Discussion Framework: The checkout is becoming a multi-rail environment. Cards will remain deeply embedded, while instant account-to-account payments are moving further into everyday commerce. This discussion will examine how card schemes, instant-payment networks and payment infrastructures are evolving, and how merchants and acquirers will manage multiple rails behind an increasingly seamless checkout.
Central Question: Will cards and A2A compete for the checkout or evolve into complementary rails, dynamically selected according to the customer, merchant and transaction?