APAC Isn't Following the Future of Payments – It's Defining It!

APAC Isn't Following the Future of Payments – It's Defining It!
Paul Tunstall Senior Vice President, International Merchant Advisory Group
Aug 11, 2026

Every conversation I have with merchants operating across Asia-Pacific reinforces the same point: there is no such thing as a single APAC payments strategy.

Unlike many other regions, success in APAC requires merchants to navigate a patchwork of local payment methods, evolving regulations, real-time payments infrastructures, digital wallet ecosystems, and rapidly changing consumer expectations. What works in Singapore may not work in Indonesia. A successful approach in Australia may require significant adaptation for Japan or South Korea. For global merchants, the complexity is undeniable, but so is the opportunity.

At the MAG, we've seen first-hand how important it is to create opportunities for merchants to learn from one another. While technology providers continue to innovate at an incredible pace, many of the most valuable conversations happen between merchants facing the same operational and strategic challenges. How are others balancing approval rates with fraud? Which local payment methods are delivering measurable growth? How are organisations preparing for AI-driven commerce? What impact will regulation changes have on expansion plans? These are the discussions that matter, which is why we’re excited to host the MAG Payments Summit – Singapore 26 on 20-21 October at Suntec Convention Centre.

This Summit is built around the challenges and opportunities merchants are experiencing today, not just the trends making headlines. Artificial intelligence is already transforming how payments are authenticated, how fraud is detected, and how customer journeys are personalised. At the same time, real-time payments continue to reshape consumer expectations, while digital wallets and alternative payment methods have become essential components of any international payments strategy. Layer on increasingly fragmented regulatory requirements, growing demand for cross-border optimisation, and the emergence of agentic commerce, and it's clear that the payments landscape is becoming more sophisticated than ever before.

No single organisation has all the answers. That's why collaboration remains one of the MAG's greatest strengths. Bringing together merchants, payments providers, fintech innovators, and industry experts creates an environment where practical experience is shared openly, new ideas emerge, and long-term partnerships are formed. The event also offers merchant-only sessions, providing the opportunity for candid discussions that simply aren't possible in many other industry forums.

What excites me most is the calibre of conversations taking place across the agenda. Rather than simply asking what comes next, explore how merchants can make better decisions today, whether that's improving payments performance, reducing fraud, navigating local regulation, optimising cross-border acceptance, or preparing for the next generation of digital commerce. The pace of change across APAC shows no sign of slowing. If anything, it's accelerating. That makes it more important than ever for merchants to stay connected, challenge assumptions, and learn from one another.

I'm looking forward to welcoming the payments community to Singapore this October. I have no doubt the conversations started there will continue to shape how merchants approach payments long after the event concludes. Learn more about the event on the MAG website.

The Merchant Advisory Group

Driving positive change and innovation in the payments industry serving merchants' interests globally through collaboration, education, and advocacy.