PAY360 2026

PAY360 is one of Europe’s flagship gatherings for payments and fintech, convening banks, PSPs, issuers, acquirers, regulators, card schemes, and fast‑growth fintechs to debate what’s next. In 2026, the industry is navigating rapid shifts: real‑time rails and request‑to‑pay are scaling, open banking is maturing toward premium APIs, and regulatory updates around PSD3/PSR, the EU AML package, and UK financial crime mandates are reshaping risk and compliance. Commerce expectations are also evolving, with embedded finance and B2B payments digitisation setting new standards for speed, transparency, and user experience.

For fintech operators, founders, risk leaders and product teams, PAY360 compresses a year of learning into two days—through case studies, regulatory briefings, and practical demos. It’s a chance to benchmark roadmaps against market leaders, understand what’s working in fraud prevention and SCA optimisation, evaluate new partners across issuing, acquiring and orchestration, and hear directly from policy shapers about timelines and obligations. With talent and capital allocation under scrutiny, the event helps teams prioritise: which innovations drive measurable conversion, which controls reduce loss, and which partnerships accelerate cross‑border growth.

As part of the PAY360 series, the 2026 edition will likely spotlight the commercialisation of open banking, AI in risk and AML, ISO 20022 data leverage, and the next wave of digital identity. If you build, buy or operate payments, PAY360 2026 offers clarity on direction—and practical pathways to execute.

Industry Relevance

Fintech in 2026 is defined by convergence: real‑time payments meeting open banking, card and account‑to‑account orchestration under one UX, and embedded finance moving deeper into B2B workflows. At the same time, regulation is intensifying—PSD3/PSR in the EU and evolving UK regimes tighten expectations on consumer protection, AML, fraud reimbursement, and data access. This combination raises the bar for compliance by design and pushes providers to extract value from richer payment and ISO 20022 data while keeping costs controlled.

PAY360 2026 sits at the centre of these trends. Expect practical guidance on monetising A2A payments, reducing false positives with AI/ML models, strengthening KYC/KYB with digital identity, and building resilient cross‑border payment stacks that meet local rules without fragmenting the customer journey. For scale‑ups and established institutions alike, the show helps align product, compliance, and commercial teams around a shared roadmap—where conversion, risk, and unit economics are optimised together. Attendees will also find a broad vendor landscape to evaluate core banking partners, compliance tooling, and orchestration layers that unlock faster market entry and expansion.

Our Coverage

Xace will not be exhibiting at PAY360 2026. Our team will track keynotes, regulatory updates, and product launches remotely and publish concise takeaways after the event. If you’d like tailored insights for your payments roadmap—or to discuss Xace’s business account solutions—contact us to arrange a virtual meeting during or after the show.

Key Topics

• Open banking commercialisation and premium APIs

• Real-time payments, request-to-pay and ISO 20022

• Fraud prevention, SCA optimisation and chargeback reduction

• AML, KYB/KYC, and evolving UK/EU regulatory updates (PSD3/PSR)

• Cross-border payments, FX and treasury optimisation

• Embedded finance and orchestration across card and A2A rails

• AI/ML applications in risk, compliance and operations