October 23 • Fairmont Royal York
Now & Next in Payments
Navigate the Next Wave of Canadian Payments
A powerful confluence of regulation and technological acceleration is redefining Canada's payments ecosystem. The strategic implementation of Open Banking, the Real-Time Rail, and new retail payments frameworks is now underway —while AI reshapes the core of payments operations, from risk management to customer experience.
This is where leadership meets execution. Connect the dots between policy, technology, and your competitive advantage.
Actionable Intelligence You Can Use on Monday Morning
Our agenda delivers more than theory—it reveals how the architects of modern payments are building what's next. Learn from policy leaders at Finance Canada, Real-Time Rail engineers at Payments Canada, and product innovators at J.P. Morgan, Mastercard, and Plaid.
Leave with a 360° view — from policy to technology — and the strategic insights to build your advantage.
The Entire Canadian Payments Ecosystem, in One Room
You will be alongside the decision-makers from major networks setting the rules, processors building the infrastructure, and technology disruptors enabling new experiences — all concentrated in one room for one single day.
This is where the entire industry aligns.
Agenda
THURSDAY, OCTOBER 23
8:00am
Breakfast
Get a head-start. Catch up with fellow attendees and speakers before the day starts.
9:00am
Welcome Remarks
JODIE KELLEY
CEO
ETA
9:10am
The New Rulebook: Implementing the RPAA
The most significant regulatory shift in a generation. If you are a payment processor, acquirer, or money service business, your strategy for risk, reporting, and cost depends on it.
Vladimir Shatiryan
Partner
Blakes
9:45am
Operating Under the New Retail Payments Framework
Finance Canada's regulations are now live. Learn what safeguarding funds and operational risk mean for your business model and competitive edge.
10:15am
When Your Customer is an AI: The Agentic Commerce Revolution
Agentic AI is taking autonomous actions that change how consumers shop. Explore the new payment flows and security models you'll need to compete. This panel explores the opportunities and risks as AI begins to think on behalf of the users.
10:45am
Keynote — The View from Parliament Hill
MP Dancho will share her view on the policy outlook for fintechs.
Raquel Dancho
Vice-Chair, Standing Committee on Industry and Technology
House of Commons of Canada
11:00am
Open Banking is Here: Your 2026 Game Plan for Consumer-Driven Banking
The framework is law with a 2026 mandate. This is your guide to building the products and partnerships that will win in a data-driven market.
11:20am
Networking Break
11:30am
Real-Time Rail: The End of Payment Delay
Canada's instant payment system is finally here. Discover how 24/7/365 irrevocable settlements will disrupt payroll, bill payments, and e-commerce.
12:00pm
Lunch
1:30pm
Winning the SMB: Payments as a Growth Engine
SMBs demand tools that boost their bottom line. Learn how integrated software and payment solutions are key to capturing this loyal market.
1:55pm
AI in Payments: From Lab to Revenue
AI is changing how payments get done. Leaders reveal how they are deploying AI today to fight fraud, personalize experiences, and generate new revenue.
2:35pm
Networking Break
2:45pm
The Networks' Outlook: Plan for 2026 Today
Get the direct update from Visa, Mastercard, and Interac on their roadmaps for open banking, B2B solutions, and value-added services beyond the transaction.
3:20pm
Performance is the New Battle Ground
When core payment services become commodities, the battle shifts to operational excellence. Discover how leaders transform infrastructure from a cost center into a profit engine.
3:45pm
Closing Remarks
JODIE KELLEY
CEO
ETA
4:00pm
Cocktail Reception: Where the Industry Aligns
Continue the conversation in a relaxed setting. This is your opportunity to connect with the entire ecosystem — all in one room.
Know Before You Go
The following transit lines have routes that pass near Fairmont Royal York.
Event Sponsors
Terms & Conditions
Cancellations & Refunds
TRANSACT Tech — Toronto attendees agree to follow health guidelines issued by the local authorities and by the venue operators.
Cancellations are allowed until October 9, 2025, 11:59pm ET. Refunds will not be issued for cancellations made after October 9, 2025, 11:59pm ET. All cancellations are subject to $25 cancellation fees. No-shows are non-refundable.
Substitutions can be made until October 22, 2025. Substitution requests should be made in writing to etareg@expotracker.net with the subject "TRANSACT Tech — Toronto Registration Substitution". No on-site substitutions will be allowed.
In the unlikely event of program cancellation, ETA will refund 100 percent of registration fees paid. ETA assumes no liability for any penalty fees on airline tickets, deposits for hotel accommodations, or any other fees, charges, penalties or other incidental costs that a registrant might incur as a consequence of a program cancellation.
Name Badges
All registrants will be provided a name badge for use during the event. For security purposes, you will be required to wear your name badge at all times in ETA’s meeting space. Individuals without a visible name badge will not be permitted into the meeting areas.
Event Photography Policy
By attending the event, you acknowledge that photographs and/or videos of you may be taken by our conference staff and/or photographers at any time. Furthermore, you grant ETA permission to use photographs and/or video of your likeness in any type of media, including websites and print publications, without compensation or reward.
NO AUDIO OR VIDEO TAPING OF THE PROGRAM IS PERMITTED.
Americans with Disabilities Act / Special Dietary Needs
Attendees with special needs for facilities, visual or audio aids, or dietary requirements are asked to email etareg@expotracker.net so that appropriate arrangements can be made.
ETA CPP CE Credits
The ETA CPP™ certification program sets the standard for professional performance in the payments industry and is a symbol of excellence. It signifies that an individual has demonstrated the knowledge and skills required to perform competently in today’s complex electronic payments environment.
This event is eligible for four (4) ETA CPP™ Continuing Education (CE) credits. Credit is earned at the rate of one credit per 50 minutes of electronic transactions industry-related session time, including questions and answers, excluding lunches and breaks.