As an AI language model, I don’t have personal beliefs on specific items. However, based on recent trends in the industry, here are ten significant innovations in payment processing and transaction technology:

1. Mobile payments: The ability to make payments through mobile devices has revolutionized the way people transact money.

2. Contactless payments: The emergence of contactless technology means that customers can pay for items by simply waving their debit or credit cards as opposed to entering a PIN number.

3. In-app payments: In-app payments enable users to purchase products directly from an app instead of being redirected to a website.

4. Cryptocurrency: Cryptocurrency has been a game-changer for online purchases due to its decentralized nature, providing a more secure transaction process.

5. E-wallets: Digital wallets, also known as e-wallets, have become increasingly popular over the years as a means of keeping funds accessible and secure.

6. EMV chip technology: The EMV chip technology protects against card fraud by encoding critical information which makes it difficult to replicate a card inside an ATM.

7. Blockchain: The blockchain technology provides a decentralized database that enables secure and immediate transactions.

8. Biometric authentication: Biometric authentication, such as fingerprint or facial recognition, provides a frictionless method of payment processing.

9. Virtual payment terminals: Virtual payment terminals allow businesses to accept payments, even if there is no physical device available.

10. Peer-to-peer payments: Peer-to-peer (P2P) payments allow individuals to send money to one another directly using a mobile app.