Leaders In Payments

What happens when you build direct connections to over 350 real-time banks and wallets worldwide? You create what Thunes CEO Floris de Kort calls "the smart superhighway to move money around the world."The limitations of traditional cross-border payments are all too familiar for businesses operating globally. SWIFT transfers take days, lack transparency, come with hefty fees, and stop completely on weekends and holidays. Thunes is revolutionizing this outdated model by enabling real-time payments across 130 countries and 80 currencies through direct connections to financial institutions and alternative payment methods.During this revealing conversation, Floris explains how Thunes has built a powerful competitive advantage through direct integrations with payment endpoints like GCash in the Philippines and M-Pesa in Kenya. Unlike competitors who rely on chains of aggregators, these direct connections deliver higher transaction success rates, more cost-efficient processing, and faster issue resolution when problems arise.Perhaps most compelling is how Thunes' services are enabling financial inclusion in emerging markets. By facilitating immediate payments to mobile wallets, they're helping unbanked individuals participate in the global economy - like ride-share drivers in Africa who can now receive instant payment, purchase fuel, and continue earning without traditional banking infrastructure.With licenses now secured in all 50 U.S. states and a new office opening in Atlanta, Thunes is positioned for aggressive growth in American markets, particularly serving U.S. companies with global payment needs.

Step into the world of payment innovation with Pierre Aurel, Chief Product Officer, and Norman Frankel, Chief Growth Officer at Stanchion Payments as they demystify SoftPOS technology - the revolutionary software turning ordinary smartphones into powerful payment terminals.SoftPOS fundamentally transforms how merchants accept payments, enabling any NFC-capable Android or iOS device to process contactless transactions without specialized hardware. This breakthrough eliminates barriers for small businesses, sole proprietors, and mobile vendors who previously couldn't justify the expense of traditional payment terminals. As Norman reveals, one European bank reported that 25% of all their acquired transactions came from SoftPOS applications just one year after launch - a testament to the technology's rapid adoption.Security concerns have been meticulously addressed through rigorous standards including PCI MPOC, creating a protected environment for processing sensitive payment data on everyday devices. While implementation requires significant investment from software providers to meet these standards, the end result delivers enterprise-grade security with consumer-grade simplicity.The technology has found unexpected champions across diverse sectors. Churches embraced it during the pandemic for contactless donations, government mandates in countries like Romania and Greece accelerated adoption for tax compliance, and major retailers including Walmart and Decathlon deploy it for queue-busting and business continuity during outages.Looking ahead, Pierre envisions improvements in NFC antenna technology to enhance the payment experience, deeper integration into everyday applications, and the blurring of lines between e-commerce and in-person payments. For merchants considering the switch, the benefits are compelling - potential savings of $300+ compared to terminal rental costs, enhanced payment flexibility, and no more missed sales due to uncharged or malfunctioning hardware.

What happens when you combine the merchant benefits of pay-by-bank transactions with the consumer rewards typically reserved for credit cards? Matt Brennan, CEO of Spire, reveals how their groundbreaking approach is transforming everyday payments across America.Brennan walks us through Spire's innovative branded payment solution that powers merchant-specific programs like Shell's "S-Pay." By partnering with Discover Network, Spire issues 16-digit PANs linked to consumers' bank accounts - creating a hybrid payment that works on existing terminals while settling via ACH. This elegant solution eliminates the traditional hurdles that have limited pay-by-bank adoption at physical points of sale.The beauty of Spire's approach lies in its true win-win nature: merchants dramatically reduce processing costs while offering substantial rewards (like 15-20¢ off per gallon or 5% store discounts), and consumers enjoy immediate benefits without accumulating credit card debt. This value proposition has fueled remarkable growth, with Spire now accepted at 55,000 locations representing 65% of branded fuel retailers nationwide.With 750,000 bank accounts linked and transaction volumes growing 200% in just seven months, Spire is clearly tapping into unmet consumer needs. Brennan identifies two key adopter groups: tech-savvy younger consumers comfortable with alternative payment methods, and financially-conscious "savvy savers" seeking rewards without additional debt. As consumer debt concerns continue to rise and open banking makes account linking increasingly mainstream, Spire is positioned at the intersection of major financial trends.

Digital commerce security stands at a critical crossroads, with an average of 66 third-party vendors present during the typical e-commerce checkout flow. Each of these represents a potential security vulnerability that could compromise your customers' payment data. Few understand this landscape better than Rui Ribeiro, Co-Founder and CEO of Jscrambler.Ribeiro's journey began in Portugal with a computer science background that led him through the banking industry before identifying a crucial gap in 2014: client-side security. What started as a broad security mission has evolved into specialized protection for payment processes, with Jscrambler now serving major e-commerce platforms across airlines, retail, and hospitality sectors.The timing couldn't be more relevant. With the PCI Council's recent release of PCI DSS v4, client-side security has moved from a best practice to a compliance requirement. Companies must now implement strategies that protect cardholder data by securing JavaScript and payment pages while detecting unauthorized access - exactly what Jscrambler specializes in."Security should never be a barrier for innovation," Ribeiro emphasizes. His company's approach allows businesses to continue adding frictionless checkout features while ensuring third parties can't access sensitive payment information. This balance becomes increasingly challenging as merchants integrate chatbots, payment calculators, installment options, and other tools that improve customer experience but potentially expand the attack surface.

The future of payments is shifting dramatically as consumers demand more options and businesses seek better ways to assess risk. John Gordon, CEO of ValidiFI, takes us deep into how bank account behavior data is becoming the missing puzzle piece in understanding consumer reliability beyond traditional credit scores.Gordon explains how ValidiFI sits at the critical intersection of compliance and fraud prevention, helping businesses meet NACHA's WEB debit rule requirements while gaining valuable insights into consumer payment patterns. By analyzing factors like bank account changes, previous negative balances, and account relationship patterns, ValidiFI provides powerful signals that predict payment outcomes and identify potential fraud before it happens.What truly sets this conversation apart is Gordon's perspective on consumer financial empowerment. He notes how payment preferences are evolving rapidly, with account-to-account transfers growing yearly and programs like Target's RedCard demonstrating the power of bank-account-linked payment methods. The conversation explores how real-time payment networks and non-credentialed bank verification are creating new opportunities for businesses to offer seamless, secure payment experiences that consumers actually want to use. Ready to rethink how you validate customer payment information? Listen now and discover strategies that go beyond basic compliance to deliver real business value while meeting evolving consumer expectations.

Max Galash takes us on a fascinating journey through the rapidly evolving cryptocurrency landscape as CEO of Coinchange, a global crypto brokerage and asset management platform with offices in Warsaw and Toronto.Having pivoted from a direct-to-consumer approach following the collapse of major players like Celsius and BlockFi, CoinChange now focuses exclusively on B2B relationships with crypto operators, exchanges, neobanks, and payment platforms. What sets them apart in this emerging space is their multi-manager investment approach – rather than simply offering tokenized T-bills like many competitors, they employ various managers deploying different trading strategies to create customized, principle-protected structured products.The conversation provides remarkable insight into how stablecoins are revolutionizing global payments, especially in emerging markets where access to USD-denominated products is limited. "Stablecoins are a bridge between banking, trading, exchanges, crypto and remittances," Max explains, highlighting their crucial role in enabling global settlements within seconds. His prediction that blockchain will become the backbone of settlement networks rather than remaining consumer-facing technology aligns with moves by financial giants like BlackRock and JP Morgan, who are already settling billions through private blockchains.Ready to understand how cryptocurrency is reshaping global finance? Listen now to hear Max's complete insights and predictions for this transformative industry.

We've officially reached 400 episodes of the Leaders in Payments Podcast - and what a journey it's been. I'm incredibly proud of this milestone and truly grateful to our listeners, guests, and community. With over 375 guests featured, we've uncovered countless insights from the best minds in the business.To celebrate episode 400, I sat down with Barry McCarthy, President and CEO of Deluxe. Barry takes us on a fascinating journey through the transformation of a century-old company once known primarily for check printing into a modern payments and data powerhouse.What does a company do when its core business faces digital disruption? For Deluxe, the answer was bold reinvention. McCarthy reveals how the company now processes approximately $3 trillion annually across four integrated business lines: merchant services targeting mid-market businesses, B2B payments focused on accounts receivable/payable management, data-driven marketing leveraging one of the industry's largest consumer databases, and their legacy print operations.The conversation explores how Deluxe has strategically repositioned itself at the intersection of payments, data, and artificial intelligence. McCarthy shares specific examples of how they're applying AI to solve real business problems, from matching payments to invoices to identifying high-converting marketing leads. His vision for the future of payments is particularly compelling – a world where payment processing becomes as invisible and omnipresent as electricity, simply working in the background without conscious thought.Whether you're a payments industry veteran or just beginning your fintech career, this milestone 400th episode delivers rich insights on corporate transformation, the future of embedded payments, and the strategic application of artificial intelligence in financial services.

As CEO & Co-Founder of Sling Money, Mike is transforming how we think about sending funds across borders by making international transfers as effortless as sending a text message.During our conversation, Mike reveals how a personal experience moving USDC between the UK and San Francisco sparked his vision. The transfer itself was instant and free, but everything around it felt clunky – "like using a Unix command line from the 80s." This insight led him to create what he calls "the macOS or iPhone of stablecoins," abstracting away all of the complexity. Sling's elegant approach allows users to add money through local payment methods in 75 countries, convert to stablecoins behind the scenes, and send funds globally in just seconds. Recipients can withdraw to their local currency almost instantly, never needing to understand the underlying technology. The use cases range from practical (managing finances across multiple countries) to spontaneous (buying someone a beer across continents) – transactions that were previously impossible or prohibitively expensive.Mike places this innovation in a fascinating historical context, comparing the evolution of international payments to what happened with telecommunications and streaming video. Just as we no longer think twice about "long-distance calls," he envisions a future where the concept of "international payments" disappears entirely.Ready to experience the future of global money transfer? Download Sling Money today and join the community making international payments instant, free, and frictionless.

Frank Arellano, founder and CEO of Revolv3, peels back the curtain on a staggering $600 billion problem plaguing the payments industry that few executives fully understand. False declines - legitimate transactions incorrectly rejected by payment processors - account for a shocking two-thirds of all credit card declines. For subscription-based businesses, this translates into devastating levels of involuntary customer churn.Drawing from his 25 years of experience at companies like Ingram Micro and Experian, Frank explains how Revolv3's intelligent payment optimization platform tackles this challenge head-on. Unlike traditional payment gateways, Revolv3 analyzes over 100 different data elements in every transaction to build trust with issuers and dramatically improve approval rates. The results speak volumes: merchants using Revolv3's platform achieve an average 14% increase in approval rates and nearly 30% growth in total revenue from decline management alone.What sets this conversation apart is Frank's holistic view of the payments ecosystem and its future trajectory. He predicts embedded finance and predictive capabilities will dominate the next few years, with increased focus on tokenization and regulatory compliance over the next decade. For professionals entering the fintech space, Frank offers invaluable advice: understand how money moves throughout the entire ecosystem, rather than focusing on just one aspect. 

The world of payments is undergoing a radical transformation, and at the heart of this revolution stands Wix Payments. In this compelling conversation with co-heads Vova Tsukur and Amit Sagiv, we uncover how this powerhouse is reshaping financial services for small businesses across 190 countries.What makes Wix Payments truly special? It's not just another payment processor. By leveraging deep user knowledge gathered through their platform, they've crafted a frictionless onboarding experience that allows merchants to start accepting payments almost immediately. This approach has become a lifeline for small businesses often rejected by traditional providers despite being legitimate operations."We see the customer in a holistic way," explains Amit. "We understand their identity really well and can assess risk more accurately than standalone payment providers." This insight enables their unique multi-processor strategy, intelligently routing transactions across various payment partners to optimize approval rates and performance.The future vision they share is equally fascinating. From AI-powered risk management that's already transforming their operations to a world of "real-time everything" where payments, settlements, and payouts happen instantaneously. Vova even predicts a future where "payments become naked, free from UX," with AI agents autonomously conducting transactions based on predefined parameters.Both leaders emphasize that embracing AI isn't optional in today's payment landscape. "The fraudsters don't wait to adapt—they adapt fast," Amit warns. "By the time you catch up to one threat, they've already moved on to something more sophisticated."

Darryl Hicks, founder and CEO of FlexPay, takes us behind the scenes of a problem costing subscription businesses millions each month – failed payments and the resulting involuntary customer churn. From his early days cleaning toilets in his parents' commercial cleaning business to consulting for major telecom companies in the Twin Towers, Darryl shares his unique journey to founding a company that's now processing billions of transactions using sophisticated AI. What began as a solution he built for his own subscription businesses has evolved into a mission to fundamentally transform how payments work.FlexPay stands apart through deep partnerships with financial institutions, sharing crucial data that has traditionally been siloed between merchants and issuers. This approach allows their machine learning models to continuously improve. For subscription businesses experiencing millions in monthly failed payments, even small improvements in recovery rates translate to substantial revenue.The conversation reveals how payment system opacity creates unnecessary friction for legitimate commerce. When issuing banks make decisions without transparency – whether declining transactions due to suspected fraud or based on undisclosed policies against certain merchant categories – both businesses and consumers suffer. While excited about innovations like stable coins, Darryl remains pragmatic about the future of payments: "I would not bet against Visa and Mastercard." Rather than trying to replace traditional rails, he's focused on reducing friction within existing systems through better data sharing and transparency. For entrepreneurs, he emphasizes the importance of building strong advisory boards and following your natural passions.

Dan Battista, CEO and Partner at Factor4, takes us on an journey through the rapidly evolving gift card landscape. With genuine passion and deep industry knowledge, Dan reveals how Factor4 has grown from just 3 employees to 22 staff serving over 21,000 merchants in just a decade.The conversation illuminates Factor4's remarkable approach to customer service – answering emails within 10 minutes and phones within two rings – which has become their true competitive advantage. Unlike competitors owned by large payment processors, Factor4 focuses exclusively on gift and loyalty solutions, allowing them to devote 100% of their investment and attention to perfecting these offerings.Dan walks us through the transformation of gift cards during the pandemic era – from traditional plastic cards to essential digital solutions delivered via email and SMS. What was once a "nice-to-have" became a critical business necessity, pushing Factor4 to develop comprehensive omnichannel capabilities that seamlessly connect online and in-store experiences.Particularly compelling is Dan's insight into loyalty programs as customer relationship management tools. When pandemic restrictions hit, merchants suddenly realized they had no way to communicate with their regular customers about changing hours, outdoor dining, or reopening plans. Factor4's customized loyalty solutions filled this gap, helping businesses build valuable customer databases while driving repeat business.The conversation also explores Factor4's innovative approach to technology, including their development of iOS and Android apps that enable gift card transactions without additional hardware – simply using a smartphone camera to read barcodes. This adaptability has allowed them to integrate with over 50 different POS systems and expand internationally across ten countries.

What happens when you combine identity verification with payment precision? That's the question Ben Turner set out to answer when he founded Verituity, a company transforming enterprise disbursements by focusing on verification at every step of the payment process.Drawing from his experiences at Network Solutions in the early days of e-commerce, Turner recognized that payment fraud and errors stem from an identity problem. When businesses can't confidently verify who they're paying, millions of dollars are lost to mistakes and fraudsters. Turner challenges conventional thinking about payment speed and modernization. While most conversations focus on real-time capabilities, he argues that what enterprises truly need is payment precision and cash optimization. "Real-time is more valuable often on the debit side than it is on the credit side," Turner explains, highlighting how businesses want to optimize when funds leave their accounts rather than simply accelerating all payments. This insight transforms digital disbursements from potential risk into strategic cash management tools.Ready to transform your approach to enterprise disbursements? Discover how Verituity's verification-first model can eliminate payment errors, reduce fraud risk, and optimize your cash management. Connect with Verituity to learn more. 

Ever wondered how pest control, landscaping, and janitorial companies are being transformed through innovative financial technology? Jacob Olins, SVP & GM of Fintech at WorkWave, takes us deep into the world where field service management software meets cutting-edge financial services.WorkWave has positioned itself as the operating system for field service businesses, providing everything from customer acquisition tools to mobile apps for technicians. But what truly sets their platform apart is how they've revolutionized payments and financial services within these traditional industries. Olins walks us through their journey from payment reseller to full Payment Facilitator, giving them complete control over the customer experience and unlocking new revenue opportunities.The most fascinating aspect of our conversation reveals how embedded financial services are solving real business problems. For companies struggling with customer retention, WorkWave's card-on-file and subscription capabilities have helped transform one-off service calls into recurring revenue streams. Their consumer financing partnerships make large emergency services affordable for homeowners. Perhaps most impressive, their earned wage access feature has increased employee retention by over 30% by allowing hourly workers to access earned wages before payday.Ready to understand how the $13 trillion banking industry is being reshaped by innovative software platforms? Listen now and discover insights that might forever change how you view the intersection of software and financial services.

Meet Jeff Shea, the co-founder and CEO of Under who's revolutionizing how payments companies onboard merchants. Drawing from over two decades in payments and fintech, Jeff has created a digital account opening platform that's solving one of the industry's most persistent challenges.Under helps payments companies streamline merchant onboarding through integrated identity verification, automated risk assessments, and simplified application collection. Serving over 100 payments organizations across the United States, the company primarily works with wholesale ISOs, payment facilitators, payment processors, and software companies that monetize payments. Jeff explains that their platform bridges the gap between disjointed point solutions that many companies currently cobble together, creating a seamless experience from lead generation through merchant approval.The conversation takes a fascinating turn when Jeff discusses the future of payments and underwriting. He predicts continued growth in embedded and verticalized payments as more software platforms own their payment stacks. Looking further ahead, he believes payments will become increasingly commoditized, with differentiation coming from how platforms manage identity, trust, decisioning, and merchant experience. Most compellingly, Jeff references a McKinsey report predicting that traditional underwriting will disappear within a decade, replaced by artificial intelligence, deep learning, and machine learning. These technologies promise faster approvals for legitimate merchants while more effectively identifying problematic applicants.Ready to transform your merchant onboarding process? Discover how Under can help you approve the right merchants faster while reducing risk at under.io.

What happens when you combine decades of payment industry expertise with a mission to solve one of the most overlooked problems in business banking? Brian Bailey, President of Clip Money, joins us to reveal how his company is transforming the way businesses handle cash deposits.Despite the rapid growth of digital payments, cash still accounts for nearly 30% of all in-store transactions. Yet for decades, businesses have been forced to operate within an antiquated system - physically carrying cash to bank branches during limited hours, using paper deposit slips, and lacking visibility into their deposit lifecycle. With a network of 7,000 deposit locations across North America, Clip Money offers a revolutionary alternative that saves businesses 40-60% on deposit costs while providing next-business-day credit.Bailey walks us through Clip's innovative shared network model that includes smart safes in shopping malls, deposit-enabled ATMs in partnership with NCR Atleos, and over-the-counter services through Green Dot's retail network. This infrastructure allows businesses to make deposits on their schedule, closer to their locations, while gaining full digital transparency through Clip's software platform. The result is a win-win proposition - businesses improve cash flow and reduce costs, while financial institutions can move cash handling outside their branches.Drawing from his extensive background at NCR and Cardtronics, Bailey shares valuable insights about payment infrastructure evolution, regulatory challenges for fintech innovators, and the future of shared payment networks. 

Mary Kay Bowman takes us behind the scenes of BILL's mission to transform financial operations for small businesses through an expertly crafted blend of software and financial services. As EVP and GM of Payments and Financial Services, she brings decades of experience from pioneering roles at Amazon, Square, and Visa to tackle the challenges that interrupt the daily flow of small business finance.The conversation reveals how BILL serves as both operational software provider and financial partner to thousands of small businesses across every industry vertical. Working alongside 8,000 accounting firm partners, the platform handles everything from accounts payable and receivable to employee expense management, while supporting transactions across 130 currencies. What truly sets BILL apart is their seamless integration of workflow management with money movement – creating a system that doesn't just process payments but optimizes cash flow at every step.Looking toward the future of payments, Bowman offers a refreshing perspective on the balance between frictionless technology and necessary visibility. While consumer payments often aim to disappear into the background, B2B transactions require strategic visibility at critical moments. This nuanced understanding comes from Bowman's remarkable journey through the evolution of digital payments, beginning at the dawn of internet commerce when she volunteered to tackle the "bumpy intersection" between money movement and technology. Ready to transform your business's financial operations? Discover how BILL's intelligent platform can help your small business thrive by automating the noise and complexity of everyday finance, letting you focus on what truly matters.

Dustin Siner, Chief Revenue Officer at Payarc, brings 27 years of payments industry expertise and a fascinating journey that began with a psychology degree and a brief stint as a rehabilitation counselor. His therapeutic background proved surprisingly valuable in navigating the complex payments landscape, where relationship building remains the cornerstone of success despite technological advances.Fresh from Payarc's recognition as ISO of the Year at the Electronic Transactions Association (ETA), Dustin reveals the secret behind their meteoric rise - "The Payarc Way." This philosophy, built on integrity, empathy, courage, knowledge, and caring, guides how the company supports its network of 1,400+ independent agents, ISOs, and ISVs who generate an impressive 95% of their business.While many competitors devalue the independent agent channel, Payarc doubles down on relationships with dedicated managers, responsive support teams, and proprietary technology platforms designed exclusively for partners. Their Partner Hub provides comprehensive tools for the entire sales process, from application to approval, while their suite of payment solutions offers partners competitive advantages in a crowded marketplace.What truly distinguishes Payarc is their approach to artificial intelligence through their PIE AI program. Rather than replacing human interaction, they enhance it - helping partners analyze statements with PIE Agent Advisor, predict customer churn with PIE Churn, and enable merchants to gain business insights through natural language queries with PIE Merchant Advisor.For agents, ISOs, and ISVs seeking a partner that values relationships as much as innovation in an increasingly consolidated market, Payarc offers a refreshing alternative where technology and humanity work together to drive mutual success.

Allen Kopelman, CEO and Founder of Nationwide Payment Systems, takes us behind the curtain of the rapidly evolving payments landscape, sharing insights gained from his fascinating career transition from restaurant chef to payments industry leader. Since founding his company in 2001, Allen has navigated multiple industry transformations, positioning his business to thrive amid technological disruption.The conversation reveals a fundamental shift in merchant priorities: "Today businesses are buying tech first, merchant services second." This observation frames Allen's provocative assertion that "Software is the new ISO."Looking ahead, Allen identifies several critical trends reshaping payments: the dominance of software-driven solutions, the impact of the FTC's "click-to-cancel" rule on recurring transactions, and potential interchange fee adjustments from card networks. He offers a compelling perspective on artificial intelligence as well, revealing how his company has leveraged AI to dramatically improve SEO performance and predicting that "people who know how to use AI will replace people who don't use AI."Ready to gain insights from a payments veteran who's successfully navigated decades of industry evolution? This episode delivers practical wisdom you can apply immediately to your payments business or career.

Andrew Riabchuk's journey from building a payment gateway prototype as a computer science student in Ukraine to founding Akurateco—a global payment orchestration platform—reveals how technical expertise shapes fintech innovation. During our conversation, Andrew offers a fascinating perspective on what payment orchestration truly means beyond simple transaction routing: it's about creating value, reducing complexity, and enabling businesses to scale globally with minimal friction.The technical side of payments is becoming increasingly sophisticated while consumer experiences grow more seamless. Andrew explains how Akurateco navigates this paradox by providing a platform that handles the complexity behind the scenes, allowing their clients—payment service providers, banks, and enterprise merchants—to focus on their core business. With over 50 pre-integrated financial partners accessible through a single integration point, businesses can quickly expand into new markets and offer localized payment methods without the traditional technical burden.What stands out most about Andrew's approach is the emphasis on partnership over mere service provision. Their "payment team as a service" concept reflects a deeper understanding that payments success requires both advanced technology and human expertise. As payment verticals become increasingly specialized for specific industries, and as cryptocurrency gradually moves toward mainstream adoption, Andrew's insights offer a valuable roadmap for navigating the evolving payments landscape. Want to learn more about streamlining your payment operations or explore how payment orchestration could transform your business? Connect with Andrew and the Akurateco team to discover strategies that could simplify your technical infrastructure while expanding your global reach.

Blockchain technology is finally crossing the threshold from speculative promise to practical implementation, and Will Martino is at the forefront of this transformation. As President and Co-Founder of Kadena, Will brings unique credentials to the blockchain space—having built JP Morgan's first blockchain payment system before leaving to solve the fundamental limitations preventing enterprise-grade adoption.The blockchain industry has struggled with a persistent trilemma: how to achieve security, decentralization, and scalability simultaneously. Kadena's breakthrough comes through its innovative ChainWeb architecture, which horizontally scales proof-of-work consensus without corresponding increases in energy consumption. "Right now we have 20 chains that are all in a single network, braided together using proof of work," Will explains. "When we go from 20 to 40, we actually increase our efficiency by 2x for basically no cost."This technical achievement arrives at a pivotal moment. Financial institutions that once insisted on private blockchains are now actively exploring public blockchain integration following BlackRock's successful SEC-approved protocol launch. This shift has created unprecedented opportunity for proof-of-work blockchains like Kadena that offer stronger security guarantees than proof-of-stake alternatives.Beyond the technical architecture, Will's team is addressing critical user experience challenges through SpireKey—a decentralized authentication system inspired by Sweden's Bank ID that transforms smartphones into hardware wallets. Having lived through the early, sometimes painful days of blockchain development (including lost wallet keys worth thousands), Will is committed to making the technology accessible to everyone.Check out kadena.io to explore how this next-generation blockchain is building the infrastructure for crypto's inevitable mainstream adoption.

Joe Mach, CEO of North America at Castles Technology, reveals how this fourth-largest player in payment terminals has captured massive market share while flying under the radar. Their secret? Over 60% of everything they sell doesn't bear their name - it's white-labeled for partners who trust them enough to put their own brands on the technology.Castles' success stems from their deep technical expertise and customer-first approach. Based in Taiwan ("Technology Island"), they innovate faster than legacy providers, delivering not just hardware but comprehensive solutions tailored to specific industry challenges. Their movement from basic terminal management to true Mobile Device Management capabilities enables remote troubleshooting, geofencing for security, and even AI-powered predictive maintenance.Looking forward, Mach identifies three transformative trends: the rising influence of specialized software vendors, seamless integration of AI with payments, and the emergence of SoftPOS technologies on consumer devices. These innovations address the expectations of younger consumers who simply won't tolerate friction in their shopping experiences.As an "accidental CEO" who rose through sales and commercial roles, Mach's leadership philosophy centers on growth - not just for shareholders, but as a vehicle to create opportunities for employees. Listen now to discover how Castles Technology is transforming the payment landscape for merchants of all sizes.

The payments ecosystem is evolving rapidly, creating both challenges and opportunities for every player in the industry. In this thought-provoking conversation with Alexander Renzi and Aleks Teichman of MAPP Advisors, we dive deep into how ISOs, ISVs, banks, and fintechs can navigate this changing landscape.Alexander and Aleks bring unique perspectives from their decades of experience across all facets of the payments industry. They offer invaluable insights into the practical realities of growing a payments business today. Their firm, MAPP Advisors, works collaboratively with companies across the ecosystem, providing actionable guidance rather than theoretical advice.For ISOs facing unprecedented pressure from all angles – regulatory scrutiny, processor competition, and integrated payments solutions – the message is clear: adapt or perish. The most successful ISOs are evolving beyond transaction processing, building deeper relationships with merchants through value-added services. Bank-fintech partnerships represent another critical evolution in payments. What was once a vendor-client relationship has transformed into essential collaborative partnerships. Banks are no longer just fine print on merchant applications – they're strategic partners whose sustainability and approach are key considerations for fintechs and ISOs alike.Whether you're running an ISO, developing payments technology, or working within a financial institution, this episode offers strategic insights to help you navigate growth, regulation, and partnerships in today's complex payments landscape. 

What happens when you build a payment processor focused on extraordinary customer service and cutting-edge technology? You become the ETA 2025 ISO of the Year. Jared Ronski, co-founder and President of Payarc, reveals the journey from small startup to industry award-winner in this engaging conversation.Ronski shares Payarc's origin story, which began with a friendship between himself—then a payment agent—and entrepreneur Zach Martinez. Frustrated by how larger processors often sacrificed service as they scaled, the duo created Payarc with a clear mission: do everything better while putting customers first. This philosophy, known as "the Payarc Way," prioritizes meaningful relationships over transactional interactions.Technology serves as Payarc's second pillar of success. Their team is developing practical AI applications that address real industry challenges, including merchant churn prediction, risk assessment tools, and self-service capabilities for agents. By focusing on reducing friction in the payment process, they've created seamless experiences that partners rave about—including ISV integrations described as "one of the easiest" their partners have ever conducted.Ready to experience payment processing that combines technological innovation with genuine service? Discover how Payarc's unique approach could transform your business one payment at a time.

This episode is sponsored by American Express. In the latest Leaders in Payments episode, Greg Myers speaks with R.J. Ancona, Vice President and General Manager, B2B Product, Partner and Client Management at American Express, about the evolving B2B payments landscape. With 24 years at Amex, R.J. has seen firsthand how digital transformation is reshaping payments, making transactions faster and more efficient.Buyers aim to optimize working capital, while suppliers want faster payments -yet late payments remain a challenge. According to Amex Trendex, 26% of business leaders have stopped working with a buyer or supplier due to slow payments.To address these challenges, Amex is investing in automation and fintech partnerships. Recent collaborations with Boost and Versapay are streamlining virtual card acceptance and AR automation, helping suppliers reduce manual work and accelerate cash flow. AI and automation continue to drive efficiency, security, and better customer relationships in the payments ecosystem.R.J. emphasizes that one-size-fits-all solutions no longer work. Businesses must customize payment strategies, maintain open communication, and leverage technology to stay competitive. As B2B payments evolve, trust, speed, and efficiency will define success.

This episode is sponsored by American Express. Dean Leavitt, founder and CEO of Boost Payment Solutions, takes us behind the scenes of a revolution happening in enterprise-level B2B payments. Founded to fill a critical gap in the market, Boost has spent 16 years perfecting technology that streamlines how large organizations pay their suppliers.At the center of our discussion is the transformative power of virtual cards – single-use payment instruments that dramatically enhance security while simplifying operations. Unlike traditional payment methods that require companies to maintain sensitive banking information of thousands of suppliers, virtual cards create a secure, automated payment flow that dramatically reduces fraud risk. As Dean proudly shares, Boost has never experienced a single chargeback or fraud loss in its entire history.The conversation spotlights Boost's groundbreaking collaboration with American Express, featuring their patented Boost Intercept technology. This innovation solves a persistent pain point in virtual card adoption by converting what were once manual, email-based payment processes into fully automated, straight-through experiences. The partnership enables American Express corporate customers to shift more spending to virtual cards while eliminating operational friction for suppliers receiving these payments.Beyond the technical details, Dean shares insights into the "PARTS" framework (Pricing, Automation, Reporting, Timing, Security) that guides their approach to payment optimization. The conversation reveals how thoughtful technology implementation creates genuine win-win scenarios for both sides of the transaction equation, making this a fascinating exploration of how innovation is reshaping corporate financial operations.

This episode is sponsored by American Express. Cash flow shouldn't be a constant struggle. Yet for many mid-market companies, the path from invoice to payment is filled with unnecessary friction, manual processes, and frustrating delays that hurt both the bottom line and customer relationships.Barrett Smith, Chief Payments and Customer Operations Officer at Versapay, reveals how accounts receivable automation is transforming finance operations for growing businesses. Drawing from his extensive background in payments and financial analytics, Smith shares practical insights on how automation creates measurable improvements in cash flow while elevating the finance department's strategic value.The conversation tackles common pain points like the persistence of paper-based processes (imagine entire floors filled with invoice file cabinets), the challenges of managing increasing invoice volumes without proportional staffing increases, and the critical need for real-time financial visibility. Most compelling is how automation shifts finance teams from being perceived as back-office gatekeepers to becoming drivers of positive customer experiences.Whether you're struggling with slow cash conversion, limited financial visibility, or simply want to free your finance team from manual data entry to focus on strategic initiatives, this episode provides a roadmap for leveraging AR automation to transform your business operations. The future of finance isn't just about counting money - it's about making it flow more efficiently through your organization.

Arik Shtilman, CEO of Rapyd, joined the Leaders in Payments podcast to discuss the company's growth, industry trends, and the impact of AI and crypto on fintech. Over the past two and a half years, Rapyd has shifted its strategy from rapid expansion to profitability, achieving profitability in late 2024. This shift required streamlining operations, focusing on high-margin markets, and reducing headcount growth. A significant milestone was Rapyd's $610 million acquisition of PayU, expected to finalize soon.Shtilman highlighted major macroeconomic shifts, including changing interest rates and geopolitical events, which have influenced the company's approach. He believes AI will revolutionize financial services, comparing its impact to the rise of the internet in 1998. Rapyd has already integrated AI into compliance, financial operations, and customer support, leading to faster onboarding, improved risk assessment, and reduced operational costs. AI-driven efficiencies are expected to shape the competitive landscape, favoring companies with advanced automation.On crypto, Rapyd initially stayed cautious but has now embraced stablecoins for settlements and payments, anticipating further mainstream adoption. Looking ahead, Shtilman predicts continued consolidation in fintech, AI-driven efficiencies, and an industry transformation that will reshape how financial services operate in the coming years.

Dive into the fascinating world of digital payments in our latest episode featuring Ariel Tiger, CEO of EverC. We explore the intricate landscape of risk management as the payments industry evolves at an unprecedented pace. With the surge in online merchants post-pandemic, fraud is on the rise, transforming the way companies approach security.Discover how EverC combines innovative technology with risk intelligence to equip businesses with the tools they need to intercept illegal activity before it occurs. Ariel shares his perspective on the dynamic role artificial intelligence plays in this context, suggesting that incorporating AI doesn't just enhance operational efficiency; it's essential for sustainability in the ever-changing payment ecosystem.Listeners will gain insights into the challenges facing digital commerce today and learn why building strong foundations in compliance and adaptability is key for future success. Whether you are a startup entering the fintech space or an established player navigating new technological advances, this episode offers valuable takeaways for everyone.

Explore the world of payment processing in our engaging conversation with Dustin Magaziner, CEO of PayBright. From his beginnings as a college entrepreneur to leading a successful company, Dustin shares invaluable insights into what sets PayBright apart in the increasingly competitive payments landscape. We discuss the vital role of independent sales agents (ISOs) in the industry, unpacking their challenges and the changing dynamics driven by technology.Dustin delves into PayBright's commitment to ethical practices and superior support for their partners. He explains how understanding technology is crucial for agents to thrive and how embracing innovations can lead to future success. The conversation also touches on the potential of AI to transform operations and improve customer service quality in the payments sector.Whether you're an aspiring agent, a seasoned executive, or simply curious about the payments industry, this episode offers a rich perspective on navigating its complexities. Join us in understanding how to elevate your approach and stay ahead in your career!

In the latest episode of Leaders in Payments, Greg Myers speaks with John Minutaglio, CTO of Payarc, about the role of artificial intelligence in payments. Payarc, a rapidly growing payment processor, has built a reputation for providing high-touch service to merchants and agents. Their focus has always been on fostering strong relationships, and AI is now playing a crucial role in enhancing that experience.John explains that Payarc's AI strategy is centered on augmenting human interactions rather than replacing them. Their AI framework, called PI, assists customer support teams by providing insights and recommendations, allowing representatives to respond more efficiently and personally to merchant needs. One significant use case is churn prediction, where AI analyzes data to identify merchants at risk of leaving. By proactively alerting human representatives, Payarc can engage with customers before they churn, leading to increased retention.Another powerful application of AI at Payarc is in developer support. Their AI tools help software providers integrate Payarc's payment solutions more effectively by analyzing code and identifying errors, reducing the need for complex troubleshooting. AI also enhances fraud detection, particularly in mitigating ACH reject fraud. By analyzing behavioral patterns and external data sources, Payarc can identify suspicious activities before they escalate into financial losses.John highlights that AI in payments is not just about automation but about using intelligence to drive better service, security, and efficiency. As AI continues to evolve, Payarc aims to remain at the forefront, leveraging advanced models to improve customer confidence, reduce fraud, and enhance the overall payment experience.

Unlock the secrets of mastering payment operations with Jo Phillips and Will Corbera, the Co-founders and Co-CEOs of Payabli. Discover how their revolutionary unified API and infrastructure stack is transforming the SaaS landscape by streamlining the often-overlooked world of payment operations. Jo and Will take us through their inspiring journeys in the payments industry, revealing how Payabli is making it easier for software companies to efficiently manage the complexities of Pay In, Pay Out, and Pay Ops. Learn about the critical behind-the-scenes aspects of processing payments, such as merchant boarding, underwriting, risk monitoring, and fraud prevention, all aimed at enhancing the entrepreneurial economy.Gain insight into future trends and strategies ready to redefine payment operations. From the sophistication of AI tools designed to combat fraud and streamline underwriting processes to real-life success stories like a property management company revolutionizing its payment facilitation capabilities, this episode is packed with practical examples. Explore the strategic importance of onboarding and empowering merchants, and understand why an API-first approach is key to seamless integration and scalability. 

Unlock the secrets of real-time merchant intelligence with Oban MacTavish, the innovative co-founder and CEO of Spade.  Discover how his early fascination with stock trading and technology laid the foundation for launching Spade in 2021. Oban reveals how Spade revolutionizes card payment data by integrating firmographic insights for fraud prevention and payment optimization, setting new standards in the US market. With ambitious expansion plans on the horizon, you'll learn how Spade is transforming the way card issuers comprehend consumer spending patterns.Our conversation takes a deep dive into the world of data security, a crucial aspect of B2B operations. Oban details the significance of operating without personally identifiable information (PII) and achieving SOC 2 Type 2 compliance, ensuring rigorous security protocols are in place. From humble beginnings during the pandemic to creating a comprehensive data network for banks, Oban shares the challenges and triumphs that have defined Spade's journey. Beyond the professional realm, he gives us a glimpse into his personal life, sharing his passion for cooking and exploring culinary delights with his wife's baking prowess. This episode is a treasure trove of insights for anyone interested in fintech innovation, entrepreneurship, and the stories that drive groundbreaking ideas.

In this episode of the Leaders in Payments podcast, host Greg Myers speaks with Rochelle Blease, President of G2 Risk Solutions, about her career journey, the role of G2 in the payments ecosystem, and the evolving landscape of risk and compliance. Rochelle shares her background, from studying law and working in litigation to transitioning into fintech, where she discovered a passion for business strategy, acquisitions, and regulatory compliance.G2 Risk Solutions, a pioneer in merchant and payments risk, helps financial institutions, payment facilitators, and large digital platforms detect and prevent fraudulent activities. Rochelle explains how G2 leverages its proprietary Merchant Map, a sophisticated network that tracks fraud patterns and identifies illicit transactions globally. She emphasizes the critical role of data and expertise in staying ahead of well-funded fraudsters, particularly as digital commerce grows rapidly in emerging markets.The discussion also touches on the increasing impact of AI in fraud detection and the challenges posed by evolving regulations. Rochelle highlights her passion for understanding customers and solving complex problems, as well as her personal interests in philanthropy, music, and family. She offers advice to young professionals entering the fintech space, encouraging them to explore their interests and embrace change.

Unlock the secrets to navigating the ever-evolving fintech landscape with Thomas Mueller, co-founder and CEO of Rivero. Discover how his journey has fueled his passion for innovation, leading to the creation of Rivero's transformative products, Kayo and Amico. Kayo is set to redefine compliance management for banks, while Amico promises a revolutionary approach to fraud recovery and dispute management. Thomas shares insights into the company's strategic expansion, focusing on banks with large card portfolios and harnessing a global SaaS model to make waves in both established and emerging markets. Plus, learn about their formidable partnership with Visa, which is shaping Rivero's distinct presence in the industry.Thomas paints a vivid picture of the changing payments landscape, emphasizing the diversification of payment methods and the imperative for banks to adapt swiftly. We also delve into the personal side of entrepreneurship, exploring Thomas's love for travel and cultural experiences, and his advice for budding fintech entrepreneurs who wish to break into the B2B payments sector. This episode is a call to action for those eager to innovate and build partnerships that bring specialized solutions to the financial world.

In this second episode of our three-part series with Payabli, we dive into their Pay Out product and explore how SaaS platforms are transforming money movement. Jo Phillips and Will Corbera share how they identified gaps in the market and built a unified API that enables software companies to embed and monetize payouts seamlessly. They discuss how traditional payout models often fail to maximize efficiency and revenue, and why SaaS platforms should go beyond simple merchant settlements.This episode breaks down the growing role of embedded managed payables and on-demand payouts, showing how software platforms can streamline vendor payments while creating new income streams. Jo and Will also highlight the impact of virtual card issuance as a revenue driver and explain why integrating both accounts receivable and payable within a single platform is a game-changer. Tune in to learn how embedded payouts are shaping the future of fintech and SaaS payments.

In this episode of the Leaders in Payments podcast, host Greg Myers speaks with Jo Phillips and Will Corbera, co-CEOs of Payabli, about how modern payment infrastructure is transforming vertical SaaS platforms.Jo and Will highlight the growing shift from legacy payment systems to embedded payments, allowing software companies to seamlessly integrate payment acceptance while unlocking new revenue streams. Payabli's approach is built around the three Ps: Pay In, Pay Out, and Pay Ops, offering a unified API infrastructure that simplifies payments and enhances user experiences.The conversation dives into the challenges SaaS companies face when monetizing payments—ranging from fragmented solutions to a lack of control over user experiences. Payabli solves these problems by providing a developer-friendly API and no-code solutions that allow businesses to customize their payment offerings effortlessly.Additionally, they discuss the importance of pricing flexibility, interchange optimization, and split funding, catering to the unique needs of different industries. With a strong focus on innovation, Payabli is expanding into AI-powered solutions, real-time payments, and digital lockbox technology to further streamline payments.This episode underscores why embedded payments are no longer optional for SaaS platforms—they are a strategic necessity.

Get ready to uncover the hidden intricacies of the B2B payments world with Perryn Holtrop, the innovative mind behind PayNation. Known for transforming payment efficiency in the manufacturing, distribution, and wholesale sectors, Perryn reveals how his company sets itself apart by seamlessly integrating with accounting and ERP systems to cut down on double entries. This episode promises to enlighten listeners about PayNation's client-centric approach, focusing on consultative solutions rather than price wars, and tackling the unique challenges faced by middle-market businesses in the US.Join Perryn and me on a reflective journey through his entrepreneurial past, from early days in auto security to managing comedy acts and ultimately staking his claim in the payments industry during the COVID-19 pandemic. Personal anecdotes highlight how the flexibility of the payments field allows for a rewarding balance between business and family life, including his daughter's athletic pursuits and his son's brief stint with cold calling. Explore the often misunderstood world of payments as we distinguish the field's opportunities and challenges, making this episode a must-listen for seasoned professionals and newcomers alike.

Unlock the future of self-service payments as Elyssa Steiner, Chief Marketing Officer at Cantaloupe, joins us to uncover the latest innovations redefining the commerce landscape. Elyssa brings her extensive experience in marketing and self-service technology to our discussion, offering a compelling look at how Cantaloupe is leading the charge with cutting-edge payment solutions and analytics. We explore the profound shift towards cashless transactions, heightened by the global pandemic, and the ripple effects this has on consumer habits and business operations. From vending machines to futuristic smart stores on university campuses, Elyssa paints a vivid picture of a cashless world where convenience and technology go hand in hand.Our conversation delves into the transformative power of AI and emerging technologies that are set to revolutionize consumer experiences and retail operations in 2025 and beyond. Discover how AI is making shopping more personalized through clever recommendations and dynamic pricing, while helping businesses optimize with predictive analytics and smarter inventory management. We're taking a close look at innovative technologies like weighted shelf systems and seamless mobile integration that promise frictionless payment experiences, particularly in entertainment venues. Elyssa shares insights on the challenges and triumphs of scaling these advanced solutions and how Cantaloupe continues to push the boundaries in retail technology. This is a must-listen for anyone intrigued by the evolving world of self-service commerce and the digital payment revolution.

Carlos Vega, Co-Founder & CEO of Tesorio, joins us to share his remarkable journey from Panama to the U.S. and back, offering a fresh perspective on revolutionizing financial operations. Discover how Tesorio is transforming the post-sales processes for industries like B2B SaaS, manufacturing, and professional services by enhancing cash flow predictability. With a fully distributed team across the Americas, Tesorio is addressing inefficiencies head-on, replacing outdated methods with innovative solutions. Gain insights into Carlos's vision and how his experiences have shaped Tesorio's mission, including its seamless integration with financial and CRM systems.The episode takes an intriguing turn as we explore future trends in the payment industry, focusing on the concept of "convergent evolution" in software development. We delve into how increased competition is shifting focus from traditional competitive advantages to data-driven strategies and brand reputation. Carlos sheds light on how reimagining cash flow as a data problem can optimize forecasts through network thinking and data connectivity. Uncover the challenges of extended payment terms in B2B transactions and the potential transformation of accounts receivable and payable for enhanced efficiency.

Join us as Amanda Crocker, the dynamic COO of SWIVEL, shares her captivating journey from the sun-soaked shores of Southern California to the heart of Texas, with academic stops in Reno along the way. Discover how Amanda is steering SWIVEL's innovative payment platform to serve financial institutions, credit unions, and the K through 12 market across the U.S. Her insights into targeting mid-market credit unions and smaller community banks with a blend of direct sales and strategic partnerships reveal the company's unique competitive advantage, all under the trusted SWBC umbrella. Amanda's passion for integration capabilities stands out, making Swivel a name to watch in the competitive payments landscape.Our conversation then takes a fascinating turn as Amanda recounts her diverse career path, spanning industries like mortgage servicing, non-profit, manufacturing, and tech giants such as Microsoft and Facebook. Her experiences offer valuable lessons on the evolution of digital advertising and payment systems, and the importance of building strong company cultures. She also shares personal anecdotes about her love for outdoor adventures with her family and her adventurous pets. Aspiring professionals in the payments industry will find Amanda's advice inspiring, as she emphasizes creativity and the power of teamwork.

Artie Minson, President and CEO of LeafLink, takes center stage, sharing his journey from New York to the forefront of the cannabis tech industry. As a leader in B2B technology, Artie guides us through LeafLink's innovative ecosystem, connecting licensed cannabis brands and retailers with groundbreaking solutions to industry challenges. Discover how LeafLink is transforming the commerce landscape through its unique "pay on sell-through" tool, easing working capital pressures and ensuring secure payments. Artie's insights into LeafLink's strategic banking innovations reveal a commitment to tackling the underbanked nature of cannabis businesses, promising streamlined operations and efficiency gains in key states like Michigan, Colorado, and Mississippi.Setting the stage for a revolution in cannabis payments, we explore the complexities and cash-dependent nature of this emerging market against the backdrop of federal legalization. Our conversation with Artie highlights LeafLink's all-in-one technology strategy, designed to integrate payment systems and deliver an e-commerce experience tailored for cannabis providers. Artie's career trajectory, from media and tech CFO roles to leadership at WeWork and LeafLink, reflects a passionate drive to redefine commerce in this dynamic space.

Join us as we chat with Alek Koenig, the visionary CEO and founder of Settle, who shares his journey from the streets of Poland and Texas to leading a groundbreaking company that is redefining backend software for CPG businesses. Alek dives into how his experiences at Capital One and various fintech startups equipped him with the skills to launch Settle, a platform that seamlessly integrates accounts payable, procurement, inventory management, and working capital solutions. Discover why Settle has shifted its focus from early-stage founders to finance executives as it scales, and how it leverages innovative go-to-market strategies like direct sales and partnerships with accounting firms.Alek also offers a glimpse into the future of fintech, highlighting the industry's move towards integrated solutions that combine payments, accounting, and financing, while maintaining a cautious stance on blockchain due to regulatory challenges. He reflects on the entrepreneurial spirit that runs through his family, sharing insights on tackling meaningful challenges and maintaining a balance between work and family life. Aspiring fintech entrepreneurs will find Alek's advice invaluable - emphasizing the importance of gaining experience at successful companies to identify the problems worth solving. Tune in to learn how Settle is on a mission to revolutionize finance and operations for CPG companies and beyond and find out how you can become part of this exciting journey.

Unlock the secrets of e-commerce success for small businesses in the UK with insights from industry leaders Chintan Gandhi and Rob Ward of Worldpay. Discover how small and medium-sized businesses in the UK can transform their digital strategies by embracing innovative payment solutions. As Director of Strategic Planning and Go-to-Market, Chintan shares his expertise on navigating the UK e-commerce landscape, while Rob Ward, Product Director for eCommerce, provides a roadmap for integrating Worldpay's cutting-edge solutions into any business model. Learn to tackle common merchant challenges and elevate your online presence by implementing actionable strategies and best practices that are essential in today's digital economy.Join us as we explore the future trends that will redefine the e-commerce arena for SMBs in the UK. From digital wallets to cryptocurrencies, find out why diversifying your payment options is more crucial than ever. Hear from Chintan and Rob about the transformative role of AI and blockchain in enhancing customer experiences and securing transactions. You'll also get an exclusive peek into Worldpay's product roadmap, highlighting the innovations that promise seamless onboarding and robust support. Worldpay's commitment to empowering small businesses in the UK with tailored solutions is clear, and this episode is your ticket to staying ahead of the curve in the ever-evolving world of e-commerce.

Curious about how fintech companies are reshaping the landscape for high-risk industries? Our latest episode of the Leaders in Payments podcast features an engaging conversation with Ben Haguel, CEO of TCB Pay, who provides a firsthand account of his journey from Paris to becoming a prominent figure in the US payments sector. Ben's insights promise to enrich your understanding of the complex world of high-risk payment solutions, highlighting how TCB Pay's pioneering technology sets them apart. Learn how this innovative company tackles challenging sectors like telemedicine and crypto exchanges, ensuring compliance and security while driving growth across the US and European markets.Join us as Ben shares TCB Pay's distinctive approach to creating and managing their own technology solutions, discussing the strategic emphasis on the issuance of prepaid corporate credit cards and efficient payment processing. With a focus on reducing risk through technology and legal compliance, Ben provides a deep dive into how TCB Pay caters to high-volume clients and the rigorous measures employed to uphold integrity. Get ready for compelling insights into the future of payments and discover how TCB Pay is strategically positioning itself to be a leading player in the evolving fintech landscape.

Unlock the strategies that make Worldpay a leader in the UK e-commerce scene with insights from our distinguished guests, Chintan, Richard, and Sarah. Discover the art of transforming prospects into loyal customers through innovative payment solutions and a focus on the merchant lifecycle. Chintan reveals the secrets behind WorldPay's go-to-market strategy, emphasizing the power of targeted outreach and consultative sales. Meanwhile, Richard sheds light on how his team empowers small to medium-sized businesses with tailored e-commerce solutions and technical expertise. With Sarah at the helm of customer experience, learn how operational strategies differentiate Worldpay in a competitive industry. Explore how WorldPay's bespoke approach aids SMBs in selecting and implementing the most effective payment solutions. From solution consultation to seamless integration, uncover how Worldpay's implementation team collaborates with businesses to optimize their payment systems. Sarah discusses the unmatched importance of exceptional customer support, featuring a multi-channel approach that includes 24/7 service and an interactive online portal. Learn how WorldPay assists new customers in mastering their portal experience, ensuring they manage their accounts efficiently from day one. This episode is packed with actionable insights to enhance your e-commerce operations and deliver unparalleled customer experiences.

Scarlett Sieber, the dynamic Chief Strategy and Growth Officer at Money 2020, takes us through the fascinating transformation of the event from its humble beginnings in Las Vegas to becoming a global powerhouse in the fintech ecosystem. She shares her journey from the scenic landscapes of Durango, Colorado, to the energetic cityscape of New York City, detailing how her diverse experiences have shaped her professional path. Listeners will gain a unique perspective on Money 2020's strategic pivot towards a fintech-centric approach and its role in fostering the complexity and collaboration that define today's financial services industry. As we prepare for the next Money 2020 event in the US, Scarlett offers an insider's peek into the innovative themes and engaging experiences that await attendees.Beyond the evolution of Money 2020, Scarlett recounts her professional growth, emphasizing the importance of networking and diverse professional experiences, whether through co-founding a startup or advising NASA on cross-industry innovation. She provides practical advice for making the most of fintech conferences, underscoring the importance of strategic preparation and the power of personalized follow-ups. Discover the varied session formats at Money 2020, such as the interactive briefing stage and Off the Record sessions, designed to cater to all learning levels and promote community building. Whether you're new to fintech or a seasoned veteran, this conversation offers valuable insights and inspiration on navigating the future of financial technology.

Unlock the secrets to thriving in the UK's competitive e-commerce landscape with insights from WorldPay's very own Chintan Gandhi and Rob Ward. Join us, along with these industry leaders, as we explore how WorldPay is revolutionizing payment solutions to help merchants face modern challenges head-on. With Chintan's strategic know-how in payments and Rob's unique transition from law to a decade of experience at WorldPay, we promise a comprehensive look at how businesses can enhance their payment processing efficiency. From simplifying onboarding to crafting bespoke checkout experiences, our discussion unravels WorldPay's dedication to offering seamless, digital-first solutions tailored for businesses large and small.Immerse yourself in a conversation about the crucial elements of payment security and management. Discover how WorldPay's 3DS Flex and tokenization can fortify your transactions while maintaining a smooth customer experience. You'll also gain insights into the powerful analytics and real-time data offered by the WorldPay dashboard, all designed to empower merchants with better control and understanding of their sales trends. Whether you're looking to streamline compliance checks or explore alternative payment methods like pay-by-link and pay-by-phone, this episode equips you with actionable strategies to ensure your e-commerce venture not only survives but thrives.

In episode 358 of the Leaders in Payments podcast, I interview Henry Helgeson, the recently appointed CEO of BlueSnap. Helgeson shares his journey from founding Merchant Warehouse to leading BlueSnap, a global payment facilitator specializing in B2B payments and payment orchestration. He explains BlueSnap's focus on providing payment solutions in 47 regions, helping businesses with complex global payment needs. BlueSnap excels in offering local acquiring and reducing cross-border fees, making transactions smoother for businesses with multinational operations. Helgeson also discusses the importance of partnerships with ISVs and ERP systems, highlighting BlueSnap's ability to cater to mid-market businesses. Looking ahead, he predicts continued growth in card-not-present payments, increased use of AI, and challenges related to fraud as AI tools become more accessible to malicious actors. Helgeson expresses excitement about BlueSnap's future growth and his decision to come out of retirement to lead the company. 

Unlock the secrets to safeguarding your e-commerce business from the pitfalls of card-not-present fraud and boost your checkout conversion rates with insights from industry experts Chintan Gandhi, Director of Strategic Planning and Go-To-Market, and Gordon Barclay, Director of Business Development at Worldpay. You'll discover how pervasive fraud can cost small and medium businesses dearly, and why chargebacks are more than just a financial setback—they can cripple your ability to process future payments. Chintan and Gordon share their extensive experience and strategies to mitigate these risks effectively.Struggling with high rates of cart abandonment? You're not alone—54% of digital shoppers leave transactions unfinished due to repeated payment retries. Gordon Barclay explains how Worldpay's innovative solutions, including the integration of Apple Pay and Google Pay, can provide a seamless checkout experience that keeps customers coming back. By adopting a consultative approach, Worldpay aligns merchant needs with current consumer trends, ensuring that businesses remain competitive and customer-centric. Tune in to discover actionable strategies and flexible payment integration solutions designed specifically for small business owners in the UK looking to thrive in the ever-evolving e-commerce landscape.

Curious about the future of B2B payments and their security? Learn from Shai Gabay, co-founder and CEO of Trustmi, as he unveils his journey from a small town near Tel Aviv to creating a groundbreaking payment security platform in the U.S. Discover how TrustMi is revolutionizing industries like pharmaceuticals, manufacturing, and hospitality by safeguarding $185 billion in transactions and preventing $5 billion in errors and fraud. Gain insights into the evolving landscape of cyber threats and understand the necessity of modern solutions to stay ahead. Shai's experience from military intelligence to entrepreneurship offers a compelling narrative on leveraging technology to tackle complex business issues.This episode is a must-listen for anyone interested in the intersection of technology and finance. Shai Gabay's journey and TrustMi's achievements provide a compelling narrative of innovation, security, and the future of B2B payments. By subscribing and engaging with the podcast, listeners can stay informed about the latest trends and insights shaping the financial landscape.