Schedule

Tuesday
10:00 am
10:30 am

PDT

Join this Mastercard presentation to learn more about the challenges merchants experience as more consumers move to digital. How knowing your customer in a digital challenge can add friction to the consumer experience. What is Digital Identity and how it increases trust and lowers friction.

Tuesday
10:45 am
11:15 am

PDT

With over 1 billion potential customers shifting towards online trade and 400 million internet users in Africa – the second-largest internet-user population, just after China – cross-border eCommerce is projected at $75 billion for Africa’s leading economies by 2025.

Nevertheless, each country has its particularities and challenges. Nigeria is driving growth for eCommerce and digital payments services for the near future through cashless initiatives. Egypt and Morocco’s economies are heavily based on cash payments. Kenya’s digital economy is booming, and South Africa is one of the most advanced when it comes to e/mCommerce.

Our session will focus on the nuances around Africa’s major eCommerce markets, including Egypt, Kenya, Morocco, Nigeria, and South Africa. We aim to show how each country has its unique commerce environment and why it is critical for international merchants looking to access these markets to take a localized approach to their payment strategies

Tuesday
10:45 am
11:15 am

PDT

Challenges specific to the subscription merchant
– auth/approval and retries aren’t necessarily the best measure of success.
– What benchmarks DBX uses (and how that’s changed over time)
– Metrics – Invoice Approval rates vs other types of Approval Rates
– How we measure
– What are other ways to measure approval along with the pros and cons of each.
– Cross-functional partnership – how we closely partner with cross-functional teams to track and monitor success.

Tuesday
10:45 am
11:15 am

PDT

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.

Tuesday
10:45 am
11:15 am

PDT

It seems we’ve been talking about EMV 3-D Secure (formerly known as 3DS 2.0) for years. Where are we today? How is adoption going in the U.S. and internationally? What are the other options? And as merchants, what do you need to do? What are the differences between EMV 3DS versions 2.1 and 2.2, and how does that impact merchants? We’ll also talk about PSD2s Strong Customer Authentication requirement since enforcement has been delayed, what do merchants need to do, and when?

Tuesday
11:25 am
11:55 am

PDT

As digital wallet usage and online sales soar now is the time to insure you are optimizing for maximum sales. Join expert Neeraj Gupta to understand the latest trends and best practices for supporting the most popular payment methods and prepare yourself for what is yet to come in the payment landscape.

Tuesday
11:25 am
11:55 am

PDT

Join your peers in an open discussion where you can share experiences, best practices and ask questions related to going international. Come prepared to engage as there is no set agenda or power point presentation.

Tuesday
11:25 am
11:55 am

PDT

With more and more fraud prevention and authorization optimization solutions becoming available to merchants, dive into this session to understand best practices and myths about authorization services. Within this session, we will focus on defining and how to best utilize network solutions like:
Account Status Inquiry (ASI)
Address Verification Service (AVS)
Card Verification Code (CVC2)
Account Updater (ABU)

Tuesday
12:05 pm
12:35 pm

PDT

As more shoppers open their browsers to buy what they need, fraudsters are also feeling ripe with endless opportunities and vulnerable merchants. Online skimming attacks targeting e-commerce websites to steal card data is increasing, with several popular merchants hit in the past two years. This means it is crucial for merchants to be more aware and vigilant, especially considering these online skimming attacks could potentially cost merchants future sales or lost customers. This session will examine the rise of e-skimming attacks, as well as the best practices for merchants to follow to combat the fraudsters and prevent them from happening in the first place.

Tuesday
12:05 pm
12:35 pm

PDT

Application Programming Interfaces (APIs) have become the standard for message communication in payments. Their proliferation has enabled innovation and speed to market for both merchants and service providers. Understanding how APIs operate is important for any payments professional, even if they don’t work in IT. This session examines how APIs work, how they apply to CNP payments and provides a live demonstration of APIs in action.

Tuesday
12:05 pm
12:35 pm

PDT

In this talk, we will present our findings on how merchants using multiple gateways can implement a variety of routing strategies to uplift their transaction success rates. Our aim is to educate merchants who may not be familiar with routing, as well as refresh the knowledge of those who are. Merchants will walk away with actionable strategies to improve their payment performance.

– Learn the basics of several routing strategies such as card logo/brand-based, BIN, failover, cost, and more. Learn how each type of routing works, and which makes sense for various types of merchants.

– We will present our research on analyzing the data from millions of card-not-present transactions. We’ll showcase the results and elaborate on how each routing strategy helps improve overall success rates.

Tuesday
12:45 pm
1:15 pm

PDT

The latest trade war by the political and logistical barriers that US & Chinese eCommerce companies are facing in mature markets is forcing the U.S. and China to seek a neutral ground where they can focus their resources on achieving growth. At the same time, emerging markets like APAC, LATAM & MENA are facing a rapidly growing online shopping audience, turning these regions into real blue oceans and the perfect ground for setting the battleground.

India has faced extraordinary growth and social change; Latin America shows a vast 655 million people eCommerce extremely profitable market for merchants looking to expand internationally. However, emerging markets offer real challenges for foreign companies when expanding their business due to the significant differences in infrastructure, culture, and continuously changing regulations and government policies across these regions. Also, accepting payments is a complicated task, and while being increasingly profitable, the challenge for reaching the market share they target is a complex mission.

This session will uncover the key elements these companies must understand the local payment nuances and which payment strategy companies like Amazon, Microsoft, and Netflix use to tackle the payment barriers.

Wednesday
10:00 am
10:30 am

PDT

We’re a visual society. Fueled by social media, mobile devices, and other digital trends – we rely just as much on user-interfaces and graphics as we do language to get the information we need. But when it comes to the post-transaction experience (especially the point where cardholders review their statements online), this rich visual detail is sorely missing. The outcome? Soaring cases of friendly fraud resulting from transaction confusion that hurts the customer experience and costs merchants sales, goods, and chargebacks fees.

In this presentation, Ethoca’s Keith Briscoe – a payments and fraud expert with over 20 years of experience – will explore how visual information (like clean descriptions and clear merchant logos) in digital banking applications can reduce this growing problem and greatly improve the payments experience and ecosystem.

Wednesday
10:45 am
11:15 am

PDT

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 programs will impact your business. This session is an open format without a set agenda or power point presentation.

Wednesday
10:45 am
11:15 am

PDT

Sirius XM used credit card data and bin level analytics to proactively forecast and predict the ROI of a brand-new acquisition program with bundles for the subscription business. These credit card and bin level analytical findings helped optimize the program much before the final LTV calculations and guided the strategy to restructure the program. The history of the CC data provides metrics which are leading indicators to retention and customer lifetime value forecasts.

Wednesday
10:45 am
11:15 am

PDT

There is a meaningful business case for enterprise merchants to utilize an abstraction layer that consolidates payments functionality into a single business-oriented architecture. The payments ecosystem is complex, exacerbated by fragmentation. No single Payment Service Provider can fully service every market and each merchant must develop the exact same logic and requirements to comply with the changes imposed by the card schemes. In-house solutions are typically engineering-driven and since payments expertise is rare among engineers, most legacy architecture is manual and burdensome on IT. The proposed business-oriented architecture called a Payments Orchestration Layer (POL), addresses these above challenges. POLs are built on four key pillars of global connectivity, smart routing, real-time ledgers, and end-user tools. This architecture allows merchants to use payments to further pursue their goals of enhancing the customer experience, lowering costs and supporting market growth.

Wednesday
11:25 am
11:55 am

PDT

Join your peers in an open discussion where you can share experiences, best practices, and ask questions regarding how COVID-19 has impacted your business. Come prepared to engage as there is no set agenda or presentation.

Wednesday
11:25 am
11:55 am

PDT

Friendly fraud is a huge (and growing) problem.  According to Javelin, it doubled in 2018 – increasing from 7% to 15% of all fraud victims. Whether it’s benign or hostile the result is the same: Unnecessary chargeback costs, lost revenue, increasing false declines and a poor customer experience. And that’s just to start! There’s also a long list of hidden consequences that stem from the friendly fraud ripple effect.

The difference between then and now? New solutions exist to fight back – and savvy merchants are taking full advantage.

Ethoca’s Steve Durney will present the latest industry statistics and predictions for friendly fraud, demonstrate case study results from businesses who are successfully turning the tide, and reveal best practices for those looking to do the same.

Wednesday
11:25 am
11:55 am

PDT

India is undergoing a fantastic transformation. With its e-commerce growth projecting about five-fold to USD 1 trillion by 2023, it holds tremendous opportunities for digital goods companies and online retailers looking to expand. Nonetheless, India’s payments landscape holds many challenges.

India’s Government and the Reserve Bank of India have increased the security of card transactions, thus limiting cross-border online transactions, alongside having complex tax rules and unique payment options, which makes it quite challenging to reach this market.

How can international merchants avoid adding friction to the checkout process and losing valuable, card-paying customers? We will discuss the various opportunities that India holds and how to achieve these with a successful cross-border payment strategy. Also, how India’s fast-changing regulations are helping in the generalization of digital payments, and why payment methods such as UPI became as relevant as they are today.

Wednesday
12:05 pm
12:35 pm

PDT

Tune in to learn about the complexities and nuances of a recurring revenue model at scale. The subscription landscape is evolving quickly and more businesses than ever are leaning towards a recurring revenue model as a dependable, sustainable way to grow. Learn how to best approach your holistic recurring payments and billing strategy.

In this session you’ll learn:
How to navigate the complexities of recurring payments and billing
Strategies to reduce involuntary churn
Important considerations when scaling globally

Wednesday
12:05 pm
12:35 pm

PDT

LatAm markets are facing a rapidly growing online shopping audience, becoming the target of global companies looking to drive loyalty and position themselves as locally-savvy brands.

Accepting payments globally is, in itself, a complicated task. While increasingly profitable, reaching large-scale targeted market share is challenging and a complex mission. Therefore, to achieve sustainable revenue growth, adding alternative payment methods is a must to provide a frictionless payment solution. 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?

This session will cover everything relevant about cash payment methods like Boleto Bancario (Brazil) and Oxxo (Mexico), and how Bank transfers in Colombia, Mexico, and Chile have become so predominant. Learn how your business can benefit from accepting and effectively managing these locally-relevant payment methods.

Wednesday
12:05 pm
12:35 pm

PDT

Continued growth in global e-commerce requires consumer convenience and confidence in remote payments.

To support these rapidly advancing payment trends, technical body EMVCo works in close collaboration with the payments ecosystem to develop and evolve the EMV® Specifications for EMV Secure Remote Commerce (SRC) and EMV 3-D Secure (3DS) to ensure they continue to meet expanding industry requirements.

Delegates attending this presentation will receive an update on EMVCo’s latest work efforts related to EMV 3DS, and an overview of its recently published set of specifications that enable the creation of a ‘virtual payment terminal’, known as EMV SRC. The presentation will also provide insight into the payment icon, which signals EMV SRC availability at participating remote-checkout environments, and an explanation of how the EMV Specifications converge to deliver safe, seamless online commerce experiences.

Wednesday
12:45 pm
1:15 pm

PDT

How have consumer shopping and payment preferences shifted since the outbreak of COVID-19? What solutions can U.S. merchants and payment partners adopt to meet the rising need for a touch-free and more digital payments process? How have fraud patterns changed – for better or worse – and what should e-commerce merchants and partners be on the lookout for? In this session, speakers from American Express and Accertify, an Amex subsidiary focused on fraud prevention and management, will highlight emerging payments and fraud trends, along with advice on how merchants and the payments ecosystem can best support customers in response to these changes.

Thursday
10:00 am
10:30 am

PDT

Join this Discover Global Network presentation to learn more about the evolution of artificial intelligence leveraging voice recognition for conversational commerce. This session will include natural language processing, authentication challenges and the consumer shopping experience.

Thursday
10:45 am
11:15 am

PDT

One of the most important aspects of the Merchant-Consumer interaction is a topic both parties avoid – Communication.

Whether it’s during the sale, inside Terms and Conditions, the Refund Policy, or even within a Chargeback, there are things a Merchant can and should do to encourage and partake in more open communications with their Consumers – and vice versa.

Especially during these very difficult times when the COVID-19 Pandemic has shifted every ‘truth’ we knew about eCommerce, it’s more important than ever to build a communication bridge between the Consumer and the Merchant. We will discuss your communication in a variety of contexts, from COVID-19 to Holiday Shoppers and even your shifting ’Target Audience’.

In this session, we’ll try to view our own actions through the lens of the ‘other side’. This approach will be designed to assist Merchants in identifying ways to really talk to Consumers and be heard – and conversely, to listen to what’s not being said by their buyers.

There are some common-sense measures but there are also some short-term and long-term advantages to having an engaged, communicative customer base and we are going to open up that topic…We are going to verbalize that Unspoken Argument.

Thursday
10:45 am
11:15 am

PDT

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

Thursday
10:45 am
11:15 am

PDT

Open Banking presents a hopeful vision for the future of the financial services sector. Thanks to the advancement of technology, we’re seeing disruption to legacy banking systems, and a move towards a world of open data. This will enable customers across Europe to actively own their financial data and choose how they want to bank, save and pay.

With Open Banking, third-party providers (TPPs) can offer customers a wealth of new and automated services beyond their standard bank offerings, such as what products to buy or even advice on who to bank with. However, European banks and the financial sector still have work to do to reach this future.
Open Banking and PSD2 will help introduce more innovative financial products and banking services than we’ve seen before. When implemented properly, Open Banking will foster a seamless Europe-wide payment system along with the rise of invisible banking and automated advice solutions that manage customers’ money. There is so much opportunity in the fintech and Open Banking sector, now we just need to see how quickly we can get there, and what banks and TPPs can do together to move this process forward.

To help better understand this future, PPRO will present a detailed look at the Open Banking landscape, its benefits, challenges and the future.

Thursday
11:25 am
11:55 am

PDT

Join your peers in an open discussion where you can share experiences, best practices and ask questions related to recurring and installment billing payments. Come prepared to engage as there is no set agenda or power point presentation.

Thursday
11:25 am
11:55 am

PDT

This session will provide merchants with an overview of recent developments impacting and practical tips for compliance with federal and state laws and card association rules governing card not present recurring billing subscription programs. New laws in Vermont, the District of Columbia, and North Dakota, as well as new VISA rules for free trials, will have a significant impact on subscription merchants in all product categories.

Thursday
12:05 pm
12:35 pm

PDT

Round II is here! We are redoing this event to allow those who missed it the first time the chance to take part.

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.

Thursday
12:05 pm
12:35 pm

PDT

All eyes are on the growth of LatAm. Internet usage is at an all-time high & spending power continues to climb. These market advances shouldn’t overshadow the realities of the region. Only 20% of Latin Americans have an international credit card and the majority prefer to shop with traditional payment methods like cash. Yet, the demand for cross-border commerce rises. Global brands are eager to reach the region, but blanketed generic approaches won’t work. Brands are missing the mark in truly understanding the intricacies of success in this region: LatAm customer obsession.

EBANX will share exclusive research surrounding market growth, consumption habits, & payments of Latin American consumers in Brazil, Colombia & Mexico. Audiences will leave with actionable payments information that will equip them with the ability to:
-Get to know the LatAm consumer & how to reach them
-Understand the payments landscape and challenges
-Navigate roadblocks to optimize LatAm’s market growth

Thursday
12:05 pm
12:35 pm

PDT

Getting customers? Easy. Keeping them? Not so much. While your business’ growth strategy may focus on customer acquisition, a viable churn management solution is just as important. Join us as we discuss 5 keys to successful churn management, including:

• delivering great subscription experiences
• identifying high-risk subscribers
• importance of a good recovery/recycling strategy for failed payments
• understanding long-term impact on revenue of increased customer lifetime value
• steps to solving active vs passive churn

Thursday
12:05 pm
12:35 pm

PDT

Join Visa as they provide an overview of recently updated acceptance policies, including enhanced requirements for subscriptions using free trials and updated policies for reattempting declined transactions. The changes are designed to promote an enhanced consumer experience, improve ecosystem health & confidence in transaction data, but also provide greater flexibility to merchants

Thursday
12:05 pm
12:35 pm

PDT

Join Peter Kovacs, Sr Product Manager with the New York Times take a deep dive into key metrics where merchants will learn why they’ve been important for the New York Times and Peter to track as it relates to subscription services and recurring billing.

Thursday
12:45 pm
1:15 pm

PDT

While the Visa Claims Resolution initiative improved the dispute process, stakeholders continue to seek improved ways to prevent and resolve disputes. Visa’s acquisition of Verifi created additional opportunities to enhance dispute management. Visa’s risk and fraud management solutions, combined with Verifi’s pre-dispute solutions, PREVENT (Order Insight®, formerly VMPI) and RESOLVE (Cardholder Dispute Resolution Network™ and Rapid Dispute Resolution) foster brand-agnostic collaboration between all stakeholders, delivering intelligent data-driven services.

Friday
10:00 am
10:30 am

PDT

Changes in consumer spending has inevitably shifted during the recent pandemic. By harnessing the power of your transaction data, you an measure actual shifts in shopper behavior, optimize strategies for navigating the new normal and set yourself up for success and recovery. Join Melissa Lagrange as she focuses on how to leverage your processed transaction data to answer some of your most pressing questions on spending.

Friday
10:45 am
11:15 am

PDT

3DS/3DS2 laid the foundation for greater data exchange in the card payments flow. Network tokens gave issuers the confidence of using secure payments instruments. Let’s bring all this together and make it work for a better cardholder experience by allowing merchants to authenticate payments via delegated authentication and using issuer’s€™ push notification via secure remote commerce; and all this via a single plug-in for merchants.

This session aims to educate attendees on the authentication evolution and how SRC, Network Tokens and 3DS revolutionized secure payment processing, opened up new acceptance channels via open source integration, and built trust in the ecosystem to exchange merchant user data and issuer authentication methods used for smart processing decisions.

Friday
10:45 am
11:15 am

PDT

You may be surprised by who’s targeting small business. Over the next five years, analysts project that small and medium businesses will be hit with more than $130 billion in losses due to payments fraud. But even more troubling is that nearly 50% of small business owners think they are too small to be noticed by fraudsters.

Fraud schemes are only getting more sophisticated. From account takeover to card testing, merchant identity theft to chargebacks, there are many tools at fraudsters’ disposal. And you never know who could be behind it. Bring fraud into focus, and learn best practices for proactive fraud prevention to protect merchants from falling victim to the latest fraud tactics.

Friday
10:45 am
11:15 am

PDT

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 programs will impact your business. This session is an open format without a set agenda or power point presentation.

Friday
11:25 am
11:55 am

PDT

The deep recession that began in March resulted in severe disruptions to economic activity and dramatically reduced the number of Americans working. Now, the focus is shifting to the recovery and how to navigate the next few months as COVID cases continue to surge on a regional basis. Wayne Best, Visa’s chief economist, will outline the latest outlook including Visa’s new spending momentum index. A review into the changing spending habits of consumers will also be provided.

Friday
12:05 pm
12:35 pm

PDT

Despite ongoing process improvements and new mitigation solutions, the ecommerce industry is still expected to lose more than $31 billion to chargebacks in 2020. But why is this the case? How much is the result of the COVID-19 pandemic? What else can merchants do to minimize the risk?

To answer these questions, one needs experience working with all the stakeholders in the chargeback lifecycle. Thankfully, Ethoca’s Mike Pullen has just that.

In this presentation, Ethoca’s resident chargeback guru will provide a comprehensive overview of the recent changes to the chargeback landscape. He’ll identify new events on the horizon that merchants need to know about, and – most importantly – lay out the strategies they need to implement to ensure that they protect themselves from this costly threat.

Friday
12:05 pm
12:35 pm

PDT

Join your peers in an open discussion where you can share experiences, best practices and ask questions related to dispute management. Come prepared to engage as there is no set agenda or power point presentation.

Friday
12:05 pm
12:35 pm

PDT

Synthetic ID fraud is a huge problem facing the payments industry that impacts everyone merchants, FIs and consumers. Combining fake information, such as a fictitious name, with real personal data, (e.g., a stolen Social Security number), to create fraudulent payment accounts leads to financial loss in time and money. Unlike other types of fraud, synthetic identity theft seldom presents an obvious consumer victim, which means the costs are more likely to fall on the merchant. To make matters worse, some fraudsters, double dip and buy products through fake cardholders, then claim the purchases were never delivered. They file a chargeback to the banks, the costs of which are all dumped on the merchant. This session will provide recommendations on how to identify and mitigate these fraud attempts. Participants will also leave the session with a better understanding of the gaps in the ecosystem that are enabling synthetic ID fraud and the progress in developing a solution.

Friday
12:45 pm
1:15 pm

PDT

The subscription industry is booming, but that doesn’t mean growth is guaranteed. FInd out how to reduce involuntary churn and optimize your collections strategy from Adyen Product Specialist Sophia Goldberg, as she shares tips for avoiding declines with token lifecycle management tactics, and how to best approach retries to optimize collections.

Friday
12:45 pm
1:15 pm

PDT

High-growth markets have become expansion targets for the most significant global companies. Although markets like India and LatAm have been increasingly profitable, accepting local payments remains a very complicated task. For merchants, reaching the targeted market share is a complex mission due to the significant differences in culture, financial systems infrastructure, and an ever-changing regulatory environment.

Nevertheless, in order to reach these markets, companies must understand the local payment nuances and keep up with the constantly changing regulations and new tax policies in countries like Argentina, Brazil, Colombia, and Chile.

This session presents the payments playbook to optimize your payment operations while focusing on providing a localized experience to new global consumers. We will discuss how you can make the most out of these volatile, yet highly profitable markets

Friday
12:45 pm
1:15 pm

PDT

The threat landscape is growing beyond spammy content, payment fraud, identity fraud and more. As we continue to live our lives online, account takeover (ATO) fraud is becoming more prevalent. Account takeover is a pervasive threat as content, e-commerce, and community intersects — and both businesses and consumers should take notice. The spillover effect from ATO takes a toll on an organization’s bottom line, and the customer trust businesses work hard to build and maintain.

Friday
12:45 pm
1:15 pm

PDT

In recent years, “collaboration” has become an unavoidable buzzword in the payments industry – but do sellers and issuers know how to effectively collaborate? At PaymentsEd Forum in 2019, Lisa Polter-Tennant began a conversation to explore ways members of the dispute journey can proactively collaborate to prevent and reduce disputes. In Florida, we will continue the collaboration discussion, developing the topics we touched on in 2019 such as decline reason code deep dives, how to manage repeat offenders and what type of reporting is most effective. Our session will also explore the challenges experienced by issuers and sellers along the dispute journey, and how developments in the market have created opportunities to improve the experience for everyone involved. This direct engagement will help the audience gain insight into the end-to-end process from both merchant and issuer perspectives.

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