SPAYZ.io, a global provider of advanced payment technologies, has launched a new whitepaper that reveals the opportunities, concerns and ambitions of the payments sector. Titled “Winning Payments in Challenging Industries”, the whitepaper draws from the insight of leading industry professionals, backed by the insights SPAYZ.io has compiled throughout the year from its extensive network of merchants and partners.
The whitepaper provides timely insight into the latest payments trends for operators and payment processors that operate in high risk industries, giving a qualitative and quantitative analysis of the user payment behaviours and habits, the existing and future challenges that prevent transaction completions and the in-demand payment solutions.
The whitepaper highlights the strategic recommendations for businesses seeking to future-proof their operations. From embracing alternative payment methods to navigating evolving compliance frameworks, the report equips stakeholders with actionable intelligence to stay ahead of disruption and capture new growth opportunities in a rapidly shifting landscape.
The insight bridges the gap between users, operators and payment providers, giving advice on how to choose the right payment provider and the importance of trust in the industry.
Tatjana Meluskane, Chief Commercial Officer at SPAYZ.io commented: “The payments sector is scaling at pace. To be successful, payments processors and operators need to be equipped with the latest knowledge and insight to make sure they are actively responding to market needs, particularly in emerging markets.”
For the opportunities, we can see this being led by new technological innovations. Two trends of note are Open Banking and instant bank transfers, both of which offer frictionless alternatives to traditional card networks. Mobile wallets have also become widespread, with over five billion users globally, and real-time payment rails like African M-Pesa and India’s UPI are redefining speed and reliability. These innovations are strategic enablers of trust and conversion.
Yet, high-risk merchants face unique challenges. Limited access to local payment methods, technical integration burdens, and elevated fraud risks are persistent pain points. SPAYZ.io’s data shows that 64% of merchants struggle with operational failures and lack of local payment options, while 57% cite high fees and poor conversion rates. The remedy to this is the systematic routing of transactions across multiple providers to reduce the rate of false declines, with payment orchestration platforms offering the tools needed to deliver such a response.
“SPAYZ.io is known for its market intelligence, which is why we have decided to release this whitepaper. It provides a useful snapshot for where the industry is at the moment, and what needs to be factored into the future decisions of operators and merchants as they begin to map out their growth strategies for 2026,” Tatiana Sokolova, Head of Marketing at SPAYZ.io said.
The full findings from research are featured in SPAYZ.io’s latest whitepaper titled “Winning Payments in Challenging Industries.” Click here to download.
