2025 is set to be a transformative year for the merchant payments ecosystem (mpe), driven by rapid advancements in technology, regulations, and shifting business models. mpe has gathered insights from leading experts to uncover the future of merchant payments.   

Nadia Bull Bernikova, VP Sales, Silverflow comments on Industry Challenges: "Merchants relying on legacy systems will struggle as new payment methods like Blik, Pix, and Wero, along with tokenisation, become critical. Slow adoption could impact revenue and operational efficiency of merchants and payment providers". 

 Adi Gazit, VP Marketing, Justt, says:  "Balancing fraud prevention with CX will be a major challenge. Managing the costs of friendly fraud chargebacks with evolving regulations, and increased volumes of cases.   

Alfredo Prieto, Director Business Acceptance, EPI Company comments on regulatory changes ahead of us: "The Instant Payments Regulation and a first set of obligations for payment service providers (PSPs) had to be complied with as of 9 January 2025."  

Thomas Gilla, CEO, BR-DGE says: " All eyes will be on PSD3. It will also require acquirers, PSPs, banks and other entities to make substantial changes to their platforms and processes. Significantly for merchants, PSD3 will also allow authentication to be delegated to third parties.  

Who are the Emerging and Key Players? 

Moshe Winegarten, CRO, Ecommpay says: " PSPs and Orchestrators – the specialists providing local acquiring and APMs will be incredibly valuable to e-commerce merchants in 2025 and beyond."  

David Parker, Director, Polymath Consulting comments: " Orchestration platforms, but not just payments, which is what everyone thinks of but also risk orchestration."