Payments now sit at the center of customer experience. A checkout flow can feel smooth, fast, and trustworthy. Or it can feel risky, confusing, and slow.
That is why payment trends deserve a spot on your growth roadmap, not just your finance checklist. The teams that treat payments like a product usually win more orders. They also reduce support tickets, prevent avoidable fraud, and reconcile faster.
This guide focuses on practical moves. You will see tools that businesses already use to ship modern payment experiences. Each section explains what the tool helps you do, what to configure first, and what to watch before you roll changes out to all customers.
You do not need to adopt every trend. You do need to understand which shifts affect your customers, your costs, and your risk. Then you can pick a small set of upgrades that compound over time.
What’s Driving Payment Trends Right Now
Payments scale keeps growing, and it changes who competes with you. The market is big enough that small conversion gains create real revenue. A recent industry snapshot describes a payments revenue pool $2.5 trillion in revenue from $2.0 quadrillion in value flows, supported by 3.6 trillion transactions worldwide that touches almost every business model.
Digital wallets now shape the default checkout experience for a large share of consumers. They reduce typing, improve security signals, and “bundle” identity with payment choice. Worldpay reports $13.9 trillion spent via digital wallets in 2023, accounting for 50% of e-commerce and 30% point-of-sale consumer spend, which helps explain why wallet buttons keep moving higher on checkout pages.
Cash does not disappear, but customer behavior keeps moving toward digital convenience. The Federal Reserve’s consumer diary found cash accounted for 14% of all consumer payments by number, while credit cards accounted for 35% of payments, and adults aged 18 to 24 used their phones for 45% of all payments, which reinforces a simple point: your checkout must work beautifully on a phone.
Meanwhile, fraud shifts from “rare edge case” to “daily operational reality.” Scams, account takeovers, and refund abuse hit customer trust, not just your margins. At the same time, regulators raise expectations for customer authentication, consumer rights, and data use. These forces push teams to modernize identity, risk, and reconciliation workflows together, not in silos.
Put differently, the biggest driver is not one new payment method. The driver is a new baseline: customers expect speed, clarity, and safety every time they pay. When you meet that baseline, you earn repeat purchases. When you miss it, customers abandon the cart and do not come back.
How to Use This Trend List (Without Getting Overwhelmed)
Most payment teams get stuck because “payments” sounds like one big project. It is not. Payments break down into small decisions across checkout, payouts, billing, fraud, and finance operations.
Start by picking the customer moment you need to improve. For many businesses, that moment is checkout conversion on mobile. For others, it is faster payouts to sellers, creators, or contractors. Sometimes it is simply getting a clean reconciliation process so finance can close faster.
Next, decide what you will measure. Focus on a few signals that match your goal. For checkout, watch completion rates, authorization success, and refund friction. For payouts, watch delivery speed, support contacts, and partner retention. For fraud, watch chargebacks, manual review load, and false declines.
Then, choose tools that fit your current architecture. If you already run a commerce platform, prioritize native options before custom builds. If you operate across regions, consider orchestration so you can avoid lock-in and reduce downtime risk. If you sell subscriptions, treat billing recovery as a core growth lever, not a back-office task.
Finally, ship in small increments. Payments changes can affect revenue instantly, so you want controlled rollouts. Use staged launches, clear fallback paths, and tight monitoring. A small improvement that stays stable beats a big change that breaks on a busy day.
Tool-Led Payment Trends to Implement Next
1. Stripe Payments
Many teams now want a modular payments stack that lets them ship quickly. Stripe fits this trend because it gives product and engineering teams building blocks for checkout, recurring billing, and money movement. You can start simple, then add complexity as your business grows.
Best for
Online-first businesses that need flexible checkout, subscriptions, or marketplace-style flows.
Key workflows to configure
- Define your payment method strategy by country and device type.
- Set up webhooks so your order system stays in sync with payment events.
- Build clean refund and partial refund paths in your support tools.
- Design a clear decline handling flow that keeps customers moving.
Sales growth lever
Use Stripe to reduce checkout friction and test changes faster. Faster iteration helps you improve conversion without redesigning your whole storefront. You also gain room to add new payment methods when customers ask for them.
Watch outs
Payments become easy to launch and easy to sprawl. Keep strong ownership so product, finance, and support stay aligned. Also plan how you will handle disputes, refunds, and edge-case failures before you scale volume.
Quick start checklist
- Map your current payment and refund journey end to end.
- Implement a hosted or prebuilt checkout to ship faster.
- Connect webhooks to your order and fulfillment logic.
- Run real device testing for mobile checkout flows.
- Set dashboards for success rates, declines, and refunds.
2. Adyen
Unified commerce keeps gaining momentum. Customers expect the same payment experience across store, web, and app. Adyen supports this trend with a single platform that can connect in-person and online payments, which helps you see customer behavior across channels.
Best for
Retailers and hospitality brands that operate both in-person and online channels.
Key workflows to configure
- Align in-store and online payment data fields for consistent reporting.
- Configure unified tokenization so returning customers check out faster.
- Build seamless returns and exchanges across channels.
- Set up centralized permissions for store staff and finance teams.
Sales growth lever
When you connect channels, you reduce “dead ends.” Customers can buy online and return in-store without friction. Staff can also help customers complete payments faster, which reduces abandoned purchases.
Watch outs
Unified commerce needs operational discipline. If stores use inconsistent SKUs, tax rules, or refund processes, reporting becomes noisy. Plan for training and clear playbooks, not just an integration.
Quick start checklist
- Standardize product and order identifiers across systems.
- Launch a pilot in a small set of locations first.
- Test returns, exchanges, and offline edge cases.
- Train store teams on the new payment and refund flow.
- Review reporting with finance before full rollout.
3. Checkout.com
Global selling pushes businesses to care about authorization performance and local payment expectations. Checkout.com aligns with this trend by focusing on international acceptance, local payment coverage, and performance optimization that can lift revenue without changing your product catalog.
Best for
Brands and platforms that sell across multiple countries and need strong cross-border performance.
Key workflows to configure
- Enable the payment methods your top markets prefer.
- Set currency presentation rules that match customer expectations.
- Build clear retry logic for soft declines and network failures.
- Standardize reconciliation exports for your finance workflow.
Sales growth lever
Improved authorization rates often create “found revenue.” You keep more legitimate transactions that would otherwise fail. You also reduce customer frustration caused by repeated declines or confusing payment screens.
Watch outs
International expansion adds complexity fast. Refund and chargeback rules vary by region. Make sure support teams understand how each payment method behaves, especially around disputes and settlement timing.
Quick start checklist
- Rank markets by revenue and failed payment volume.
- Add the top local payment methods for those markets.
- Verify your decline messaging and fallback methods.
- Confirm refund policies for each region.
- Monitor auth rates and customer complaints weekly.
4. Spreedly
Payment orchestration is a key trend for teams that want resilience and negotiating power. Spreedly supports this by letting you connect to many processors and gateways while keeping payment data portable. This helps you avoid a single point of failure and run experiments without re-platforming.
Best for
Enterprises that need multi-provider redundancy, complex routing, or faster expansion into new markets.
Key workflows to configure
- Vault and tokenize payment methods so you can route them safely.
- Connect multiple gateways and define routing rules by region or brand.
- Set failover behavior for downtime and degraded performance.
- Build reporting that compares processor performance over time.
Sales growth lever
Orchestration helps you recover revenue that fails for avoidable reasons. You can route transactions to the best-performing provider. You also reduce downtime risk, which protects conversion during peak demand.
Watch outs
Orchestration does not remove the need for good contracts and support with each provider. It also adds a new layer to debug. Keep logging and clear ownership so teams can resolve incidents quickly.
Quick start checklist
- List every payment provider, method, and region you support.
- Decide your primary and backup processing paths.
- Implement vaulting before you migrate large volumes.
- Run parallel processing during the transition.
- Create dashboards for routing outcomes and failures.
5. Square
Point-of-sale keeps shifting from hardware-first to software-first. Square fits this trend by bundling payments, POS, and business tools in a way that small teams can deploy quickly. It also helps unify in-person sales with online payments and invoicing.
Best for
Small and mid-sized sellers that want a fast setup for in-person payments and simple commerce operations.
Key workflows to configure
- Build your product catalog with clean categories and modifiers.
- Set up taxes, discounts, and receipt settings to match your brand.
- Connect online ordering or invoices to the same product data.
- Train staff on refunds, tips, and edge-case scenarios.
Sales growth lever
Shorter lines and faster payments directly protect revenue. Square also helps you sell in more places, such as events, pop-ups, and online links. That flexibility lets you capture demand when it spikes.
Watch outs
As you grow, you may want more customization than an all-in-one system offers. Also review how you will export data for accounting. Clean data early prevents messy reconciliation later.
Quick start checklist
- Set up items, categories, and employee permissions.
- Test a full transaction, refund, and receipt flow.
- Connect deposits to your accounting process.
- Document how staff should handle disputed charges.
- Review weekly reports for anomalies and trends.
6. Shopify Payments
Commerce platforms increasingly “own” payments. This trend matters because it reduces integration work and keeps operations in one admin. Shopify Payments supports this by offering a native way to accept payments, manage payouts, and handle disputes inside the Shopify workflow.
Best for
Merchants that run on Shopify and want a streamlined payments setup with less technical overhead.
Key workflows to configure
- Complete business verification so payouts stay stable.
- Configure fraud analysis settings that match your risk tolerance.
- Set refund policies that align with your support scripts.
- Align order status triggers with fulfillment and capture timing.
Sales growth lever
Native payments reduce friction for your team, which helps you ship faster storefront changes. You also simplify customer support because orders, payments, and refunds live in one place. That clarity can improve customer trust after purchase.
Watch outs
Platform-native payments increase platform dependency. Review restrictions and acceptable-use rules before you build critical flows around them. Also plan a backup approach for business continuity.
Quick start checklist
- Verify your business details and bank payout settings.
- Test checkout, refund, and partial refund scenarios.
- Enable the payment methods your customers request most often.
- Set up dispute alerts and ownership for responses.
- Review reconciliation exports with finance.
7. Shop Pay
Accelerated checkout keeps moving from “nice to have” to “expected.” Shop Pay supports this trend by letting shoppers check out with saved information inside the Shopify ecosystem. It also supports checkout links that work well in social, email, and messaging channels.
Best for
Shopify merchants that want a faster mobile checkout experience and stronger repeat purchase behavior.
Key workflows to configure
- Enable Shop Pay and confirm your shipping and tax settings.
- Validate how discounts behave with accelerated checkout buttons.
- Use checkout links for campaigns that start off-site.
- Confirm your analytics captures attribution across channels.
Sales growth lever
Faster checkout reduces abandonment, especially on mobile. Shop Pay also helps you meet customers where they already browse and buy. That can lift conversion from social and email without changing your product.
Watch outs
Accelerated checkout can bypass parts of your normal funnel. That can affect upsells, subscriptions, or discount logic. Test end-to-end before you launch widely so you do not surprise customers or your finance team.
Quick start checklist
- Turn on Shop Pay and run live transaction testing.
- Verify discount, shipping, and returns behavior.
- Create a set of campaign checkout links and track results.
- Train support on Shop Pay-specific questions.
- Monitor abandonment and refund reasons after launch.
8. PayPal Checkout
Wallet-based checkout remains a core trend because it adds trust and reduces typing. PayPal Checkout supports this by letting customers pay with a familiar wallet experience while you still control the rest of your storefront. It can also help first-time buyers feel safe buying from a brand they do not know well.
Best for
E-commerce brands that want to increase trust and capture wallet-preferring customers.
Key workflows to configure
- Add PayPal as a checkout option in the right funnel locations.
- Set webhooks or order updates so payment status stays accurate.
- Define how you will handle refunds and partial refunds.
- Align dispute workflows with your support and operations teams.
Sales growth lever
PayPal can improve conversion for customers who do not want to enter card details. It also supports faster repeat purchases because customers can reuse saved wallet information. That reduces friction at a key moment in the buying journey.
Watch outs
Wallet checkouts can change how customers perceive your brand experience. Make sure the flow still feels consistent and clear. Also prepare a dispute and escalation plan so your team responds quickly when issues arise.
Quick start checklist
- Enable PayPal in a staging environment and run end-to-end tests.
- Validate refund timing and customer notifications.
- Train support to recognize PayPal-related order states.
- Confirm reconciliation mapping for finance.
- Launch gradually and monitor conversion impact.
9. Apple Pay
Wallet-first checkout is now a baseline for mobile commerce. Apple Pay supports this trend by reducing manual entry and using device-based authentication. It helps create a smooth checkout experience in apps and on the web when customers browse on Apple devices.
Best for
Mobile-first stores and apps with repeat purchases, fast reorders, or impulse-friendly products.
Key workflows to configure
- Enable Apple Pay through your payment service provider.
- Set up domain verification and merchant identity configuration.
- Handle shipping updates and address changes cleanly.
- Support refunds in a way that matches your order system states.
Sales growth lever
Apple Pay reduces friction at the moment of purchase. That matters most on mobile where typing feels slow. A smoother flow often leads to fewer abandoned carts and fewer support tickets about failed payments.
Watch outs
Not every customer uses an Apple device. Always include a clean fallback checkout path. Also test edge cases like address changes, shipping restrictions, and digital goods.
Quick start checklist
- Confirm your provider supports Apple Pay in your target markets.
- Test on real devices across browsers and app versions.
- Review your address and shipping validation rules.
- Update customer support macros for wallet payments.
- Monitor payment failure reasons after release.
10. Amazon Pay
Account-based checkout is a growing trend because it reduces login friction and speeds up address entry. Amazon Pay supports this by letting customers use their Amazon account to pay and ship. For brands, it can act as a trust layer for first-time buyers.
Best for
Brands with many first-time buyers who hesitate to create accounts or enter payment details.
Key workflows to configure
- Add Amazon Pay to checkout and align it with your order flow.
- Confirm tax and shipping calculations work with Amazon-provided addresses.
- Set up refund handling that updates both your system and the payment status.
- Train support to recognize Amazon Pay order scenarios.
Sales growth lever
Amazon Pay can reduce customer friction at checkout. It can also improve trust for shoppers who already use Amazon often. That trust can convert customers who would otherwise leave the cart.
Watch outs
Customers may associate Amazon Pay with Amazon’s broader ecosystem. Make sure your messaging stays clear about who sells and supports the product. Also watch data and privacy expectations.
Quick start checklist
- Implement Amazon Pay in a controlled pilot.
- Test address, shipping, and tax edge cases.
- Verify refund status updates across systems.
- Confirm analytics tracking and attribution.
- Expand gradually after support proves stable.
11. Klarna
Buy-now-pay-later keeps evolving from a payment option into a demand channel. Klarna supports this trend by offering flexible payment options and marketing surfaces that can help customers discover products. For many categories, the payment choice also influences basket size.
Best for
Consumer brands with higher-priced items, seasonal shopping spikes, or customers who value budget flexibility.
Key workflows to configure
- Place BNPL messaging where customers make purchase decisions.
- Integrate Klarna at checkout with clear eligibility messaging.
- Build clean refunds and returns workflows tied to order events.
- Align customer support scripts with Klarna-specific questions.
Sales growth lever
BNPL can raise conversion by easing upfront cost concerns. It can also increase average order value when customers feel more comfortable adding items. When you combine payments with discovery, you also unlock a new acquisition angle.
Watch outs
Returns can become more complex because customers may not understand how refunds map to installment plans. Keep policies simple and communicate clearly. Also monitor fraud and refund abuse trends closely.
Quick start checklist
- Decide where BNPL fits in your pricing and brand positioning.
- Implement Klarna and test partial refunds and returns.
- Update FAQs and support macros for installment questions.
- Track conversion and return rate changes after launch.
- Review fraud signals and adjust risk rules as needed.
12. Affirm
Financing at checkout is a durable trend, especially for higher-ticket categories. Affirm supports this by helping merchants offer payment flexibility while keeping the experience embedded in the checkout flow. For many brands, the real win is selling premium products without forcing customers into a large upfront payment.
Best for
Merchants selling big-ticket products or services where customers benefit from predictable payment plans.
Key workflows to configure
- Place financing messaging on product and cart pages.
- Integrate Affirm as a checkout option with clear terms messaging.
- Design refund workflows that handle partial and full returns cleanly.
- Align customer support and disputes handling with your payment policies.
Sales growth lever
Affirm can reduce purchase hesitation and help customers upgrade to higher-value items. It also helps you compete when customers compare similar products across multiple brands. A smoother financing option can be a deciding factor.
Watch outs
Financing can attract customers with different risk profiles and return behaviors. Watch your fraud, return, and support metrics after launch. Also ensure your marketing claims stay compliant and consistent.
Quick start checklist
- Choose the products and categories where financing makes sense.
- Integrate Affirm and test checkout and refund flows.
- Update product pages with clear, compliant messaging.
- Train support to answer financing-related questions confidently.
- Measure conversion lift versus added operational load.
13. GoCardless
Card churn and failed renewals push many subscription businesses to diversify payment rails. GoCardless supports the trend toward bank-based recurring payments. It helps you collect subscription fees through bank debit, which can reduce involuntary churn and improve long-term retention.
Best for
Subscription businesses, membership programs, and B2B services that invoice recurring customers.
Key workflows to configure
- Set up mandate capture so customers authorize recurring debits.
- Automate payment collection schedules aligned to your billing cycle.
- Create a clear dunning flow for failed payments and retries.
- Sync payment status to your CRM or subscription management system.
Sales growth lever
Better collection stability improves retention without new marketing spend. Bank-based payments can also appeal to customers who prefer not to use cards. That flexibility can reduce cancellations and missed renewals.
Watch outs
Customer education matters. Some buyers understand cards better than bank debit. Make the value clear and keep the setup steps simple to avoid sign-up drop-off.
Quick start checklist
- Identify where card failures drive churn today.
- Add bank debit as an option during signup or billing updates.
- Build notifications for upcoming debits and failed collections.
- Align refunds and cancellations with bank debit behavior.
- Monitor churn and recovery rates after rollout.
14. Plaid
Open banking keeps turning into a real payment channel, not just a data channel. Regulators and ecosystems are also pushing adoption forward. In the UK, the regulator reports more than 16 million users now benefiting from the service and open banking payments has soared by 53% year on year, with VRPs accounting for 16% of all open banking transactions, which shows how quickly bank-connected experiences can move from niche to normal.
Best for
Fintechs and digital businesses that want bank-verified onboarding, account verification, or bank-based payments.
Key workflows to configure
- Use bank linking to remove manual routing and account entry.
- Pull account verification signals to reduce fraud and onboarding friction.
- Design consent screens and privacy flows that build trust.
- Create fallback paths for users whose banks do not connect smoothly.
Sales growth lever
Bank-verified flows can reduce drop-off during signup and payment setup. They also help you approve more good customers with less manual review. Over time, that creates a faster funnel and lower risk.
Watch outs
Bank connectivity varies, and customers may hesitate if the flow feels unfamiliar. Keep UX simple and explain why you request access. Also prepare support for bank-linking troubleshooting.
Quick start checklist
- Pick the primary use case: verification, payments, or both.
- Implement a clean bank-linking experience with clear messaging.
- Build fallbacks for connection failures and user drop-off.
- Update privacy policy and consent language.
- Track completion rates and fraud outcomes by bank.
15. Trustly
Pay-by-bank is one of the most important payment trends for businesses that want lower costs and fewer card-related failures. Trustly supports this by enabling direct bank payments in a checkout flow that feels familiar. It can also reduce fraud because customers authenticate with their bank.
Best for
Businesses that want an alternative to card payments, especially for high-value or repeat transactions.
Key workflows to configure
- Add pay-by-bank as a clear option at checkout.
- Optimize the bank selection and authentication experience.
- Set up instant refund workflows when your use case needs them.
- Align reconciliation to bank settlement reporting and order data.
Sales growth lever
Pay-by-bank can convert customers who do not want to use cards. It can also reduce declines caused by card limits, expired cards, or issuer suspicion. That helps you keep revenue you already earned.
Watch outs
Customer education still matters in markets where pay-by-bank is newer. Use clear copy and simple prompts. Also ensure support teams understand how bank payments differ from cards when customers ask about timing and refunds.
Quick start checklist
- Launch pay-by-bank for a specific segment or checkout flow first.
- Test the full refund and customer notification journey.
- Update your checkout FAQ and support macros.
- Confirm reconciliation mapping for finance.
- Measure conversion and dispute outcomes versus cards.
16. Wise Platform
Cross-border payments keep becoming a product experience, not just a finance function. Wise Platform supports this by helping businesses pay international contractors, sellers, and partners through a streamlined payout workflow. It also helps reduce friction around currency conversion and delivery status.
Best for
Platforms and businesses that pay people or suppliers across multiple countries and currencies.
Key workflows to configure
- Collect recipient payout details in a structured, reusable format.
- Automate FX conversion rules so treasury stays predictable.
- Track payout status and surface updates in your support tools.
- Align payout confirmations with your internal ledger and reporting.
Sales growth lever
Faster, clearer payouts improve partner satisfaction. That can increase retention for sellers and creators. It can also expand your ability to recruit supply in new markets, which supports growth.
Watch outs
Cross-border payouts involve compliance, verification, and local banking quirks. Build a strong onboarding checklist for payees. Also set clear expectations about timing, especially around holidays and local bank schedules.
Quick start checklist
- Map your top payout corridors and currencies.
- Define payout approval workflows for finance.
- Integrate payout status updates into support tooling.
- Test payouts end-to-end with real recipients in pilot mode.
- Review FX exposure and treasury controls regularly.
17. Airwallex
Many global businesses now want a single way to collect, hold, and move money across currencies. Airwallex supports this trend with multi-currency accounts, international payouts, and tools that can reduce the operational friction of expanding globally.
Best for
Businesses that need multi-currency collection and payouts, especially when they operate across several regions.
Key workflows to configure
- Set up local collection accounts for the currencies you sell in.
- Define FX conversion rules and approval workflows.
- Automate supplier and contractor payouts from the same platform.
- Connect reporting to accounting so reconciliation stays clean.
Sales growth lever
When you price and collect in local currency, customers feel more confident. You also reduce FX surprises that cause support issues and refunds. Better money movement can even improve margins by reducing avoidable conversion costs.
Watch outs
Multi-currency operations add complexity to accounting and controls. Define who can move funds and when. Also document the difference between “settled,” “available,” and “converted” balances for internal teams.
Quick start checklist
- List the countries and currencies that drive most revenue.
- Open accounts and connect them to your finance workflows.
- Build payout templates for common supplier and partner types.
- Test reconciliation with real transactions before scaling.
- Set internal approvals and monitoring rules for treasury.
18. Visa Direct
Instant payouts are no longer a luxury. They shape loyalty and retention for sellers, gig workers, and partners. Real-time payments can even drive macro-level impact. Research suggests they could boost global GDP by $285.8 billion, create 167 million new bank account holders by 2028, which helps explain why payout speed keeps rising as a competitive factor.
Best for
Marketplaces, platforms, insurers, and services that want faster disbursements and better partner experience.
Key workflows to configure
- Design recipient onboarding that captures payout preferences correctly.
- Implement payout status tracking and automated notifications.
- Build reconciliation between payout events and your internal ledger.
- Set risk checks for payout fraud and account changes.
Sales growth lever
Fast payouts help you attract and retain supply. That matters in marketplaces where supply quality drives customer satisfaction. Faster refunds can also improve customer trust after purchase and reduce support tickets.
Watch outs
Instant payouts raise customer expectations. If you promise speed, you need a reliable operations plan for exceptions. Also watch payout fraud, especially around account changes and social engineering.
Quick start checklist
- Identify where payout speed affects retention today.
- Create clear payout policies and customer-facing expectations.
- Implement status tracking and support tooling.
- Run a pilot with a trusted partner segment first.
- Monitor payout failures and fraud attempts closely.
19. Mastercard Send
Payouts now need to reach more endpoints with less complexity. Mastercard Send supports this trend by enabling businesses to push funds through different delivery channels. It can help you support more recipient preferences while keeping your payout process consistent.
Best for
Businesses that run global payout programs or need flexible delivery options for recipients.
Key workflows to configure
- Collect and validate recipient delivery details during onboarding.
- Build compliance and verification checkpoints for payouts.
- Integrate payout status reporting into your support workflow.
- Define exception handling for failed deliveries and returned funds.
Sales growth lever
Reliable payouts increase partner satisfaction. They also reduce churn for gig, creator, and marketplace supply. As you expand regions, a flexible payout rail can help you launch faster.
Watch outs
Coverage and behavior differ by region and recipient type. Avoid promising the same payout experience everywhere until you validate it. Also keep strong controls to prevent internal and external payout abuse.
Quick start checklist
- Map your payout use cases and recipient segments.
- Define the recipient data you must collect upfront.
- Build status visibility into your admin and support tools.
- Test exception and reversal cases carefully.
- Roll out region by region with clear metrics.
20. Tipalti
Payout operations are becoming part of brand experience. Partners expect smooth onboarding, clear tax workflows, and predictable payment timing. Tipalti supports this trend by combining payee onboarding with payout automation, which can reduce manual work and prevent costly errors.
Best for
Marketplaces, networks, and SaaS businesses that pay many partners, suppliers, or contractors.
Key workflows to configure
- Create a payee onboarding portal with required compliance steps.
- Configure payment approvals and separation of duties.
- Offer multiple payout methods so payees can choose what fits them.
- Automate reconciliation and payout reporting for finance.
Sales growth lever
Faster onboarding helps you activate partners quicker. A smoother payout experience increases partner retention and reduces support load. That can improve supply quality, which often drives customer satisfaction and revenue.
Watch outs
Configuration can get complex if your payee types vary a lot. Start with a simple model, then expand. Also keep careful control over permissions and payout approval rules to reduce internal risk.
Quick start checklist
- Segment payees by country, payment method, and compliance needs.
- Define onboarding requirements and approval steps.
- Integrate your payee database and payout triggers.
- Test payout cycles end-to-end with a small cohort.
- Review reconciliation output with finance before scaling.
21. Bill.com
Business payments are moving away from manual processes. Teams want faster approvals, better visibility, and fewer paper-based steps. Bill.com supports this trend by automating accounts payable and receivable workflows and centralizing approvals and payments.
Best for
Finance teams that want to streamline vendor payments and invoice handling.
Key workflows to configure
- Set invoice capture and approval routing based on department rules.
- Standardize vendor records so payments go to the right destination.
- Connect your accounting system to keep books in sync.
- Define payment timing rules that match cash flow strategy.
Sales growth lever
Faster, more accurate payables reduce operational drag. That lets teams spend more time on growth activities instead of chasing approvals. Better cash visibility can also help you negotiate supplier terms and avoid late fees.
Watch outs
Automation depends on clean vendor data and clear approval ownership. If permissions are messy, teams may route around the system. Invest in training and internal controls from the start.
Quick start checklist
- Audit current payables workflow and bottlenecks.
- Import vendor list and clean duplicates.
- Set approval policies by spend category.
- Run a pilot with a small group of vendors.
- Validate accounting sync before full adoption.
22. Ramp
Spend management is converging with payments. Businesses want tighter controls, better visibility, and less manual reconciliation. Ramp supports this trend by combining corporate cards, policy controls, and automated expense workflows that reduce finance overhead.
Best for
Companies that want to control employee spend while reducing time spent on expense reporting and approvals.
Key workflows to configure
- Create spending policies by role, team, or vendor category.
- Issue cards with limits and approval requirements.
- Automate receipt capture and accounting coding rules.
- Review vendor spend patterns to catch waste early.
Sales growth lever
Better spend controls protect margins. They also free up team time by reducing expense admin. When finance runs smoothly, leadership can invest more energy in growth and customer experience.
Watch outs
Controls can feel restrictive if you roll them out without context. Communicate policies clearly. Also align accounting categories early so reporting stays consistent across the organization.
Quick start checklist
- Define your spend policy goals and pain points.
- Connect accounting and set category mappings.
- Onboard a pilot group of employees and vendors.
- Review policy exceptions and tune rules.
- Expand rollout after reporting looks clean.
23. Modern Treasury
Payments operations is becoming a competitive advantage. High-volume money movement needs clean reconciliation, clear status visibility, and fewer manual interventions. Modern Treasury supports this trend by helping teams orchestrate bank payments and reconcile them with internal systems.
Best for
Businesses with complex money movement, multiple bank accounts, or high transaction volumes.
Key workflows to configure
- Connect banks and standardize payment initiation across accounts.
- Build a unified view of payment status and exceptions.
- Automate reconciliation to your ledger or accounting system.
- Handle returns and corrections with a repeatable workflow.
Sales growth lever
Cleaner operations reduce payment failures and support tickets. They also speed up cash application, which improves working capital visibility. When you can trust your money movement layer, you can launch new products faster.
Watch outs
Payments operations tooling needs strong internal data consistency. If you have messy identifiers or inconsistent customer records, you will feel friction. Start by cleaning your data model before you automate everything.
Quick start checklist
- Document all payment flows and bank accounts involved.
- Standardize identifiers for customers, invoices, and payments.
- Connect banks and test a limited payment flow first.
- Build reconciliation rules and validate outputs with finance.
- Expand to more rails after exceptions stay low.
24. Marqeta
Embedded finance remains a major trend because it turns payments into product features. Marqeta supports this by offering card issuing infrastructure that lets platforms launch branded card programs, spending controls, and real-time authorization logic that matches modern product needs.
Best for
Platforms and fintechs that want to launch branded cards, controlled spending programs, or embedded payments features.
Key workflows to configure
- Define your issuing program rules and spend controls.
- Implement real-time authorization decisions that match your product logic.
- Enable tokenized provisioning for wallet-based usage.
- Build dispute handling and customer support workflows for card issues.
Sales growth lever
Branded issuing programs can improve product stickiness. They can also open new revenue streams tied to spend volume. When customers use your card, they engage more with your ecosystem and services.
Watch outs
Issuing requires careful compliance, risk management, and operational maturity. You also need the right partners for program management and banking relationships. Do not rush the launch without a full support plan.
Quick start checklist
- Define target users and core card use cases.
- Map compliance, risk, and customer support responsibilities.
- Build authorization rules and test edge cases.
- Run a closed pilot with limited users and limits.
- Expand only after disputes and support are stable.
25. Galileo
Fintech infrastructure platforms keep enabling brands to launch banking-like experiences. Galileo supports this trend with APIs for payments, cards, and money movement features. It helps teams build modern financial products without starting from scratch.
Best for
Fintechs and brands building wallets, banking features, or payment products that require scalable infrastructure.
Key workflows to configure
- Design account structures and ledger logic for your product.
- Integrate payment rails and card processing workflows.
- Set up dispute handling and customer support processes.
- Implement fraud controls and monitoring signals from day one.
Sales growth lever
Infrastructure that scales lets you launch new features faster. It also helps you reduce outages and friction that damage trust. When customers trust your money movement, they keep balances and spend more within your ecosystem.
Watch outs
Infrastructure does not remove regulatory responsibility. You still need clear compliance ownership, partner management, and operational controls. Plan for audits, support, and incident response early.
Quick start checklist
- Define the product scope and required rails.
- Map compliance and partner responsibilities clearly.
- Build sandbox integrations and test core flows.
- Document customer support for payment and card issues.
- Launch a controlled beta and iterate quickly.
26. Persona
Identity is becoming central to payments performance. Teams want to stop fraud while keeping good users moving. Persona supports this trend by helping businesses verify identity during onboarding and build risk-based workflows that adapt to user behavior.
Best for
Businesses that need stronger onboarding verification for compliance, fraud prevention, or trust and safety.
Key workflows to configure
- Design verification steps that match your risk tiers.
- Create a fallback manual review process for edge cases.
- Verify businesses and not just individuals when your model requires it.
- Log verification outcomes so risk teams can tune policies.
Sales growth lever
Smarter identity checks reduce fraud while keeping signup conversion healthy. When you approve more legitimate users, you increase revenue without increasing marketing spend. Trust also improves repeat usage and retention.
Watch outs
Identity checks can frustrate users if they feel random or invasive. Explain why you ask for information and keep steps minimal. Also watch for bias and false rejects that harm good customers.
Quick start checklist
- Segment users by risk and define verification requirements.
- Implement a clear, branded verification experience.
- Set up manual review for uncertain cases.
- Update privacy and consent disclosures.
- Monitor approval rates and fraud outcomes weekly.
27. Forter
Fraud prevention now needs to protect revenue without adding friction. Forter fits this payment trend by focusing on identity-based decisioning that can reduce false declines. The economics also push teams to act. LexisNexis reports a $3.00 total cost for each dollar lost to fraud, which highlights how much more is at stake than the stolen amount.
Best for
E-commerce and marketplaces that struggle with chargebacks, account abuse, or manual review overhead.
Key workflows to configure
- Connect order, customer, device, and payment data sources.
- Run decisions in shadow mode first to benchmark outcomes.
- Define escalation steps for borderline cases and high-value orders.
- Set feedback loops from chargebacks and refunds into policy tuning.
Sales growth lever
Approving more good orders increases revenue immediately. Reducing checkout friction also increases conversion. When risk decisions become smarter, your support and operations teams spend less time cleaning up issues.
Watch outs
Automation can hide problems if you do not monitor it closely. Keep clear ownership and a regular review cadence. Also align fraud policy with your brand promise so you do not punish loyal customers.
Quick start checklist
- Define what “good” and “bad” outcomes mean for your business.
- Connect data sources and validate event quality.
- Test decisions in shadow mode before enforcing them.
- Train support on fraud-related decline and review scenarios.
- Track false declines, chargebacks, and refund abuse trends.
28. Riskified
More merchants want predictable fraud outcomes and less manual review. Riskified supports this trend by offering risk decisioning and models that can reduce chargeback exposure. For teams that grow quickly, it can also provide structure around fraud operations.
Best for
High-volume e-commerce businesses that need to reduce fraud losses while keeping approval rates strong.
Key workflows to configure
- Integrate order screening into your checkout decision flow.
- Align refund and cancellation policies with fraud outcomes.
- Connect chargeback events so models learn from real disputes.
- Build reporting for approval rates and decision confidence over time.
Sales growth lever
Better fraud decisions mean more approved orders with less risk. That directly increases revenue, especially during peak demand. It also reduces the hidden cost of manual review teams and slow fulfillment holds.
Watch outs
Fraud tools work best when your internal policies stay consistent. If you change refund rules often, you can confuse both customers and your risk signals. Keep tight alignment between fraud, support, and operations.
Quick start checklist
- Audit chargeback drivers and top fraud patterns.
- Integrate screening and validate event data quality.
- Review early decisions manually to build confidence.
- Document policies for refunds, cancellations, and holds.
- Monitor approval rate, chargebacks, and customer complaints.
29. Sift
Account takeovers and abuse now affect payment outcomes as much as stolen cards. Sift supports this trend by helping businesses detect risky behavior across signup, login, and transaction events. For many companies, protecting accounts is the first step to protecting revenue.
Best for
Marketplaces, subscription services, and digital goods businesses that face account takeover, promo abuse, or payment fraud.
Key workflows to configure
- Track behavioral events across signup, login, and checkout.
- Set adaptive friction steps for suspicious activity.
- Monitor promo code usage patterns tied to identity signals.
- Feed confirmed fraud outcomes back into model tuning.
Sales growth lever
When you prevent account takeover, you protect your best customers and reduce churn. You also reduce support load from disputes and refunds. A safer ecosystem increases trust, which often improves conversion and retention.
Watch outs
Risk scoring needs ongoing tuning. If you add friction too aggressively, you can hurt legitimate customers. Also keep privacy compliance tight, especially when you collect behavioral signals.
Quick start checklist
- List your top abuse patterns and where they start in the funnel.
- Instrument key events with consistent identifiers.
- Launch risk scoring in monitor mode first.
- Introduce friction only where it reduces real losses.
- Review outcomes regularly with fraud and support teams.
30. Circle
Stablecoins keep moving closer to mainstream payment infrastructure. Circle supports this trend by providing tools and networks around USDC and programmable value transfer. The adoption signals keep growing as well. Circle reports USDC in circulation grew by more than 78% year-over-year, which shows how quickly “digital dollars” can scale when businesses find practical use cases.
Best for
Global platforms exploring faster cross-border settlement, developer-led payment products, or stablecoin-based treasury workflows.
Key workflows to configure
- Define a stablecoin policy for treasury, custody, and permissions.
- Set compliance checks for counterparties and transfers.
- Build accounting and reconciliation workflows for onchain activity.
- Start with internal settlement or limited partner payouts before customer-wide rollout.
Sales growth lever
Stablecoin rails can reduce friction in cross-border settlement and payouts. Faster settlement can also enable new business models, like near-instant partner payouts. When you move value faster, you improve partner experience and unlock product flexibility.
Watch outs
Stablecoin operations require strong security practices and careful compliance work. Wallet security failures can become catastrophic incidents. Treat custody, access controls, and monitoring as core parts of the product.
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Quick start checklist
- Align legal, compliance, finance, and engineering on the use case.
- Choose custody and security approach with clear ownership.
- Run a pilot with low-risk internal or partner flows.
- Define accounting treatment and reconciliation steps.
- Expand slowly with monitoring and incident response plans.
Conclusion: Payment strategy now touches growth, operations, and trust at the same time. The teams that win treat payments as a set of small, testable improvements. They modernize checkout, expand payment choice, speed up payouts, and tighten risk without breaking user experience. Use these payment trends as a menu, pick what matches your business model, and ship changes in controlled steps. Over time, that approach turns payments into a durable advantage.