This category is open to all organisations involved in the retail payments chain. Where appropriate, submissions can be in conjunction with their merchant acquirers, PSPs or other payments providers. The entry should demonstrate a proactive approach to embracing payments as a core part of the business strategy. The initiative or series of payments initiatives (supporting either online and / or face-to-face payments) should show what activities have undertaken during the qualifying period to set them apart as a strong advocate of frictionless commerce. This will have resulted in improvements to the customer experience and a corresponding uplift in business performance. The qualifying period is 1 January 2019 to 31 August 2020.