Westin St. Francis – San Francisco- August 5th – 7th, 2019

335 Powell St, San Francisco, CA 94102

Merchant Registration Fees

Early Bird Discount

January 1, 2019 – May 17, 2019 $825.00

Full Registration Fee

May 18, 2019 – August 7, 2019    $1095.00

Special Group Pricing

Register five (5) or more attendees at one time and save an additional $75.00 off of the current registration fee for Merchants.  

Non-Merchant – Registration Fees

Early Bird Discount

December 1, 2018 – May 17, 2019 $1695.00

Full Registration Fee

May 18, 2019 – August 7, 2019        $1895.00

Advisor Organization – Registration Fees 

December 1, 2018 – August 7, 2019      $1295.00

Innovation is a hallmark of our industry, and the PaymentsEd Forum is recognizing products that will soon make a difference in the online payments space.


Our innovation search committee has selected three top compelling and exciting products coming to market in 2019 to be demonstrated and voted upon by our merchant attendees at the 2019 PaymentsEd Forum in San Francisco, CA, Aug 5-7.


Please join us in congratulating our finalists:


Unlike other dashboards, Vizion is  an independent tool that gives in-depth visibility of a merchant’s payment arrangements. As well as looking at a merchant’s overall payments profile, our dashboard also allows merchants to drill down into their estate on a specific geographical or site-by-site level. Vizion also allows merchants to harness the power CMSPI’s vast client database to benchmark key metrics against competitors, on an ongoing basis – something other dashboards simply can not offer.


Arcus’ xChange API is a technology platform providing Merchants and Issuers the opportunity to work together to create a more integrated CNP payment experience for their shared customers. The connection allows merchants to increase customer acquisition, ensure card on file is up to date, and reduce fraud through data sharing. 

WebioPay’s conversational payments introduces mobile PCI compliant payments and processing into any customer messaging conversation via ‘blended AI’ chatbots and live agents. Powered by Spreedly, this integration enables merchants to launch a complete, seamless payments solution to transact with any of over 120+ PSPs in a few simple steps. 



Registration open 1:00 PM – 7:00 PM


Women in Payments, Risk, & Fraud Reception – 3:00 PM – 5:00 PM

Now more than ever, women are excelling in payments and fraud and greatly influencing the industry. As this community continues to evolve and diversify, it’s our mission to create opportunities allowing women to empower other women. Please join PaymentsEd and a panel of successful women in the payment space to discuss their careers and share lessons learned as they traversed the corporate ladder.

First Time Attendees Reception – 5:00 PM – 6:00 PM

Networking/Opening Reception Event – 6:00 PM – 7:30 PM



Registration open 7:30 PM – 4:00 PM


Breakfast – 7:30 AM – 8:30 AM

Cafe Connect – 8:00 AM – 5:00 PM

PaymentsEd 2019 Welcome – 8:30 AM – 8:45 AM

Combating Cybercrime in the Financial Services Industry – 8:45 AM – 9:45 AM

Theresa Payton

Payton discusses why the financial services industry’s investment in cybersecurity has not eliminated attacks and breaches, outlining three types of companies: those breached, those about to be breached, and those who don’t know they’ve been breached. With solutions on how companies can better secure their assets, Payton helps avoid negative impacts to your bottom line with insights on and strategies to manage emerging trends.

Break – 9:45 AM – 10:00 AM

Concurrent Sessions A – 10:00 AM – 10:45 AM

Fireside Chat – Visa

Roundtable –
Join representatives from VISA as we have an open dialogue where you can present questions in an intimate session to better understand how recent and upcoming changes to VISA programs will impact your business. This session is an open format without a set agenda or power point presentation.
A Topography of Payments Technology

Operations –
Most people think processing a payment is very simple. However, following a transaction along its path it becomes very apparent that many systems, networks, and players are involved. This session will explore the lifecycle associated with these transactions. With a specific focus on CNP transactions (both one-time and recurring) we’ll examine the rails a typical transaction may transverse and the various ecosystem players who each add a key piece of value. Standard terminology and the types of service providers who play (and overlap) in each space will be covered including e-commerce/subscription platforms, acquirers, gateways, fraud screening, settlement, reporting and others.
LATAM Payments Landscape: Mastering the Most Used Alternative Payment Methods

International –
Looking to tap into the 655 million people eCommerce opportunity the LATAM region has to offer? Are you familiar with the vast number of payment methods in the region? Can you provide cash and bank transfer solutions for your new clients? Are you aware of different UI particularities and roles that “”Cash””payments have in the region?
Join this session to become an expert in Boleto Bancario (Brazil), Oxxo (Mexico) and Bank transfers in Colombia, Mexico, and Chile. Learn how your business can benefit from accepting and effectively managing these locally-relevant payment methods.
The Regulatory Ripple Effect: GDPR & Beyond

Risk –
The emerging global regulatory environment, including GDPR and PSD2, is presenting new challenges for the ecommerce payments ecosystem. One of the challenges of introducing regulatory change is unintended consequences. In protecting the ecosystem, are we opening up opportunities for thieves to exploit new vulnerabilities before the industry has time to adapt? As a merchant, you need to be carefully considering the regulatory ripple effect and the impact it has on your business’ spanning storage and use of consumer data, the ability to fight the rising tide of friendly fraud, and continued vigilance in fighting genuine fraud.
“Fraud Alerts”: The Digital Merchant’s New Nemesis

Risk –
This session is a panel of digital merchants, moderated by an industry veteran. The digital merchants include one that operates on a Global Marketplace established in 1998 (Clickbank), as well as a newcomer that runs on virtual currency and micro-transactions (Epic Games / Fortnite). We will explore how these merchants (and others) are under attack from the same enemy — The Fraud Programs — and we will discuss the tactics that are winning the war on fraud.

Networking Break – 10:45 AM – 11:15 AM

Concurrent Sessions B – 11:15 AM – 12:00 PM

Fireside Chat – American Express

Roundtable –
Join representatives from American Express as we have an open dialogue where you can present questions in an intimate session to better understand how recent and upcoming changes to American Express programs will impact your business. This session is an open format without a set agenda or power point presentation.
Optimization 101

Operations –
Optimisation involves detailed analysis on your payment activity. Our aim is to undertake several layers of analysis to identify areas of improvement, striking a balance between increased sales and reduced transaction costs at the same time as enhancing your customers experience and providing you with a competitive advantage.

This session also aims to help manipulate data in different ways, focused on providing insights and recommendations specific to a merchant’s business model

Going Local Globally

International –
If you’ve ever heard that going local is better, you may be wondering what that really means. Payments acceptance is critical to fueling a company’s growth and opening market share in new regions. This session will provide an overview of what it means to go local on payments and the key considerations a company should address. Participants will review several merchant case studies that explore how these companies have tackled expansion.
Fighting fraud in M-Commerce: What you need to know

Risk/Security –
In-app purchases and mobile ordering are now the norm for how consumers make payments – from clothes, to vacations, to even paying bills. Invesp projected in 2018 that 1 in 4 e-commerce dollars spent would result from M-Commerce sales. This is expected to grow even more this year as the prevalence of mobile commerce increases — bringing an increased need for payments companies to add a mobile fraud strategy to their existing online fraud team to keep legitimate customers happy while stopping unsavory activity on their sites and apps. This session will discuss fraud issues in mobile payments and how things like probabilistic identity, machine learning, and behavioral analytics are making waves in risk prevention. Learn key strategies and best practices from companies like Facebook, Gusto, Google and Square that have become crucial for smart fraud fighters in keeping app-based transactions secure, quick and painless for good customers.
How to Approach Subscription Payments

Operations –
Ever wonder why subscription payments are so different? Want to brainstorm different ways other merchants have approached it and what has made them more successful? Tips and learnings from years of experience with Subscriptions/recurring/card-on-file/stored credential payments and going global, not just what you can do as a merchant but what you can ask your partners to help you with.

Lunch – 12:00 PM – 1:15 PM

Concurrent Sessions C – 1:15 PM – 2:00 PM

Innovation and Demystifying International Interchange

International –
“The topic of interchange is complex and for merchants who process internationally, each region has its own flavors, rules, and nuances. We will explore merchant case studies that use data modeling by seeking out interchange standard downgrades, and how these concepts can also be applied more broadly to other areas of the business (e.g. authorization rates, MCC behavior, etc.)

In this session, you will learn…

  • How merchants can maximize their business by understanding the impact of implementing AVS/3DS (impact analysis).
  • The ability to match cost data from the acquirers with detailed transactional information from your processor
  • The costs savings and additional benefits of understanding interchange”
Managing your Tech Stack: Is a single point of integration to your Payment Partners attainable?

Technology –
Merchants and Acquirers are working to minimize the number of technical integrations that they support.

Increased Costs to maintain and managed multiple platform integrations on aging platforms coupled with Payment FinTech innovation evolving at lightspeed is driving Merchants and Acquirers alike to reduce tech stack and build sustainable, nimble technology.

In our session we will discuss:

  • Is it possible to get to a single point of entry?
  • Will it provide comprehensive feature and functionality for your business?
  • Will it be scalable and “”future”” proof
  • Costs vs. functionality- are there limiting factors that will affect your budget?
  • Will it satisfy faster enablement of new products and services?
  • Will it enhance customer experience and need to support consumer choice preference?
  • What are the trade off’s and concerns?
How Data Impacts 3-D Secure and the Payment Ecosystem

Risk –
When all parties work together, we all benefit. There should not be finger pointing that the issuer is declining my good customer, or the merchant is not accepting the transaction from a good cardholder. We need to fight fraud, not each other! When all parties sit together on this panel, merchants will see how productive it is when the whole ecosystem works together.

Discussion Topics:

  • Why authentication matters?
  • Benefits of authentication and how it helps authorization.
  • What each party brings to the table and how we can remove fraud from the payments ecosystem.
  • What merchants should know about each party’s role in authentication.
  • What the merchant needs to do
  • What the issuer does
  • What is the network position
  • How the gateway helps
  • What the authentication provider does
Benchmark your payments performance against your peers

Operations –
Understand payments benchmarks across industries, providers, payment methods, and more, using the anonymized data of over 2,000 global merchants. During this session you will learn the average and range of approval rates, chargeback rates, and fees by vertical. Industry experts will apply real-life experiences so you leave PaymentsEd understanding how to benchmark your data against your peers to pinpoint areas for improvement and highlight areas of successes.

Mastercard Chargeback Representment Updates

Operations –
Join Mastercard as they discuss the most recent updates to their representment process

Break – 2:00 PM – 2:15 PM

Concurrent Sessions D – 2:15 PM – 3:00 PM

Payments Strategy is the New Marketing Strategy

Operations –
Most merchants see payments as just an operational way to capture revenue from customers they have already acquired through some form of marketing means.However, what they don’t seem to realize is that their payments strategy itself can lead to many new customer acquisitions, let alone retaining them for longer periods of time…either through payment vehicles they offer the customer to use for making payments, to how they can acquire customers through on-demand type paradigms, order ahead, card on file usage at retail locations etc. These & other means of their payments environment can be used to attract customers like never before. This is what we would focus the conversation around.
Goodbye Fraud, Hello Customer Experience

Risk/Security –
The payments ecosystem is at a crossroads. To date, the focus has been stopping fraud, but this journey is coming to an end. The new destination? Improved customer experience! That means more data available when and where users want it, smarter security and most of all less purchase friction (i.e. false declines). Unfortunately, thanks to regulations like PSD2 and strong customer authentication, as well as skyrocketing rates of friendly fraud, charting a course to success is easier said than done.

Thankfully, there are merchants and issuers making positive headway. In this panel you’ll hear from leading ecommerce merchants and issuers will outline what steps they and others are taking to simultaneously improve the customer experience while also fighting fraud and increasing revenue. It’s a brave new ecommerce world, but by travelling together, we’ll all reach our destinations!

Unique Uses of Multi-Layer Updater Data to Reduce Customer Churn

Risk/Security –
Banks issue new credit/debit cards every day due to fraud, lost or stolen cards, emerging partnerships, merchant updates and the ever increasing, company data breaches. A company that relies heavily on recurring renewal charges must ensure the most up to date and accurate card is on file at the time of billing or else risk Non Pay entry and ultimately, customer attrition. SXM has developed highly sophisticated updater card processes with daily cadences at optimal times in the renewal process. In addition to using the updater processes to update the most accurate credit card on file (the most common outcome of the process), SXM has designed and implemented a unique way to use the return data to drive additional marketing strategies and create numerous alerts for customers before billing. Through sophisticated algorithms, our payment processing teams created bin level alerts for certain bins not participating in the Updater program and those who may be showing higher than average declines. Marketing teams have successfully used the Updater return code dispositions to identify high risk segments of whom to contact with a pre-renewal message, notifying the customer of a potential card error. This has significantly decreased the card declines to noticeable levels, allowing the teams to focus on those harder to cure customers within the renewals stream, ultimately reducing overall customer churn. The presentation will focus on some real world examples and share the idea, challenges and successes associated with the implementation of the strategy.
VMPI/VCR Updates

Roundtable –
Get an update on these important Visa programs
I think this is the beginning of a beautiful friendship – (How Merchants and Issuers Learned to work together)

Operations –
Merchants and Card Issuers are highly dependent on each other. Over the last 50 years, they have each experienced frustration and directed blame at each other for many of the challenges they face regarding fraud and chargebacks. It has been challenging for Merchants and Issuers to work and interact with each other directly, so the concerns and the fundamental problems behind them have gone unresolved.

Times are changing, technology is advancing, and Merchants and Issuers are now working together. The two parties have come to realize they have a common problem and equal motivation to solve it. Learn how Merchants and Issuers have found surprisingly common ground and how they can work together to prevent fraud and chargebacks, as well as increase overall sales volume and improved customer experience.

Mastercard Roadmap – 3:30 PM – 4:00 PM

Join Mastercard as they walk through upcoming changes that impact merchants.

American Express’ Online Roadmap – 4:00 PM – 4:30 PM

American Express will share its road map focusing on products and operating regulations/policies directed towards our online customers. The road map will show what we’ve done,what we’re doing, and what we’re thinking about for the online space.

Daily Wrap-Up – 4:30 PM – 4:45 PM



Registration open 7:30 PM – 4:00 PM


Breakfast – 7:30 AM – 8:30 AM

Cafe Connect – 8:00 AM – 5:00 PM

Concurrent Sessions E – 10:00 AM – 10:45 AM

Fireside Chat – Discover

Roundtable –
Join representatives from Discover as we have an open dialogue where you can present questions in an intimate session to better understand how recent and upcoming changes to Discover’s programs will impact your business. This session is an open format without a set agenda or power point presentation.

Latin America: Merchant strategies for enabling a digital economy in a cash-dependent region

International –
The digital and app economy in Latin America is growing rapidly, with services like Uber, Spotify, Netflix and other digital companies continuing to grow in double digits. Nevertheless, the region remains highly dependent on cash, making it difficult for international merchants to access at least 50% of the population. This is especially true for merchants with a subscription business model dependent upon credit cards. This presentation will provide background into the Latin American payments landscape, describe the challenges international merchants face in the region, provide strategies and best
practices to maximizing revenue in the region and forecast innovative payment trends that may help merchants plan for the future.

Global Payments & Risk Awareness 101

Risk –
Staying aware of financial regulations is critical to a company’s business model and growth. Topics addressed will focus on legal issues, risks, and opportunities. There will be a strong focus on financial services regulations, consumer protection, AML, KYC and sanctions. Furthermore, this session will deep dive into the payments ecosystem (e.g., the role of acquiring and issuing banks, card networks, payment processors, gateways, risk vendors, etc.), and regulatory implications.

Selling Payment Operations as a Corporate Strategy

Operations –
Does your company consider your payment operations team a cost of doing business or as a source of ideas to increase customer retention and satisfaction? Are you actively involved in the strategic roadmap planning for your development teams?

Following numerous less than satisfactory experiences with third party service providers Experian chose to make payments a forefront of their customer retention strategy. Hear how an operations team “”made the case”” to bring all payment operations in house. What worked, what didn’t work, and where we are headed next. Most importantly walk away with ideas on how you can do the same back at your company

Industry Collaboration Now Tackling the New #1 Problem: False Declines

Operations –
The ecommerce industry has woken up to the fact that the best way to fight fraud involves breaking down the barriers in the changing four-party payment model. The focus now is all about false declines, payment acceptance and customer experience. Fraud is friction and the best way to address the downstream false decline problem is deepening ties between card issuers and merchants. The secret: finding unique and effective ways to share the right data elements at the right time to drive a better customer experience and increased revenue for all.

Join us in this session as we present some new findings based on empirical research with merchants and card issuers currently working with Ethoca to find new ways to win the customer experience battle.

One eCommerce Flow to Rule Them All

Operations –
3DS 2.0 promises to solve authentication for merchants across all card networks, small and large, globally. Network tokens, the backbone of Apple Pay and Android Pay, are PAN 2.0 and promise to completely cure card declines due to account number and expiry date changes. Secure Remote Commerce provides consumers with a uniform eCommerce checkout button as recognizable as the contactless “”three sausages in a pan””.

Is a standards-based eCommerce flow achievable? Is this the real life? Is this just fantasy?

Following a merchant-relatable review of network tokens, 3DS, and SRC, a panel of global enterprise merchants will share performance data and experiences from tests with network tokens and 3DS2, revealing the benefits and readiness of technology that will be the backbone of eCommerce 2.0.

Networking Break – 10:45 AM – 11:15 AM

Concurrent Sessions F – 11:15 AM – 12:00 PM

Fireside Chat – Mastercard

Roundtable –
Join representatives from Mastercard as we have an open dialogue where you can present questions in an intimate session to better understand how recent and upcoming changes to Mastercard’s programs will impact your business. This session is an open format without a set agenda or power point presentation.
Blueprint to Successfully Launching and Operating Cross-Border E-Commerce in Indonesia

International –
While ranking as the 4th biggest population worldwide, Indonesia is the least developed e-commerce market in Southeast Asia today. Even so, the market size is expected to grow to $11 billion by the end of the year, almost four times its size four years ago. This session will discuss the payments landscape in Indonesia while focusing on popular e-commerce payment options such as digital wallets, bank transfers, and cash. As an emerging e-commerce market, there is much to find out about Indonesian payments. Join us to learn how to unlock the Indonesian potential.
Why We Love AND Hate Tokenization

Risk –
Tokenization can be either the bane of your existence or a time saver you couldn’t do without. With these polar opposite impressions of this service, how can any merchant chose or adapt to the choice they have made regarding tokenization? Let us be your guide to becoming MORE CONFUSED about Tokenization and its impacts to your organization. Even if you have already converted to this security approach, join us to see areas where your company may be experiencing impacts you could address. If you’ve been considering the leap but haven’t made your move yet, come allow us to provide you with scope creep for your upcoming project! If you are a die-hard tokenization hater, come hear the other side. We will be discussing a variety of pros and cons of this service.
BIN/Customer Analytics and Updater Processes

Operations –
Join other merchants to discuss and share BIN/Customer Analytics and Updater processes. This merchant driven session will focus on using data to drive higher approvals and understanding the customer behavior. Come prepared to share and learn how other merchants manage these opportunities.

Lunch – 12:00 PM – 1:15 PM

Concurrent Sessions G – 1:15 PM – 2:00 PM

India Fintech – How to Leverage the Opportunity

International –
Merchants will learn how payments in India payments differ from the rest of world, while separating hype vs reality, providing examples of what works and what doesn’t as we share how global/non indian e-commerce and payment companies make the most of the India opportunity.
Merchant Only: Tokenization Implementation

Technology –
Join your peers to discuss how your implementations, relationships with partners and lessons learned about tokenization. Leave with connections you can leverage back at your company.
It Runs in the Family Fraud

Risk –
Home is where the heart is – and where the riskiest type of fraud lurks around every end table. Looking at the advancements in home technology with digital assistants on the rise, and the growing use of in-game purchases by tweens, family fraud has been rapidly increasing.

Families are forever – but they’re also subject to credit card fraud, even when they don’t mean to be. Digital merchants will learn how to prevent the drama of family fraud and chargebacks, as well as the importance of a tight-knit dispute management process.

Visa Claims Resolution Update

Risk –
VCR – what you need to know about Visa’s chargeback program
Fireside Chat – Mastercard

Roundtable –
Join representatives from Mastercard as we have an open dialogue where you can present questions in an intimate session to better understand how recent and upcoming changes to Mastercard’s programs will impact your business. This session is an open format without a set agenda or power point presentation.

Break – 2:00 PM – 2:15 PM

Concurrent Sessions H – 2:15 PM – 3:00 PM

Changes in Visa Regulations and How to Leverage Those Changes

Risk –
In April of 2018 Visa changed is policy on CVN no match fraud liability. Allowing merchants to accept payment transactions that had a CVN no match without fear of fraud liability. Ancestry was in a position much like many merchants blocking transactions at our end that resulted in a CVN no match regardless if the transaction was accepted or rejected by the issuing bank. This allowed for a great case study on the impact of settling on these transactions and the impact to authorizations and the downstream effect on chargebacks. Join us to learn simple actionable items for merchants to take out of these session.
Method of Payment Switching

Operations –
Many companies with subscriber billing are experiencing increased amounts of customer payments being switched from the customer intended ACH home banking payments to credit card payments. This practice has been supported by some card networks and banned by others due to the “ethical” considerations inherent in the process. We would like to create a panel of billers who are receiving these credit card payments through these payments processors to discuss the problems it causes for their company.
Merchant Only: PSD2

Risk –
Join this merchant only discussion and be prepared to share with your peers how your company has responded to the PSD2 directive.
Pinless Debit – Opportunities and Implementation Challenges

Operations –
Pinless Debit is often mentioned as a big opportunity for both fee savings and authorization uplift. While the benefits will vary by merchant and their respective vertical and customer case, the implementation itself is rarely discussed. Hear merchant experiences of what they’ve seen first hand, the challenges faced during the implementation and integration, and things to monitor and watch out for to ensure the best chance for a successful rollout.

Merchants should understand what to look for when they assess whether they should implement pinless debit. This includes knowing the limitations of certain fields such as AVS, understanding the different chargeback rights and fraud programs, and knowing not just the switch and interchange fees – but the potentially punitive chargeback fees.

Break – 3:00 PM – 3:15 PM

Innovation Lab – Winner Presentation – 3:15 PM – 3:30 PM

Visa Main Stage – 3:30 PM – 4:00 PM

Discover Presents Jordon McKee – 4:00 PM – 4:30 PM

Customer Experience: A prerequisite for payments and commerce innovation

Speaker – Jordan McKee (451 Research)

Jordan McKee, Research Director at analyst firm 451 Research, will deliver a detailed view into the primary market forces, trends and technologies that are upending the retail payments value chain and creating new battlegrounds for all ecosystem participants. His session will hone in on the implications of key topics impacting the point of conversion, including machine learning, digital wallets, SRC and the rapid growth of m-commerce.

Daily Wrap-Up – 4:30 PM – 4:45 PM

Closing Reception – 4:45 PM – 6:15 PM

14 West/The Agora Companies

Adobe Inc


Amazon Inc.

American Express

American Home Shield

Americas Market Intelligence




Blackboard Inc



Chargeback Gurus

Children International

Chubb Ltd

Clarus Commerce


Constant Contact/Endurance

Credit Simple

Crutchfield Corporation

Datum Software

Digital River


Discover Financial Services

Dish Network


Dunkin’ Brands

Dynadot LLC


Epic Games, Inc.



Expedia Group




First Data





Hallmark Labs

HelloFresh SE

Higher One



JCB International Credit Card Co., Ltd.


Jordan Pierce???

JPMorgan Chase

Juice Plus




McDonald’s Corporation

Meredith Corporation


Nations Info Corp


New York Times


Nintendo of America Inc

OPG Online Personals Group AG


Payment Operations Group, LLC

PaymentsEd Forum



Platphorm LLC


Polly Bauer and Associates Inc.



Rebar Technology Solutions

Retail Payments Global Consulting Group


Salesforce Foundation

Scalable Commerce


Sentry Insurance



sirius xm

Sling TV



Stansberry Research


Symantec Corp-REM

Synapse Group Inc.

SynerG Marketing

The College Board

The Shubert Organization

The Washington Post

ThinkDirect Marketing Group



TN Marketing, LLC


Verifi, Inc.

Verizon Connect

Vesta Corp.

W. Capra Consulting Group






Wyndham Destinations

Yelp, Inc