Irina Ionescu, Senior Editor at The Paypers, highlights the most important findings from Payrails’ latest report – AI in payments: from hype to impact, focusing on how modular infrastructure can help companies leverage AI for real-world performance gains.

This new report from Payrails explores how modular architecture and unified data are helping enterprises unlock AI’s true value: from automation and routing optimization to emerging agentic systems that make payment operations smarter and more efficient.

The payments world is moving fast, and by 2030, it will look completely different. From real-time cross-border transfers to AI-powered fraud prevention, what once felt like a future vision is quickly becoming today’s baseline.
So, the big question is: Are you ready for what’s coming?
This report helps you get there.

Payrails is the next-generation modular payment operating system empowering high-growth global enterprises. 

payabl. is a European financial technology provider that helps businesses take control of their money flow. We provide online and in-person acquiring, multi-currency business accounts, cards, fraud prevention tools, and data insights.

Nuvei is building the infrastructure for every payment, everywhere. Its modular, flexible, and scalable technology enables leading companies to accept next-generation payments, offer all payout options, and benefit from card issuing, banking, risk, and fraud management services, all through one integration.

Payment orchestration is now mission-critical. Yasser Abou-Nasr, SVP Product, and Dwayne Gefferie, Payment Strategist at IXOPAY, share how it's reshaping global commerce, AI, and stablecoin readiness.