Our Messaging Hub, Aquila provides native SWIFT MT/MX messaging & transformation; including automated payments processing, reconciliations, message matching, duplicate message detection & much more.

Aquila, can be deployed quickly and easily in the cloud. on premise or as a Hybrid Solution.

Headquartered in London we have been supporting financial institutions globally for over 40 years.

Please visit us on Stand 31 to see a live demonstration and learn about our services.

For further information please visit aquaglobal.co.uk

Headquartered in a magnificent Georgian Hall in Cambridge, AuthoriPay is a pioneering regulatory consultancy with a focus on payment and e-money institutions.  Committed to upholding the highest standards of integrity and ethics, we are renowned for going the extra mile to ensure client satisfaction and establish enduring relationships.

The specialised and diverse experience of our team is the strength we bring to our clients. Our highly-experienced consultants, all of whom are members of the Association of Professional Compliance Consultants, have been involved at an early stage with some of the biggest names in the industry.

WorldPay, Western Union, Revolut, Paypoint, ClearBank and Cashflows are just some of the brands we’ve helped to put on the map.  Our clients benefit from our direct experience both at running regulated firms as well as our regulatory experience dating back to when the very first payment service regulations were drafted.

AuthoriPay specialises in serving the Fintech community with fair pricing in the following areas;

• AML and Safeguarding Audits
• Multicurrency Safeguarding accounts
• Card issuing and acquiring,  including principal card scheme membership
• UK and EEA regulatory licensing
• Canadian MSB licensing

AutoRek is a leading provider of automated reconciliation software. We’ve been revolutionizing finance operations and controls for the global financial sector since 1994.

Our solutions are purpose-built to reduce operating costs, achieve regulatory compliance and help firms get in control of their data.

AutoRek is the go-to end-to-end reconciliation platform for some of the largest firms in the global payments sector, including GoCardless and Worldpay. Our solution is specifically designed to help overcome the most complex challenges in managing reconciliations, financial data management and reporting requirements.

With AutoRek, your firm can:

· Save time, reduce costs and increase overall efficiency with automated reconciliations

· Take control of your data with accurate and actionable MI

· Eliminate manual processes to focus on value-add tasks

· Improve month-end timelines to meet deadlines

· Comply with safeguarding rules and avoid penalties

· Mitigate financial and operational risk, ensuring profitability

www.autorek.com

Bankera is a Banking-as-a-Service provider offering embedded and virtual IBANs, card issuing, white-label and agent solutions. Bankera is also a principal member of Visa and Mastercard and offers SEPA (including instant), SWIFT and other payment methods for transactions in more than 15 different currencies.

BankingLab is a one-stop shop banking software provider for banks, EMIs and other PSPs. Solutions include:

• Core banking
• Internet and mobile banking
• Card issuing processing
• SEPA (including instant), SWIFT and APMs connectors
• Compliance and reporting modules
• KYC and KYB solutions

Founded in 1996, BPC is a proven industry leader that is shaping the world of transactions with quick, safe and easy payment processing. With a focus on exceptional technology development and customer service, BPC helps financial institutions and businesses to deliver innovative and best-in-class proven solutions that fit with today’s consumer lifestyle when banking, shopping, or moving in both urban and rural areas. With more than 350 customers across 120 countries, BPC collaborates with all ecosystem players to deliver services for the digital world. Its core product SmartVista suite comprises cutting-edge banking, commerce, and mobility platforms that enable innovative solutions for digital banking, ATM and switching, payments processing, card, and fraud management, financial inclusion, merchant portals, transport, and smart cities. To find out more about how BPC can help businesses deliver a seamless payments processing experience to consumers, please visit https://www.bpcbt.com

Clear Junction is a global payments solutions provider. We power financial companies, enabling them to capture and connect to new opportunities by accessing the tools, networks and knowledge they need.

Our team has years of experience in the payments space and extensive knowledge of risk and compliance. That, coupled with our proprietary technology, helps empower businesses to realise potential in the areas traditional service providers can’t or aren’t willing to unlock.

Clear Junction Ltd. is authorised by the FCA under the Electronic Money Regulations 2011, firm reference 900684

ClearBank is a purpose-built, technology-enabled clearing bank. Through its banking licence and intelligent, robust technology solutions, ClearBank enables its partners to offer real-time payment and innovative banking services to their customers. 

CLOWD9 Ltd. is world’s first cloud native, decentralized payments processing platform. Born in the cloud, the platform delivers uncompromising, limitless payments technology around the globe.

Founded in the UK by authoritative payments experts and advised by finance executives and entrepreneurs, CLOWD9 processes payments for traditional banks, neo banks and fintechs. Its platform architecture is global by design, allowing it to scale at speed, quickly establish in new markets and service regional payment preferences across traditional card, bank transfers, QR codes, biometrics or cryptocurrency.

We are DECTA – a global payment processing company, experts in FinTech.

We provide a complete range of digital payment services designed with the needs of Merchants, Banks, and Payment Service Providers in mind. Used by 2000+ companies across 32 countries, our solutions include:

• Payment Acquiring Services
• BIN Sponsorship and White Label Card Issuing
• White label Payment Gateway
• Issuer and Acquirer Processing

For more information please go to www.decta.com.

Powered by a team of CX and FinTech enthusiasts, we transform customer experiences globally.

Dialect is a niche BPO which provides a multilingual Customer Experience (CX) solution designed and delivered with FinTech businesses at the heart.  We are an extension of your business offering 24/7, 365 days a year dedicated customer support in a number of different languages.

Dialect’s service offerings are aligned to our visions and values– deliver innovative solutions for our clients via voice, e-mail, live chat, Facebook, and WhatsApp.

Our live chat solution, MultiLect, is providing high-quality native conversations in over 75 languages. It can be easily embedded in the app or web.

Dialect already supports clients and their customers in the UK, Europe, the US, and UAE with a wide range of inquiries including lost and stolen, account and card activation, transactions, and general usage queries.

We support you in focussing on growing your business while we handle your customer support needs. Let us tell you how outsourcing your contact centre can benefit your business, and improve your customer experience and brand.

DIGISEQ is an award-winning TSM and provisioning platform that provides an end-to-end service to securely deliver data into everyday wearables, enabling items – from rings and bracelets to even fingernails – to include fully certified NFC payment, access control, digital identity, authenticity, and consumer engagement functionality.

We connect an entire ecosystem, serving as a centrepiece between banks, product creators, brands, retailers, chip manufacturers and service providers.

In the last few years, we have extended our provisioning platform to allow full at-home provisioning and wearable management so that users can complete the tokenisation of their selected payment card and securely provision it to their chosen wearable via their mobile device (Apple or Android), thus removing many of the previous barriers to scalability of passive wearables.

By giving consumers the choice of how they pay, banks and issuers can ensure their accounts remain ‘top of wallet’ and ‘front of mind’, ensuring ongoing loyalty and engagement.

Dukascopy Bank is a Swiss innovative bank providing Safeguarding and Settlement accounts in 22 currencies to financial institutions globally with the help of our Open Banking APIs. We have developed our products over many years to meet the market requirements with utmost transparency and compliance. Understanding Client needs is our priority and meeting their expectations is crucial. The bank strictly follows the rules ensuring the safest possible environment for its clients in accordance with the Swiss Banking traditions.

Ellipse World, Inc. (“Ellipse”) is a Los Angeles-based FinTech company that defines the latest advancements in smart card technology. Ellipse aims to secure e-commerce transactions and support the global payment ecosystem. Ellipse developed the EVC® All-In-One EMV micromodule. Payment cards equipped with EVC (Ellipse Verification Code) integrate a dynamic security code, which changes when the card is tapped or dipped at a terminal, ATM, or mobile app. This changing code protects against Card Not Present fraud and eliminates false declines. Ellipse’s global team is comprised of leading payment technology experts, committed to creating new value for the payment industry.

Equals Money is the money movement solution for forward thinking teams. Our business account combines cutting-edge technology, expert support, and thorough compliance to help you make the most of your spend. Business spend is inevitable: with an account from Equals Money, make it one less thing to worry about.

Flagright protects financial institutions from financial crime with risk-based & real-time transaction monitoring, case management, sanctions screening, and ID verification products. It’s a holistic infrastructure solution to stop fraud, money laundering, and terrorism financing.

iFAST Global Bank (iGB) is a UK bank authorised by the Prudential Regulation Authority (PRA) and regulated by both the PRA and Financial Conduct Authority (FCA). It’s a Subsidiary of iFAST Corporation, a Singapore Exchange Company.

iGB supports Banks & Non-Bank Financial Institutions such as:

Electronic Money Institutions, Authorised Payment Institutions, Merchant Acquirers, Asset & Investment Management Platforms, Brokers, Trusts, Challenger Banks, Foreign Banks Building Societies and Credit Unions,

We provide a service that strengthens their competitive edge by providing enhanced facilities to their own customers. We are a clearer of GBP being a direct member of CHAPS and a direct participant of Faster Payments. We are also a direct SWIFT member and can therefore provide cross border payments in a number of currencies.

Products:

Safeguarding Current & Savings Accounts

Client Money Savings Accounts

Operational Accounts

Deposit & Savings Accounts

We empower our customers to achieve success with connectivity, tailored solutions and dedicated support.

Payments Technology Redefined.

We’ve built our own FX and payments infrastructure to offer clients a quick, secure and easy to use service; all at low cost. Whether it’s a single transfer or your international payroll run, IFX Payments have global cross border payment solutions to save you time and money.

Meet us at Pay360

We’re excited to announce that we’ll be attending Pay360 on 19th – 20th March as silver sponsors.

On day two of the event, our CEO, Will Marwick, is giving a keynote speech in the morning, answering the question, “Cross-Border and Real-Time Money Movement – Can we ever go truly global?” which will be followed by a panel discussion. The following topics will be covered:

• How are the different international regulations impacting the development of cross-border instant payments?
• What are the pain points of failing to achieve real-time money movement, and what is being done to solve them?
• What drives the future of payments, is it innovation or regulation? And how can businesses navigate around APP fraud?

To avoid missing out, get a spot early – as the session is already garnering a lot of interest.

You’ll be able to find our team at stand 88 during the event, and our experts will be happy to talk to you about all things cross-border payments and FX and run you through how our solutions can support your goals.

We’ll have some activities running at our stand, including our currency pairing game, where you could win a pair of Apple AirPods Pro. The person who matches the currency pairs in the quickest time, will take home the prize, so it’s you against the clock!

Jumio helps you know, then trust your customers online. From account opening to ongoing monitoring, the Jumio KYX Platform provides advanced identity proofing, risk assessment and compliance solutions to accurately establish, maintain and reassert trust.

Leveraging advanced technology including automation, biometrics, AI/machine learning, liveness detection and no-code orchestration with hundreds of data sources, Jumio helps organizations fight fraud and financial crime, onboard good customers faster and meet regulatory compliance including KYC and AML. Jumio has processed more than 1 billion transactions spanning over 200 countries and territories from real-time web and mobile transactions.

Based in Palo Alto, Jumio operates globally with offices in North America, Latin America, Europe, Asia Pacific and the Middle East and has been the recipient of numerous awards for innovation. Jumio is backed by Centana Growth Partners, Great Hill Partners and Millennium Technology Value Partners.

For more information, please visit jumio.com.

KYP is a real-time third-party risk intelligence platform that delivers a complete picture of the partners a business relies upon. KYP was formed by Alan Nagle after recognising that current due diligence providers were not solving the problem of identifying the risks involved in transacting with non-banking partners.

Products available in the market were solely focused on-boarding and transactional monitoring and not the ongoing fraud and reputational risks that the current Open and Connected World can create; this resulted in the use of multiple platforms and resources to gain as much information as possible.

At KYP we take a holistic approach to Knowing Your Partner and mine a complete range of broad and trusted data sources with our unique Machine Learning and AI – intelligently connecting them in one platform resulting in connections other solutions are missing.

For more than 50 years, Mastercard has pioneered technology to make payments simpler, smarter and safer. We work to connect and power an inclusive digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. Find out more by clicking here.

Monavate – a next-generation payments platform built for the world of Fintech, web3 and B2B Payments. A complex but simply visualised network of API connections that provides access to the full Issuing and Acquiring ecosystem in a single integration, an ecosystem traditionally burdened by disparate suppliers, segmented data sets and multiple points of connectivity.

Born and based in Cambridge, UK, Monavate help innovative and ambitious businesses navigate the complex network of technology and regulatory requirements so that they can focus on what is important to them – building their payment programmes.

As principal members of Visa, Mastercard and Discover, Monavate’s card scheme sponsorship and payments platform is expertly curated and provides world class technology that enables its customers to create and manage financial programmes with ease, scale and speed.

Monavate are authorised and regulated as an e-money institution by the UK FCA and across the EU by the Bank of Lithuania.

MULTOS is the most robust, industry-backed high security smartcard platform, delivering simplicity and innovation to the world’s leading card and e-passport issuers. With a figure in excess of 2 billion issued smartcards and smart devices across more than 50 countries, thousands of issuers, including national governments, banks, corporate enterprises and transit authorities have taken advantage of the high security, multi-application platform for their deployment programmes. A wide range of applications including EMV payment, contactless payment, authentication, digital identity, biometrics, loyalty and mass-transit ticketing, and connected smart devices may be implemented, and co-reside, using a MULTOS powered chip. www.multos.com

Numeral is a payment technology provider. We provide the infrastructure for fintechs to connect to partner banks, access schemes, and automate payment operations.

Numeral enables fintechs to cover all their payment use cases with a single platform, including

• access to SEPA, Bacs, and FPS as corporate customers or indirect scheme participants,
• multi-banking,
• and direct debit automation.

Numeral provides the payment infrastructure for European fintech leaders like Swile, Spendesk, and Alma and has a growing European customer base.
Numeral also partners with Europe’s leading banks, including Barclays, HSBC, BPCE, BNP Paribas, and ABN AMRO.
Launched in 2021, Numeral has raised €13m from world-class investors like Balderton and eFounders.

Paytently is an elite B2B payments orchestration platform, crafted by industry leaders with a passion for revolutionising the payment landscape. Our fully scalable AI-driven platform streamlines transactions, smartly routing each one to the ideal acquirer for a simpler, curated and more efficient experience.

Our emphasis on meaningful connections sets us apart, transforming typically faceless transactions into delightful collaborations. We’re all about making payments smarter, easier, and, dare we say, more fun.

Salt Edge is a leading financial API platform with PSD2 and Open Banking solutions that cater to businesses worldwide. The company facilitates third-party access to bank channels through a unified gateway and develops the technology necessary for banks to comply with regulatory requirements. As an ISO 27001-certified and AISP-licensed company under PSD2, Salt Edge prioritizes international security measures to ensure stable and reliable connections between financial institutions and their customers. The company is integrated with over 5,000 financial institutions in more than 50 countries and has earned recognition as a Strong Performer in The Forrester Wave™: Open Banking Intermediaries, 2023 Report.

Visit: https://www.saltedge.com/

Sumsub is a full-cycle verification platform that secures the whole user journey. With Sumsub’s customizable KYC, KYB, Transaction Monitoring and Fraud Prevention solutions, you can orchestrate your verification process, welcome more customers worldwide, meet compliance requirements, reduce costs, and protect your business.

Sumsub has over 2,000 clients including Exness, FlowBank, Advapay, bitwallet, B2Broker, ANNA, Jeton, Orenda, Binance and TransferGo, spanning globally across various industries such as fintech, crypto, trading, e-commerce and more.

You can find details about Sumsub’s solutions for fintechs here: https://sumsub.com/financial/

We’re the global specialist in financial transactions – the way the world moves value across borders, through cities and over seas. We keep funds flowing, supply chains moving and the world’s economies turning. No other organisation can address the scale, precision and trust that this demands.

We’re unique too: a neutral cooperative established to provide a safe, secure and reliable way for the financial community to send transactions across borders. We’re always striving to be better and are constantly evolving in an ever-changing landscape. We innovate tirelessly, test exhaustively, then implement fast. In a connected and challenging era, our mission has never been more relevant.

Headquartered in the United Kingdom, TerraPay believes that the smallest payment deserves a borderless journey as safe as the largest. The group has been building an ever-expanding payments highway that empowers businesses to create transparent customer experiences with an uninterrupted, secure, and real-time global passage for every payment, however small or large. Registered and regulated across 29 global markets, TerraPay is one of the leading global partners to banks, mobile wallets, money transfer operators, merchants, and financial institutions, creating a more expansive and inclusive international financial ecosystem. With access to an extensive network of 7.5Bn+ bank accounts, 2.1Bn+ mobile wallets, across 125 receive countries and 210 send countries, TerraPay enables its partners to become beacons of the promise of global financial inclusion.

• One of Europe’s largest card manufacturers with over 25 years’ experience.
• Certified by Mastercard, Visa, Discover, and UnionPay International and producing 250+ million cards annually for over 60 countries.
• Dedicated to providing a world -class end-to-end service: consultancy, design, personalisation, packaging, and fulfilment.
• Committed to technological advancement – The first card manufacturer in Europe to produce dual-interface metal payment cards.
• Proud to offer our customers a range of card options to meet their requirements: rPVC, Mastercard-approved Invercote paperboard, biometric cards, wearables and EVC® Dynamic Security Code.

The Bank of London is a principal clearing bank of the United Kingdom prioritising the preservation of depositor’s money and operating as a partner for safer banking.

The bank does not generate credit, liquidity, or investment risk. No depositors’ money is loaned, leveraged, or invested. All client money is held at the Central Bank (Bank of England), available on demand.

The bank provides:

• Agency, clearing, payment and settlement solutions for regulated and non-regulated domestic and international companies;
• Commercial Banking, serving SMEs as well as corporate, government and institutional clients with account, custody, foreign exchange, transaction, and treasury solutions;
• Embedded Banking (As-A-Service), enabling companies to fully embed regulated banking products into their offerings, under their brand and powered by the bank’s licence and platform.

The Bank of London is authorised by the Bank of England’s Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Thistle Initiatives, part of the Thistle Group, is a multi-award-winning compliance consultancy, providing advice and support to regulated and unregulated firms both internationally and across the UK.

Since launching in 2012 we have become one of the largest members of the APCC and proudly supported over 1000 firms to become FCA authorised.

Our 70+ team of financial industry specialists, compliance officers, ex regulators and lawyers is dedicated to providing support with FCA Authorisations, Acquisition Due Diligence, Audits, Supervision and Enforcement and ongoing compliance advice and support, to sectors including Investments, Payment Services, Credit, Mortgages, Digital Assets and General Insurance.

With a strong focus on financial crime compliance, we support firms to navigate the complexities of financial crime regulations, including anti-money laundering, anti-bribery, counterterrorism and tax evasion.

We are guided by a principle to be much more than a compliance consultancy, our philosophy of providing a world-class service and hands-on approach, with problem-solving and a commercial focus, means we strive to be trusted by the regulator and our clients alike.

For more information, please visit thistleinitiatives.co.uk, email info@thistleinitiatives.co.uk or call 0207 436 0630.

Thredd is the trusted next-gen payments processing partner for innovators looking to modernise their payments offerings worldwide. We process billions of debit, prepaid and credit transactions annually, serving over 100 fintechs, digital banks, and embedded finance providers, from consumer to corporate, across 44 countries.

Thredd’s unique offering is its client-centric approach combining hands-on support with modern, reliable, and scalable technology. Thredd’s assured solution accelerates the development and delivery of consumer and corporate payments components embedded within digital banks, as well as for expense management, B2B payments, crypto, lending, credit, Buy Now Pay Later (“BNPL”), FX, remittance, and open banking innovators.  By partnering with our clients from concept to creation with our easily configurable solutions, we allow these leaders the agility to achieve their core business aspirations.

Thredd has enabled market leaders since 2007 and has a highly reliable platform with 99.99% availability. Thredd’s highly customisable solutions on our API-first platform, surrounded by our in-depth industry expertise, value added services, global presence and technical resilience, are designed to scale with ease. Thredd is certified by Visa and Mastercard to process transactions globally.

The company has branded offices in London, Newcastle, Singapore, and Sydney, with remote colleagues based all over the world.

When you want to grow your business, you’re pulled in two directions. You need to acquire new customers and reward loyal fans. It’s not an easy balance to strike, but Tillo makes it effortless.
Our innovative platform uses the power of digital gift cards to connect consumers to the brands they love. We resolve two business headaches in one solution, making you magnetically attractive to new customers, and giving existing ones every reason to stay.

With a truly collaborative ethos, which makes customer service a priority, we focus on helping businesses supercharge sustainable and profitable growth. Let’s start supercharging yours.

Recognized as the #1 CX provider for disruptors and innovators across financial services and fintech, Ubiquity was founded on the belief that our clients and their customers deserve better: Better expertise. Better ideas. Better scale. Better results. Headquartered in New York City with delivery locations in the U.K., Europe, Asia, Africa, and the Americas, Ubiquity provides multilingual, end-to-end solutions for customer experience management, back-office operations, and business transformation. Visit us at ubiquity.com.

Ubiquity’s approach to outsourcing is defined by five foundational stages, each meticulously designed to ensure unparalleled excellence and partnership. These stages together form the core of our BreakthroughIQ™ methodology. This unique framework is what sets us apart, fostering transformative results tailored to your business and your customers:

1) Bespoke Discovery

2) Strategic Solutioning

3) Specialized Expertise

4) Relentless Optimization

5) Always-On Global Reach

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.

Wallester AS is a fintech company with offices in Tallinn and Valbonne, offering unique payment solutions and card issuing options that can be customised to meet the specific needs of any business, regardless of its size.

Two main products are available for businesses to choose from.

Wallester Business simplifies corporate expense management by providing an all-in-one solution that includes a Web portal, a Mobile App, and REST API integration to manage, keep on track, and easily report all the corporate spending without any fees. The solution offers unlimited virtual and physical Visa cards, a custom payroll program, BIN ranges, and support for more than 10 currencies. After a quick registration, each new client gets 300 virtual Visa cards free of charge.

Wallester White-Label provides customisable payment solutions, such as tailored card issuing and processing services, that can be branded with your company’s name and logo. As well as all the legislation and regulation matters services, including all the necessary certifications, Back office portal, KYC/KYB procedures, AML, Fraud Monitoring and 3DS security measures on top of custom payment preferences such as tokenisation, mobile application development or REST API integration.

For more information, please visit our website: wallester.com