Leaders In Payments

Jared Ronski, Co-founder and President of Payarc, takes us behind the scenes of how modern payment technology is empowering independent sales agents and merchants alike.The conversation reveals Payarc's unique approach to partner relationships, where "growth through alignment" isn't just a catchy phrase but a business philosophy that has kept agents loyal since the company's earliest days. At a time when margins are under pressure and regulations constantly shift, Payarc has doubled down on relationship equity, transparency, and technological innovation.The spotlight shines on Payarc's groundbreaking PIE AI pricing advisor, a tool that transforms the traditionally time-consuming process of statement analysis into a streamlined, self-service experience. "It's like having a seasoned sales coach whispering in your ear during merchant conversations," Ronski explains. This AI-powered assistant helps agents confidently navigate complex pricing structures, even in challenging verticals like microtransactions where interchange economics can quickly erode profits if mishandled.What truly sets Payarc apart is their approach to agent relationships – treating them "like enterprise customers" with dedicated support teams, shared dashboards showing real-time data, and proactive risk monitoring that spots potential issues before they affect merchant processing. While some industry voices have long predicted the decline of the agent model, Ronski sees the opposite trend, with Payarc signing new agents daily and creating pathways for them to thrive in evolving markets.Listen now to discover how Payarc is turning payment complexity into opportunity and building lasting partnerships one transaction at a time.

Pat Moye, Executive Director of Product Innovation at Deluxe, unveils the surprising reality of accounts receivable departments still trapped in manual processes despite technological advances elsewhere in business. As he aptly points out, AR professionals often describe themselves as "cash detectives," spending valuable time hunting down payment information across disconnected systems - a critical bottleneck in business cash flow.The heart of modern AR transformation isn't flashy AI algorithms but rather solid data foundations. Pat emphasizes that payment information typically exists across multiple fragmented systems: "The data from ACH and wire payments is with the bank. The data from lockbox payments is with a company like Deluxe. The data about open invoices is in their ERP." This fragmentation creates significant challenges when attempting to implement automation, as these disparate data sources must first be unified and standardized.Organizations seeking to modernize their AR operations should resist the temptation to overhaul everything at once. Instead, Pat advocates for an agile approach that tackles specific pain points incrementally: "Don't think about making these big swings. Think about the incremental gains you can have by just changing some pieces of the puzzle." This methodical journey begins with consolidating basic payment data sources before expanding to incorporate unstructured data and advanced analytics - allowing teams to transform from operational cost centers into strategic business partners.Discover how Deluxe has evolved beyond its 110-year history as "the check company" to become a comprehensive payment and data solutions provider, helping businesses eliminate AR friction points and accelerate cash flow. Whether you're just beginning your automation journey or looking to enhance existing capabilities, this episode offers practical insights for finance leaders ready to transform their receivables operations.

Zac Schneiderman shares a deeply personal journey from political science student to VP of ISV at Payarc, where he's become a driving force behind the company's innovative approach to payment integration for software platforms.What does it take to build successful partnerships in the fast-evolving payments ecosystem? For Schneiderman, it begins with understanding what software companies truly need: feature-rich payment solutions that deliver reliability, flexible pricing models, and exceptional support. "Speed to revenue is the name of the game," he explains, detailing how Payarc's approach combines cutting-edge technology with human expertise to activate partners quickly.The conversation reveals fascinating insights into the integration process – often the make-or-break moment for ISV partnerships. Schneiderman estimates a third of signed contracts fall apart during integration, which is why Payarc invests heavily in dedicated sales engineers, weekly check-ins, and robust sandbox environments. Their proprietary AI tool, PIE AI, represents the next frontier, helping debug code and streamline developer experiences.Looking toward the future, Schneiderman predicts a significant "decoupling of SaaS and payments" as technology evolves at breakneck speed. Software companies will increasingly rely on specialized payment partners rather than building in-house payment departments. Meanwhile, AI applications continue expanding beyond integration support to include lead generation, external developer tools, and merchant conversion campaigns.

Ever wonder what it takes to transform a basement startup into a global payments powerhouse processing over a quarter trillion dollars annually? In this fascinating conversation, Taylor Lauber, CEO of Shift4, reveals the remarkable journey that's taken the company from a small payment processor to an innovative force reimagining commerce across 75 countries worldwide.Taylor's own path to leadership wasn't straightforward. After beginning his career at Merrill Lynch and Blackstone, he initially resisted joining Shift4 despite his teenage connection to founder Jared Isaacman. His skepticism about the sustainability of the payments business model eventually gave way when he recognized that Shift4 wasn't just riding a fintech wave but actively creating their future through strategic innovation and problem-solving. "This was not luck," Taylor explains. "This is a team that can identify opportunities and manufacture success."What sets Shift4 apart in the crowded payments landscape? According to Taylor, it starts with humility – "If we stand still, we will not survive" – coupled with the ambition to tackle problems others avoid. Unlike competitors who choose a single strategy, Shift4 employs a three-pronged approach: building proprietary solutions when necessary, acquiring strategic assets that shouldn't be standalone features, and partnering intelligently where ownership might alienate collaborators. This flexibility has allowed them to serve diverse markets from single-location restaurants to massive enterprises like casinos and stadiums.Taylor offers particularly valuable insights about global expansion opportunities. While integrated payments have reached relative maturity in the United States, international markets remain in the "early innings," with payment experiences often resembling those in the U.S. from 15-20 years ago. This represents an enormous opportunity for companies that can adapt proven solutions to new cultural contexts.Listen now to discover how Shift4 balances innovation with execution, and how Taylor maintains his own equilibrium between leading a global enterprise and preserving sacred family time around the dinner table.

Stepping into the world of small business banking requires a fresh perspective, and that's exactly what Eyal Lifshitz brought when he founded Bluevine twelve years ago. Having watched his father run a physical therapy practice, Eyal witnessed firsthand the financial challenges small business owners face daily. Today, as Bluevine's CEO, he's transformed that understanding into a revolutionary banking platform serving over 750,000 small businesses across America.Traditional banking has long overlooked the unique needs of businesses generating less than $5 million in annual revenue. These companies represent half of the U.S. GDP and typically operate without finance departments, leaving owners to handle everything from payroll to invoicing themselves. Bluevine's solution? A comprehensive financial operating system that brings checking accounts, credit products, accounts payable, and receivable management together in one digital platform.What makes Bluevine truly stand out is its branchless, digital-first approach. While most banks still require small business owners to visit physical locations weekly, Bluevine delivers a fully online experience with no monthly fees and competitive yields on deposits. This approach resonates particularly with younger entrepreneurs who expect the same digital convenience in business that they enjoy in personal banking.Looking ahead, Eyal sees several transformative trends reshaping small business finance: accelerating adoption of digital-first banking, demand for real-time payment capabilities across all rails, and integration of AI-powered financial guidance. Listen to Eyal's full interview for insights on breaking free from traditional banking limitations and embracing the future of small business finance.

We're proud to kick off our four-part Modern Finance series with a conversation with Deluxe's Yogs Jayaprakasam, SVP, Chief Technology & Digital Officer. AI isn't just changing treasury - it's completely reimagining how financial teams operate, transforming them from back-office functions into strategic business advisors.Yogs Jayaprakasam reveals how treasury departments are leveraging artificial intelligence to solve age-old challenges in revolutionary ways. While treasury has always focused on managing liquidity, cash flow, risk, and compliance, today's AI-powered tools are eliminating manual workloads and enabling real-time, data-driven decision making that wasn't possible before.The impact is already measurable. Document extraction accuracy has jumped from 65% to 95% using AI agents, dramatically reducing the need for manual matching and reconciliation. This frees treasury professionals to focus on strategic questions: What's driving cash flow delays? Why are dispute rates increasing? How can we optimize working capital? Real-world implementations at companies like McNaughton McKay demonstrate how these technologies improve not just receivables functionality but credit management as well.What makes today's AI revolution different from previous technological advances? As Yogs explains, "AI is moving at a speed I haven't seen before in my 25+ year career." The convergence of big data, cloud computing, and specialized hardware has created perfect conditions for transformative change. Yet the fundamentals remain constant - treasury's core problems haven't changed, but how we solve them has.For treasury leaders looking to navigate this transformation, Yogs recommends his "3×3" talent development framework, tailoring AI skills development across both proficiency levels and career stages. The message is clear: AI is here to stay, and the organizations that thrive will be those that embrace these technologies while maintaining unwavering focus on solving their customers' financial challenges.To learn more visit: https://www.deluxe.com/receivables-management/cash-application/ 

What happens when you combine lightning-fast payments with sophisticated identity verification? James Neville, CEO of Yaspa, reveals how his company is transforming financial transactions by connecting these two critical elements.Yaspa stands at the cutting edge of real-time payment processing, offering the fastest account-to-account transfers across Europe with expansion plans for the US market. But speed is just one part of their innovation. The company's true differentiator lies in how they package these payments with bank-based identity verification and financial health assessment using proprietary machine learning algorithms creating a comprehensive solution especially valuable for regulated industries.The gambling sector has become a particular focus, where Yaspa works closely with regulators to establish affordability standards and identify markers of potential gambling addiction. This approach represents a fundamental shift in how payment companies view their responsibilities: not just moving money, but ensuring transactions are appropriate and safe for all parties involved.With a recent $12 million funding round from Discerning Capital, Yaspa is establishing an Atlanta office, strategically positioning themselves in one of America's payment technology hubs. Neville sees significant opportunity to shape the US regulated gaming market while it's still in its relative infancy, bringing lessons learned from Europe's more mature regulatory environment.Looking toward the future, Neville offers fascinating insights on everything from stable coins and central bank digital currencies to the potential (and limitations) of agentic AI in payment flows. He challenges conventional wisdom about account-to-account payments at point-of-sale, highlighting how consumer habits and technical constraints create barriers that many industry observers overlook.Tune in to discover how payments and identity verification are converging to create safer, faster, more intelligent financial ecosystems.

From her journey through marketing roles at large payments companies to building out the marketing function at Paysafe, Alisa Barber, CMO reveals the continuous learning and adaptation required to thrive in the rapidly evolving payments landscape. Her leadership philosophy centers on providing clear direction while creating space for team members to shine, emphasizing that growth comes not from singular defining moments but from getting better every day: "What we did yesterday is not good enough for tomorrow."Women bring unique strengths to payments, Barber explains, particularly empathy and a deeper understanding of consumer experiences. This perspective is invaluable when designing products and building systems, especially considering women make many household financial decisions yet are underrepresented in the industry. Their collaborative leadership style becomes increasingly crucial as artificial intelligence transforms payments – a change Barber predicts will be "as big as the internet was."The conversation explores mentorship's vital role in career development, with Barber noting that while most of her mentors were men, she now prioritizes mentoring women to provide the guidance she lacked early on. Her practical advice for aspiring payment professionals? Embrace change, speak up, view challenges as opportunities, and invest in relationships – because in an AI-driven world, human skills will differentiate the truly successful leaders.Whether you're a seasoned payments veteran or considering entering this dynamic industry, this episode offers valuable insights on navigating leadership with authenticity, building inclusive teams, and preparing for the technological transformation reshaping our financial landscape. 

 “This episode contains explicit language and may not be suitable for all audiences.” The journey from developer to co-CEO of a global payments provider isn't for the faint of heart. Monika Liikamaa knows this firsthand. As the co-founder of Enfuce, she's built a company that processes cards for 24 million cardholders worldwide, pioneering cloud-native solutions when the industry thought it impossible.Monika's story begins in northern Sweden, where Finnish parents raised a future engineer who would transform multiple industries. After cutting her teeth in telco during Finland's Nokia boom and subsequent crash, she found herself building a bank from scratch as a consultant. This experience sparked a revelation – she was a builder at heart, drawn to challenges others deemed too difficult. When offered the chance to create a financial institution capable of handling three countries, three currencies, two time zones and revolving credit, she couldn't resist.What makes Monika's leadership philosophy stand out is its refreshing directness. "Openness, honesty and trust," she explains, form the bedrock of effective leadership. She advocates for diversity not as a checkbox exercise but as a competitive advantage. With approximately 50% male and female employees representing over 20 nationalities, Enfuce harnesses diverse perspectives to create more effective payment solutions. This approach acknowledges a simple reality in payment design: women make the majority of household payment decisions, yet have historically been underrepresented in designing those very systems.Perhaps most revealing is Monika's response to crisis. When UNICEF needed relief cards for Ukrainian refugees, her team delivered in days what normally takes months. This experience crystallized what drives her – solving meaningful problems that make a tangible difference in people's lives. It's the same spirit behind the "Fortitude Pledge" she launched, challenging payment industry players to combat human trafficking and financial crime.For those looking to enter the payments industry, Monica offers practical wisdom: understand problems deeply, gain perspective from different sides of the table, and remember that no company has been built exactly like yours before. 

Redefining leadership requires authenticity, cross-functional collaboration, and a willingness to embrace non-linear career paths. Kari Wilhelm, SVP of Data Strategy and Commercialization at Worldpay, embodies these principles as she navigates the complex intersection of payments technology and data innovation.In this fascinating conversation, Kari reveals how her unconventional journey from economic research in Hong Kong to management consulting at McKinsey ultimately led her to the payments industry. Rather than viewing her diverse background as a limitation, she's leveraged these varied experiences as strategic assets that provide unique perspectives on complex business challenges. As she notes, "I've really experienced that kind of non-linearity as more of a strength rather than a setback."Kari offers profound insights on modern leadership, emphasizing the importance of building inclusive team cultures, setting clear expectations, and providing the necessary tools for success. She highlights how the pandemic has transformed leadership dynamics, creating new challenges for maintaining collaborative environments across dispersed teams. Her practical solutions for adapting leadership approaches in virtual settings demonstrate her thoughtful, pragmatic approach to team management.The conversation explores the unique strengths women bring to payments leadership, particularly their ability to work cross-functionally and build consensus across stakeholders. Kari observes that women often excel at listening deeply to understand underlying needs rather than just surface requests, allowing them to craft solutions that address fundamental issues and build alignment across diverse groups.As leader of Worldpay's data strategy initiatives, Kari provides fascinating glimpses into how AI and data analytics are transforming the payments landscape. Her current focus on leveraging Worldpay's vast transaction data to provide merchant insights represents the cutting edge of payments innovation, with potential to reshape how consumers discover and purchase products.Whether you're a payments veteran, an aspiring leader, or simply curious about the human elements that drive technological innovation, Kari's perspective offers valuable guidance on navigating today's complex business environment with authenticity and purpose.

The payments landscape is undergoing dramatic transformation, demanding new approaches to leadership and innovation. Karen Xu, Chief Financial Officer for North America at Ingenico, brings a fresh perspective on navigating this evolution while balancing personal and professional priorities.Growing up in Shanghai's French Concession sparked Karen's curiosity to explore the world, eventually leading her to America with a full scholarship to Emory University. After building expertise at consulting powerhouses and industrial giants like GE and Honeywell, Karen made the pivotal transition to Ingenico seeking greater impact in a private equity-backed environment. Within months of joining, she transformed the North American region into the company's top performer across all financial metrics.Karen shares a defining moment when her first-grade son wished for "mommy to be happier," prompting her career pivot from a demanding global CFO role requiring 70-hour workweeks to her current position. This recalibration allowed her to maintain leadership impact while reclaiming family time - a decision she reflects on with satisfaction rather than regret.The conversation explores why payments is more welcoming to women than traditional manufacturing sectors, and why this matters when women influence 70-80% of payment decisions. Karen believes women's natural empathy, collaborative approach, and diverse perspectives drive innovation essential for the industry's future. For emerging professionals, Karen offers wisdom gained from mentors who shaped her approach to leadership: "bloom where you are planted" and develop the ability to see what others cannot. The most successful payment solutions will combine trust, ease of use, and scalability - with women leaders positioned to excel by staying close to customer needs and leveraging data insights.

Aglika Dotcheva's journey from organizing student strikes in post-communist Bulgaria to becoming CFO of Riskified is a masterclass in resilience and adaptive leadership. With just $3,000 in her pocket and dreams of a better future, Agi arrived in New York, eventually studying at Columbia University before finding her path in fintech.What makes Agi's story particularly compelling is how she transformed setbacks into stepping stones. When her investment banking offer disappeared during an economic downturn, she pivoted to a tech company project that unexpectedly revealed her passion for the intersection of finance and technology. Nearly a decade ago, she joined Riskified as their first finance hire, building their financial infrastructure from scratch and guiding them through multiple funding rounds to a successful IPO in 2021 – remarkably accomplished during the height of the COVID pandemic.Throughout our conversation, Agi shares profound insights on modern leadership, emphasizing that while strategic vision remains essential, adaptability has become increasingly crucial in today's rapidly changing business landscape. "Effective leaders must be able to adapt their strategies and remain flexible," she notes, reflecting on how Riskified has navigated various growth cycles. She also highlights the unique strengths women bring to the payments industry, including heightened resilience from overcoming biases, greater empathy, and superior collaborative skills – all vital for innovation in tech environments.For those aspiring to leadership in finance or fintech, Agi offers golden advice: don't be just a "numbers person." She emphasizes that true strategic leadership comes from understanding the business fundamentally, maintaining a continuous learning mindset, and – perhaps most importantly – viewing challenges as opportunities for growth. As she beautifully summarizes: "When life gives you lemons, make lemonade." Listen now to discover how this philosophy has shaped one of the most dynamic leaders in fraud prevention technology.

What happens when bold career moves and authentic leadership philosophy unite? Just ask Outhay Lovan, Chief People Strategy Officer at VizyPay, who transformed from LinkedIn observer to executive leader by taking an unconventional path that started with "stalking" the company online.In this captivating conversation for Women Leaders in Payments month, Outhay reveals her remarkable journey from human resources management into the payments industry. Born in Laos with parents from Laos and Thailand, and raised in Des Moines, Iowa, her story exemplifies how strategic networking and stepping outside comfort zones create unexpected opportunities. After watching VizyPay's culture unfold on social media for months, she attended their office opening, boldly introduced herself to leadership, and ultimately created her own executive path.Outhay's leadership philosophy centers on a delicate balance that many strive for but few master: combining flexibility and empathy with clear accountability. "I want to be a leader that I would want," she explains, having experienced her share of ineffective management throughout her career. This authenticity has helped build VizyPay's standout culture in the payments space. She particularly highlights empathy as women's critical contribution to the industry, enabling stronger relationships and innovative thinking.The conversation explores how payment technologies are evolving, with Outhay noting the generational divide between her occasional check-writing and her children's fully digital payment habits. She stays innovative through industry networking groups and advises upcoming women leaders to "be bold, be curious" while advocating for themselves: "No one's going to fight harder for you to succeed than yourself."Listen now to discover how empathy-driven leadership and strategic boldness can transform both organizations and careers in the rapidly evolving payments landscape.

From humble beginnings as a mathematics student in India to overseeing Citi's payments operations across 94 countries, Debopama Sen's 29-year journey offers valuable lessons for aspiring leaders. Her perspective on leadership is refreshingly practical: find the signal amidst the noise, articulate a clear strategic vision, and focus on helping your team excel. "It shouldn't be about the leader," she emphasizes, noting that in today's AI-driven landscape, the competitive edge comes from developing adaptability, critical thinking, empathy, and collaboration rather than just accumulating knowledge.The conversation takes a fascinating turn when Debo discusses the inevitable shift toward real-time, 24/7/365 payment systems. This isn't merely a trend but a fundamental transformation that businesses must embrace to remain competitive. As she points out, even if your current business model doesn't demand instantaneous transactions, your customers, suppliers, or partners will eventually pull you in that direction. Citi has positioned itself at the forefront of this evolution with innovations like real-time liquidity solutions and 24/7 dollar clearing.Perhaps most inspiringly, Debo shares wisdom on mentorship and using your voice as a female leader. "You have a voice and therefore you have a responsibility to use it," she advises younger women in the industry. She encourages professionals to proactively seek mentors beyond formal corporate programs, noting that most leaders are eager to give back. Her collaborative approach to leadership - viewing partnerships between traditional institutions and Fintechs as opportunities where "one plus one makes five" - exemplifies how diverse leadership styles can drive innovation in payments.Join us for this thought-provoking conversation about redefining leadership through influence, impact, and innovation in the evolving payments landscape. 

"The ability to juggle multiple projects and priorities is on a different level with working mothers," observes Lena Hackelöer, CEO and founder of Brite Payments, during our illuminating Women Leaders in Payments episode. Five years after launching her company focused on account-to-account payments in Europe, Lena brings fresh perspectives on leadership, innovation, and diversity in the rapidly evolving FinTech landscape.Having cut her teeth at Klarna during its early growth stages, Lena's journey from marketing professional to FinTech founder offers a blueprint for aspiring women leaders. She challenges the notion that technical backgrounds are prerequisites for success in payments: "Don't shy away from the challenge just because you don't have a technical background. That's a really common misconception." Instead, she advocates gaining comprehensive understanding of business operations across departments, creating value through perspective rather than siloed expertise.What truly sets European payments apart right now? Lena highlights the game-changing instant payment regulation enabling 10-second transfers across the entire Eurozone. This cross-border capability is transforming how merchants and consumers interact with money, positioning account-to-account transfers as a formidable alternative to traditional card processing. With Brite Payments now operating across 27 European markets, Lena's insights into the region's payment transformation arrive at a pivotal moment.Her leadership philosophy balances high performance expectations with collaborative support - rejecting both the command-and-control approach and the ultra-consensus models that can slow innovation. This middle path creates space for diverse voices while maintaining the decisive momentum essential in FinTech. For women navigating this dynamic industry, Lena's structured mentorship approach, including strategically pairing board members with executives for built-in guidance, offers a replicable model for nurturing talent.Listen now for practical wisdom from a leader who's building the future of payments from the ground up.

What happens when your work drains rather than energizes you? For Ahalya Vijay, VP of Product Operations at Worldpay, this realization sparked a pivotal career transformation from consulting to product leadership in payments.In this illuminating conversation for Women Leaders in Payments month, Ahalya shares her global journey from Singapore to the crossroads of product and technology transformation. With remarkable candor, she reveals how an exercise mapping her energy levels across various projects led to a career-defining revelation: her superpower lies in cross-functional leadership, bringing diverse perspectives together to create tangible solutions.At WorldPay, Ahalya leads Product Operations across three critical domains: strategy planning, analytics reporting, and operating model transformation. She describes product management as "a constant game of trade-offs," requiring data-driven decision-making to prioritize initiatives with limited resources. Her collaborative leadership style enables her to be a bridge between business functions while empowering team members to reach their potential.The conversation ventures into artificial intelligence's transformative impact on payments, with Ahalya detailing how Worldpay is embedding AI into products while developing responses to its implications for tokenization, fraud prevention, and KYC. She also highlights open banking's potential growth in the US market, with Worldpay planning significant product launches in coming quarters.Perhaps most valuable is Ahalya's distinction between mentorship and sponsorship. While mentors advise, sponsors "solve for your potential before you're aware of it," creating opportunities by advocating for you in rooms where you aren't present. Her advice for women in payments? "Own your impact and your story. Become comfortable talking about yourself because you're your best advocate."

Andie Hill's career defies traditional paths. From searching newspaper classifieds to becoming Executive Vice President of Agent Sales at Payroc, her journey illustrates how authenticity and relationship-building create leadership success in the payments industry."Being relevant and authentic" defines modern leadership for Hill. Throughout our conversation, she dismantles the myth that leaders must present a perfect image, emphasizing instead that showing up as your genuine self - even on difficult days - creates stronger connections and more effective outcomes. This philosophy has guided her through positions at industry giants including First Data, Vantiv, and Visa before her current role at Payroc.Technology emerges as both challenge and opportunity throughout our discussion. As Hill notes, "We just feel like we started to really get a good handle on integration and ISVs, and now here comes AI." She predicts even more seamless payment experiences in the near future, such as phone-to-phone transfers happening with a simple tap rather than through apps. This perspective emphasizes how payment professionals must constantly anticipate and adapt to technological shifts.Perhaps most valuable for emerging professionals is Hill's insight on mentorship. Rather than formal programs with rigid schedules, she credits casual conversations at industry events and networking opportunities for her most transformative professional relationships. "Some of the best mentorship I've ever had were the people that I've met sitting at a registration desk," she shares, encouraging young professionals to proactively seek these connections rather than waiting for formal introductions.Have you considered a career in payments? As Hill advises, "Don't let the noise scare you." Despite its technical complexity, the industry remains accessible and rewarding for those willing to embrace learning. Take the first step - reach out to someone in the field today and start your own payments journey.

Maggie O'Toole's remarkable journey from arriving in Chicago from Poland with just $300 to becoming Chief Client Officer at Dash Solutions exemplifies the power of mindset and determination in creating extraordinary outcomes. Her story serves as both inspiration and blueprint for anyone looking to make their mark in the payments industry.With disarming candor, Maggie shares the formative experiences that shaped her leadership philosophy – from bartending jobs in her early days to orchestrating client success strategies at a Fortune-recognized innovative company. She reveals how focusing on possibilities rather than limitations became her superpower, allowing her to navigate unfamiliar terrain without a support system and ultimately thrive professionally.At the heart of Maggie's leadership approach is a profound understanding that business success stems from human connection. "Businesses are people, and people want to do business with who they like and trust," she emphasizes, highlighting how Dash Solutions differentiates itself through exceptional service built on relationships. This philosophy drives her work transforming how companies handle payment operations across healthcare and other sectors traditionally slow to embrace digital innovation.Maggie offers a refreshingly nuanced perspective on modern leadership, advocating for situational approaches tailored to team members' growth journeys rather than one-size-fits-all management. She stresses the importance of psychological safety in fostering innovation, encouraging teams to "question everything" and imagine what might be possible if failure wasn't an option. For women navigating career advancement, her advice to "find your tribe" rather than just pursuing job titles resonates as both practical and profound.

Discover the evolution of leadership in the payments industry through the lens of someone who's lived it. Sheffali Welsh, Chief Operating Officer of The Clearing House, brings a unique perspective shaped by her unconventional journey from cognitive science studies to overseeing operations for America's only private payment network operator.The payments landscape demands a special kind of leadership – one that balances innovation with stability, risk-taking with prudence, and technical expertise with people-centered approaches. Sheffali articulates how leadership in financial services has transformed from the hierarchical, top-down model of decades past to today's collaborative, empowering style that connects employees to purpose and embraces flexibility. Her experiences navigating the 2008 financial crisis as chief of staff to Citigroup's global CFO provided invaluable lessons about leadership during turbulence that continue to shape her approach today.What sets great leaders apart? According to Sheffali, it's "grit" – that powerful combination of passion and perseverance particularly evident in women who've had to play the long game in their careers. She makes a compelling case for how this quality is perfectly suited to the payments industry, where innovations like real-time payments require both visionary thinking and patient execution. Her insights on the distinction between mentorship and sponsorship illuminate why women still need more advocates who will speak up for them when they're not in the room. Looking ahead, she's watching the emerging digital assets and stablecoin landscape as payments' next frontier.Listen now and discover why playing the long game through strategic lateral moves might be your best career strategy in the dynamic world of payments.

What happens when the primary users of an industry's products aren't well-represented in its leadership? Serena Smith, Chief Client Officer at i2c, tackles this fundamental question in a fascinating exploration of women's influence in the payments ecosystem.The stark reality? Women drive 85% of consumer purchases across categories but hold only 27% of C-suite positions in financial services. This disconnect creates a leadership opportunity that Serena has embraced throughout her remarkable career journey, which began in a bank's mailroom and led to executive roles spanning global payment operations.Serena shares the pivotal risk that transformed her career trajectory - pitching a new remittance processing business directly to FIS's executive team when her position was threatened by an acquisition. This bold move not only saved her job but catapulted her career forward, embodying her philosophy that calculated risk-taking and authentic leadership are essential for success.Her battle with cancer represents another transformative chapter, reshaping how she approaches leadership: "I'm not the same person I was before cancer. I'm stronger, wiser, more alive." This experience taught her to lead with purpose, gratitude, and a heightened awareness of what truly matters.As payments become increasingly personalized, Serena emphasizes that tomorrow's successful payment solutions must adapt to consumers rather than the reverse. At i2c, she helps clients navigate this evolution through a flexible technology stack that supports global payment processing needs across 90+ countries.For aspiring women leaders, Serena's advice is clear: own your story, recognize your unique perspective as strength, develop deep business knowledge, and both seek and provide mentorship. The future of payments needs diverse voices at the table, especially from those who understand consumer needs firsthand. 

Billi Jo Wright's unconventional journey from working in her uncle's sheet metal factory to executive leadership in payments spans nearly three decades and offers powerful lessons about persistence, adaptability, and betting on yourself. Without a college degree but armed with boundless curiosity, Billi Jo navigated through various roles across issuing and acquiring before finding her passion in risk management, where she's thrived by approaching old problems with fresh perspectives.Two pivotal moments shaped her career trajectory: first, when she returned to work after having four children in 18 months, eventually becoming her family's sole breadwinner; and second, when she left what seemed like a dream role at a large company to join a smaller startup where she could drive meaningful change. Both decisions required tremendous courage and self-confidence—qualities that continue to define her leadership approach.For Billi Jo, modern leadership centers on empowerment. She builds high-performing teams by deliberately seeking diverse perspectives and complementary skill sets, then creating high-trust environments where people can thrive. This collaborative approach has proven successful through multiple acquisitions, demonstrating that effective leadership isn't about command-and-control but about enabling others to succeed.Looking toward the future of payments, she's closely watching how artificial intelligence will transform both operational capabilities and fraud vectors. Her balanced perspective embraces innovation while remaining vigilant about emerging risks - exactly the thoughtful approach needed in today's rapidly evolving payment ecosystem.For those building careers in payments, especially women, Billi Jo emphasizes networking, finding mentors who exemplify the leadership style you aspire to, and securing sponsors who will actively advocate for your advancement. Her advice to "get uncomfortable" acknowledges that growth often happens outside our comfort zones. Ready to transform how you think about leadership and risk in payments? Listen now and discover strategies that can elevate your approach to both.

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!