Payments infrastructure enables modern digital transactions. At Money20/20 USA 2026, the payments discussion centers on connecting traditional banking rails with modern developer interfaces.
Engineering teams increasingly require programmatic control over money movement from initiation to reconciliation.
Key Areas in Payments Infrastructure
1. Multi-Rail Orchestration & Continuous Ledgers
Operating a high-volume marketplace or lending platform requires orchestrating ACH for scheduled debits, FedNow/RTP for instant disbursements, and Wire transfers for larger settlements.
Modern Treasury provides an API that connects directly into commercial banking partners. Rather than relying on disparate file formats and bank portals, developers use Modern Treasury to automate money movement, manage approval workflows, and maintain an immutable double-entry ledger database.
2. Programmable Card Issuance
Deploying corporate cards, expense cards, or on-demand disbursement cards requires flexible infrastructure.
Lithic provides APIs for virtual and physical card issuance. Developers can evaluate transaction authorization requests in real time via webhooks, allowing applications to enforce custom spending rules directly.
3. Global Acquiring & Unified Commerce
For international enterprises, managing payment methods and acquiring relationships across regions requires scalable systems.
Adyen (Elite Sponsor) and Stripe provide comprehensive commerce infrastructure. By unifying in-store point of sale, mobile apps, and ecommerce checkout across multiple currencies into unified reporting platforms, global businesses manage payment operations more consistently.
Discover more infrastructure profiles in the Payments Infrastructure Category.