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 data and experience SPAYZ.io has compiled throughout the year from its extensive network of high‑risk merchants and partners.
Insight into high‑risk payment trends
The whitepaper provides timely insights into the latest payment trends for operators and payment processors in high‑risk industries. It offers qualitative and quantitative analyses of 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 and optimising payment orchestration, the report equips stakeholders with actionable intelligence to stay ahead of disruption and capture new growth opportunities in a rapidly shifting landscape.
The whitepaper bridges the gap among users, operators, and payment providers, offering guidance on choosing the right PSP and emphasising the importance of trust in the industry.
The payments sector is scaling at pace. To be successful, payment processors and operators need to be equipped with the latest knowledge and insights to ensure they are actively responding to market needs, particularly in emerging markets.
— Tatjana Meluskane, Chief Commercial Officer at SPAYZ.io
Technology‑driven opportunities
Regarding opportunities, we can see this being driven 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 5 billion users globally, and real-time payment rails such as Africa's 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 a lack of local payment options, while 57% cite high fees and poor conversion rates. The remedy for this is the systematic routing of transactions across multiple providers to reduce the rate of false declines, with payment orchestration platforms providing the tools needed to implement this approach.
SPAYZ.io is known for its market intelligence, which is why we have decided to release this whitepaper. It provides a useful snapshot of 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, Chief Marketing Officer at SPAYZ.io
Download the full Whitepaper
The full findings from research are featured in SPAYZ.io’s latest Whitepaper titled “Winning Payments in Challenging Industries". Click here to download the Whitepaper.
