The Fintech Index
61 companies rated 5 sectors 16 reports Last updated Oct 23, 2026
Jim McCarthy
Thredd

Jim McCarthy

Chief executive

Why watch

At Visa he was responsible for introducing 3D Secure and the Visa Token Service; since October 2023 he has run Thredd, a card issuer processor.

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Jim McCarthy is chief executive of Thredd, a London, England, company that processes card transactions for fintechs, banks and card programme managers. He has more than 30 years in payments, 18 of them at Visa. Read our review of Thredd.

Eighteen Years at Visa

At Visa he held senior roles in sales, risk and authentication, consumer credit, digital products and product innovation, ending as executive vice president of innovation and strategic partnerships. He was responsible for introducing 3D Secure and the Visa Token Service, which became industry standards and contributed to the launch of Apple Pay.

From i2c to the Top Job at Thredd

He then ran i2c, a US payments processor, as president, and joined Thredd in January 2023 as head of product and sales. He replaced Kevin Schultz as chief executive that October. "Innovation is the lifeblood of any payments business, and I'm looking forward to continuing to deliver for our clients with new product development in a client-centric approach," he said.