Winner: 

• BPI - One App All payments

Highly Commended: 

• APEXX Global - APEXX Gateway

Winner:

• Modulr - Modulr gains deepest level of access to financial infrastructure in the UK 

Highly Commended: 

• BPI - iFactoring
• Mountain America Federal Credit Union - Balance Transfer Payoff
• QIWI - Contactless payment service based on SoftPOS technology 

Winner: 

• ClearBank - ClearBank Tide Business Banking (CTBB) 

Highly Commended: 

• Pollinate - Tyl by NatWest
• RBC - RBC PayEdge
• Weavr - Multi

Winner: 

• Izicap - Izicap

Highly Commended: 

• FIS - Premium Payback

Winner: 

• Bank Hapoalim - bit one-stop-shop payments app

Highly Commended: 

• Comviva & Airtel Uganda
• Caixa Geral de Depósitos - CAIXA - App Caixadirecta Digital Assistant

Winner: 

• FreedomPay - Mashgin's Touchless Checkout System

Highly Commended: 

• Marqeta - Digital banking partnership between Marqeta and Twisto, using Marqeta's European Digital Banking solution to support Twisto's mobile payments app
• O-CITY - O-CITY, Tracom and NikoDigi Partnership in public transport contactless payment

Winner: 

• Comviva & Airtel Uganda - Airtel Money Uganda

Winner: 

• ID R&D - Passive Facial Liveness Detection for Payface

Winner: 

• Brighterion - AI for Credit Risk

Highly Commended: 

• Fraugster - How Fraugster Helped A.S. Adventure (a European Outdoor Sporting Goods Retailer) Minimize Fraud With Advanced AI
• Kount, an Equifax Company - Kount's Identity Trust Platform
• Chargebacks911 - Chargebacks911

Winner: 

• PayXpert LTD - PayXpress POS and mPOS

Highly Commended: 

• OpenPayd - Swissborg

Winner: 

• Branch - Branch's Employer Payments Platform Accelerates Payments to Empower Working Americans

Winner: 

• DBS Bank - DBS PayLah! - Palm-Vein Authenticated Payments and QR Gift Cards

Highly Commended: 

• Ziglu and Global Processing Services (GPS) - Ziglu and Global Processing Services (GPS)
• Banking Circle - Banking Circle
• ID R&D - Wittybots: Frictionless security for in-chat payments

Winner: 

• VTB Bank (PJSC) - Paperfree Office

Winner: 

• Icon Solutions - Icon Solutions

Winner: 

• Nexi - Digital Solidarity Project (Pay-by-Link/Social Commerce/Mobile Pos/Micropayments), contactless education, charity donation

Highly Commended: 

• Onbe (North Lane) - Inclusive Action for the City | Street Vendor Emergency Fund
• O-CITY - SME MarketPlace Safal Fasal

Winner: 

• SBI Card and Comviva - SBI Card Pay

Highly Commended: 

• Currensea and GPS - Currensea

Winner:

• EveryPay AS - Cloud-Based Payment Gateway Platform for Acquirers

Highly Commended: 

• TietoEVRY - TietoEVRY's Payment Hub

Winner: 

• Nets and OpenWay - Universal Digital Lending Platform

Highly Commended: 

• DNB & Nordic API Gateway - DNB Mobile Bank

Winner: 

• BPC - Safal Fasal agritech marketplace

Highly Commended: 

• Crown Agents Bank - EMpowerFX

Winner: 

• Bank Hapoalim - bit one-stop-shop payments app

Highly Commended: 

• Citizens Bank - Citizens Bank Implements Real-Time Payments for Corporates

Winner: 

• Flywire - Flywire's Global B2B Payment/Receivables Platform

Highly Commended: 

• PayXpert - Payment Processing Solutions
• Currencycloud - Currencycloud Spark
• Thunes - Cross-border payments solutions

Winner: 

• Banking Circle - Banking Circle Marketplaces

Winner: 

• HPS - Building a National Interoperable Mobile Payment Program for Saudi Payments

Winner: 

• CaixaBank S.A. - Caixabank Pay

Highly Commended: 

• SmartNet and OpenWay - SmartPay mobile wallet for financial inclusion in Vietnam

Winner: 

• Token.io - Token Pay™, Payments at the Speed of Commerce

Highly Commended: 

• Salt Edge - Open Banking Gateway
• Konsentus - Konsentus Verify

Winner: 

• QIWI, Guru Taxi and Tochka bank - Taxiaggregator, the mass payment service

Highly Commended: 

• Banking Circle and Cardstream - Cardstream lending service

Winner: 

• Their Perfect Gift - Their Perfect Gift, issued by Wirecard Card Solutions

Highly Commended: 

• AsiaHawala and Comviva - AsiaHawala powered by mobiquity® Money

Winner: 

• BHMI - Concourse Financial Software Suite

Highly Commended: 

• Fiserv - Enterprise Payments: RTP

Winner: 

• TypingDNA - TypingDNA Authentication API

Highly Commended: 

• ANNA - ANNA, issued by Wirecard Card Solutions

Winner: 

• Sberbank - B2B-subscriptions

Highly Commended: 

• Bottomline - PTX

Winner: 

• ComplyAdvantage - AML Screening and Monitoring

Highly Commended: 

• Brighterion - Brighterion
• Kount - Kount's Identity Trust Global Network

Winner: 

• Bank Hapoalim - bit

Winner: 

• RedCompass - RedCompass RedFlag Accelerator

Highly Commended: 

• DCR Strategies Inc. - DCR Strategies Inc. Partnership with Timea's Cause
• Netspend - Netspend Cares

Winner: 

• Rossana Thomas - Vice President of Product Management & Enterprise Payments Platform, Fiserv

Highly Commended: 

• Mike Massaro - CEO, Flywire

Winner: 

• Currensea and GPS - Currensea

Highly Commended: 

• GrainChain - GrainChain

Winner: 

• Agne Selemonaite - Deputy CEO, ConnectPay

Highly Commended: 

• Santosh Tripathy - Practice Lead Digital Payments, SmartStream Technologies

Winner: 

• Talbott Roche, CEO and President, Blackhawk Network

Highly Commended: 

• Monica Eaton-Cardone, CIO and Co-Founder, Chargebacks911

Winner: 

• Form3 Financial Cloud

Winner: 
Pannovate

Highly Commended: 
HPS
Batelco
AFS & Comviva
Israel Discount Bank

Winner:
McLEAR 

Highly Commended: 
Green Dot
Sberbank for SMEs

Winner: 
Emailage 

Highly Commended: 
Fundbox

Winner: 
Token 

Highly Commended: 
Bank Hapoalim
OP Financial Group

Winner:
ANNA

Highly Commended: 
Soldo
SWIFT

Winner: 
Ecocash, Steward Bank & Comviva 

Highly Commended: 
Sberbank

Winner: 
Tandem Bank 

Highly Commended: 
Curve

Winner: 
Sberbank

Winner: 
Travel Welfare

Highly Commended: 
Monese

Winner: 
Streeva 

Highly Commended: 
Fiserv
Pennies

Winner: 
Christian Chmiel 

Highly Commended: 
Monica Eaton-Cardone

Winner: 
Alex Barseghian

Highly Commended: 
Maxime de Nanclas

Winner: 
Melissa McKendry 

Highly Commended: 
Tracy Cray

Winner: 
BPI 

Highly Commended: 
Vocalink

Winner: 
ACI Worldwide 

Highly Commended: 
Fiserv

Winner: 
Worldline 

Highly Commended: 
Volante

Winner: 
OpenWay 

Highly Commended: 
Form3

Winner:
Nordea Bank with Nordea Wallet

Highly commended:
National Bank of Greece

Winner:
CFT Group with Duesday

Highly commended:
EBANX SA

Winner:
Saxo Payments Banking Circle with their Banking Circle Virtual IBAN

Highly commended:
Shieldpay & Barclays

Winner:
PaySend with PaySend Global Account

Highly commended:
Bankwest Halo

Winner:
CashStar Product eGifting with Johnston & Murphy

Highly commended:
ViaBill Try Before You Buy

Winner:
Glint issued by Wirecard

Highly commended:
Hyperwallet

Winner:
Vocalink Prompt Pay

Highly commended:
Auka’s white label mobile payments platform

Winner:
Contis & Wirex

Highly commended:
Flux, Barclaycard & Eat

Winner:
GoodBox

Highly commended:
Netspend for its Netspend Scholarship

Winner:
Wirecard

Winner:
Barclaycard

Winner:
Nordea Open Banking Team

Highly commended:
Nexi Payments PayTech Team

Winner:
Andrea Dunlop, CEO, Acquiring and Card Solutions, PaySafe Group

Highly commended:
Julie Fergerson, Senior Vice-President, Industry Solutions, Ethoca

Winner:
Donna Embry, Chief Payments Officer, Payment Alliance International

Highly commended:
Craig Glendenning, Chief Technology Officer, Bluechain