The Future of Payments Is Open: Paymentsfn 2025

This September, some of the most influential voices in payments, including Spreedly, Visa, and PayPal, will gather in Miami Beach for Paymentsfn 2025. The focus: how we build smarter, more ethical payment systems in the age of AI, systems that are intelligent, open, and built to earn trust.

Why Trust Will Define the Next Decade

Whether you’re a merchant or payments leader, you’ll leave with practical insights, meaningful connections, and help your organization confidently face the new wave of autonomous AI systems and protect revenue when it matters most.

We’re keeping this year’s conference format varied and flexible with tons of interaction, networking sessions, and evening get-togethers. Read: we won’t bore you with endless hours of powerpoint. Below are some first looks at what we’ll be talking about at PaymentsFN at our sessions

In The Future is Open session, Spreedly CEO Justin Benson and Visa’s Beth Wolff, VP of Acceptance Technology Partnerships, will lay out a vision for payments infrastructure that puts openness and orchestration at its core. Their keynote will explore why openness is fast becoming the long game winner and a table stake for global commerce, and how businesses can future-proof their payments architecture by embracing interoperability, network tokenization, and strategic ecosystem partnerships.

From AI Ethics to Global Openness

Later that morning, Benson will return to ask a harder question: As AI systems make more decisions on our behalf, what does it mean to design them responsibly? From fraud detection to real-time routing, automation is reshaping how money moves. His session challenges us to think beyond efficiency and build accountability, transparency, fairness, and ethical guardrails into the fabric of payments.

Engineering Payments as a Strategic Advantage

The afternoon will spotlight how Spreedly isn't just enabling open payments, it is engineering the layer that turns infrastructure into intelligence. Spreedly’s CTO Mike Rivers will share how we’ve evolved from an integration platform into an intelligent orchestration layer powering open, adaptive commerce globally.

He’ll also cover how innovations in retry optimization and data enrichment are paving the way for AI-enhanced orchestration and agentic decisioning, and how vaulting, token enrichment, and routing create a powerful, adaptive infrastructure.

What You’ll Learn 

Breakout sessions will then dive deeper into topics such as tokenization, embedded finance, cross-border scaling, and compliance. These small-group conversations are designed for candid dialogue rather than rehearsed case studies. Topics will include:

• The future of network tokenization
• How to support agent-led commerce
• Embedded finance and new monetization models
• Strategies for improving authorization rates
• Real-world lessons from cross-border scaling

Join the Conversation in Miami

AI is already reshaping how consumers shop, and how payments are processed behind the scenes. Paymentsfn 2025 is where the future of intelligent, ethical, and open payments will be charted.

Join us in Miami and be part of the conversation.

PaymentsFN 2025 is sponsored by PayPal, Visa, and other leaders committed to advancing the payments ecosystem.

Learn more and register here: paymentsfn.com

Download the PaymentsFN one-pager!