TRANSACT

TRANSACT is the flagship US conference of the Electronic Transactions Association (ETA), the trade body representing the merchant-payments value chain across card networks, acquiring banks, ISOs, PayFacs, ISVs, processors, gateway providers and risk and compliance vendors. Produced by Trifecta Collective and powered by ETA, TRANSACT has run as the industry's annual flagship for more than thirty years and remains the largest US-focused gathering dedicated to the business of payments technology rather than consumer-facing fintech.

What happens at TRANSACT

• Three-day conference programme with track sessions on Security/Risk/Compliance, Banking, Embedded Payments, ISO/PayFac operations and Acquiring strategy delivered by 140+ industry speakers across 40 track sessions.
• Two deep-dive programmes — Security/Risk/Compliance and Banking — running as extended workshops separate from the core agenda for senior leaders who need actionable detail rather than panel overviews.
• Exhibition floor at Mandalay Bay with several hundred exhibitors covering processors, fraud platforms, gateways, BIN sponsorship and ISV partner programmes.
• AI-powered matchmaking app for 1:1 pre-scheduled meetings, plus an All-Attendee Party Thursday night and curated industry receptions.

Who attends

The room is built around the US merchant-payments value chain: card networks (Visa, Mastercard, American Express, Discover, UnionPay), major acquiring banks (Bank of America, Wells Fargo, Truist, TD Bank, Huntington Bank), processors (Fiserv, FIS, Elavon, WorldPay), PayFacs and embedded-payments platforms (Adyen, Square, NMI), risk and fraud vendors (G2 Risk Solutions, LSEG Risk Intelligence, SecurityMetrics, Suede, Fraud Deflect), BIN sponsorship and underlying-bank infrastructure (Infinicept, Cloudera, WoodForest Acceptance Solutions), ISVs and vertical-SaaS platforms looking to embed payments, ISOs and merchant-services agents, and a meaningful representation of US merchants and high-risk verticals. TRANSACT is not a consumer-fintech event, not a crypto event and not primarily about cross-border payments — it is the US merchant-payments industry's annual gathering, with strong focus on the ISO/PayFac/ISV value chain and the acquiring banks underwriting it.

Dominant themes at TRANSACT 2027

• FedNow adoption and Request for Payment business cases for B2B and bill-pay
• PayFac model evolution and BIN sponsorship economics post-recent regulatory scrutiny
• Card surcharging compliance after state-level enforcement actions
• Embedded payments distribution via vertical-SaaS ISVs and platform monetisation
• AI in chargeback management, underwriting automation and fraud orchestration
• KYC/AML automation and BSA-program tooling for high-risk merchant categories
• Tokenisation, Click to Pay, Mastercard Move and Visa Direct disbursement rails
• PCI DSS v4.0 enforcement deadline compliance
• Bank-fintech sponsorship arrangements and the post-Synapse risk environment

Planning to attend

Mandalay Bay anchors the south end of the Las Vegas Strip and Harry Reid International Airport (LAS) is around ten minutes by ground; the Luxor, Excalibur and Four Seasons sit within walking distance via the Mandalay Bay tram for overflow accommodation. The Mandalay Bay room block fills eight to ten weeks ahead and shoulder hotels follow shortly after. For B2B vendors timing the spring Vegas calendar, TRANSACT competes with RSA and the merchant-fraud conferences in February-March, so coordinate outreach with the broader Q1-Q2 payments-industry calendar.

Use the expense calculator below to estimate the total cost of attending — registration, flights, hotels, meals, and ground transport — based on your origin city.