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
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-Signature

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.

EVENTS
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PARTICIPANTS
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COMPANIES
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MINUTES OF THOUGHT
LEADERSHIP & LEARNING
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EXPERT SPEAKERS

Business Development Events

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TRANSACT

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 »

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ETA Strategic Leadership Forum logo

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 »

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June 12 • Toronto, ON

Innovators and regulators converged to discuss what’s next for payments in Canada.

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TRANSACT Tech — NYC, Capital Markets & Payments

Oct 16 • New York, NY

Investors and innovators gathered to discuss the investment landscape for the payments industry.

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Nov 14 • Atlanta, GA

Leaders and experts gathered to discuss emerging technologies.

Compliance Event

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Oct 29-30 • Pentagon City, VA

Powerhouse regulators, networks, and pioneering legal minds converged at the sold-out conference. In its third year, leaders from industry and government agencies — from the CFPB to the Federal Reserve, from the FTC to FinCEN — shared their insights, strategies, and practical advice for navigating today's critical and fast-evolving compliance landscape.

Save the Date for 2025 »

Christine Liu Ant Group for PCC

“I've learned so much from each expert in different areas, ranging from risk, fraud, compliance, privacy, and data security, and also, it's so great to hear from all the regulators and networks.”

— Christine Liu, Senior Legal Counsel, Ant Group

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 »

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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.

Payments Fly-in Ottawa

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.

Payments Fly-in Capitol Hill (Unofficial)

Sept 25 • Capitol Hill

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

Fintech Policy Forum: Powered by ETA

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

OPEN BANKING

DIGITAL ASSETS

PRIVACY BILL

AI

Spotlight on AI

ETA shaped the dialogue on AI in financial services, submitting strategic recommendations to Treasury's inquiry and hosting focused policy discussions at six major industry events across North America.

 

ETA’s REPORT ON
Artificial Intelligence in the Payments Industry
Download »

 

White Paper
AI in Payments
Download »

Narrating the Value of Payments to Congress

 

ETA’s Annual Report on
Advancing Economic Inclusion
Download »

SOCIAL MEDIA

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Scott Talbott

Congratulations!

ETA EVP, ETA CPP, Scott Talbott was recognized for the 16th year in a row as one of The Hill’s Top Lobbyists of 2024. Congratulations to Scott on this well-deserved honor!
Read More »

State

ETA IN THE 50 STATES

BILLS ETA ENGAGED ON

STATES ETA ENGAGED IN

COMMENT LETTERS SENT

Priorities

AI

INTERCHANGE SALES TAX

COMMERCIAL FINANCE

MTMA

FINANCIAL LITERACY

MONEY TRANSMISSION

TRUE LENDER / DIDMCA

State legislative activity has surged, with nearly all states considering AI regulations. ETA remains active in defending interchange fees and promoting balanced commercial finance rules, securing wins like MTMA passage in 6 states and blocking restrictive regulations in several others.

HIGHLIGHTS

  • ETA served as the industry’s eyes and ears, monitoring over 900+ pieces of legislation across the country.
  • ETA successfully helped defeat bills that would negatively affect the way transactions are processed in numerous states, including FL, GA, TN, CT, and  PA
  • ETA helped pass the MTMA in NH, SC, SD, ME, KS, and MO
  • ETA supported passage of financial literacy bills in California
  • ETA successfully defended against heavy commercial finance regulations in CA, IL, and MD

Hover / tap to view ETA's action in the state.

Canada

COMMENT LETTERS SENT TO
REGULATORY BODIES AND POLICYMAKERS

NUMBER OF ISSUES
ADVOCATED FOR

Top Issues

AI

OPEN BANKING

RPAA

PRIVACY

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.

PRESS MENTIONS
INDUSTRY EVENTS
PODCASTS
2024-MEDIA-OUTLETS
Jodie Kelley

"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.

COMMITTEES
MEMBERS
ORGANIZATIONS
HOURS OF COLLABORATION
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“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.

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Included with our courses are exclusive insights from leading payment industry experts, enriching the learning experience.
Learn More »

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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.

Learn More »

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ETA CPPs

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.

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NEW MEMBERS

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

Michael Reed

“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

2024-ETA-Star-Awards-Winners

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

Colleen-Taylor

Distinguished
Payments Professional

COLLEEN TAYLOR
President, Merchant Services – US
American Express

Monica-Eaton

Pay It
Forward

MONICA EATON
CEO
Chargebacks911

Caroline-Hometh

Committee Volunteer
of the Year

CAROLINE HOMETH
Co-Founder & Managing Partner
RPY Innovations

ISO of the Year

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Most Innovative
Product or Solution

ChargeFlex

Business Partner
of the Year

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Top10ISVsLogo

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

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

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Program Sponsored By

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

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Program Sponsored By

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Honored game changers in the industry.

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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.

Jodie Kelley

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

Marissa Battey

“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

Desmond Bull

“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

Alexis-Byrne 1x1

“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

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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

Jeneen Davis 1x1

“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

Jennifer Desjardins

"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

Alisson Furlong

“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

claire-2

“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

Jimena Lopes 1x1

“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

John Losh Headshot

"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

Seemin Qadiri

“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

Scott Talbott

“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

Carl Wegner

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

Eduardo

“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

Brian Yates 1x1

“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.