ELECTRONIC TRANSACTIONS ASSOCIATION
2024 Year in Review
At ETA, we serve as a key strategic partner to the payments industry, creating opportunities, fostering growth, and addressing critical challenges. In 2024, we faced significant obstacles that tested our industry’s resilience — and demonstrated its remarkable strength.
We are proud to share how we helped shape this pivotal year in payments.

JODIE KELLEY
CEO, ETA
A Message From Our CEO
To say that 2024 was an eventful year would be an understatement. It was a year of tremendous advances, tremendous challenges, and tremendous change. It was a year that highlighted what our industry is capable of; the threats our industry faces; and the incredible transformative power and nimbleness that are at the heart of what we do.
Never has it been clearer what we, as an industry, contribute to the lives of ordinary Americans, to the success of small businesses, and to the economy as a whole. In 2024, consumers increasingly relied on digital transactions to go about their day, increasingly using the broad range of secure options available to them. Small businesses thrived by leveraging the power of digital transactions, recognizing that they are a key to their ability to grow.

Jodie Kelley, CEO, ETA
Events
Powering the Growth of the Payments Industry
From the business of payments to the pulse of regulation, ETA’s events acted as a catalyst, creating exceptional opportunities for networking, business development, and knowledge exchange.
LEADERSHIP & LEARNING
Business Development Events


Apr 17-19 • Las Vegas, NV
Attendees conducted business at the speed of payments while celebrating the pioneers, innovators, and visionaries who are shaping our industry's future.
Register for TRANSACT 2025 »


Sept 16-18 • Naples, FL
Leaders in payments gathered for three immersive days of building relationships and exploring industry trends.
Save the Date for SLF 2025 »


June 12 • Toronto, ON
Innovators and regulators converged to discuss what’s next for payments in Canada.


Oct 16 • New York, NY
Investors and innovators gathered to discuss the investment landscape for the payments industry.


Nov 14 • Atlanta, GA
Leaders and experts gathered to discuss emerging technologies.
Policy & Industry Affairs Events
Through strategic policy events in Washington, D.C., and targeted virtual briefings, ETA championed industry priorities with policymakers while keeping members ahead of critical developments. In 2024, this included four high-impact D.C. events connecting 250+ payments leaders with key officials and 15 Spotlight Calls delivering timely insights on federal and state policy developments, from CFPB regulations to election impacts.
State of Payments
Jan 25 • Virtual
ETA’s Industry Affairs Committee leaders briefed members on what lies ahead for payments in 2024.
RSVP to Attend in 2025 »

Feb 23 • Washington, D.C.
Provided lawmakers with an overview of the modern payments systems in addition to more advanced discussions focused on industry issues.
RSVP to Attend in 2025 »
ETA London
Jul 9 • London
Global payments leaders and U.K. policymakers convened to discuss trends shaping the industry.
Policy to Prosperity
Apr 10 • Capitol Hill
For National Financial Literacy Month, ETA collaborated with the Congressional Financial Literacy and Wealth Creation Caucus, Aspen Institute, and Visa, to strengthen consumer education through a Capitol Hill reception, advancing our industry's commitment to financial empowerment.
Four Central Banks Talk Digital Assets
Oct 9 • Virtual
The Central Bank of Brazil, Bank of Canada, Bank of England, and Federal Reserve provided their banks’ policy outlook regarding digital assets, including CBDCs and stablecoins.

Oct 22 • Ottawa, ON
ETA members met with Finance Canada, Bank of Canada, and Payments Canada to discuss open banking, real-time payments, small business finance, privacy, crypto, and digital trade, among other issues at ETA's annual event in Ottawa.

Sept 25 • Capitol Hill
The annual fly-in facilitated a direct dialogue between ETA member executives and policymakers on the Hill.

Sept 26 • Washington, D.C.
At the intersection of policy and payments, the event fostered a dialogue between ETA members and policymakers including, the U.S. Department of Treasury, Federal Reserve Board, and the CFPB.
Spotlight Calls
Members heard from experts on key policy issues facing our industry and opportunities created by public policy.
Advocacy
Shaping Public Policy to Advance Payments Innovation
Federal
ETA advanced industry priorities across a complex regulatory landscape in 2024, shaping key regulations from the FTC and CFPB, meeting with the Administration on AI and payments, serving on FinCEN's Bank Secrecy Act Advisory Group, and briefing House Financial Services Committee members at their invitation — advancing targeted advocacy across 20 critical issues.
NUMBER OF ISSUES
ADVOCATED FOR
COMMENT LETTERS SENT TO
REGULATORY BODIES AND POLICYMAKERS
Top Issues
Narrating the Value of Payments to Congress
Canada
COMMENT LETTERS SENT TO
REGULATORY BODIES AND POLICYMAKERS
NUMBER OF ISSUES
ADVOCATED FOR
Top Issues
HIGHLIGHTS
- Worked closely with the Bank of Canada on the implementation of Retail Payments Activities Act
- Advocated for anti-fraud data use, and leveraging UK and US open banking experiences to guide Canadian policy
- Worked closely with Quebec and all provinces to harmonize privacy laws
- Supported efforts to crack down on predatory lending while addressing the unintended consequences of limiting commercial exemptions
NOTABLE PRESS
- ETA feedback was incorporated into most recent guidance on retail payments supervision
- ETA’s pre-Budget 2024 submission was highlighted in The Logic
- ETA’s op-ed on payments modernization and consumer-driven banking was published in The Hill Times
NEW COMPLIANCE EVENT IN 2025
- ETA is hosting a dedicated two-day payments compliance conference: Payments Compliance Conference – Toronto, May 13-14, at the Fairmont Royal York. This premier event comes at a crucial time as Canada's payments industry continues to grow and evolve. Save the Date »
In the News
Conveying Industry Messages in a Clear, Compelling Way
ETA worked with major international, trade, and political media outlets to tell the story of the payments industry to ETA members, policymakers, and the general public. As the leading voice of the payments industry, ETA successfully highlighted key industry issues, featuring prominently in 50 nationwide stories and over 15 podcasts over the past year.
By the Numbers
ETA executives represented the industry across major channels.


"There is a reason every other state to have looked at this issue has rejected passing a law like this one,” said Jodie Kelley, the CEO of the Electronic Transactions Association. “It is harmful to consumers and to small businesses who rely on the payments industry to grow their business.”
Bloomberg Law »
Industry Affairs
HARNESSING OUR COLLECTIVE EXPERTISE, TOGETHER MOVING THE PAYMENTS INDUSTRY FORWARD
Industry Affairs Committees
ETA committees provide a forum for industry professionals to advance the payments industry through collective expertise, strategic dialogue, and shared insights, creating opportunities for thought leadership and continuous learning across the ecosystem.
We are grateful for the 2024 ETA Industry Affairs Committee chairs for selflessly devoting their time to enrich and enhance the payments community. ETA added four new committees in 2024.
Click + to read more about a committee and their work.

“The AI Committee understands the power of AI goes beyond technology and is reshaping our industries, societies, and economics. Our committee’s value lies in our ability to guide transformation and spread knowledge to others.”
— Kevin Shamoun, AI Committee Chair, SVP Product & Innovation, Fortis
Guest Speakers
Thank you to our Industry Affairs guest speakers who shared their expertise across our various committees on a range of topics including banking, risk management, fraud prevention, payment facilitation, and mobile payments. Their diverse perspectives and insights have enhanced our understanding of emerging challenges and opportunities across the payments ecosystem.
Guillermo Galarza Abizaid, ICMEC Global • Asif Ahmed, Discover • Ginger Bergman, Bank of America • Tim Chiodo, USB Financial • Domenic Cirone, Equifax • Ann Gabor, Bank of America • Manny Garcia, On the Fly • Julia Hanley, Discover • Robert Johnson, Visa • Theresa Kananen, AGG • Niamh Lewis, G2 Risk Solutions • Justin Macy, National Association of Boards of Pharmacy • Ed Marshall, AGG • Sean Mooney, Equinix • Chris Phillips, Holland & Knight • Duane Pozza, Wiley • Jackie Shinfield, Blake, Cassels & Graydon • John Starr, Thorn • Paul Tower, CardFlight • Jonathan Trivelas, Mastercard • Amy Zirkle, CFPB
Education
Providing World-Class Learning for the Payments Industry
Professionals from over 100 companies have accelerated their industry knowledge and career growth through ETA's industry-leading payments courses. These comprehensive, expert-designed courses offer new and seasoned professionals flexible learning paths to master the complex payments ecosystem while earning valuable certification credits.
Preview any course by clicking its video below.
Included with our courses are exclusive insights from leading payment industry experts, enriching the learning experience.
Learn More »

Certifications
The ETA Certified Payments Professional (ETA CPP) designation stands as the industry's gold standard, representing a prestigious credential earned by more than 3,000 professionals who span both the breadth of roles — from business development and risk management to sales — and the full spectrum of the payments ecosystem, including networks, processors, ISOs, ISVs, and financial institutions. 100+ professionals earned their ETA CPP credential in 2024.
Membership
ETA Member Companies Represent the Vanguard of the Payments Industry
ETA experienced another landmark year of growth, welcoming 115 new companies across the payments ecosystem — from innovative software vendors and premier POS providers to cutting-edge B2B payments organizations. We're privileged to serve as the trusted voice for these organizations, advancing their interests and supporting their continued success.
1stMILE • 8A-Payments • Accept Blue • Advanced Mobile Payment • Alcineo • Allcard USA • AndDone, Payment Innovation by IPFS • AnywhereCommerce • Aries Fraud Solutions • B2B Activate • Bankful • Bead Pay • Beyond Bancard • Bishota Law • Blackstone Merchant Services • BulletProof-Checkout.com • CaptisPay • CelerisPay • Choice Merchant Solutions • ClearGage • CloseKnit Connections • Computop • Dealer Pay • Defyne Payments • eCard Transactions • Enfuce • Etogy • Evolv • Exectras • Expanse Financial Technologies • First Atlantic Commerce • Flex Payment Solutions • Fort Point Payments • Galaxy Business Solutions • Global Legal Law Firm • Go Local 1st Merchant Services • GrailPay • Gray Consulting ATX • Group ISO Merchant Services • Growmark Electronic Payment Systems • HantePay • HealPay • Hubwallet • Integrity Payments Group • Inter & Co • Iris Merchant Services • Jag Payments • LANDI North America • LexisNexis Risk Solutions • Liberis • Luqra • MarketTime • Matera • Maxix Technology • McGlinchey Stafford • Merchant Industry • Mica • MONA Payment Solutions • MSG Payment Systems • National Link • Nexgo US • North American Banking Company • NowPay • NuvoLinQ • Olo • Omni Integration • Paul Hastings • Payco • Payhuddle Solutions Americas • PayMaple • PaymentVision • Peoples Group • PSP Services • Purpose Pay • Red Bear Advisory • Reeve Basnett • RegTech Group • Rescue Payments • RevitPay • Rome LLP • Run Payments • SafetyKit • Searchlight Capital • Semper Payments • Serve First Solutions • Shazam • Slim CD • Softec Services • Sola • START Merchant Services • Stax • Steptoe LLP • Strategize Payments • Streamline Payments • SUNMI Technology US • Superius • SuperSonic Pay • T360pay • Thredd • TowneBank Merchant Services • TRU Payment Solutions • TrueBiz • UBS Group • Unchained Systems • Unity FI Solutions • VerityPay • VizyPay • Volt Merchant Solutions • vPromos • Wav Payments • Weave • WellnessLiving • Whittle Group • Wilson Sonsini • Xplor Technologies

“Being part of ETA is a great opportunity for us to engage with peers and industry leaders and to get an idea of what they're seeing and where they're headed and how we fit into that story.”
Watch Video »
— Michael Reed, CEO, Sola
Awards
Recognizing Excellence and Nurturing Talent

Recognized individuals or companies that made a significant difference in the payments industry through innovation, business practices, and contributions to the association.

Distinguished
Payments Professional
COLLEEN TAYLOR
President, Merchant Services – US
American Express

Pay It
Forward
MONICA EATON
CEO
Chargebacks911

Committee Volunteer
of the Year
CAROLINE HOMETH
Co-Founder & Managing Partner
RPY Innovations
ISO of the Year

Most Innovative
Product or Solution

Business Partner
of the Year


Awarded ISVs that disrupted the status-quo to redefine a better payments experience.


ETA honored 50 sales representatives from member companies who have demonstrated commitment and passion for achieving excellence.


Program Sponsored By

The ETA YPP program honored rising stars in the industry and provided them with mentorship and learning opportunities.


Program Sponsored By

Honored game changers in the industry.

Powering ETA
Inspired Leaders, United in Advancing the Payments Industry
2024 Board of Directors
Pioneering figures from leading companies have been instrumental in shaping our strategic vision. The ETA Board of Directors comprises visionaries from the industry, whose organizations remain the driving force behind innovation and expansion.
Executive Officers
Cameron Bready, President
President & CEO, Global Payments
Derek Webster, President-Elect
Founder and CEO, CardFlight
Jamie Walker, Treasurer
CEO, Elavon
Julie Pukas, Secretary
Head of Commercial Strategy and Integration
TD Bank
Eric Hoffman, Immediate Past-President
Chief Partnerships Officer, Early Warning
Directors
Todd Ablowitz
Co-CEO / Co-Founder, Infinicept
Rehman Baig
Chief Payments Officer, FlexFactor
Jim Johnson
President, Strategic Partnerships, FIS
Casey Klyszeiko
SVP & General Manager, Fiserv
Bruce Lowthers
CEO and Executive Director, Paysafe
Laura Miller
Chief Revenue Officer and Head of Global E-Commerce, Nuvei
Jonette Sullivan
Head of Merchant Services, Wells Fargo Merchant Services
Christopher Sweetland
Global Head of Payments Markets & Partnerships, PayPal
Christopher Ward
EVP, Head of Wholesale Payments, Truist
Erika Wool
Head of Product Partnerships, Stripe
Jodie Kelley
CEO, Electronic Transactions Association
Advisors
Debra Bradford
President of Merchant Services, Deluxe
Kimiko Kokka
Director of Merchant Business Development and Partnerships, Apple
Michael Lozanoff
Managing Director, Global Head of Merchant Acquiring Product & Engineering, JP Morgan
Philip McHugh
EVP & Group President, Global SMB, Worldpay
Wally Mlynarski
Head of Merchant Solutions, Bank of America
Karen Redwood
Head of Industry Relations & Operations, Square
Peter Stewart
President NAR, Ingenico
Samir Zabaneh
CEO, TouchBistro
Ex-Officio
Chiro Aikat
Head of US Market Development, Mastercard
June Chen
General Manager, China UnionPay USA
Bill Dobbins
Head of Acquiring and Enablement Visa
Jason Hanson
EVP, President of Payment Services, Discover
Colleen Taylor
President, Merchant Services - US American Express
ETA Staff Members
At ETA, our team is dedicated to championing and nurturing the most innovative and dynamic industry. Don’t hesitate to reach out to us with any questions, comments, or concerns. Your goals and aspirations are our top priority and our team is committed to helping you achieve them.

At its core, ETA is its people. We could not drive the results we do on behalf of this dynamic industry without the dedicated, talented team we are lucky to have. I'm excited to introduce you to them.
— Jodie Kelley, CEO, ETA

“Lending support to ETA members is most rewarding. Learning about who they are, how they engage, and their evolving interests in the payments industry helps to deliver the highest quality services.”
— Marissa Battey, Business Analytics & Data Specialist

“In the payments world, there are two sides: you are either paying or getting paid. ETA being in the nucleus of this unique ecosystem excites me. Let’s go!”
— Desmond Bull, Business Systems Manager

“Working in an industry that relentlessly innovates and is in a constant state of change is thrilling. I enjoy driving new members and fresh thinking to ETA and expanding what ETA can do for the industry.”
— Alexis Byrne, Chief Revenue Officer

I am filled with pride and gratitude for the opportunity to work alongside such an incredible and forward-thinking team. Together, we are driving meaningful change and making a lasting impact on the payments industry, and I couldn’t be more excited to continue this journey!
— Amanda Cline, VP Operations

“I look forward to learning more about this dynamic industry and contributing my knowledge and skills to helping our members and industry as they continue to innovate.”
— Jeneen Davis, Finance Manager

"I am passionate about creating events that bring industry leaders together to share insights, collaborate, and drive innovation. The payments industry is dynamic and ever evolving, and I'm honored to be part of fostering these meaningful connections."
— Jennifer Desjardins, Senior Director of Events

“Being part of a team with such a strong mission and promoting the transformative work of our members during the pandemic has been extremely rewarding. It’s been inspiring to share how our members are enabling new payment experiences for businesses and consumers.”
— Ali Furlong, Chief of Staff & Board Relations

“The payments industry embodies a spirit of innovation and entrepreneurship that empowers individuals to engage with the financial sector. I am proud to advocate with and educate stakeholders on ETA and member objectives with the ultimate goal of driving positive policy change.”
— Claire Hebert, State Government Affairs Manager

“I am excited and privileged to be part of an innovative and forward-thinking organization, and I look forward to the opportunities that 2024 holds for ETA and its members.”
— Jimena Lopes, LATAM Partnership Coordinator

"I'm thrilled to be part of the ETA community and inspired by the collective passion for innovation. As we navigate this dynamic landscape, I'm committed to supporting our members as they create innovative products to propel our industry forward.”
— John Losh, Senior Director Membership & Customer Insights

“Payments is the x-factor that empowers economies, people, and the imagination. To represent an industry that fuels the world and makes diversity, equity, and inclusion a priority, is both exciting and a privilege.”
— Seemin Qadiri, VP Marketing & Sales

“I enjoy telling the story of the innovative products and services ETA members are deploying to help shape public policy. Good public policy in turn helps ETA members continue to innovate to serve their customers.”
— Scott Talbott, EVP, ETA CPP

“The payments industry is always in a state of continuous innovation, and to be at the forefront of the industry with the ETA team is an honor and a privilege. I’m excited to work with such a strong team that advocates, educates, and supports the growth of the payments industry.”
— Carl Wegner, Marketing Manager

“I am happy to be part of the leading association in payments. Working in the ETA Industry Affairs team has helped me to learn and hear from leaders in the industry about payments and technology.”
— Eduardo Umana, Industry Affairs Coordinator

“As the payments and financial technology members of ETA constantly transform services around the consumer, I am thrilled to advocate for their innovation and disruption of the payments industry in state capitols across the country.”
— Brian Yates, Senior Director of State Government Affairs
ELECTRONIC TRANSACTIONS ASSOCIATION
Stay in the Loop
We look forward to our continued partnership and leveraging our expertise to further your business and the industry in 2025.