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:

• Plaid - Plaid Payment Initiation, Auth, Identity

Highly Commended: 

• Nordea - Nordea Open Banking and Premium API's
• Trustly Group AB - Trustly Open Banking Payments
• VTB - VTB Open Banking Platform

Winner: 

• Volante Technologies - A paytech solution that delivers successful and high-impact business outcomes relating to real-time payments infrastructure

Highly Commended: 

• Fiserv - Payments Exchange: RTP

Winner: 

• PPRO - PPRO´s service of building a local payments infrastructure for their partners & their merchants

Winner: 

• Fiserv - Deposit Line

Winner: 

• Form3 Financial Cloud - Form3 Payments Platform

Highly Commended: 

• Century Business Solutions - EBizCharge Cloud
• Volante Technologies - A payments solution that leverages cloud technologies to facilitate meaningful change to the way an organisation operates and delivers services.

Winner: 

• Maria Nottingham, Managing Director of Compass Plus Great Britain and an Executive Vice President of the Compass Plus Group

Highly Commended: 

• Aleksandra (Aleks) Gren, Executive Board Member, Fiserv Inc.
• Louisa Murray, COO, Railsbank

Winner: 

• Neil Harris, Group Chief Commercial Officer, Global Processing Services (GPS)

Highly Commended: 

• Abrar Ahmed Mir, Chief Innovation and Financial Inclusion Officer, HBL

Winner: 

• AccessPay - The AccessPay Team

Highly Commended: 

• Sber - SberPay team

Winner: 

• SurePay - SurePay - Confirmation of Payee