2025 Sets the Stage for an Opportunity-Filled 2026
At this very special time of the year, with Christmas Eve just days away, as millions of families gather around the table and thousands of businesses experienced the most intense days of the year, at Redsys we do not slow down. But we do take this moment to look back with gratitude and ahead with determination.
2025 has been defined by technological progress, sector resilience and, a deep social commitment that has guided every decision we have made. And now, in the midst of the peak season of activity – when payments become the heartbeat that connects merchants, citizens, and businesses in a shared rhythm – the importance of a secure, reliable, and human-centric payment ecosystem becomes even more evident.
A 2025 that Reaffirms Our Shared Responsibility to Society
Technology only truly matters when it improves people's lives. This year, we strengthened our critical infrastructure to support a country that trusts every transaction –large or small – to be processed with maximum security and continuity.
Digital payments have consolidated their role as an essential enabler of economic and social life. We have driven solutions that make transactions more accessible, secure, and efficient for millions of people. This role carries enormous responsibility, and at Redsys we embrace it with the conviction that innovation must go hand in hand with a clear purpose: contributing to a more integrated, connected, and trustworthy society.
As the catalyst of the Spanish payments system, our infrastructure underpins the daily activity of merchants, citizens, Financial Institutions, and businesses, ensuring service continuity, system robustness, and the ongoing evolution of the ecosystem.
Thank You to All Those Who Walk This Journey with Us
Everything we have achieved is also the result of those who form part of our value chain:
- Financial Institutions, for placing their trust in us – trust that allows us to build relevant, high-impact solutions, anticipate needs, and facilitate operations in an increasingly digital environment.
- Merchants and Citizens, for fostering and contributing to the development of an accessible payments ecosystem.
- Our Employees, whose talent, commitment, and rigor are the driving force behind Redsys. They are the heart of everything we do, and we continue to invest in their development and technical excellence.
- Suppliers and technology partners, essential to continuing to innovate with guarantees and to building sustainable, mutually impactful relationships.
- Our entire network of stakeholders, who helped us ensure that the Spanish payments industry remains a benchmark.
To all of you: thank you for your collaboration, your high standards, your ideas, and for constantly pushing us to be better. Because leading the sector is not only about technology – it is about purpose.
A Season of Peak Activity and Maximum Commitment
As this year comes to an end, record figures are expected alongside stable consumer behavior, confirming the maturity of e-commerce in Spain. The Christmas campaign – from Black Friday to epiphany – once again demonstrates the sector's capacity to adapt and accelerate. And we continue to support it.
On Black Friday, Redsys recorded a +10% increase in transactions compared with 2024 – an operational challenge we met with precision, speed, and security.
Every payment counts, every purchase matters, with the highest level of reliability and security.
Our mission is to support every transaction as we navigate this period of intense activity in 2025 as we move decisively into 2026. We remain committed to ensuring that every payment goes through, every purchase is completed, and every merchant can focus on what truly matters: their relationship with their customers and society.
Trends That Will Shape 2026
The upcoming year presents exciting challenges and opportunities that we are already prepared to address. Among the trends set to define the payments ecosystem are:
- Acceleration of instant payments: Instant payments will continue to consolidate across Europe, driven by European regulations and rising market demand. In Spain, 2026 will mark a milestone: instant payments will expand into new channels, including in-store, face-to-face payments.
- Greater interoperability: The geopolitical context is driving European interoperability, accelerating initiatives such as the digital euro and pan-European solutions that strengthen the continent’s strategic autonomy.
- Increasing Competition in the Payments Ecosystem: The landscape is becoming even more demanding for traditional banking. New players are using payments as a gateway and expanding along the value chain, adding financial services and capturing key areas of the business.
- PSD3 And PSR -The New Road Map for Payments in Europe: The new European directive will mark a turning point. PSD3 and the PSR regulation, expected in 2026, will strengthen user protection, promote open banking, and harmonize the regulatory framework across the European Union.
- Artificial Intelligence: AI will play a key role in the evolution of payments, not only in fraud prevention, but also in process optimization and experience personalization.
- The Expansion of Stablecoins: The use of stablecoins is expanding into new areas such as cross-border payments, remittances, and B2B transactions. In the European context, adoption is shaped by the MiCA (Markets in Crypto-Assets) regulatory framework, which seeks to ensure financial stability and consumer protection, limit the penetration of foreign stablecoins, and promote the development of homegrown digital alternatives.
Merry Christmas from the #Redsys team!
2026 arrives with technological ambition and a firm commitment: to continue ensuring a future-ready payment system – one in which technology remains a bridge that brings people closer together, simplifies everyday life, and creates opportunities.
We celebrate the joy of sharing and the value of staying connected.