Built for Merchants. Focused on Payments

Merchant Transact 360, co-located with PAY360, brings together 400+ merchants, providers and solution partners at the forefront of merchant payments. From rising scheme fees and false decline rates to chargeback abuse and the growing complexity of cross-border acquiring, merchants are navigating an increasingly demanding payments landscape, whilst balancing consumer demand for frictionless, omnichannel experiences with evolving compliance and real-time fraud prevention. Merchants attend free-of-charge.

We're committed to fostering a dedicated environment where merchants can come together to network, share insight and build meaningful peer-to-peer relationships. To support this further, Merchant Transact 360 features a dedicated VIP Merchant Lounge, giving you a focused space to connect with fellow senior merchant leaders in a more private and curated setting

200+
Merchants
400+
Attendees
50+
Speakers
20+
hours networking

The Payments Association Merchant Members

Merchant Transact 360 was born out of the evolving needs of our merchant members, designed to address their challenges, share insights, and shape the future of commerce together

Transport for London, Sky, Screwfic, Holiday extras, Flutter International, BT Group, ASOS

 

Our attendees are real decision makers and budget controllers

From retail, hospitality, travel, food, beverage, utilities, telecoms to entertainment, gaming and gambling, a substantial spectrum of merchant verticals comes together under one roof. This cultivates a uniquely senior environment where high-value connections are formed and cross-vertical knowledge is shared across the industry.

Whether you're looking to explore innovative payment solutions, discover emerging technologies, build strategic partnerships or gain insight into the trends shaping merchant payments, Merchant Transact 360 gives you direct access to the people driving transformation across commerce and retail.

54%
Budget holders, buyers or Influencers
60%
VP and above
58%
predict a 12-month spend of at least £5m

 

Curated world-class sessions

Over two days, Merchant Transact centres on the real-world challenges faced by merchants in today’s payment landscape, including optimising acceptance, improving checkout experiences, navigating fraud and risk, and driving conversion in an increasingly competitive retail environment.

The event brings together an impressive rostrum of speakers from across the global merchant ecosystem.


 

Shared space with the largest exhibition hall dedicated to payments

Merchant Transact’s exhibition hall will sit alongside that of UK’s leading payment event, PAY360. Endorsed by the Department for Business and Trade, PAY360 brings together 7000+ of the most senior and influential leaders from across the payments network.

From traditional, challenger and neo banks, fintechs, regulators to orchestration platforms, payment processors, fraud, risk and identity specialists. Past attendees include HSBC, Lloyds Banking Group, Barclays, NatWest, Visa, Darwinium, OpenPayd, FCA, PSR, ACI Worldwide just to name a few


 

  • Working Groups and Roundtables
  • Working Groups and Roundtables
  • Working Groups and Roundtables
  • Working Groups and Roundtables

Roundtables & Workshops

Merchant Transact360 offers a series of smaller, high-impact sessions, either invite-only or accessible via pre-registration, designed as closed-door, peer-to-peer discussions that prioritise interaction over presentation.

The topics are more focused and granular than those on the main agenda, enabling genuine deep-dive conversations and practical, outcome-driven dialogue. Attendance is restricted to paid pass holders, ensuring a high-quality, senior professionals seeking collaboration, insight exchange, and meaningful engagement across the ecosystem.


 

Across the hall from Merchant Transact is the Retail Technology Show:

Next year’s edition will see the Retail Technology Show taking place simultaneously at the ExCeL London and directly across the hall from Merchant Transact 360. As part of this expanded ecosystem, merchants will also be able to attend the Retail Technology Show free of charge. This gives you access to a broader retail and commerce community, and the opportunity to network with over 15,000+ retail professionals across both events.

Some of their current speakers include:

  • Archie Norman, Chairman, Marks & Spencer
  • Anthony Houghton, Group CEO, Holland & Barrett
  • Sarah Boyd, Managing Director UK, Sephora
  • Grace Beverley, Founder, Tala
  • Touker Suleyman, Owner & Chairman, Hawes & Curtis

Retail Technology Show


 

Key Themes:

Agentic AI & the Future of E-commerce

Explore how agentic AI is beginning to reshape payments decisions across the merchant ecosystem, from autonomous routing to risk assessment and checkout execution. Investigate how far merchants, PSPs and platforms are willing to let AI systems influence the customer journey, and what this means for control, accountability and trust. Examine the implications for fraud, authorisation and liability as decision-making shifts from human to machine.

Checkout Optimisation as a Revenue Driver

Examine how checkout has evolved from a transactional step into a continuously optimised system for revenue growth and approval performance. Explore how merchants are using data, testing and smart routing to reduce false declines, improve authorisation rates and minimise abandonment. Assess the tools and strategies driving measurable commercial impact at the point of payment.

 

The Evolving Fraud Landscape in Merchant Payments

Investigate how fraud in merchant payments is evolving, from first-party abuse and friendly fraud to increasingly sophisticated AI-driven attacks. Explore how merchants are adapting detection and prevention strategies to keep pace with new threat vectors. Examine the balance between robust fraud controls and maintaining a seamless, low-friction customer experience.

 

Orchestration: Driving Payment Success & Reducing Friction

Explore how payment orchestration is helping merchants improve authorisation rates, reduce friction and create more resilient payment flows. Examine how intelligent routing, retry logic and multi-acquirer strategies are being used to maximise success rates across geographies and payment methods. Assess orchestration's growing role as a strategic lever for performance and customer experience.

Digital Wallets: Redefining Checkout Control & Experience

Examine the evolving role of digital wallets in shaping checkout control and customer experience. Explore how wallets are influencing consumer payment preferences, conversion rates and merchant relationships with payment data. Assess the strategic implications for merchants as wallets take on greater control over the checkout journey and customer touchpoint ownership.

Regulation's Impact on Payment Design & Customer Experience

Explore how evolving regulation is shaping payment design and the customer journey at checkout. Examine how merchants are balancing compliance requirements, from authentication to data protection, with the need to maintain frictionless, conversion-optimised experiences. Assess strategies for embedding regulatory obligations into payment design without compromising customer experience or trust.

Don't miss the future of payments
Register your interest and secure your place at Merchant Transact 2027