring BIN sponsorship, leveraging Cashflows’ regulatory licences, scheme membership, and infrastructure.
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Conferma’s Virtual Card Performance Index: the first benchmark for hotel payment reliability
Company name (will be published)
Conferma
Logo (will be published)
Entry Description (will be published)
The Virtual Card Performance Index is the first objective benchmark for hotel virtual card payment performance. Built on 1.97 million deployments across 40,000+ hotel properties, it shows issuers, TMCs and corporates where payment friction threatens volume, while giving hotels a measurable route to improve.
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Convego Notch Dexterity
Company name (will be published)
Giesecke and Devrient
Logo (will be published)
Entry Description (will be published)
Convego Dexterity Notch - An innovative notched payment card that helps those with dexterity and grip issues. More than just a notch, this alteration of the card uses a textured, angled, and “stepped” effect to make grasping a card one-handed easier for everyone.
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Decision Intelligence Pro
Company name (will be published)
DI Pro: Mastercard
Logo (will be published)
Entry Description (will be published)
Mastercard Decision Intelligence Pro is a next-generation fraud detection solution for issuers, using graph-based algorithms and generative AI to strengthen real-time transaction risk decisioning, especially in card-not-present environments.
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Disputobot: The AI Knowledge Assistant Redefining Chargeback Dispute Resolution
Company name (will be published)
Elavon
Logo (will be published)
Entry Description (will be published)
Disputobot is a generative AI chatbot giving every Elavon disputes employee instant, consistent access to card scheme rules, FAQs, SOPs and case studies. Built at zero cost, it has cut average handle time, accelerated new-hire proficiency, and improved dispute outcomes for merchants and cardholders across all verticals and schemes.
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Form3 Financial Fabric
Company name (will be published)
Form3
Logo (will be published)
Entry Description (will be published)
Form3 Financial Fabric is a global, cloud-native account-to-account payments platform enabling banks and fintechs to move money across regions and payment networks through one API. It combines processing, scheme connectivity, orchestration, intelligent routing, simulation, sponsor-bank enablement and resilience, reducing the complexity of maintaining separate infrastructure for each market and rail.
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Freightos Pay: Rewiring How Global Air Cargo Gets Paid
Company name (will be published)
Freightos and Transcard
Logo (will be published)
Entry Description (will be published)
Freightos Pay transforms payment from an after-the-event process into an engine for air cargo growth. By embedding credit, Visa virtual cards and automated reconciliation into Freightos, the partnership expands direct airline access and creates a replicable model for digitising complex B2B trade flows.
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payabl.one: one moneyspace that grows with your business
Company name (will be published)
payabl.
Logo (will be published)
Entry Description (will be published)
payabl.one is a live moneyspace connecting payments, business accounts, cards, in-store sales, reporting and risk management. As capabilities are added, businesses can adopt them through an existing validated relationship, reducing fragmentation, duplicated onboarding and unnecessary movement of money.
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RS2 BankWORKS®: Intelligent orchestration across the full payments value chain
Company name (will be published)
RS2
Logo (will be published)
Entry Description (will be published)
RS2’s BankWORKS® platform extends payments orchestration beyond routing into a strategic control layer, combining real-time decisioning, switching, fraud, settlement, reconciliation and resilience within one cloud-native environment.
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Sprive Rewards: Turning Everyday Spending into Mortgage Overpayments
Company name (will be published)
Valuedynamx, a Collinson Company
Logo (will be published)
Entry Description (will be published)
Sprive and Valuedynamx turned everyday shopping into mortgage overpayments. Merchant funded rewards from 2,500+ UK brands are embedded in the Sprive app and paid straight to the customer's lender, helping homeowners become mortgage free sooner.
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Tigapo by Nayax: Reinventing payments for arcades and FECs
Company name (will be published)
Nayax
Logo (will be published)
Entry Description (will be published)
Tigapo by Nayax is a cloud-native payment and experience platform for arcades and family entertainment centres. It connects payments, gameplay, loyalty, redemption and venue management, helping operators increase revenue, reduce manual work and give visitors a faster, more engaging experience.
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Torus Scheme Fee & Interchange Assurance
Company name (will be published)
Torus
Logo (will be published)
Entry Description (will be published)
Torus Scheme Fee & Interchange Assurance product turns monthly scheme invoices into a fully reconciled merchant-level cost base, allocating actual scheme fees to individual merchant IDs, incorporating interchange where required, and closing the month with zero unallocated amounts.
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5
Best Initiative in Open Banking
Cashflows Instant Payouts: verified open banking disbursement, built with fumopay
Company name (will be published)
Cashflows
Logo (will be published)
Entry Description (will be published)
Cashflows Instant Payouts uses open banking to replace manual merchant disbursement with instant account-to-account payments. Built with fumopay, an FCA-authorised third-party provider that owns its own connectivity, it verifies account ownership through Account Information Services before any funds move, then settles in under two minutes with full audit visibility.
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From pay by bank to smarter, more responsible access to credit.
Company name (will be published)
CAPITAL ONE (EUROPE) PLC
Logo (will be published)
Entry Description (will be published)
At Capital One, we knew Open Banking could move money. Our next step was to explore how it could help us make better lending decisions. By extending Open Banking into acquisition, underwriting, and income verification, we’re using customer-permissioned data to broaden access to credit, strengthen decision-making, and support responsible outcomes
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Lloyds Banking Group in partnership with Visa – Tink
Company name (will be published)
Lloyds Banking Group
Logo (will be published)
Entry Description (will be published)
Lloyds Banking Group’s Open Banking Money Movement, delivered with Visa–Tink, enables customers to securely move money from external accounts within the banking app. Embedded across key journeys, it reduces friction, improves account funding and creates a scalable platform for future propositions.
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Lloyds Pay By Bank: Making Account-to-Account Payments Mainstream
Company name (will be published)
Lloyds Banking Group
Logo (will be published)
Entry Description (will be published)
Lloyds Pay By Bank uses Open Banking technology to enable secure account-to-account payments directly from a customer's bank account. By reducing friction in the payment journey, the service helps businesses improve payment collection while giving customers a fast, convenient and secure alternative to traditional payment methods.
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Yaspa Intelligent Payments
Company name (will be published)
Yaspa
Logo (will be published)
Entry Description (will be published)
A payment usually reveals nothing about the person making it. Yaspa's Intelligent Payments changes that. With consent, it analyses a customer's transaction data as they pay via open banking. In real time, businesses know how to engage them and when to hold back, without separate checks or document uploads.
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9
Best Marketing Campaign
American Express UK presents: ‘There’s always something more with Amex’
Company name (will be published)
American Express
Logo (will be published)
Entry Description (will be published)
The myth-busting ‘There’s always something more with Amex’ was Amex UK’s first ever unified brand, portfolio and product advertising platform, specifically created for a UK audience. More than a one-off acquisition campaign, this was a transformative long-term strategy, successfully aligning the brand promise and product value proposition, with impressive results.
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Driving SMB Growth: The Business Bestie Bus Tour
Company name (will be published)
Global Payments
Logo (will be published)
Entry Description (will be published)
Worldpay 360’s launch was elevated through the ‘Business Bestie’ campaign (July-August 2025), 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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From screen to street, elevating Elavon presence in a crowded market
Company name (will be published)
Elavon
Logo (will be published)
Entry Description (will be published)
The Moments campaign redefined payments marketing by putting customers, not transactions, at the centre of the story. Combining compelling creative, targeted media, experiential activations and strategic partnerships, the campaign elevated brand perception across the UK, delivering meaningful engagement while demonstrating how Elavon supports businesses through every stage of growth.
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Get Summer Ready with NatWest Rewards
Company name (will be published)
NatWest and Reward
Logo (will be published)
Entry Description (will be published)
NatWest turned awareness of paid-for account benefits into customer action. ‘Get Summer Ready with Rewards’, which ran from 11th – 20th August, organised tailored travel benefits, retailer offers and balance-led redemption messaging around customers’ holiday checklist, delivering measurable uplifts in engagement, earning and redemption across five account types.
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Mastercard Team Priceless Silverstone – Putting fans in pole position
Company name (will be published)
Mastercard and McLaren
Logo (will be published)
Entry Description (will be published)
During the British Grand Prix, Mastercard brought fans closer to their passion for the McLaren Mastercard F1 Team through a once-in-a-lifetime experience, offering exclusive, behind-the-scenes access into the heart of the team, including the Paddock, McLaren Technology Centre, a hot lap and driver meet and greet.
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The Power of Honey: 10,000 Bees. One Powerful Lesson About Fraud.
Company name (will be published)
Visa & the Bank of England Museum
Logo (will be published)
Entry Description (will be published)
Fraud succeeds by hiding in plain sight. Visa made that invisible threat tangible through The Power of Honey, a multi-sensory exhibition at the Bank of England Museum. Using honey fraud as an analogy for financial crime transformed public curiosity into global B2B engagement, thought leadership, and qualified commercial demand.
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Vanquis & Visa: Making Aspiration More Inclusive
Company name (will be published)
Visa and Vanquis
Logo (will be published)
Entry Description (will be published)
Premium rewards have traditionally been built for premium customers. Vanquis and Visa challenged that convention, combining the chance to win an unforgettable Florida family holiday with mechanics that rewarded everyday spending, app engagement and on-time payments. The result was inclusive aspiration, responsible participation and exceptional commercial growth.
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Visa ‘Tap In’ x FIFA World Cup 2026™
Company name (will be published)
Visa
Logo (will be published)
Entry Description (will be published)
Visa turned its FIFA World Cup 2026™ partnership into measurable brand and commercial value. ‘Tap In’ connected effortless goals with effortless payments, combining mass media with creators, independent artists and EA SPORTS FC to build relevance, preference and incremental usage across football fans, UK consumers, in particular 18-34s.
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“Credit Gaffer” by Aqua
Company name (will be published)
NewDay
Logo (will be published)
Entry Description (will be published)
Aqua’s “Credit Gaffer” campaign combined football and financial wellbeing through a partnership with Premier League manager Sean Dyche. In his role as Aqua’s “Credit Gaffer”, Sean delivered “The Gameplan”, a series of accessible coaching tips aimed at helping people across the UK build confidence in managing and improving their credit.
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7
Best Payment Facility
Argos Pay
Company name (will be published)
NewDay
Logo (will be published)
Entry Description (will be published)
Argos Pay is a digital payment facility that gives customers a flexible way to spread the cost of purchases they make at Argos. Integrated seamlessly into the Argos online shopping journey, it provides customers with payment choice, transparent financing options and a streamlined customer experience from checkout to account management.
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Barclaycard Payments Unified Checkout: Simplifying Payment Choice Through a Single Integration
Company name (will be published)
Barclaycard Payments and Visa Acceptance Solutions
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Entry Description (will be published)
With the launch of Unified Checkout on the Smartpay Fuse gateway, Barclaycard Payments has simplified payment acceptance through a single integration. Combining Barclaycard Payments' acquiring expertise with Visa Acceptance Solutions technology, the platform enables multiple payment methods while reducing complexity and delivering secure, scalable and future-ready commerce experiences.
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Elavon Payment Gateway: Payments Embedded Where Business Happens
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Elavon
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Entry Description (will be published)
EPG gives businesses flexible, secure ways to take and manage payments across ecommerce and card-not-present journeys. It's hosted and API integrations, payment links, digital wallets, platform plugins and merchant tools reduce complexity and embed payments into existing workflows, as illustrated by Elavon and LegalTech provider Minerva’s partnership, benefiting law firms.
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Nayax and Unipaas: one payment environment for every channel
Company name (will be published)
Nayax
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Entry Description (will be published)
Nayax and Unipaas give UK SaaS platforms an integrated way to offer online and in-person payments. By bringing Nayax terminals into the Unipaas embedded payments environment, the partnership gives platforms and their merchants unified onboarding, transaction visibility, reporting and reconciliation across both channels.
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The new American Express Digital Card
Company name (will be published)
American Express
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Entry Description (will be published)
Housed in the American Express App, the innovative American Express Digital Card, uses a constantly changing security code for second-to-none protection. An alternative to physical Cards for online, recurring subscriptions and telephone payments, tokenised credentials, linked to their accounts, mean Cardmembers continue to accumulate best-in-class rewards on their spending.
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Trust Payments connected payment facility
Company name (will be published)
Trust Payments
Logo (will be published)
Entry Description (will be published)
Trust Payments brings gateway, acquiring and payment acceptance together to help merchants make payments simpler across online, point-of-sale and mobile channels. Its connected payment facility expands customer choice, reduces friction, accelerates settlement and gives businesses the tools, insight and support to manage payments more effectively.
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Yaspa's Intelligent Payments
Company name (will be published)
Yaspa
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Entry Description (will be published)
Yaspa's Pay by Bank rail moves money straight from a customer's bank account in real time, with no cards and no multi-day wait. Built into that same authenticated moment, Intelligent Payments adds a consented financial-health check, giving operators instant settlement and a same-second risk decision from one payment
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2
Best Payments Industry Newcomer
Valtura: One Platform for Acquirers and ISOs to Operate and Serve Merchants
Company name (will be published)
Valtura Payments Group Limited
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Entry Description (will be published)
Valtura connects merchant statement analysis, multi-provider pricing, proposals, onboarding and commission reporting in one payments operating platform. Built for payment companies, it replaces fragmented administration with connected workflows, supported by source-backed Knowledge AI and portfolio insight.
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Velocity: eliminating prefunding for acquirers and issuers with instant stablecoin settlement
Company name (will be published)
Velocity
Logo (will be published)
Entry Description (will be published)
Velocity is London-based stablecoin settlement infrastructure that removes the prefunding and collateral locking up capital across payments: eliminating $2 billion of prefunding for a large acquirer and, with Thredd, cutting issuers' card collateral by 40% so both sides of the ecosystem can grow.
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3
Best POS Solution
Argos Pay
Company name (will be published)
NewDay
Logo (will be published)
Entry Description (will be published)
Argos Pay is a digital payment facility that gives customers a flexible way to spread the cost of purchases they make at Argos. Integrated seamlessly into the Argos online shopping journey, it provides customers with payment choice, transparent financing options and a streamlined customer experience from checkout to account management.
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Nayax VPOS Touch: Intelligent point-of-sale for unattended retail
Company name (will be published)
Nayax
Logo (will be published)
Entry Description (will be published)
VPOS Touch is Nayax’s all-in-one cashless point-of-sale and telemetry device for unattended retail. It combines payment acceptance, acquiring, processing and real-time machine management in a single unit. Live on more than 250,000 machines across the globe.
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payabl. in-store: taking in-person payments beyond the terminal
Company name (will be published)
payabl.
Logo (will be published)
Entry Description (will be published)
payabl. in-store combines physical terminals, EPOS integrations and Tap to pay in one proposition, giving businesses fixed or smartphone-based acceptance while keeping transactions within the wider payabl.one ecosystem for payments, business accounts, cards and reporting.
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4
Best Pre-Paid Product or Programme
Expanding Access to the Digital Economy
Company name (will be published)
Paysafe
Logo (will be published)
Entry Description (will be published)
PaysafeCard is a leading prepaid payment solution that transforms cash into digital spending power, enabling consumers to pay online without a bank account or credit card. Available in more than 50 countries, it delivers privacy, security, accessibility and budget control while helping millions participate confidently in the digital economy.
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MyDOSH Card
Company name (will be published)
DOSH
Logo (will be published)
Entry Description (will be published)
DOSH is designed around real lives, not ideal customers. Our prepaid Mastercard account supports people who may be underserved by traditional financial services, combining accessible onboarding, practical financial tools, enhanced protection and real human support with a modern payment experience that does not ask customers to compromise.
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Privat 3 Money: Fintech Agility Transforming Superyacht and UHNW Payments
Company name (will be published)
Privat 3 Money limited x Visa
Logo (will be published)
Entry Description (will be published)
P3 Marine built a platform to manage superyachts like a small multinational business, integrated Clowd9 processing into its proprietary API as a Visa Principal Member. Replacing fragmented banks and prepaid cards, it delivers instant multi-currency debit issuing, real-time ledger tracking, and automated reconciliation for UHNW family offices and superyacht fleets.
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Sibstar
Company name (will be published)
Sibstar
Logo (will be published)
Entry Description (will be published)
Sibstar is a debit card and app built to help financially vulnerable adults manage their everyday money safely. Families can put personalised safeguards in place, while the person using the card can continue making their own choices, spending independently and staying in control of their finances.
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4
Best Product Design
Audi Revolut F1® Team Card Design
Company name (will be published)
Revolut and CompoSecure
Logo (will be published)
Entry Description (will be published)
A special-edition card design for Revolut and the Audi Revolut F1® Team, coated in the same high-grade titanium used on the team’s R26 race car. Its aerodynamic-inspired design carries the team’s visual ‘skin’ from the grid into fans’ wallets: lightweight, sharp and streamlined, built like the car it celebrates.
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Convego Notch Dexterity
Company name (will be published)
Giesecke and Devrient
Logo (will be published)
Entry Description (will be published)
Convego Dexterity Notch - An innovative notched payment card that helps those with dexterity and grip issues. More than just a notch, this alteration of the card uses a textured, angled, and “stepped” effect to make grasping a card one-handed easier for everyone.
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PaysafeWallet: Designing a Unified Payment Experience
Company name (will be published)
Paysafe
Logo (will be published)
Entry Description (will be published)
PaysafeWallet transforms PaysafeCard’s trusted prepaid experience into an accessible digital wallet. Its unified interface brings together cash deposits, an IBAN-enabled account, debit card functionality and real-time fund movement, helping cash-preferred consumers participate in digital commerce through a familiar, consistent and intuitive experience.
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The NatWest Credit Builder Card
Company name (will be published)
Mastercard and NatWest
Logo (will be published)
Entry Description (will be published)
The NatWest Credit Builder Card is a purpose-built credit card proposition built in association with Mastercard and designed to help our customers establish and build a positive credit history whilst developing long-term financial confidence.
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9
Best Security or Anti-Fraud Development
Chargebacks911: Stopping Organised Fraud Through Post-Transaction Intelligence and Automation
Company name (will be published)
Chargebacks911 / Fi911
Logo (will be published)
Entry Description (will be published)
Chargebacks911's Unified Dispute Management System (UDMS) detects, stops fraud others cannot see, after the transaction. By linking dispute data across devices, IPs, emails and behaviour, UDMS exposes organised fraud rings and repeat offenders that authorisation-stage tools miss entirely, turning every dispute into actionable fraud intelligence that prevents the next attack.
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Consumer Fraud Risk Data Insights: Near-real time intelligence sharing across financial institutions
Company name (will be published)
CFR Data Insights: Mastercard
Logo (will be published)
Entry Description (will be published)
Consumer Fraud Risk (CFR) Data Insights harnesses intelligence and collaboration to calculate and share enriched fraud risk indicators between financial institutions in near real-time at transaction initiation. By performing analysis on behalf of participating institutions and linking standardised account insights to CFR responses, it further strengthens A2A fraud-decisioning.
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Innovating with the first consumer Scam Checker that uses artificial intelligence
Company name (will be published)
Ask Silver
Logo (will be published)
Entry Description (will be published)
Ask Silver is a human-centred scam prevention startup. It launched the world's first AI Scam Checker on WhatsApp, empowering anyone to check suspicious messages, calls, letters or websites in seconds. Metro Bank became the first bank in the world to offer it, and other banks are now following suit.
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LBG x Visa Scam Network Disruption
Company name (will be published)
Lloyds Banking Group and Visa
Logo (will be published)
Entry Description (will be published)
Lloyds Banking Group and Visa transformed 95 bank-identified scam merchants into network-wide intelligence, mapping connected scam clusters, identifying exposure and enabling enforcement. The collaboration moved fraud control beyond individual transactions and merchants towards proactive disruption of organised scam networks across the payments ecosystem.
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Pay Defence Pro: Exposing Connecting Fraud Networks in Real Time
Company name (will be published)
Elavon, the payments arm of U.S. Bank
Logo (will be published)
Entry Description (will be published)
Elavon merchant Tropical Smoothie Café used connected fraud intelligence to prevent over 7,000 order attempts associated with a card-testing network within two days of launch. Pay Defence Pro identifies relationships across cards, devices and customer identities in real-time, helping stop organised card-not-present attacks without adding unnecessary friction to genuine orders.
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PTSB and Visa: Consortium Network Intelligence and a unified Integrated risk strategy
Company name (will be published)
PTSB & Visa
Logo (will be published)
Entry Description (will be published)
PTSB and Visa created an adaptive integrated risk platform combining Featurespace behavioural analytics, Visa network intelligence, multiple risk signals and expert managed services. The partnership converts intelligence from across the payment ecosystem into targeted controls, helping PTSB identify evolving threats and protect customers while minimising unnecessary friction.
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PTSB Protect: Turning fraud prevention into customer protection
Company name (will be published)
ptsb
Logo (will be published)
Entry Description (will be published)
PTSB Protect is an innovative anti-fraud feature embedded within the PTSB app. It proactively identifies and blocks known fraudulent texts, suspicious phone numbers, harmful links and scam-related content, providing customers with an innovative additional layer of security while protecting their privacy
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The Payment Context Protocol: stopping APP scams before money moves
Company name (will be published)
Tunic Pay
Logo (will be published)
Entry Description (will be published)
Tunic Pay is building the payment context protocol: a real-time intelligence layer that prevents Authorised Push Payment scams before money moves. It is live in production across several of the UK's largest banks, protecting customers at national scale.
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Turning compliance into a competitive advantage: Bank of Ireland’s Fraud Transformation Journey
Company name (will be published)
Featurespace, A Visa Solution & Bank of Ireland
Logo (will be published)
Entry Description (will be published)
Bank of Ireland transformed its fraud prevention capability to maintain PSD2
compliance, support SEPA Instant, and combat increasingly sophisticated fraud threats.
Powered by The Featurespace Platform, the initiative delivered real-time fraud
intervention, reduced attempted fraud by 30%, cut customer losses by 39%, and set a
new benchmark for customer protection.
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9
Best Service to Business
EIT White-Labelled Helpdesk
Company name (will be published)
European Information Technology Ltd
Logo (will be published)
Entry Description (will be published)
EIT's White-Labelled Helpdesk solves one of the biggest challenges facing technology providers: delivering high-quality technical support without the investment, management overhead and operational risk of building an internal team. Acting as a seamless extension of our partners' brands, we improve customer experience, reduce attrition, accelerate growth and strengthen merchant retention.
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Elavon's Layered Service Model: From Self-Service to Premier Relationships
Company name (will be published)
Elavon
Logo (will be published)
Entry Description (will be published)
Elavon supports every corporate customer with the right blend of digital self-service, AI-assisted human support and proactive care, reserving a single dedicated relationship manager, Premier, for its largest and most complex accounts. Together, this layered model gives businesses of every size a faster, more consistent and more personal payments experience.
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Fyorin: One Login, Every Bank, Every Financial Product, for Growing Businesses
Company name (will be published)
Fyorin
Logo (will be published)
Entry Description (will be published)
One login gives multi-entity businesses a platform to scale on: direct access to a network of financial institutions across 200+ countries and 100+ currencies, a full finance stack for payables, receivables, treasury & cash management, cards, and expense management, which can be adopted module by module as the business grows.
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Modulr: Transforming payments to power travel business growth
Company name (will be published)
Modulr
Logo (will be published)
Entry Description (will be published)
Modulr's award-winning travel payments platform replaces slow, manual supplier payments with fast, reliable automation. Modulr processes over £180bn in payment value on an annualised basis, and its travel platform it improves efficiency, strengthens supplier relationships, and frees up working capital, making payments simple, easy to scale, and secure.
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payabl.one: one moneyspace for business payments and finance
Company name (will be published)
payabl.
Logo (will be published)
Entry Description (will be published)
payabl.one brings acquiring, checkout, in-store payments, business accounts, cards, fraud tools and reporting into one connected environment, giving businesses clearer control of money flow, faster onboarding, fewer operational hand-offs and direct human support from implementation through scale.
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Revolut Business - Titan Card
Company name (will be published)
Revolut
Logo (will be published)
Entry Description (will be published)
Titan is Revolut Business’s premium card for ambitious global companies. By combining spend management, automated expense controls, travel benefits, business subscriptions and rewards in one solution, it reduces admin, improves productivity and strengthens cost control, while giving teams the tools and flexibility to spend confidently as the business grows.
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Simplifying sole trader admin with Hnry and Edenred Payment Solutions
Company name (will be published)
Edenred Payment Solutions
Logo (will be published)
Entry Description (will be published)
In the UK, up to 3.2 million sole traders face fragmented financial admin, manual tax processes and growing compliance pressure.
Hnry and EPS have transformed this experience through an all-in-one platform combining tax automation and accounting, powered by secure issuing, payment processing and local regulatory coverage.
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Thrive Street: Empowering small businesses beyond payments
Company name (will be published)
Mastercard and Worldpay
Logo (will be published)
Entry Description (will be published)
Thrive Street is Mastercard and Worldpay's flagship SME growth programme, curated by Mary Portas. Through free retail space, mentoring, business education, networking and national promotion, the initiative helps small businesses build visibility, skills and connections while strengthening local communities and high streets.
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Tribe Payments: Faster launches, fewer vendors, hands-on support
Company name (will be published)
Tribe Payments
Logo (will be published)
Entry Description (will be published)
Tribe Payments helps payment businesses launch and grow without assembling a complicated network of suppliers. Its modular platform brings processing, scheme connectivity, authentication and risk capabilities together, backed by a team that remains closely involved from initial integration through to day-to-day operation and growth.
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8
Best Technology Integration
Aurum FinanceOS
Company name (will be published)
Aurum Solutions
Logo (will be published)
Entry Description (will be published)
Aurum FinanceOS connects the tech stack of finance teams in payments, centralising and automating data prep, workflows, reconciliation, safeguarding and journals in one AI-powered platform.
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Chargebacks911: One API Connecting Every Dispute Across Every Payment Provider
Company name (will be published)
Chargebacks911 / Fi911
Logo (will be published)
Entry Description (will be published)
Chargebacks911 built the payments industry's first universal dispute API, giving merchants and acquirers a single connection to manage chargebacks across every payment provider, scheme and method in real time. One integration replaces hundreds of portals, eliminates manual rework and delivers automated dispute resolution at enterprise scale.
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Form3 Financial Fabric
Company name (will be published)
Form3
Logo (will be published)
Entry Description (will be published)
Form3 Financial Fabric is a global, cloud-native account-to-account payments platform enabling banks and fintechs to move money across regions and payment networks through one API. It combines processing, scheme connectivity, orchestration, intelligent routing, simulation, sponsor-bank enablement and managed resilience, reducing the complexity of maintaining infrastructure for each market and rail.
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Privat 3 Money: Fintech Agility Transforming Superyacht and UHNW Payments
Company name (will be published)
Privat 3 Money limited x Visa
Logo (will be published)
Entry Description (will be published)
P3 Marine built a platform to manage superyachts like a small multinational business, integrated Clowd9 processing into its proprietary API as a Visa Principal Member. Replacing fragmented banks and prepaid cards, it delivers instant multi-currency debit issuing, real-time ledger tracking, and automated reconciliation for UHNW family offices and superyacht fleets.
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Silverflow: Rebuilding the foundations of card acquiring
Company name (will be published)
Silverflow
Logo (will be published)
Entry Description (will be published)
Silverflow's cloud-native, API-first processing platform gives acquirers direct connectivity to card networks through a single infrastructure layer. Replacing legacy processing architecture with real-time data, continuous deployment and flexible integration, it helps financial institutions modernise acquiring, launch services faster and improve payment performance without wholesale infrastructure replacement.
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The technology foundation for a faster, more flexible mobile app.
Company name (will be published)
CAPITAL ONE (EUROPE) PLC
Logo (will be published)
Entry Description (will be published)
Capital One rebuilt its mobile app to remove release-cycle barriers that delayed customer improvements by up to eight weeks. A native modular architecture, Server Driven UI and design system integrate with over 85% of existing mobile services, enabling server-composed experiences, continuous improvements across versions, seven brand themes and 4.2m customers.
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Tribe Payments and Fyorin: Integrating payments and treasury operations at scale
Company name (will be published)
Tribe Payments
Logo (will be published)
Entry Description (will be published)
Tribe Payments and Fyorin have integrated issuer processing, banking, risk and card technology into one financial operations platform. The integration helps businesses manage accounts, payments, cards, approvals and reporting across multiple providers, reducing operating costs by up to 80% and manual payment activity by up to 90%.
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Visa and HSBC Merchant Enrichment Technology Integration
Company name (will be published)
HSBC UK / Visa
Logo (will be published)
Entry Description (will be published)
HSBC integrated Tink’s (a Visa solution) merchant enrichment technology into its digital banking experience, combining transaction data with merchant names, logos, locations and contact details. The solution delivers enriched information in milliseconds, helps customers identify purchases and creates a scalable platform for future expansion.
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4
Changing Lives in the Community
Capital One and National Numeracy: Building Number Confidence
Company name (will be published)
CAPITAL ONE (EUROPE) PLC
Logo (will be published)
Entry Description (will be published)
Capital One works with National Numeracy to drive systemic change in building number confidence. Alongside supporting our communities directly, we are using our influence to engage government and shape wider policy around numeracy, financial inclusion, and social mobility.
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Changing lives through the MBNA Community Investment Programme
Company name (will be published)
MBNA (part of Lloyds Banking Group)
Logo (will be published)
Entry Description (will be published)
MBNA’s Community Investment Programme is turning community partnerships into lasting social impact.
Through our £750,000 investment over the awards period, practical support and colleague involvement, we’re helping remove barriers to sport, education, culture and community life, creating opportunities for tens of thousands of people who might otherwise be excluded.
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Visa & Nationwide Accredited Teacher Financial Education
Company name (will be published)
Visa and Nationwide
Logo (will be published)
Entry Description (will be published)
Visa and Nationwide's Towns Fund initiative: Accredited Teacher Financial Education programme is improving financial inclusion by equipping teachers with accredited training and ready-to-use resources, enabling high-quality financial education to reach hundreds of thousands of young people and helping build the financial confidence, capability, and resilience needed for lifelong financial wellbeing.
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Visa & Nationwide Towns Fund Community Emergency Resources
Company name (will be published)
Nationwide and Visa
Logo (will be published)
Entry Description (will be published)
Visa & Nationwide Towns Fund Community Emergency Resources transforms Nationwide branches into community emergency hubs, providing public access to life-saving defibrillators and bleed-control kits while delivering first aid training that strengthens community resilience and helps save lives across the UK.
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5
Financial Inclusion Award
Delivery of Hide Payment References Feature
Company name (will be published)
Nationwide Building Society
Logo (will be published)
Entry Description (will be published)
Nationwide is the first high street banking provider to offer a ‘Hide Payment Reference’ feature, allowing customers to block abusive or triggering payment messages and restore control over their everyday banking.
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Helping the underserved population build credit safely and responsibly
Company name (will be published)
Visa and Vanquis
Logo (will be published)
Entry Description (will be published)
Millions of UK adults face barriers to affordable credit, limiting their ability to build financial security and plan for the future. Vanquis and Visa are helping change that by providing responsible access to credit, practical financial support and meaningful rewards that help underserved customers build confidence, resilience and opportunity.
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Inclusive, Affordable Banking and Credit for the Financially Excluded
Company name (will be published)
Pockit
Logo (will be published)
Entry Description (will be published)
Pockit's business model centres on delivering accessible, affordable financial services to underserved consumers, combining inclusive product design with disciplined, scalable growth. Its digital account provides essential payments and money management tools tailored to customers often excluded by traditional banks.
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Nationwide: Advancing financial inclusion through accessibility, safety and sector-wide innovation
Company name (will be published)
Nationwide
Logo (will be published)
Entry Description (will be published)
Nationwide is advancing financial inclusion by turning lived experience into practical innovation: improving disability inclusion, protecting vulnerable customers and sharing solutions across the entire banking industry. From accessible branches and communications to survivor-led safety features and Speak Easy communication cards, we’re helping more people bank with confidence, independence and dignity.
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Sibstar
Company name (will be published)
Sibstar
Logo (will be published)
Entry Description (will be published)
Sibstar is a debit card and app built to help financially vulnerable adults manage their everyday money safely. Families can put personalised safeguards in place, while the person using the card can continue making their own choices, spending independently and staying in control of their finances.
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