Worldpay France

Hesper Huang Senior Director, Digital Vertical Growth Key points More than a billion people regularly use personal AI tools but paid adoption remains low: a recent Bank of America report found that only 3% of its households pay for AI services. AI businesses are growing and scaling at historic speeds and as they expand can face payments and pricing decisions sooner than expected.

Erin Billhorn Head of Global Network Compliance Erin Billhorn leads global network compliance at Worldpay, now Global Payments, where she has spent more than 25 years working with payment networks and sponsor banks to help merchants manage compliance risk. Key points PCI DSS compliance is mandatory for any business that accepts credit or debit cards, regardless of size. Falling out of compliance opens the door to fines, forensic investigation costs and lost customer trust.

Harsh Mehta Head of Partnerships, AI and Agentic Commerce Harsh Mehta works at the intersection of AI, commerce and strategic partnerships, helping shape the ecosystems behind agentic transactions. His experience spans AI, global tech, fintech, payments, open banking and digital commerce. Key points An agent's trustworthiness isn't a property of any one storefront.

Simon Farrow Solution Architect Simon Farrow is an IT architect specialist with 10 years’ experience in payment integrations, specializing in secure, scalable enterprise payment infrastructure. Key points Not all payment errors are equal. 4xx errors mean the request must be fixed before retrying; 5xx errors usually point to temporary server-side issues where a retry may work. Treating them the same creates avoidable failures and load.

Key points Discovery, not checkout, is the live use case. Merchants chasing agentic checkout are solving tomorrow's problem before today's: Product catalogs need to be machine-readable before an agent can recommend them at all. Fraud and disputes face a harder problem than payments does. Agent-mediated transactions strip out the behavioral signals fraud tools have relied on for years, and friendly fraud already accounts for roughly 70 percent of dispute volume in traditional commerce.

Key points Agent-merchant interactions fall into two categories: closed loop, where a merchant's own agent controls the full experience, and open loop, where general-purpose agents such as ChatGPT or Gemini direct users toward a purchase. Merchants preparing for agentic commerce should address three layers: discovery (clean product feeds and structured data), checkout (API-accessible cart logic) and payments (tokenized credentials rather than raw card data).

Simon Farrow Solution Architect Simon Farrow is an IT architect specialist with 10 years’ experience in payment integrations, specializing in secure, scalable enterprise payment infrastructure. Key points Global payment expansion adds integration complexity across clearing systems, routing, currencies and compliance. Designing for this early helps avoid rebuilding for every new market.

Rupert French Head of Payouts Rupert French leads our global payout solutions, drawing on 15 years across risk, fraud and product roles in payments. Worldpay, now Global Payments, sends funds to bank accounts, cards and wallets in more than 180 countries and 135 currencies. Key points Single-partner routing concentrates payout risk.

Key points 2025 holiday sales topped $1 trillion for the first time, up 4.1 percent over 2024 (NRF) – and seasonal surges now stretch well past the winter holidays into back-to-school, summer travel and one-off local moments. Retail e-commerce chargeback rates climbed 233 percent between the first and third quarters of 2025 (Sift), so higher sales volume now arrives with higher dispute volume attached.

Marcus Lang Head of Product, FX and Financial Experiences Marcus Lang is a product leader in FX and payments, focused on scaling financial experiences for enterprise merchants. He leads the FX portfolio for Worldpay, now Global Payments, shaping billing, settlement and cross-border commerce. Key points Currency uncertainty at checkout is a preventable conversion problem.