November 17, 2026 | Gotham Hall, New York. 
Category Finalists 2026
As we celebrate the 1st Edition of The Card & Payments Awards USA, here is the shortlist for 2026.
5
Best Application of AI or ML in Financial Services
AcceptIQ by FlexFactor: AI-Powered Decline Decisioning for Real-Time Payment Recovery
Company name (will be published)
FlexFactor
Logo (will be published)
Entry Description (will be published)
<p>FlexFactor’s AI-native AcceptIQ
platform combines a proprietary
Decline Foundation Model with
coordinated payment intelligence
engines to evaluate transaction,
issuer, merchant, MID, and routing
signals in real time, enabling
eligible false declines to be reversed
before customers experience a
failed payment.</p>
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AI as Proactive Fraud Fighter: Sonar & Rules Assist by CPI in Partnership with Rippleshot
Company name (will be published)
CPI in partnership with Rippleshot
Logo (will be published)
Entry Description (will be published)
<p>CPI, together with Rippleshot,
offers financial institutions a fraud
intelligence platform powered by
AI and machine learning to help
financial teams move from reactive
fraud management to proactive
fraud prevention. </p>
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Ask Global Payments Solutions (AskGPS)
Company name (will be published)
Bank of America
Logo (will be published)
Entry Description (will be published)
<p>AskGPS is an enterprise-grade,
in-house generative AI platform
delivering authoritative treasury
and payments intelligence at
scale. It compresses research
from hours to seconds, unlocks
material productivity gains,
elevates client engagement, and
embeds governed, compliant AI
directly into daily workflows—
representing a step-change in how
financial institutions operationalize
intelligence. </p>
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DataVisor Real-time Adaptive AI Decisioning Platform for Fraud & AML
Company name (will be published)
DataVisor
Logo (will be published)
Entry Description (will be published)
<p>DataVisor helps financial
institutions and payment providers
prevent fraud and financial crime
in real time by combining machine
learning, graph analysis, regulatory
reporting, case management,
and embedded AI agents in one
unified platform across cards, ACH,
RTP, P2P, wallets, and other digital
payment flows.
</p>
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Pagos AI & MCP Server: Conversational Access to investigate Verified Payments Data
Company name (will be published)
Pagos
Logo (will be published)
Entry Description (will be published)
<p>Pagos AI and the Pagos MCP
Server bring conversational
access to Pagos’s payments
intelligence. Payment teams
ask plain-language questions
to investigate performance in
Pagos, or connect MCP to Claude,
ChatGPT, or Gemini. Complex
payments questions get answered
without dashboards or expertise,
like having world-class payments
experts on call 24/7.</p>
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4
Best Benefits or Loyalty Scheme
Breaking Through: Citi’s Premium Card Reentry
Company name (will be published)
Citi
Logo (will be published)
Entry Description (will be published)
<p>Citi Strata Elite reimagines
premium rewards by combining
one of the market’s highest earn
rates with a simpler, more flexible
customer experience. Purpose built
around how consumers travel, dine,
and live today, the card introduces
innovative rewards, premium
benefits, and differentiated
experiences that raise the bar for
modern payments.</p>
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Chime Card: Fee-Free Premium Rewards for Everyday Americans
Company name (will be published)
Chime
Logo (will be published)
Entry Description (will be published)
Chime Card makes fee-free banking with Chime even more rewarding. With no annual fee, no credit check, and no minimum deposit, Chime members can safely build their credit while also earning 2% cash back on rotating categories for Chime Plus members, and 5% cash back through Chime Prime.
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Debit Plus: Reinventing Debit Loyalty for America's Largest Credit Union
Company name (will be published)
Navy Federal Credit Union
Logo (will be published)
Entry Description (will be published)
<p>Debit Plus is Navy Federal Credit
Union’s first-of-its-kind debit loyalty
program. It recognizes members
who consistently choose their
NFCU Visa debit card, averaging
90+ eligible monthly transactions
over four consecutive months, with
premium card design, curated
experiences, merchant-funded
offers, and enhanced protections
that go far beyond points or
cashback.
</p>
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Engage People: Transforming Loyalty into Real-Time Financial Value
Company name (will be published)
Engage People
Logo (will be published)
Entry Description (will be published)
<p>Engage People’s Access Plus
and Engage AI solutions
bridge the gap between static
loyalty programs and real-time
commerce, enabling consumers
to use rewards as instant payment
currency and manage accounts
through intuitive, conversational AI
experiences.</p>
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3
Best Credit Card or Credit Facility
Breaking Through: Citi’s Premium Card Reentry
Company name (will be published)
Citi
Logo (will be published)
Entry Description (will be published)
Citi Strata Elite reimagines premium rewards by combining one of the market’s highest earn rates with a simpler, more flexible customer experience. Purpose built around how consumers travel, dine, and live today, the card introduces innovative rewards, premium benefits, and differentiated experiences that raise the bar for modern payments.
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Chime Card: Fee-Free Premium Rewards for Everyday Americans
Company name (will be published)
Chime
Logo (will be published)
Entry Description (will be published)
<p>Chime Card makes fee-free
banking with Chime even more
rewarding. With no annual fee,
no credit check, and no minimum
deposit, Chime members can
safely build their credit while
also earning 2% cash back on
rotating categories for Chime
Plus members, and 5% cash back
through Chime Prime </p>
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Gemini Bitcoin Credit Card
Company name (will be published)
Gemini
Logo (will be published)
Entry Description (will be published)
<p>The Gemini Bitcoin Credit Card,
issued by WebBank, transformed
a credit card into a celebration
of Bitcoin culture. Featuring a
distinctive physical and digital
card design, it allows cardholders
to earn instant Bitcoin rewards
on every purchase, combining
innovative design with a uniquely
crypto-native customer experience.
</p>
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3
Best Cross-Border Payments Initiative
DMaple: Modern Cross-Border Payments for International Businesses
Company name (will be published)
DMaple
Logo (will be published)
Entry Description (will be published)
<p>DMaple is a Canadian payment
platform that helps businesses
manage global payouts using
stablecoin infrastructure. The
platform enables faster, more
transparent, and cost-efficient
cross-border payments with
recipient verification, payment
tracking, and accounting-ready
reporting.</p>
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Remitly: Real-Time, Multi-Rail Cross-Border Payments and an All-in-One Financial Platform
Company name (will be published)
Remitly
Logo (will be published)
Entry Description (will be published)
<p>Remitly moves money to 170+
countries through a proprietary,
real-time network: 254 million
transfers a year (~$86B run-rate).
Customers get choice on both
sides: fund by card, bank, or
wallet, and pay out to bank, cash,
or mobile, making cross-border
money movement instant, lowcost, and convenient for immigrant
communities.</p>
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Velocity: The Start-up Rebuilding Cross-Border Settlement and Treasury with Regulated Stablecoins
Company name (will be published)
Velocity
Logo (will be published)
Entry Description (will be published)
Velocity, founded by ex-Worldpay leadership and backed by Dragonfly, FirstMark, QED, Capital One Ventures, Ripple and Coinbase Ventures, has built regulated stablecoin settlement infrastructure that closes the gap between card authorization and settlement, funding merchants in minutes, eliminating prefunding and cutting cross-border FX costs by up to 65%.
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4
Best Customer Service
AcceptIQ by FlexFactor: Protecting the Critical Moment Customers Choose to Buy
Company name (will be published)
FlexFactor
Logo (will be published)
Entry Description (will be published)
FlexFactor protects the most critical moment in the customer journey: when a consumer is ready to buy. AcceptIQ identifies and reverses eligible false declines before the incorrect rejection becomes visible, preserving the purchase, customer experience, acquisition investment, loyalty, and lifetime value without retries, added friction, or customer awareness.
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Deluxe Merchant Services - Customer Care
Company name (will be published)
Deluxe
Logo (will be published)
Entry Description (will be published)
Deluxe Merchant Services’ award-winning customer care is achieved through expert support, innovative technology, and a dedication to continuous improvement. Its U.S.-based support team operates 24/7 via phone, email, and chat, maintaining an industry-leading average tenure of 36 months among front-line agents. On average, the team fields approximately 15,000 per month.
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Ecrypt: Combining AI and Human Support for the Best Customer Experience
Company name (will be published)
Ecrypt
Logo (will be published)
Entry Description (will be published)
Ecrypt delivers customer service as a strategic differentiator, combining concierge-level human support with AI-assisted operational intelligence to help merchants and partners resolve payment, compliance, and technical issues faster, more accurately, and with greater confidence than traditional processor support models.
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Global Customer Delivery & Care Transformation
Company name (will be published)
Mastercard
Logo (will be published)
Entry Description (will be published)
Mastercard’s Customer Care Transformation has reimagined customer service through AI, automation, customer intelligence, and operational excellence. By modernizing technology, strengthening governance, introducing data-driven decision making, and creating proactive customer insight capabilities, the program has delivered significant improvements in customer satisfaction, operational efficiency, employee engagement, and business performance.
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3
Best Early-Stage or Future Payments Initiative
AcceptIQ by FlexFactor: The Missing Real-Time Decline Decisioning Layer in Payments
Company name (will be published)
FlexFactor
Logo (will be published)
Entry Description (will be published)
FlexFactor has created a new category in payments: real-time decline decisioning during the authorization moment. Its AI-native AcceptIQ platform identifies, evaluates, and reverses eligible false declines before they become visible failures, protecting legitimate transactions, merchant economics, and the customer experience while establishing a new performance layer for the payments stack.
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SafeToBuy – Fraud Prevention at the Moment of Purchase
Company name (will be published)
CPI in partnership with Karta
Logo (will be published)
Entry Description (will be published)
SafeToBuy is a next-generation prepaid and gift card security platform developed between CPI and Karta. The solution addresses one of retail Prepaid's most persistent challenges: fraud that occurs before a prepaid or gift card is activated or used, through numberless card design and encrypted NFC authentication.
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The Start-up Bringing Established Financial Institutions On-Chain
Company name (will be published)
Velocity
Logo (will be published)
Entry Description (will be published)
Velocity, founded by ex-Worldpay leadership, is bringing America's established financial institutions on-chain: Capital One's first onchain investment, a partnership with Discover, and MVB Bank becoming the first US sponsor bank to support stablecoin funding for Visa Direct payouts, all built on regulated infrastructure spanning four jurisdictions.
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5
Best Industry Innovation
AcceptIQ by FlexFactor: Reinventing Payment Decline Recovery During the Authorization Moment
Company name (will be published)
FlexFactor
Logo (will be published)
Entry Description (will be published)
FlexFactor’s AcceptIQ has reinvented payment decline recovery by introducing real-time decisioning during authorization. Unlike post-failure retries, it identifies and reverses eligible false declines before customers experience a failed payment, protecting merchant revenue and customer relationships through AI-native intelligence, differentiated payment infrastructure, and recovery risk assumption.
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Advancing Agentic Commerce Through Trusted Identity
Company name (will be published)
Cloudflare
Logo (will be published)
Entry Description (will be published)
Cloudflare has been a leading partner in advancing agentic commerce, scaling adoption of Visa's Trusted Agent Protocol and developing industry standards such as Web Bot Auth that enable secure AI agent verification. Through its support of HTTP 402-based payments, Cloudflare is also helping unlock machine-native commerce at internet scale.
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Driving Digital Payment Innovation with PaysafeWallet
Company name (will be published)
Paysafe
Logo (will be published)
Entry Description (will be published)
PaysafeWallet evolves PaysafeCard from a prepaid solution into a full-service digital wallet, enabling seamless movement from cash to digital payments. Integrating IBAN accounts, debit cards, and real-time transactions, it reduces friction, expands financial access, and creates a unified consumer journey for the experience economy.
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Mastercard Threat Intelligence
Company name (will be published)
Mastercard
Logo (will be published)
Entry Description (will be published)
Mastercard Threat Intelligence is the first-ever threat intelligence solution applied to payments at scale. It combines Mastercard’s fraud insights – drawn from billions of data points – and global network visibility with Recorded Future’s cyber threat intelligence to enable fraud and security teams to reduce risk and enhance operational resilience.
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Payments Monitoring and Alerting: Cost Health & BIN Benchmark
Company name (will be published)
Pagos
Logo (will be published)
Entry Description (will be published)
Cost Health and BIN Benchmark are automated alerts inside Pagos's payments monitoring platform, which continuously monitors a merchant's harmonized data across every connected processor and payment method, flagging anomalies and optimization opportunities. These new alerts flag fee/penalty spikes and per-BIN approval-rate decay within days, benchmarked against history and the network.
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5
Best Marketing Campaign
Agent Connect Event
Company name (will be published)
VGS
Logo (will be published)
Entry Description (will be published)
Agent Connect by VGS is a premier gathering of builders, product leaders, and payments innovators advancing the future of agentic commerce. This one-day event fosters collaboration among infrastructure providers, fintechs, and merchants, creating a forum to share insights, discuss solutions, and accelerate the development of next-generation commerce experiences.
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Gemini: Best Marketing Campaign
Company name (will be published)
Gemini
Logo (will be published)
Entry Description (will be published)
The Gemini Bitcoin Credit Card, issued by WebBank, brought its “Earn Bitcoin, Not Points” message to mainstream audiences through high-impact, citywide billboard takeovers, creator partnerships, sponsorships, limited-time offers, and Tesla Cybertruck giveaways.
The campaign generated broad awareness and helped grow the portfolio from 25,000 to more than 150,000 cardholders.
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Go Beyond: Member Giveback
Company name (will be published)
Randolph-Brooks Federal Credit Union
Logo (will be published)
Entry Description (will be published)
Randolph-Brooks Federal Credit Union launched a Q4 promotion featuring 10¢ cash back on Freedom Debit Card purchases and 3% cash back for World Cash Back Cardholders. Marketing targeted both existing and new members through multi-channel messaging to maximize engagement and participation.
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KeyBank B2B Expansion Markets Integrated Payments Campaign
Company name (will be published)
Key Commercial Bank
Logo (will be published)
Entry Description (will be published)
KeyBank used Payments as a strategic growth engine to expand its commercial banking footprint in Chicago and Southern California. Through an integrated campaign spanning thought leadership, sponsorships, events, content, public relations, and local relationship-building, KeyBank turned these emerging markets into meaningful contributors to Payments revenue, pipeline, deposits, and lending growth.
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Transforming SMB Growth Through Data-Driven Paid Media
Company name (will be published)
Paysafe
Logo (will be published)
Entry Description (will be published)
Paysafe transformed its SMB acquisition strategy by shifting from affiliate-heavy reliance to a scalable, data-led paid media ecosystem. Through in-housing, advanced automation, and intelligent channel diversification, the campaign delivered record growth, reduced costs, and significantly improved lead quality and marketing efficiency.
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6
Best Payment Facility
AcceptIQ by FlexFactor: Real-Time Decline Decisioning at the Point of Transaction
Company name (will be published)
FlexFactor
Logo (will be published)
Entry Description (will be published)
FlexFactor’s AcceptIQ is the only AI-powered payment facility that identifies, intercepts, and reverses false declines in real time at the point of transaction – allowing legitimate customers to complete purchases seamlessly before a failed payment, lost sale, or damaging customer experience ever occurs.
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Deluxe Payments Platform
Company name (will be published)
Deluxe
Logo (will be published)
Entry Description (will be published)
Deluxe Payments Platform (DPP) is an omnichannel payment solution that helps businesses accept, manage, and optimize payments. By combining innovative payment technologies, AI-powered assistance, fast access to funds, and award-winning customer support, DPP delivers a seamless, secure, and customer-centric payment experience.
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FlightGuard by Elavon: Real-Time Ticket Suspension and Chargeback Recovery for Airlines
Company name (will be published)
Elavon, a division of U.S. Bank
Logo (will be published)
Entry Description (will be published)
FlightGuard is the Elavon post-transaction payment facility for airline chargebacks, disputes and cardholder claims. Through secure access to airline booking systems, Elavon resolves cardholder claims, defends chargebacks, suspends tickets, cancels vouchers and manages refunds - protecting airline revenue and helping reduce the financial impact and risk of unpaid travel.
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Form3 U.S. Financial Fabric
Company name (will be published)
Form3
Logo (will be published)
Entry Description (will be published)
Form3 Financial Fabric is a cloud-native, API-first payments processing platform that gives banks, fintechs and regulated financial institutions the infrastructure to connect to, process, orchestrate and manage real-time and account-to-account payments across the United States.
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PayMitto - embedded, full stack money movement enablement partner empowering U.S. financial institutions
Company name (will be published)
PayMitto
Logo (will be published)
Entry Description (will be published)
PayMitto lets U.S. banks and credit unions offer account holders international and domestic payments inside their own app. PayMitto manages the technology and runs the program, with regulated services provided through its sponsor banks, so the institution keeps the account holder instead of losing them to a third-party app.
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SWIVEL’s Payment Solutions
Company name (will be published)
SWIVEL, an SWBC company
Logo (will be published)
Entry Description (will be published)
SWIVEL delivers a fully integrated payment facility that enables financial institutions to manage payments, account information and customer interactions across multiple channels, payment rails and core systems through a single platform. Combining real-time posting, automation, security and self-service capabilities, SWIVEL streamlines payment operations while improving customer experiences.
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3
Best POS Solution
AcceptIQ by FlexFactor: Real-Time Decline Decisioning at the Point of Sale
Company name (will be published)
FlexFactor
Logo (will be published)
Entry Description (will be published)
FlexFactor’s AI-powered AcceptIQ platform enhances the point of sale by identifying and reversing eligible false payment declines during the authorization moment. In digital commerce, recovery is seamless and invisible to the consumer; through IGT/Everi, the same real-time decisioning has also been successfully extended into physical point-of-sale environments.
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Genius by Global Payments: A Unified POS Platform at Scale
Company name (will be published)
Global Payments
Logo (will be published)
Entry Description (will be published)
Genius by Global Payments helps retailers, restaurants and service businesses, from single-location operators to large enterprises, replace fragmented POS, payments and operational systems with one unified platform. Introduced in 2025, it streamlines POS operations, reduces complexity, and provides real-time insight, enabling faster checkout, consistent customer experiences, and scalable growth.
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Ingenico: Powering enterprise payment transformation at scale
Company name (will be published)
Ingenico
Logo (will be published)
Entry Description (will be published)
Ingenico delivers secure, consistent and scalable payment experiences across complex retail environments. Combining durable payment terminals, centralised estate management, remote services and customer care, Ingenico’s TETRA enables enterprise merchants to deliver reliable payment experiences at scale across counters, kiosks, drive-through and other POS environments.
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4
Best Prepaid Product or Program
Drop Band
Company name (will be published)
EML Payments
Logo (will be published)
Entry Description (will be published)
Drop Band is a wearable EMV payment wristband — a reloadable, tap-to-pay device managed via app and powered by EML's best-in-class processing (issuing, ControlPay, compliance, settlement). It removes checkout friction across sports, events, hospitality, travel, and loyalty, pairing trusted infrastructure with a branded consumer experience: wear it, tap it, pay
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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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InComm Healthcare's Dual Network Benefit Card
Company name (will be published)
InComm Healthcare
Logo (will be published)
Entry Description (will be published)
The Dual Network Benefit Card was introduced in 2021 and revolutionized the supplemental benefits and rewards industry. DNBC is an innovative pre-paid card solution that helps health plan members easily purchase healthy foods, wellness items, and more. This solution helped eliminate the need to carry multiple benefits cards.
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Netspend
Company name (will be published)
Netspend
Logo (will be published)
Entry Description (will be published)
Netspend created the prepaid category two decades ago. In 24 months, as Amex Serve and PayPal Prepaid exited, we rebuilt it: a ground-up app, a research-based brand platform, and a Cash Back product (3% back, 6% with direct deposit, no credit check). Repositioned around the customer we've always served.
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2
Best Product Design
Drop Band Best in Product
Company name (will be published)
Drop
Logo (will be published)
Entry Description (will be published)
Drop Band delivers payments, identity and access without a screen. Designed by subtraction — no screen, no battery, no GPS, no data on the device — it carries one encrypted token that answers only when tapped. Tokenized EMV contactless on the Mastercard® network. The Drop app holds every permission.
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The Modern business credit card combining patriotic design, crypto rewards, and digital convenience.
Company name (will be published)
Gemini
Logo (will be published)
Entry Description (will be published)
The Gemini American Business Credit Card, issued by WebBank, pairs a confident, forward-looking patriotic design with a modern experience for small-business owners. Its deep navy palette, directional red-and-white stripes, stars, and paper-airplane motif convey trust, ambition, and momentum while distinguishing the card from conventional business products.
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4
Best Security or Anti-Fraud Development
Adaptive Behavioral analytics help Frost Bank detect fraud and reduce false positives
Company name (will be published)
Frost Bank
Logo (will be published)
Entry Description (will be published)
At Frost Bank, we’ve improved protection against payment card fraud by introducing new advanced risk scoring approaches into our fraud management strategy: Visa Deep Authorization and Featurespace Adaptive Behavioral Analytics. Within the first 60 days, fraud capture increased by 35% while false positives reduced by 50%, from 5:1 to 2.5:1.
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Chargebacks911: Stopping Organized Fraud Through Post-Transaction Intelligence and Automation
Company name (will be published)
Chargebacks911
Logo (will be published)
Entry Description (will be published)
Chargebacks911’s Unified Dispute Management System (UDMS) detects and stops fraud others cannot see, after the transaction. By linking dispute data across devices, IPs, emails, and behavior, UDMS exposes organized fraud rings and repeat offenders that authorization-stage tools miss entirely, turning every dispute into fraud intelligence that prevents the next attack.
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Charm Security: The Agentic Workforce for Fraud and Cybercrime
Company name (will be published)
Charm Security
Logo (will be published)
Entry Description (will be published)
Charm Security is redefining fraud prevention with the Agentic AI Workforce. Powered by its Human Vulnerabilities & Exploits (HVE™) model, Charm helps financial institutions understand human manipulation, intervene during scams, accelerate investigations, and move from passive detection to active fraud prevention and resolution.
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Proactive Data Breach ID
Company name (will be published)
Elavon
Logo (will be published)
Entry Description (will be published)
Elavon was the first banking institution to partner with ThreatView by Turaco Labs, proactively identifying 80% of confirmed merchant and partner data compromise cases over 18 months and helping reduce financial and reputational risk for Elavon and its customers.
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5
Best Service to Business
Business Select at RBFCU
Company name (will be published)
Randolph-Brooks Federal Credit Union (RBFCU)
Logo (will be published)
Entry Description (will be published)
The RBFCU Business Select Mastercard earns unlimited 2% cash-back rewards on every purchase, every time, and the rewards never expire - with no annual fee. Cardholders enjoy extra benefits like time-saving business-management tools, digital card management and peace of mind knowing they’re protected from identity theft and fraudulent purchases.
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Customer Care Performance Team (CCPT)
Company name (will be published)
Mastercard
Logo (will be published)
Entry Description (will be published)
Mastercard’s Customer Care redesigned servicing by transforming operational efficiencies into customer value. Through specialist capabilities in incident recovery, customer insights, operational intelligence, and prevention, the redesign reduced customer effort, improved coordination during incidents, strengthened resilience, and created a continuous improvement model that benefits customers, employees, and the business.
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Deluxe Merchant Services
Company name (will be published)
Deluxe
Logo (will be published)
Entry Description (will be published)
Deluxe Merchant Services helps businesses simplify payment operations, improve cash flow, and operate more efficiently through Deluxe Payments Platform (DPP). Combining innovative technology, intelligent tools, and proactive business support, DPP enables organizations to manage payments more effectively while delivering greater value to their customers.
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Embedded Payments for the Modern Enterprise: Service Excellence Through Advanced Payment Technology
Company name (will be published)
U.S. Bank
Logo (will be published)
Entry Description (will be published)
U.S. Bank Embedded Payments stands apart by combining embedded APIs, FBO virtual accounts, tokenization, verification, real-time payouts, and bank-managed controls in one production-ready model. Unlike stitched-together provider models, it helps clients launch faster, reduce integration complexity, strengthen oversight, and deliver secure, seamless money movement inside platforms customers use daily.
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Ramp: The financial operations platform that helps businesses save time and money
Company name (will be published)
Ramp
Logo (will be published)
Entry Description (will be published)
Ramp is the smart financial infrastructure behind every card swipe, invoice, and reimbursement, streamlining approvals, processing payments, and closing the books automatically. More than 70,000 organizations, from family farms and space startups to the Fortune 100, have saved over $12 billion and 27 million hours with Ramp.
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5
Best Technology Integration
Chargebacks911: One API Connecting Every Dispute Across Every Payment Provider
Company name (will be published)
Chargebacks911
Logo (will be published)
Entry Description (will be published)
UDMS is the world's first Disputes-as-a-Service (DaaS) platform, 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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Mastercard: Cardholder Services and B2C Customer Care – Global Services product transformation & optimization
Company name (will be published)
Mastercard
Logo (will be published)
Entry Description (will be published)
Mastercard's Global Services Optimization and Transformation initiative modernized and integrated servicing technologies, including Global Benefits Platform, Interactive Voice Response, Customer Relationship Management, Customer Relationship Management, telecommunications infrastructure, API integrations, multilingual support, and conversational AI capabilities. The initiative improved servicing consistency strengthened operational effectiveness, enhanced self-service, and enabled future AI-driven servicing.
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One Platform for Embedded, Omnichannel Payment Enablement
Company name (will be published)
Sola Payments
Logo (will be published)
Entry Description (will be published)
Sola Payments provides a unified, configurable payments platform that enables embedded, multichannel payment experiences for merchants and software partners. Through its proprietary gateway and PayFac-as-a-Service capabilities, Sola simplifies integration, accelerates revenue, and supports complex multi-location businesses at scale.
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SinglePoint Modernization: Technology Integration that Simplifies and Strengthens the Client Experience
Company name (will be published)
U.S. Bank
Logo (will be published)
Entry Description (will be published)
SinglePoint is more than a platform refresh; it is a technology-led modernization that differentiates U.S. Bank from portal-only and feature-parity competitors by combining integrated treasury and payments capabilities with measurable proof of client impact. Its signature experience includes improved speed, self-service, stronger controls, scalable architecture and future-ready innovation.
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TNS Payments Market: Continued Innovation, Integration and Interoperability
Company name (will be published)
Transaction Network Services
Logo (will be published)
Entry Description (will be published)
Since 2020, TNS has provided global payment network and financial technology hosted services to support a major global travel-based payments platform. In the past 18 months, new authorization and settlement, database reporting and routing projects have developed enhanced integration, keeping the payments platform’s industry leading global acceptance and payments online.
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5
Changing Lives in the Community
CPI Supports Street Charity® with a Groundbreaking Payment Solution to Combat Hunger
Company name (will be published)
CPI
Logo (will be published)
Entry Description (will be published)
CPI’s solutions help Street Charity® fight hunger with an innovative payment tool at a time when consumers carry less cash and needs surge. $5 Street Charity® Discover® Network Prepaid Cards can be used at fast-food and quick-serve restaurants nationwide allowing recipients the dignity to choose when and what they eat.
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Credit One Bank® Supports Nonprofits with “One For The Community” Program
Company name (will be published)
Credit One Bank
Logo (will be published)
Entry Description (will be published)
In January 2026, Credit One Bank® and Raiders Defensive End Maxx Crosby united to invest $100,000 in local nonprofits through the One For The Community event, celebrating the organizations that strengthen Southern Nevada and creating lasting impact for the individuals and families they serve.
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MAJORITY - Changing Lives in the Community
Company name (will be published)
MAJORITY
Logo (will be published)
Entry Description (will be published)
The MAJORITY Visa® Credit Card, WebBank issued, is transforming financial inclusion by giving immigrants and other underserved communities a trusted pathway to establish U.S. credit. By removing traditional barriers to access, the program empowers newcomers to build financial stability, unlock opportunity, and create stronger futures for themselves and their families.
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Small Business, Big Ambition®
Company name (will be published)
Elavon
Logo (will be published)
Entry Description (will be published)
Small Business, Big Ambition® is a year-round initiative from U.S. Bank and Elavon designed to expand access for small business owners who may face barriers to growth, visibility, or modern payment capabilities.
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Where Goals Begin: Turning Global Soccer Momentum into Opportunity that Endures
Company name (will be published)
Visa, Bank of America and Street Soccer USA
Logo (will be published)
Entry Description (will be published)
Visa, Bank of America, and Street Soccer USA teamed up to create a national footprint of long-term community soccer parks that transform underutilized spaces into vibrant local hubs. Combining infrastructure, community partnerships and year-round programming, the initiative turns global soccer momentum into sustained access, opportunity and measurable community impact.
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5
Financial Inclusion Award
Advancing Financial Inclusion Through eCash Innovation
Company name (will be published)
Paysafe
Logo (will be published)
Entry Description (will be published)
Paysafe’s eCash ecosystem enables consumers to convert cash into digital purchasing power, supporting participation in the global economy without reliance on traditional banking. By bridging physical and digital payments, it advances financial inclusion, promotes secure transactions, and expands access to essential services and opportunities.
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Imagine Credit Card: Expanding Access to Responsible Credit
Company name (will be published)
Atlanticus
Logo (will be published)
Entry Description (will be published)
The Imagine Credit Card, issued by WebBank and serviced by Atlanticus, expands access to responsible credit for consumers often overlooked by traditional lenders. Through data-informed underwriting, customer-focused servicing, and products designed for everyday needs, the program helps customers manage expenses and work toward greater financial stability.
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Merrick Bank: Financial Inclusion — The Heart and Soul of Our Business
Company name (will be published)
Merrick Bank and CardWorks Financial Group
Logo (will be published)
Entry Description (will be published)
Operating primarily in non-prime credit, Merrick Bank is a trusted financial partner that works to treat all consumers, regardless of their financial circumstances, fairly and supports them through every stage of their financial journey—from providing access to credit, to delivering the knowledge, tools and guidance needed to use it.
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Opportunity Knocks: Scaling Financial Inclusion Through National Media, Community Action, and Partnerships
Company name (will be published)
Visa
Logo (will be published)
Entry Description (will be published)
Opportunity Knocks advances financial inclusion through an unscripted television series on the national Public Broadcasting Service platform, which drives viewers to a community-based engagement model using events and technology. By connecting storytelling, trusted financial institutions, and community resources, the program delivers measurable improvements in financial health for underserved families.
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Small Business, Big Ambition ®
Company name (will be published)
Elavon
Logo (will be published)
Entry Description (will be published)
Small Business, Big Ambition ® is a year-round initiative from U.S. Bank and Elavon designed to expand access for small business owners who may face barriers to growth, visibility, or modern payment capabilities.
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Click to view the category finalist brochure 2026!
