Finzly is the leading modern operating system for banks, serving as a future-proof innovation core. Finzly’s unified, battle-tested, AI-powered, ISO 20022-native, cloud-based platform, BankOS, provides centralized payment and account processing for the movement of traditional and tokenized assets across ACH, FedNow, RTP, Fedwire, SWIFT, and multiple blockchain networks, leveraging award-winning end-to-end payment processing and advanced virtual accounts. Finzly also offers sophisticated FX trading, trade finance, and interest rate swaps without legacy constraints, while enabling embedded banking, open finance, and global banking capabilities. By combining flexibility, regulatory alignment, and speed to value, Finzly allows financial institutions to modernize, scale, and compete in the modern connected, real-time and embedded economy, with a tested, low-risk path that enables banks to exit legacy systems.
Dropp
Dropp is a payment infrastructure platform that helps merchants accept everyday payments at a lower cost and with instant settlement. It enables Pay-by-Bank via The Clearing House RTP® network and Pay-by-Stablecoin using USDC. Built for digital commerce and in-store point-of-sale environments, Dropp helps merchants move beyond traditional card acceptance. Key advantages include acceptance costs around 1%, real-time settlement, support for payments in USD or stablecoin, and flexible acceptance options such as POS and QR-based checkout. Designed for high-frequency, small-ticket transactions, Dropp gives consumers a fast, secure, and flexible way to pay, offering a digital alternative that is closer to cash in its simplicity and economics. For merchants, it delivers lower costs, faster access to funds, and greater control over payment acceptance. Visit us at www.dropp.cc or email us at info@dropp.cc.
Deluxe
Deluxe, a trusted Payments and Data Company, champions business so communities thrive. Our solutions help businesses pay, get paid, and grow. For more than 100 years, Deluxe customers have relied on our solutions and platforms at all stages of their lifecycle, from start-up to maturity. Our powerful scale supports millions of small businesses, thousands of vital financial institutions and hundreds of the world’s largest consumer brands, while processing approximately $3 trillion in annual payment volume. Our reach, scale and distribution channels position Deluxe to be our customers’ most trusted business partner. | Deluxe Merchant Services, a payments division of Deluxe, is a trusted leader in both payments and data-driven marketing. By combining innovative financial services with industry-leading expertise, we’ve built a robust suite of payment solutions that empower businesses to scale efficiently, accelerate growth, and foster profitable customer connections. Whether it’s managing high-volume transactions, seamlessly integrating multiple payment sources, or transitioning into the digital economy, we make it all work smarter, faster. To accelerate your payment offering, visit https://www.deluxe.com/merchant-services/.
Covert Threat
CovertThreat is an adversary-led cybersecurity organization. We don’t scan—we prove. Our mission is to assess, secure, and manage our customers’ cyber risk. We provide board-ready, defensible, and actionable insights to help our customers make high-stakes decisions. Our elite operators have over 30 years of experience in international regulatory, compliance, and offensive security.
Checkbook
Checkbook is an API-driven payments infrastructure platform that enables businesses to send and receive funds across multiple rails through a single, unified integration. Supporting ACH (standard and same-day), RTP, FedNow, Push-toCcard, Physical and Digital Checks, Wires, PayPal, and Venmo, Checkbook empowers organizations to move money faster, smarter, and with greater flexibility. Built on an API-first architecture, Checkbook allows companies to embed payments directly into their products, financial systems, and operational workflows. Through a secure API and intuitive dashboard, businesses can initiate credits and debits, automate disbursements, manage receivables, and orchestrate fund flows without maintaining multiple bank integrations or vendor relationships. This streamlined approach reduces engineering complexity, accelerates implementation timelines, and scales with growing transaction volume. Checkbook’s multi-rail strategy enables businesses to optimize payment delivery based on speed, cost, and recipient preference. ACH provides cost-efficient large-scale payouts and collections, while RTP and FedNow enable real-time settlement for time-sensitive disbursements. Push-to-Card and digital wallet options expand reach, and paper checks ensure accessibility for recipients who prefer traditional methods. By consolidating these capabilities within one platform, Checkbook simplifies payment decisioning and operational oversight. The platform supports a broad range of use cases including marketplace payouts, insurance claims, lending distributions, contractor and gig payments, vendor payables, rebates, refunds, and embedded fintech experiences. A key differentiator is recipient flexibility—payees are not required to create an account or pre-register to receive funds. This reduces friction, improves completion rates, and enhances the overall payment experience. Checkbook also offers enhanced wallet capabilities that allow businesses to prefund accounts, manage sub-ledgers, and control outbound disbursements with precision. These tools provide structured fund management, real-time visibility into transaction activity, and simplified reconciliation for finance and operations teams. Security, compliance, and reliability are foundational to the platform. Checkbook works closely with sponsor banks and operates within established regulatory and network frameworks to ensure responsible money movement across all supported rails. Built-in monitoring, configurable approval workflows, and identity verification tools help organizations manage risk while maintaining speed and flexibility. By unifying traditional and emerging payment rails within a single API-driven platform, Checkbook enables organizations to modernize their payment infrastructure without increasing complexity. Whether optimizing ACH operations, enabling instant payments through RTP and FedNow, or delivering flexible multi-rail payout options, Checkbook provides scalable infrastructure designed for today’s evolving payments ecosystem.
ACI Worldwide
As an original innovator in global payments technology, ACI delivers transformative software solutions that power intelligent payments orchestration in real time so banks, billers, and merchants can drive growth while continuously modernizing their payment infrastructures simply and securely. We combine 50 years of trusted payments expertise with our global footprint and a local presence to offer enhanced payment experiences to stay ahead of constantly changing payment challenges and opportunities. | ACI Worldwide is a global leader in real-time payments software. Our proven, secure, and scalable solutions enable corporations around the world to process and manage payments and mitigate fraud and risk. We combine our global footprint with a local presence to drive the real-time digital transformation of payments and commerce. Our payments experts are taking the stage at Smarter Faster Payments 2026 in multiple speaking sessions.