Issuu

1 0 T H S E PT E M B E R 2 02 6 H I LTO N LO N D O N C A N A RY W H A R F

Headline Sponsor

The easy way to get paid Founded in 2011, GoCardless is the first global network made for direct bank payments. From start-ups to household names, GoCardless helps over 100k+ businesses collect and send payments through direct debit and open banking. I(-powered solutions ma imise payment success and reduce fraud, with open banking connectivity to over 2,500 banks. Learn more at gocardless.com

At a glance

$130bn+

$130bn+ annualised payments processed

>1 milion

Over one million connected bank accounts

100,000

Serving 100,000 businesses worldwide

30+ markets One solution covering over 30 markets

CONTENTS

e’re delighted that you have chosen to join us at the Smarter Payments Summit – a unique event, tailor-made to meet your individual requirements. We have carefully planned out your itinerary to ensure your time here is worthwhile: Connect with businesses relevant to your current and forthcoming projects in our matchmade one-to-one meetings. And let’s not forget the networking – we’ve created a relaxed environment for you to form new partnerships, with ample opportunities to mix with peers during the buffet lunch and coffee breaks!

4 6 8

Our Partners

Itinerary

‘MOBILE PAYMENTS: Payments as a Trust Layer – Managing chargebacks, disputes and CX in fashion retail’

Seminars

‘MEET THE TEAM: Joe Sammon, Event Sales Manager at the Smarter Payments Summit’

‘MWALLETS MONTH: How UK retailers are preparing for the next wave of digital wallet innovation’

Dates for your Diary

Delegates

Supplier Directory

@forumeventsltd #SmarterPaymentsSummit

@forumevents #forumevents

Smarter Payments Summit

For more information about our event, contact: Joe Sammon- Event Sales Manager on 01992 374095 or j.sammon@forumevents.co.uk Melanija Damarodaite - Delegate Sales Manager on 01992 374073 or m.damarodaite@forumevents.co.uk

Brought to you by

@ForumEventsLtd

Our Partners Headline Sponsor

Our Partners

Partners & Supporters

Itinerary 08.45 - 09.30 Opening Panel ‘A2A Payments: What will it take to become a genuine alternative at scale?’ Andre Mendes (KPMG), Ellie Hewitt (KPMG), TJ Womiloju (N Brown) & Ashish Verma (2xGlobal Group) Meeting Room 3/4/5

09.35 - 10.20 Seminar ‘Life After the Card Number’ Robert Crutchington (Encoded) Meeting Room 3/4/5

10.25 - 13.05 Face to Face Meetings Quayside Suite

10.50 - 11.10 Roundtable 1 ‘Recurring Pay by Bank: Early signals and what’s next’ Carl Radcliffe, Lizzie Baker & Paul Foster Go Cardless Meeting Room 3/4/5

12.20 - 12.40 Roundtable 2 ‘Unleash Your Authentic Voice: The Power of Personal Branding’ Yota Trom (Together in Tech) Meeting Room 3/4/5

13.05 - 13.50 Networking Buffet Lunch Cinnamon Restaurant

13.55 - 14.25 Seminar ‘AI is going shopping. Is your payment stack ready?’ Carl Radcliff (Go Cardless) Meeting Room 3/4/5

15.20 - 15.40 Roundtable 3 “Chargebacks in a Changing Commerce Landscape” Patrick Dowling (JUSTT) Meeting Room 3/4/5

14.30 - 16.55 Face to Face Meetings Quayside Suite

Secure, seamless, PCI-compliant payments in any channel.

MOBILE PAYMENTS: Payments as a Trust Layer – Managing chargebacks, disputes and CX in fashion retail

ayments have become a critical trust layer, shaping how customers perceive the brand long after checkout. With high return rates, seasonal peaks and cross-channel purchasing now the norm, disputes and chargebacks are rising in complexity as well as volume. For omnichannel fashion brands, the challenge is to reduce friction and protect margins without undermining customer loyalty… Fashion’s unique dispute profile Few sectors experience the same combination of high return frequency, fit-related dissatisfaction and impulse purchasing. Add to that click-and-collect, in-store returns for online purchases, and international shipping, and the potential for misunderstandings (and disputes) increases. Chargebacks are no longer driven solely by fraud. In many cases, they stem from: • “Item not received” claims linked to doorstep delivery issues • Unclear return processing timelines • Customers using chargebacks as a shortcut to refunds • Subscription or recurring payment confusion For fashion retailers operating at scale, even small percentage increases in disputes can significantly erode margin.

The post-purchase journey is the new battleground

Protecting margin without alienating customers

Leading fashion brands are treating the post-purchase journey as a strategic CX moment, not an afterthought. Clear, proactive communication reduces uncertainty, and uncertainty is often what drives disputes. Best practice includes: • Real-time delivery tracking with visible proof-of-delivery • Transparent returns timelines and status updates • Immediate confirmation when refunds are processed • Clear contact pathways before a chargeback becomes a dispute When customers feel informed, they are less likely to escalate prematurely.

The key tension is balancing protection with trust. Overly aggressive fraud controls or rigid returns policies can increase friction and push customers toward competitors.

Linking payments and customer service Historically, payments and customer service have operated in silos. In an omnichannel world, that separation no longer works. Fashion retailers are increasingly integrating dispute data with CRM and order history, allowing service agents to see the full picture before responding. This improves resolution speed and reduces defensive interactions. It also helps identify repeat dispute patterns — distinguishing between genuine customer friction and firstparty abuse.

Instead, high-performing brands use risk-based approaches: applying stronger verification for high-risk transactions or serial disputers, while keeping the experience seamless for trusted customers. Payments as part of brand experience In fashion, brand equity is everything. A poorly handled refund or unresolved dispute can undo the impact of marketing and product investment. By viewing payments, disputes and chargebacks as part of the customer experience, rather than purely financial processes, omnichannel retailers can reduce losses while strengthening loyalty. Payments are not just about authorisation. They are about reassurance, and reassurance builds trust. Scan or click here to subscribe to the eCommerce & Payments Briefing newsletter

AI makes it easier to fake an invoice. Autonomous AP makes that easier to stop.

medius.com

Seminars Thursday 10th September 08.45 – 09.30

“A2A Payments: What will it take to become a genuine alternative at scale?” • • • • •

Policy moment / consultation context Consumer proposition Merchant proposition Ecosystem proposition Closing call to action

Andre Mendes is an experienced manager at KPMG’s Payments Regulatory practice. Andre has advised entities from both public and private sectors with the design and response to regulatory frameworks concerning the provision of payment services. His experience includes advising central banks, leading industry bodies and payment service providers in respect of payments regulatory compliance.

Andre Mendes Manager Payments Regulatory Practice KPMG Ellie Hewitt Director Payments Consulting Practice KPMG

Ellie Hewitt is a Director in KPMG’s Payments Consulting practice. She heads our European payments strategy, commercialisation and product teams, as well as KPMG’s open banking and open finance propositions. Ellie has extensive experience in payments product innovation, strategy, use case design, M&A activity, and running large transformation programmes. TJ Womiloju is a payment and product management leader with deep expertise in payment acceptance, real-time payment systems, and open banking. With extensive experience launching and scaling products across the UK and EMEA, TJ brings strong leadership in financial services and payments strategy, focused on driving growth, adoption, and customer-centric innovation.

Ashish Verma Managing Director 2xGlobal Group

Ashish Verma is Managing Director for the Global Finance and Operations at 2X Global, where he works alongside the Chief Executive on financial strength, operational effectiveness and people strategy. He also sits on the board of the 2X Ignite Private Equity Fund, an impact investment vehicle. An ACA-qualified finance leader with more than fifteen years in senior roles across the UK, Europe, Asia and the Middle East, he was previously Chief Financial Officer for an Asian Conglomerate. He brings a buyer’s perspective to payments: what a rail costs to adopt, where the risk sits, and what has to be true before a finance function changes how it moves money.”

09.35 – 10.20

“Life After the Card Number”

TJ Womiloju Payment Strategy Manager N Brown

Fraud, tokens, passkeys and the race to phase out the card number — and what it means for everyone who still pays by phone. • • • • •

The card number’s final years How the schemes are really fighting fraud The edge cases that won’t disappear What it means for you Staying safe and future-ready

Robert Crutchington is co-founder and CEO of Encoded, a UK payment service provider and orchestration platform delivering secure payment solutions across contact centre and e-commerce channels. A published author on card data security and a recognised voice in UK payments, he leads the company’s strategy, direction and growth.

Robert Crutchington Co-founder & CEO Encoded

Seminars Thursday 10th September 10.50 – 11.10

Roundtable 1 – “Recurring Pay by Bank: Early signals and what’s next” UKPI’s commercial VRP scheme went live in June 2026, with Wave 1 deliberately narrow - regulated utilities, financial services, government, charities and rail - while the real test, general e-commerce, doesn’t land until later next year. With only a few months of live running behind us, this roundtable asks what the early signals are telling us, what’s working, what isn’t, and what needs to change before Recurring Pay by Bank can compete at scale. Key discussion threads: • • •

Has early adoption within Wave 1 sectors (utilities, financial services, government, charities, rail) matched expectations? As coverage expands into broader retail, what needs to happen? Will cVRP ever displace cards? Where are the gaps, and what needs to happen to close them?

Carl Radcliffe Director of Product Lizzie Baker Product Marketing Manager Paul Foster Director, Global Payments Partnerships, GoCardless

12.20 – 12.40

Roundtable 2 - “Unleash Your Authentic Voice: The Power of Personal Branding” You don’t need to be loud to stand out. This keynote helps you define your personal brand, uncover what makes you unique, communicate your story with confidence, and build visibility, credibility, and opportunities authentically. • • • • •

Yota Trom AI Transformation & Leadership Coach Together in Tech

What personal branding is and why it matters Identifying your unique strengths and value Defining how you want to be known and remembered Communicating your story with confidence and authenticity Building visibility and opportunities without being self-promotional

Yota Trom is a founder and coach working on the human side of tech. She started as a software engineer, built her career through leadership roles at Yahoo and Amazon, and now works with senior teams and leaders inside companies including OpenAI, Google, Microsoft, Meta, Siemens, and the Bank of England, helping them lead through AI transformation, focusing on the part that’s hardest to get right: the people. Yota holds an MSc in Applied Positive Psychology and is an ICF accredited coach. She also sits on the advisory board of UCL’s School of Management, and serves as a UK representative to the UN Commission on the Status of Women.i

Seminars Thursday 10th September 13.55 – 14.25

“AI is going shopping. Is your payment stack ready?” AI isn’t just helping your customers decide what to buy, it’s starting to buy things for them. As humans get further away from the transaction, is a card, built for in-person transactions, really the best option? Drawing on GoCardless’s own UK merchant and payer research and our place in the FCA’s AI Live Testing programme, this keynote sets out why account-to-account (A2A) payments, with structured delegation and human-in-the-loop controls, are the infrastructure actually built for this shift, and what “agent ready” should mean for your payment stack.

Carl Radcliff Director of Product GoCardless

15.20 - 15.40

Roundtable 3 – “Chargebacks in a Changing Commerce Landscape” (Help payments leaders discuss how recent changes in commerce, customer behavior, payment methods, fraud tactics, AI, and emerging agentic commerce models are affecting — or could soon affect — chargebacks, dispute operations, and revenue recovery Patrick Dowling is passionate about the future of payments and helping clients navigate the evolving world of chargebacks, fraud, and revenue protection. At Justt, he works with leading enterprise organizations across EMEA to explore how AI and automation are transforming dispute management and operational resilience. Patrick enjoys bringing together industry insights, customer perspectives, and emerging trends to help payments leaders think differently about protecting revenue while creating better customer experiences. Based in London, he is an advocate for innovation, collaboration, and advancing the conversation around the future of commerce and the payments ecosystem.

Patrick Dowling Team Leader, EMEA JUSTT

MWALLETS MONTH: How UK retailers are preparing for the next wave of digital wallet innovation

obile wallets have already become a mainstream part of the UK e-commerce experience, but for many retailers at the eCommerce Forum the conversation is now shifting beyond payment convenience towards broader digital commerce ecosystems… While Apple Pay, Google Pay and PayPal remain dominant players, the next phase of mWallet innovation is expected to bring together payments, loyalty, digital identity and personalised customer engagement within a single experience. For e-commerce leaders, this presents both major opportunities and significant strategic challenges. One of the biggest trends shaping the market is the convergence of payments and loyalty functionality. Increasingly, retailers are looking for wallet experiences that can automatically apply rewards, discounts and personalised offers during checkout, helping reduce friction while improving customer retention. This is particularly important as customer acquisition costs continue to rise across UK e-commerce. Retailers are under growing pressure to maximise lifetime value and encourage repeat purchasing, rather than focusing solely on one-off transaction conversion. Open banking is also expected to influence the next generation of wallet innovation. Accountto-account payment capabilities could help retailers reduce reliance

on traditional card schemes and potentially lower transaction costs, while still delivering streamlined mobile-first experiences for consumers. At the same time, social commerce and embedded purchasing are reshaping where transactions take place. Customers increasingly expect to move seamlessly from discovery to purchase within social media apps, streaming platforms and digital marketplaces. This is creating demand for wallet technologies capable of supporting fast, low-friction transactions across multiple environments. However, future-proofing payment strategies is becoming increasingly complex. Many retailers are already managing multiple payment providers, fraud systems, loyalty platforms and e-commerce integrations. Introducing additional wallet functionality without creating operational fragmentation is a growing challenge. Legacy infrastructure remains a particular issue for larger retailers. Older payment architectures may struggle to support newer APIs, tokenisation requirements or real-time data flows needed for advanced wallet experiences. As a result, many organisations are reassessing the flexibility and scalability of their payment ecosystems. Security and governance considerations are also evolving alongside innovation. While tokenisation and biometric

authentication can strengthen payment security, retailers must still manage risks around account takeover fraud, compliance requirements and data privacy obligations. For many e-commerce leaders, this means supplier selection is becoming as important as the technology itself. Retailers are increasingly prioritising partners that can demonstrate: • strong API interoperability; • scalability across channels and international markets; • clear fraud prevention capabilities; • robust analytics and reporting tools; and • transparent product roadmaps aligned to emerging payment trends. The ability to adapt quickly may ultimately become one of the biggest competitive differentiators. Consumer payment expectations continue to evolve rapidly, particularly among younger demographics accustomed to instant, mobile-first experiences. Looking ahead, the most successful retailers are unlikely to view mWallets purely as payment tools. Instead, they are increasingly becoming central components of broader customer engagement, loyalty and digital commerce strategies. For UK e-commerce businesses, the challenge now is how to build flexible payment ecosystems capable of evolving alongside the next generation of digital consumer behaviour.

Delegates

2X Global Group

Managing Director

Afentra

Finance Manager

Aldermore

Senior Product Manager

Amazon

Product Manager

Ammeraal Beltech

Financial Controller

Bank Of America

Director - Payments Technology AI Enablement Lead

BBC Worldwide

Finance Director

CTO

BT / EE

Payments Product Manager

BT Group

Payments Product Lead

Capital Fireplaces Ltd

Finance Director

Capital Hire Management

Director of Operations, Payments & CX

Christies

Head of Accounts Payable and Client Payments

Cos

Product Manager

EG On The Move

Payment Specialist

El&N London

UK Director

Entain

Head of Payment Processing Governance

EQI bank

Head of Payments

Estée Lauder Companies

EMEA E-Commerce Operations Lead

Farfetch

Senior Treasury Manager Director Treasury

HeliosX

Payments Lead

HX Expeditions

Group Treasury Director

JPMorgan Chase & Co.

Executive Director - Senior Principal Architect

LaunchGood

Payments Specialist

LBS

Finance Director

LVMH

Financial Controller

N Brown Group

Payment Strategy Manager

Network Rail

Solutions Architect Consulting

Delegates

Octopus Energy

Finance Transactional Manager

Pennard Practice LTD

Assistant Accountant

Pennard Vets

CFO

Plan International

Head of Treasury

Segen Global

Head of Solar Financing and Payments EMEA

Smart Eco Homes Systems

CFO

The Whisky Exchange

Technology Director Finance Director

Tombola

Head of Product

Vision Arch

Finance Director

VMO2/ISS

Payment Specialist Payment Specialist

Which?

Payment Specialist

Young Living Essential Oils

Treasury Specialist

Your Golf Travel

Finance Manager

MEET THE TEAM: Joe Sammon, Event Sales Manager at the Smarter Payments Summit

s Event Sales Manager for the Smarter Payments Summit, Joe Sammon works closely with technology providers, consultants and specialist suppliers looking to connect with senior decision-makers across the payments sector. In this Meet the Team Q&A, Joe discusses the trends shaping the smarter payments industry, the solutions currently attracting buyer interest and how suppliers can make the most of the Summit’s focused oneto-one meeting format… How long have you worked with Forum Events? I have been with Forum Events for three great months and have really enjoyed getting to know the team, the Summit format and the suppliers operating across the smarter payments sector. What are the key trends in the smarter payments industry right now? One of the most significant trends is the growing use of agentic AI and AI-powered payment routing. Payments businesses are looking at how artificial intelligence can help automate decision-making, improve transaction routing and create faster, more efficient payment journeys. Fraud prevention also remains a major priority. As payment technology becomes more sophisticated, organisations need to strengthen their ability to identify suspicious transactions and protect both businesses and customers. Embedded finance is another important area of development, as more companies integrate payment, lending and other financial services directly into their existing platforms and customer experiences. What products and services are smarter payments professionals looking for in the year ahead? The biggest themes we are currently seeing include AI automation, B2B payment services and open banking. Payments professionals are looking for solutions that can reduce manual

processes, improve operational efficiency and create a more connected experience across payment systems. There is also strong interest in technologies that support secure B2B transactions, faster settlement and more effective financial-data sharing. Tell us about the Smarter Payments Summit format and its benefits for industry suppliers. The Smarter Payments Summit is a highly targeted, invitation-only event that brings together senior payments decision-makers with carefully selected solution providers for a day of pre-arranged business meetings. Unlike exhibitions, where suppliers often depend on passing footfall, or conferences where networking may be limited to breaks between sessions, each supplier receives a personalised schedule of one-toone meetings. These meetings are arranged with buyers who have already expressed an interest in relevant products or services. The key benefits for suppliers include: • Guaranteed meetings with qualified decision-makers •

Opportunities to identify active projects and genuine buying intent

•

A streamlined day focused on relevant commercial conversations

•

Support with introductions and follow-up activity after the event

The format gives suppliers the opportunity to spend more time having meaningful conversations and less time trying to identify the right people in a busy exhibition hall. How do you work with industry suppliers in the lead-up to the Summit? We work closely with suppliers to understand the industries, job roles

and organisations they most want to engage with. This allows us to actively target suitable companies and ensure the meetings taking place at the Summit are as relevant as possible. Suppliers receive regular updates on the delegate list in the lead-up to the event, and I am always available to answer questions or help them prepare. We also provide a range of marketing opportunities through our media channels. These can include editorial newsletters, dedicated HTML campaigns and LinkedIn activity, helping suppliers showcase their brands and solutions to our network of more than 28,000 payments professionals. What tips would you give suppliers to help them maximise their time at the Summit? The most important advice is to keep an open mind about every meeting. A short company profile may not reveal the full extent of the organisation’s requirements or future plans. Suppliers should research the companies they are meeting and consider how their proposition may relate to each organisation. However, the conversation should not feel over-scripted. Asking openended questions can often be the best way to understand the buyer’s challenges, priorities and current projects. Suppliers should also make good use of the networking breaks, which provide another opportunity to continue conversations and build relationships beyond the formal meeting schedule.

MASTER YOUR PAYMENTS. SCALE YOUR BUSINESS. Smarter payment solutions for modern businesses. Accept, process, and grow - anywhere in the world

Global acquiring & issuing Multi-currency processing Fast, secure payouts

LET'S TALK PAYMENTS SCAN TO CONNECT

Dates for your Diary

9th November 2026

10th November 2026

Scan or click here for our website:

Hilton London Canary Wharf

4th February 2027

Hilton London Canary Wharf

10th March 2027

Hilton London Canary Wharf

Scan or click here for our website:

SHARE YOUR TIME AT OUR EVENT ON SOCIAL MEDIA! #SmarterPaymentsSummit @forumeventsltd

0 1 2

@forumevents Forum Events & Media Group

01 12 02

ALSO LET

KNOW YOUR EXPERIENCE! 012 3

Supplier Directory Adyen UK 07868 503 547 / george.joyce@adyen.com / adyen.com Adyen is the financial technology platform that accelerates growth for enterprises, by offering end-to-end payments and financial services in a single global solution. The Adyen name means ‘start over’. Which sums us up as a company. We’re technologists, unafraid to launch fast and iterate. In fact, we’ve been doing exactly that since 2006. Back then payments were fragmented, complex, and not suited to the needs of modern businesses. Our founders realized that the only way to fix it was to start over, building a single platform from the ground up. Today, we’re a global team of +4000 people, representing +90 nationalities, across 27 offices around the world. Together, we build technology that helps the world’s leading brands manage their finances, reduce complexity, and supercharge their growth.

allpay Limited 0330 1359 514 / accountmanagers@allpay.net / allpay.net As a business we pride ourselves on making payments easy. We stand as a leading payments specialist in the UK, facilitating the seamless collection and distribution of funds between organisations and their customers. Established in 1994, processing over £9.4 billion annually for over 900 public and private sector entities. We process 66.4 million transactions annually, offering a comprehensive bill payment solution that encompasses all major payment methods. Our commitment to innovation has led us to pioneer the introduction of Prepaid Cards within the Public Sector. From card design to printing and fulfilment, all aspects are handled by our dedicated team. We are proud to serve over 500 Housing Associations and ALMOs, and nearly 60% of all UK Local Authorities choosing allpay for their bill payment services. We adhere to the highest standards of PCI DSS compliance, hold various ISO certifications, maintain Bacs-approved Bureau status, and boast accreditations from Mastercard and Visa

American Express 07438 441 859 / Anna.g.holt@aexp.com / go.amex/pwbt American Express is driving innovation in payments and Pay with Bank transfer (PwBt) reflects our commitment to delivering choice for UK consumers and businesses through new ways to pay. Leveraging Open Banking, PwBt is another way American Express offers digital-first solutions to customers. PwBt is a secure debit (non-card) payment method that lets consumers pay via a direct transfer from their bank account, whether they are an American Express Cardmember, or not.

Bankhawk 07947 784 349 / steve.glover@bankhawk.com / bankhawk.com A recent Bankhawk survey found interchange and scheme fee opacity is merchants’ single biggest payments pain point. It’s also costing them more than they know. Bankhawk helps large merchants take back control of both payment costs and payment performance. Our new HawkIQ platform connects data from every PSP and acquirer you use into a single, independent intelligence layer. You get the ability to see, verify, and act on your true cost of acceptance, interchange, scheme fees, acquiring and gateway charges, FX, alongside your approval rates and recoverable declines. For most enterprise merchants, that picture is fragmented across multiple dashboards, none of them independent. So the question stays unanswered: are you paying what you should, and converting every sale you should? HawkIQ answers both. The result: seven-figure P&L improvement for large merchants, identified within weeks. We look forward to meeting you at the Smarter Payment Summit.

DECTA 07484 022 868 / anna.bykova@decta.com / decta.com DECTA is a global payment technology provider offering comprehensive solutions, including acquiring, issuing, processing and a white-label gateway, alongside a digital banking platform. DECTA serves merchants, banks, PSPs, and fintechs, delivering tailored, accessible and flexible payment services. Operating through offices across Europe (Ireland, Cyprus, UK, Latvia), DECTA empowers businesses to innovate and scale. DECTA’s platform is fully authorised with direct Mastercard and Visa licenses, UnionPay International certification, and integrates with numerous global and local payment methods. Choose DECTA for fast, reliable and customisable payment solutions that grow with your business.

Ecommpay 07759 831 478 / ghalter@ecommpay.com / ecommpay.com At Ecommpay, we’re all about making online payments smooth and seamless for businesses ready to grow. We’re not just a provider – we’re your trusted partner, here to keep your payments flowing effortlessly and help you get the most out of every transaction. Our payment gateway brings together direct acquiring capabilities, 100+ alternative payment methods, open banking, and Direct Debits, all through a single integration. Plus, our team of experts is always here to support you and help your business thrive.

Encoded Ltd 07824 384 995 / r.crutchington@encoded.co.uk / encoded.co.uk Encoded is a UK-based fintech specialising in white-label payment gateway and orchestration technology for businesses that want full control of their payments proposition without the cost or complexity of building it themselves. Through its highly configurable platform, Encoded Ltd enables partners to launch branded payment solutions that sit at the heart of their commercial offering, while Encoded manages the underlying infrastructure, security and compliance. A core strength of the platform is payment orchestration, allowing merchants and partners to route transactions intelligently across multiple acquirers, payment methods and geographies. This improves authorisation rates, resilience and cost efficiency, while future-proofing the payments stack as markets and customer preferences evolve. Encoded works closely with global development partners, including Visa, Apple and Google, delivering modern payment experiences such as network tokenisation, digital wallets and emerging checkout standards. Together, this positions Encoded as a flexible, enterprise-grade payments engine powering scalable growth for ambitious platforms worldwide.

EPAM Systems 07973 468 238 / michael_nelhams@epam.com / epam.com EPAM (NYSE:EPAM) is a global leader in AI transformation engineering and integrated consulting, serving Forbes Global 2000 companies and ambitious startups. With over thirty years of expertise in custom software, product and platform engineering, EPAM empowers organizations to become AI-native enterprises, driving measurable value from innovation and digital investments. Recognized by industry benchmarks and leading analysts as a leader in AI, EPAM delivers globally while engaging locally, making the future real for clients, partners and employees. We are proud to be recognized by Forbes, Glassdoor, Newsweek, Time Magazine, Great Place to Work and kununu as a Most Loved Workplace around the world. Learn more at www.epam.com and follow us on Linkedin

Exactly.com 01727 884 600 / exactly.com Exactly.com is a payment provider built for e-commerce businesses with big plans and no patience for overpaying to accept payments. UK card processing from 0.7% + £0.08 per transaction, with no monthly fees or hidden costs. On average, our clients reduce payment processing costs by 27% compared to their previous payment provider. If you’re scaling and your payment costs are scaling too, something is broken. Because most fintech providers weren’t built for you. × High fees disguised as “pricing tiers” × Rigid contracts × Support that ignores your requests We do things differently. From Visa and Mastercard to ApplePay, GooglePay, Open Banking, and local methods, everything you need in one place, without friction. • Lower fees that can actually beat your current provider • No hidden costs, no monthly fees, no surprise charges • Flexible rolling reserves and settlements on your terms • Real human support, no chatbots, no loops Let’s meet.

GoCardless 01992 374 082 / zbostan@gocardless.com / gocardless.com GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK, with additional offices in Australia, France, Ireland, Latvia and the United States. For more information, please visit www.gocardless.com and follow us on LinkedIn @GoCardless.

Justt.ai 07386 852 562 / mickey@justt.ai / justt.ai Justt is an AI-native platform for chargeback automation and payment dispute management. Backed by $100M in funding and trusted by 250+ global enterprise merchants, and more than 80,000 SMBs, Justt helps businesses recover more revenue lost from chargebacks by tailoring evidence at scale, optimizing results through A/B testing, and scaling domain expertise into the core of the Justt solution.

Marqeta 07508 904 349 / sreza@marqeta.com / marqeta.com Marqeta makes it possible for companies to build and embed financial services into their branded experience—and unlock new ways to grow their business and delight users. The Marqeta platform puts businesses in control of building financial solutions, enabling them to turn real-time data into personalized, optimized solutions for everything from consumer loyalty to capital efficiency. With compliance and security built-in, Marqeta’s platform has been proven at scale, processing nearly $300 billion in annual payments volume in 2024. Marqeta is certified to operate in more than 40 countries worldwide.

MEDIUS 0161 367 8375 / ons.ammam@medius.com / medius.com Medius AP management software replaces the work and worry of invoices with AI and automation. Medius goes far beyond basic automation by using artificial intelligence to do the work – so invoices get coded, approved and paid, and your business can trust your budgets and forecasts without the fear of potential fraud. And you won’t have to worry about implementation and ongoing administration costs, because you’ll start seeing the value immediately and the innovation won’t stop. To learn more, visit medius.com.

Stripe Payments UK Ltd 07954 180 320 / jmanson@stripe.com / stripe.com/gb Stripe is a financial infrastructure platform that helps businesses of all sizes start, run, and grow. From ambitious startups to many of the world’s largest companies, businesses use Stripe’s technology to accept payments, manage subscriptions and recurring revenue, send payouts, prevent fraud, and expand into new markets. Our products are designed to make complex financial services easier to access, enabling companies to focus on building great products and serving their customers. Stripe combines flexible developer tools with powerful, reliable infrastructure, helping businesses create seamless customer experiences across online and in-person channels. Founded in 2010, Stripe operates globally and supports businesses across a wide range of industries, including retail, travel, software, marketplaces, professional services, and the creator economy. Our mission is to increase the GDP of the internet by making it simpler for more people to participate in the global economy, build new businesses, and scale their ambitions with greater confidence at every stage.

Super Payments 01992 374 095 / superpayments.com Super Payments is the payments suite built to boost revenue and eliminate fees. Super facilitates payments at 0% processing fees, whilst offering shoppers a more rewarding way to pay. Whether taking payments online or in person, the same 0% added fees applies across all major methods including cards, pay later, open banking and terminal payments. With next day settlements as standard.

SurePay 07480 110 489 / dan.horlor@surepay.nl / surepay.nl Founded in 2016, SurePay is the leading account verification and fraud risk intelligence platform. Relied upon by over 250 banks and 20,000 organizations in 16 countries, processing more than 20 million payment checks every day, we verify who is really on the receiving end of a payment, surface the risk signals no single institution can see alone, and make sure every payment reaches the right recipient, first time. Our vision: a world where financial crime has nowhere to hide before a payment is made. Headquartered in the Netherlands, SurePay operates national verification schemes in the Netherlands, the UK, Belgium, Denmark, and Ireland, with offices in the United Kingdom, the United States, and Canada.

Sycurio 07785 950 773 / salil.thanvi@sycurio.com / sycurio.com Sycurio helps organizations take secure, frictionless payments wherever their customers choose to engage. As a PCI DSS Level 1 Service Provider, we enable compliant payment experiences across voice, IVA/IVR, webchat, chatbots, SMS, virtual agents, email, social media, mobile, and other digital channels, ensuring sensitive payment data never touches your systems or agents. Built to be technology agnostic, Sycurio integrates seamlessly with leading contact center platforms, CRMs, telephony environments, payment gateways, and processors, allowing organizations to enhance security without costly infrastructure changes or disruptive rip-and-replace projects. Our rapid deployment model accelerates time to value, helping businesses quickly reduce PCI scope, reduce compliance audit costs, improve customer experience, and speed up revenue collection. Trusted by organizations around the world, Sycurio empowers businesses to modernize payments, increase operational efficiency, and protect their brand while delivering the effortless, omnichannel experiences today’s customers expect.

Telesign Corporation 08702 317 777 / shivam.nirupam@routemobile.com / proximusglobal.com Telesign, a Proximus Global company, delivers Continuous Trust™ to leading global enterprises by connecting, protecting, and defending their digital identities. Our digital identity, verification, and programmable communications APIs help businesses onboard real customers, secure logins and transactions, and prevent fraud - from bots and fake accounts to synthetic identity fraud, account takeover, and international revenue share fraud (IRSF). Telesign verifies over five billion unique phone numbers each month and analyses billions more, turning proprietary data and machine learning into real-time risk scoring. With coverage across 230+ countries and territories, 35+ patents worldwide, and the trust of two-thirds of the world’s largest brands, we secure billions of digital interactions every month. As part of Proximus Global - combining Telesign, BICS and Route Mobile — we connect, protect and engage everyone, everything, everywhere.

Worldpay 07968 608 683 / ian.holley@worldpay.com / worldpay.com Worldpay has combined with Global Payments to become the world’s largest provider of payment solutions. We help thousands of enterprise retailers with their payment strategy.

9th November 2026 Hilton London Canary Wharf

The Cyber Secure Forum continues to follow the awardwinning structure, that brings key IT/cyber security professionals together with leading solution providers for focused one-to-one meetings via a pre-arranged itinerary of business meetings. Explore how our event unfolds here

Scan or click here for our website

01992 374078

l.cloona@forumevents.co.uk

Cyber Secure Forum

HELD TWICE YEARLY 4th February 2027 Hilton Canary Wharf

8th July 2027

Hilton Canary Wharf

Scan or click here for our website

01992 374087 c.byrne@forumevents.co.uk

ecommerce-forum-fe/

Explore how our event unfolds here