Podcasts about Google Pay

Learn if digital wallets make you overspend and how simple habits can help you stay on budget. How do you start money conversations that actually help? Do mobile wallets make you overspend? Hosts Sean Pyles and Elizabeth Ayoola discuss intentional money conversations and the psychology of paying by phone vs. card vs. cash to help you control spending and feel better about your money habits. Joined by Shari Rash, host of Everyone's Talkin' Money, they begin with a discussion of money talk made easier, with tips and tricks on opening with neutral topics like grocery prices, identifying your first money memory, and swapping shaming language for neutral phrasing. Then, personal finance nerd Kate Ashford joins Sean and Elizabeth to discuss whether paying by phone changes what you spend. They discuss why “payment coupling” can dull the pain of spending, guardrails to curb impulse buys (fun-money caps, 24-hour waits, no saved cards), and where cash, credit cards, mobile wallets, and envelope-style budgeting apps (like YNAB and Goodbudget) fit for security and self-control. Does Using a Credit Card Make You Spend More Money? https://www.nerdwallet.com/article/credit-cards/credit-cards-make-you-spend-more  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: mobile payments, Apple Pay, Google Pay, digital wallet security, overspending, impulse buying, cash vs credit card, payment coupling, behavioral finance, pay by phone vs card, cash stuffing, envelope method, ynab, goodbudget, budgeting apps, grocery budget tips, price per ounce shopping, money mindset, first money memory, financial check-ins, unsubscribe from promo emails, wait 24 hours before buying, fun money budget, online shopping guardrails, biometric authentication, credit card fraud protection, cashless venues, spending guardrails, budgeting limits, talking about money with partner, how to start money conversations, rising grocery prices, neutral money language, feeling rich vs being rich, allocate money for joy, mobile wallet pros and cons, tap to pay risks, and how to curb impulse shopping. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's Tech3 from Moneycontrol, Oracle has begun layoffs in India across its Cloud and Financial Services teams, impacting hundreds of employees. Meanwhile, the US HIRE Bill sparks jitters for India's $280 billion IT industry, PhonePe and Google Pay cede ground in the UPI market as challengers like Navi and super.money gain traction, and EV makers including Ola and Ather gear up for a festive sales push in Tier II and III towns.

Still swiping your credit card? You're putting your number on display. Contactless payments like Apple or Google Pay are faster, safer, and way smarter. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we sit down with Chris George, the Co-founder & CEO of Qube Health, a pioneering Health-FinTech platform that is revolutionizing how Indians pay for their healthcare.Three out of four Indians are either underinsured or have no health insurance, leading to a staggering $72 billion in out-of-pocket medical expenses annually. Chris shares his personal journey into entrepreneurship and the harrowing family experience with the healthcare system that became the genesis for Qube Health.Join us as we dive deep into:- The fundamental flaws in India's healthcare financing system.- How Qube Health leverages the UPI network to offer instant cashback and no-cost EMIs on all medical bills.- Their unique B2B2C model and major partnerships with companies like Flipkart.- The future of healthcare payments, the impact of government initiatives like Ayushman Bharat, and how technology can make quality healthcare accessible to all.If you're interested in startups, fintech, or the future of healthcare in India, this is a conversation you don't want to miss! Chapters:(00:00) Intro(00:35) Chris George's Entrepreneurial Journey: From Events to E-commerce(02:58) The "Horrors of Healthcare" That Inspired Qube Health(03:31) Why India's Healthcare System is Still Broken(04:35) The $72 Billion Problem: Out-of-Pocket Expenses(06:17) The Core Mission: Solving for "Ability to Pay"(07:15) How Qube Health Makes Healthcare Payments Frictionless(09:05) The "Google Pay for Healthcare": How the App Works(10:10) Instant Cashback or No-Cost EMI: The Two Choices(11:15) Qube's B2B2C Model: Partnering with Employers(12:50) How is the Pre-Approved Credit Line Determined?(13:51) Preventing Misuse: How Qube Identifies Medical Expenses(15:15) The Flipkart Partnership: A Case Study in Employee Benefits(16:42) Qube vs. Traditional Lenders: The "Desperation Financing" Problem(18:15) The Rise of Hospital-Led Financing: Competition or Validation?(19:17) Why "Choice" is the Most Important Factor for Patients(20:26) View on Government Initiatives: Ayushman Bharat & UHI(21:28) Qube's Vision: Becoming a Channel for Direct Benefit Transfers(22:29) Reaching Tier 2/3 Cities and Rural India via UPI(24:12) The Lending Puzzle: How Qube Manages Collections & Defaults(26:35) Outro

Online giving isn't just the future of fundraising—it's the now! Emily Kelly, National Accounts Manager at Bloomerang, delivers a practical, energizing roadmap for nonprofits to raise more money online—without adding more stress to already full plates.This conversation is for any nonprofit ready to increase online giving, improve donor retention, and strengthen relationships in a digital-first world. Emily blends practical “fix it today” steps with a bigger vision for creating donor experiences that inspire giving, year after year.Emily's passion for relationship-building is woven through every tactic she shares. With a background in marriage and family therapy, she sees fundraising not as transactions, but as an opportunity for deeper human connection. “The power of please and thank you is so much more powerful than anything else,” she begins—a reminder that technology should serve relationships, not replace them.Her first piece of advice is deceptively simple: make sure your donate button works. Too often, organizations overlook this basic step. Then, view your donation page through the eyes of a first-time visitor—would you feel compelled to give? Is it clear, inviting, and emotionally engaging? Placement matters too. The donate button should be easy to spot, ideally at the top of your page, without forcing visitors to search for it.Emily urges nonprofits to offer multiple payment options—credit/debit cards, Apple Pay, Google Pay, ACH, and even Venmo—to meet donors where they are. Each generation prefers different tools and limiting payment methods risks losing potential gifts.She also challenges organizations to reimagine the donor experience for online gifts. Segmentation is key—tailoring acknowledgments by gift size, donor type, or relationship history. A generic thank-you isn't enough; donors want to feel seen and valued. Communication preference tracking—whether donors prefer email, phone, text, or snail mail—helps build authentic connections and increase retention.And yes, the old-fashioned phone call is making a comeback. Emily shares research showing that calling a first-time donor within 24–48 hours makes them four times more likely to give again. Whether done by staff, volunteers, or board members, these calls create goodwill on both sides—reigniting board member engagement while deepening donor trust.Emily's philosophy is clear: treat every gift, whether $50 or $50,000, as the start of a relationship. One-time gifts can become long-term commitments—or even legacy gifts—when nonprofits follow up with gratitude, intentionality, and consistent communication.Find us Live daily on YouTube!Find us Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits! 12:30pm ET 11:30am CT 10:30am MT 9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

On the podcast I talk with Lucy and Nicole about how customer-driven iteration led Zumba from VHS tapes in 2001 to launching an app in 2024, their app2web experiments that boosted LTV by 17%, and how they are able to charge for content when countless Zumba classes are available for free on YouTube.Top Takeaways:

Welcome to Top of the Morning by Mint.. I'm Nelson John and here are today's top stories. Trump's Oil Deal with Pakistan, Tariff Shock for India “Who knows, maybe they'll be selling oil to India someday.” That was Donald Trump's surprise message on Truth Social as he unveiled a new U.S.–Pakistan energy partnership to develop Pakistan's “massive oil reserves.” While no U.S. oil giant has been named yet, Trump signaled a selection is on the way. But the kicker? Just hours earlier, India was hit with a 25% tariff on exports to the U.S., along with vague threats of penalties over its oil trade with Russia. Trump also took aim at India's place in BRICS, calling the 11-member bloc “anti-United States” and accusing it of attacking the dollar. Meanwhile, the U.S. struck a trade deal with South Korea, placing a 15% import tariff on Korean goods—while exempting American exports. Talks with India continue, with Trump suggesting more clarity “by the end of this week.” Markets React, Investors Watch Closely India's stock markets felt the heat after the tariff news. Export-heavy sectors—textiles, pharma, and auto components—are expected to take a hit. Markets had anticipated a 20% tariff, but the extra 5% and mention of penalties jolted investor sentiment. Foreign Portfolio Investors (FPIs) pulled out ₹32,000 crore in July, spooked by the weakening rupee and high valuations. In contrast, domestic institutional investors have pumped in ₹4.12 trillion this year, helping cushion the blow. While the Nifty saw a small recovery to 24,855, experts warn of a short-term dip. Bank of Baroda's Madan Sabnavis expects markets to stabilize quickly, but economists like ICRA's Aditi Nayar caution the tariff could trim India's GDP growth below 6.2% for FY26.  NASA–ISRO's NISAR Takes Off: Earth's New Watchdog “A scientific handshake with the world.” That's how Union Minister Jitendra Singh described the successful launch of NISAR, the world's most advanced Earth-observing satellite, co-developed by NASA and ISRO. Launched aboard ISRO's GSLV-F16 from Sriharikota, the $1.5 billion, SUV-sized satellite will track Earth's surface changes—down to just 1 cm—from 743 km above. Over five years, it will scan the planet twice every 12 days, monitoring melting glaciers, earthquakes, groundwater levels, and carbon emissions from wetlands. And Finally: UPI Gets a Power Boost Let's wrap up with a domestic update that affects nearly every Indian with a smartphone. Starting today, August 1, your favourite UPI apps—Google Pay, PhonePe, Paytm—are operating under new NPCI rules aimed at boosting performance and curbing fraud. Here's a quick rundown: Balance checks? Now limited to 50 per day, and you'll see your balance automatically after each transaction. Auto-payments? Will only go through during non-peak hours—before 10 am, between 1–5 pm, and after 9:30 pm. Bank details? Visible only 25 times daily, after selecting the issuing bank. Pending transactions? You can check the status only three times, spaced by 90 seconds. Recipient names? Will be shown before every transfer—reducing fraud risk. And yes, non-compliance by payment service providers could mean API restrictions or onboarding bans. Bottom line? India's digital payments system—already among the most advanced—is getting tighter, faster, and more secure Learn more about your ad choices. Visit megaphone.fm/adchoices

Cash App launches a new payment option that supports Apple Pay and Google Pay for the first time. Elgato has launched the Facecam 4K webcam that allows users to attach 49mm lens filters. OpenAI introduces a new Study Mode feature that lets students be queried by an LLM instead of just regurgitating information. And we test our understanding of texting etiquette. Starring Sarah Lane, Tom Merritt, Roger Chang, Joe. To read the show notes in a separate page click here! Support the show on Patreon by becoming a supporter!

SummaryIn this episode of the Winning Season podcast, Lexie Mendelson shares her extensive experience in building partnerships and launching innovative products like Google Pay. She emphasizes the importance of values such as truth and loyalty in partnerships, the need for adaptability in international rollouts, and the significance of aligning diverse stakeholders. Lexie also discusses the challenges of navigating regulatory environments, the importance of modeling realistic workloads, and the value of genuine relationships in professional networks. She offers valuable advice for emerging leaders on building authentic connections and understanding the needs of others.TakeawaysLexie's journey spans art history to tech and finance.Building infrastructure for new market categories is key.Truth and loyalty are essential in partnerships.Understanding success for all parties is crucial.Adapt products for different markets to succeed.Meetings enhance communication and stakeholder alignment.Leaders should model realistic workloads for teams.Genuine care for colleagues fosters strong relationships.Empathy is vital in professional conversations.Emerging leaders should focus on authentic connections.Chapters00:00 Introduction to Lexi's Journey02:16 Connecting Career Chapters04:27 Values-Driven Leadership07:45 Launching Google Pay Internationally09:58 Aligning Stakeholders for Success12:50 Navigating Regulations in Banking15:10 Normalizing Workloads for Team Performance19:54 Building Authentic Relationships22:13 Foundational Skills for Emerging Leaders24:03 Rapid Fire Fun Questions

Udhara de Silva, who leads loyalty marketing for Singapore Airlines in Australia, walks through the launch and rapid growth of Kris+, the digital rewards app that enables members to earn and spend miles in restaurants and retail stores – a first for any airline rewards app outside of Singapore. The discussion tracks why Australia was chosen as the testbed, the challenges of localizing a QR-based payment app in a card-centric market, and the dual work of building merchant trust and user habits from zero. Udhara details what drives engagement, how to “double dip” on points, and why genuine merchant partnerships matter more than technical bells and whistles. Listeners get insight into evolving loyalty marketing tactics, campaign strategies, and the real mechanics of building an airline's everyday brand.Questions Udhara answered in this episode:Why did Singapore Airlines expand Kris+ to Australia first?What unique challenges come with launching a QR code–based payment app in Australia?How do you pitch and onboard merchants before an app is live?What technical features make Kris+ easy for partners to adopt?What's different about marketing an airline app versus a retail loyalty app?What tactics actually drive repeated use and engagement?What does merchant “densification” mean, and why is it critical?How does Kris+ expand the loyalty audience beyond high-income credit card holders?What's next for Kris+ in Australia and globally?Timestamp:2:00 – Scope of KrisFlyer: Australia's place in the global member base3:00 – The origins and purpose of Kris+5:30 – How Kris+ works: earning, spending, “double-dipping” on miles6:00 – Selecting Australia: market sophistication and loyalty culture9:00 – Pitching and onboarding merchants, early business development12:10 – Overcoming the QR code adoption barrier15:10 – Building merchant trust with low technical overhead16:00 – Tactics for engagement: push notifications, highlight tiles, gamified challenges17:00 - Kris+ challenges18:00 – Advice for marketers launching in new regions20:00 – The future: merchant densification, market expansion, next stepsQuotes:(3:30) “It's a custom-built app. You scan a QR code, enter the amount, and you get to decide whether you want to either spend your miles that you might have earned from a flight, or you can pay with Apple or Google Pay, and then you earn miles on that transaction. You're double dipping.” (13:00) “There are certain high-volume merchants where they have started educating and frontliners have started educating partners. But it's a combination of factors, I think. We're very mindful of the fact that QR codes aren't mainstream yet, and so it's a bit of a slow burn.”  (14:10) “Tailoring the message to the Australian voice, the Australian landscape, the whole lack of familiarity with QR codes — that was something we had to really learn from the ground up.” Mentioned in this episode:Udhara de Silva's LinkedInKris+ (Singapore Airlines digital rewards app)KrisFlyer frequent flyer programContact for merchant/partner queries: krisplusau@singaporeair.com.sgBrunetti (Melbourne café, case study for merchant adoption)

Welcome to Omni Talk's Retail Daily Minute, sponsored by Retail Club and Mirakl. In today's Retail Daily Minute:McDonald's and Krispy Kreme call it quits, ending their nationwide rollout plan after realizing the doughnut pilot wasn't scalable due to cost and distribution challenges.Klarna integrates with Google Pay, enabling U.S. users to split purchases into BNPL installments as the fintech expands its reach through mainstream mobile wallets.Walmart to train 100,000 Indian small businesses through its Vriddhi program, deepening its investment in MSMEs and strengthening its international supply chain and marketplace ecosystem.The Retail Daily Minute has been rocketing up the Feedspot charts, so stay informed with Omni Talk's Retail Daily Minute, your source for the latest and most important retail insights. Be careful out there!

Hier gibt es den Pfingstmontag nicht. Auf Mallorca ist heute ein normaler Montag. Wir erklären die spanischen Feiertagsregeln nochmals. Viele der Urlauber auf Mallorca kommen immer wieder. Es gibt neue Zahlen zu den "Wiederholungstätern". In der Gemeinde Calvià können Sie demnächst den Parkschein mit Google Pay, Apple Pay und Co. per App bezahlen. Wir erklären heute bei uns im Podcast wie das funktioniert. www.5minutenmallorca.com

Chuck Joiner, Marty Jencius, David Ginsburg, Jim Rea, Brian Flanigan-Arthurs, Eric Bolden, and Web Bixby evaluate a report ranking Apple Pay fifth among global payment methods, questioning its methodology and the omission of key usage metrics. They also explore Apple's upcoming $300M Formula 1 film release, noting its IMAX expansion and apparent shift in Apple's theatrical distribution policy. Conversations range from payment habits to movie production.  MacVoices is supported by Insta360 and their new Insta360 X5 360° 8K camera. Get a free invisible selfie stick worth $24.99 at store.insta360.com and use the promo code “macvoices”. Selfie stick offer available for the first 30 standard packages. Show Notes: Chapters: 00:10 Introduction to Mac Voices 05:25 Apple Pay's Popularity and Methodology 17:11 Exploring Payment Options and Their Impact 22:57 Apple's F1 Film Release Strategy 25:42 Insights on IMAX and Movie Distribution Links: Apple Pay is the fifth most commonly offered payment method on websites around the world https://appleworld.today/2025/05/apple-pay-is-the-fifth-most-commonly-offered-payment-method-on-websites-around-the-world/ Apple's 'F1' to Expand to More IMAX Theaters Thanks to Initial Screenings Being Sold Out https://www.mactrast.com/2025/05/apples-f1-to-expand-to-more-imax-theaters-thanks-to-initial-screenings-being-sold-out/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

Addressing cash flow through instant collections can be one of the most transformative things a small business can do to operate more efficiently, as well as to be able to utilize and deploy cash on hand for growth. Digital wallets like Apple Pay and Google Pay online payment platforms like PayPal and Stripe, and platforms like Square and Shopify payments offer instant payment, and that means funds become available immediately or within at least a much shorter timeframe.

BULLET SUMMARY:Attorney James Murphy sues DHS to uncover records about Bitcoin creator Satoshi NakamotoSEC Chair confirms Bitcoin and Ethereum aren't securities but remains vague on XRPBinance founder CZ appointed as Pakistan's Strategic Crypto AdvisorDOGE trading at ~$0.14 with potential upside to $0.40-0.60 base case for 2025Solana plunged below $100 amid liquidations, at lowest price since early 2024Analyst warns of deeper declines for XRP, SOL, and ETH in current correctionBinance integrates Apple Pay and Google Pay through Worldpay partnershipBitcoin fell to $74,500 with critical support at $71,600 holding ~41,000 BTCJim Cramer criticizes Trump's tariffs as China retaliates and markets dropCatizen's CATI token surged 3.5x in Q1 2025 with 3.3 million users

Over 1.5 billion contactless point of sale (POS) payments, valued at €26.7 billion, were made in shops, restaurants and other retail outlets in 2024, according to the latest payments analysis published today in Banking & Payments Federation Ireland's (BPFI) Payments Monitor. The report reveals that contactless payments accounted for 87.1% of all POS card payments in 2024, with more than half of all contactless payments now made using mobile wallets such as Apple Pay or Google Pay rather than cards. A consumer survey on payment behaviour in Ireland, conducted by BPFI for the report, also shows that most consumers are aware of and confident in using many banking and payment technologies, such as instant payments and facial recognition. However, less than half are familiar with open banking services, which enable customers to share their banking data with third parties to provide additional financial management tools, while only a quarter of consumers are aware of plans for a digital euro. Speaking on the publication of the latest Payments Monitor, Gillian Byrne, Head of Payments, BPFI stated: "We can see from today's report that contactless payments continue to be very popular with Irish consumers, accounting for almost 90% of all point of sale (POS) card payments made in shops, restaurants and other retail outlets in Ireland last year. Smartphones and watches have emerged as the preferred payment devices over physical cards for many consumers. Out of 296 contactless payments made per person in Ireland on Irish cards in 2024, 159 of these were mobile wallet payments." Ms Byrne added: "The rapid adoption of mobile wallets is not surprising given that Irish consumers have traditionally embraced new banking and payments technology. For example, almost 85% of adults used internet banking in 2024, according to Eurostat, the fifth highest proportion in the EU, and our consumer research published today as part of the report shows most consumers are aware of and confident in using many banking and payment technologies such as instant payments and facial recognition for making payment or accessing mobile banking." "However, the survey also reveals some gaps, with only 25% of respondents stating that they were aware of open banking tools such as account information services that give a third-party provider access to their bank account to analyse their spending, and only 40% of those who knew about them (i.e. about 10% of all respondents) said they would be confident using them. Furthermore, only one in four respondents were aware of a potential plan for a digital euro, which will be a digital form of cash, despite the fact that proposals for a digital euro date back to 2020. The European Central Bank (ECB) launched its digital euro project in July 2021 and will decide in October whether to move on to the next phase." She concluded: "These results highlight the need for greater consumer awareness of open banking, as recommended in the Department of Finance's National Payment Strategy, as well as the need to raise awareness about the digital euro and its potential impact. It also shows the need for enhanced consumer confidence in new financial technologies, especially among older consumers who consistently reported the lowest levels of awareness and confidence in newer banking and payment technologies." The BPFI Payments Monitor March 2025 is available to download here.

Android-Nutzer können mit ihrem Smartphone kontaktlos an der Kasse bezahlen, entweder mit Samsung Wallet oder Google Wallet. Doch worin liegen die Unterschiede zwischen den beiden Diensten? Welche Vorteile bieten sie und gibt es Nachteile im direkten Vergleich von Google Pay und Samsung Pay?

Remember that time in 2022 when India's top digital payments companies Phonepe, Paytm*, and Bharatpe were in a no-holds-barred turf war? Looking back, it seemed like there was news almost every other day about some tiff between the three market leaders. In fact, former managing director of Bharatpe, Ashneer Grover, has spoken on record about “street fights” between companies' employees over QR codes. A little more than two years later, there's only calm. QR code scuffles are over. No one is beating each other up. Both the peer-to-merchant and peer-to-peer payments space have settled down into a tripartite peace. Phonepe, Google Pay, and Paytm—in order of market share—are the clear leaders. This raises some interesting questions: How many UPI apps do you have on your phone? And do you have a favourite one? We may have multiple, but only one of them is ever really used. No amount of cashbacks or fancy user experiences make people want to switch to something else. Is it brand loyalty that is preventing users from churning out of old platforms and into new ones? A former Paytm executive told The Ken, “There is zero brand loyalty for UPI payments apps…” Well then, what is happening?*Paytm founder Vijay Shekhar Sharma is an investor in The Ken*This episode was first published on December 30, 2024Daybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

In this episode of the Paywall Podcast, sponsored by LeakyPaywall, Pete and Tyler focus on the top 10 reasons for underperforming subscription revenue for news and magazine publishers. They discuss several common issues such as the inefficacy of free registrations on paid subscription pages, the importance of visible and easily accessible subscription buttons, the issue of too many checkout fields causing friction, the negative impact of redirects to subdomains, the necessity of integrating Apple and Google Pay, and the drawbacks of having numerous plan options. Additionally, they emphasize the importance of capturing email addresses through free registrations, the impact of newsletter frequency on driving traffic and conversions, and the detrimental effects of pop-ups on critical pages. Lastly, the discussion highlighted the importance of having a fast website, avoiding too many free views, and considering bulk subscriptions as an advanced sales strategy.

Au programme de l'actu des nouvelles technologies et de l'accessibilité cette semaine : Du côté des applications et du web Les problèmes d'accessibilité qui trainaient dans l'appli Spotify pour iOS semblent enfin résolus. Améliorations du narrateur) Sortie de la version 26100.3321 de Windows 11 sur le canal beta de la version. Avec Alexa+ boostée à l'IA, Amazon défie ChatGPT et révolutionne son assistant personnel. Skype, c'est fini : après 20 ans, Microsoft annonce la fin du service. Gemini sera bientôt en mesure de répondre à des questions sur ce qu'il y a sur l'écran d'un smartphone. L'app Copilot pour Mac officiellement déployée par Microsoft. Application Curve, pour créer des cartes bancaires virtuelle et compatibles avec Apple et Google Pay. David propose une méthode pour utiliser Wero avec VoiceOver sur l'appli iOS de La Banque Postale. Témoignage de Francklin sur l'appli Assistant Perplexity sur Android. ToutAuClavier.fr ferme ses portes. Le reste de l'actu Témoignage de Jean-Pierre sur le passage de l'iPHone SE à l'iPHone 16e. iPhone 16e sur Amazon. Le gant Feelix - Touchable Vision. Remerciements Cette semaine, nous remercions Michael, ARnaud, David, Francklin, Jean-Pierre et Stéphane pour leurs infos ou leur dons. Si vous souhaitez vous aussi nous envoyer de l'info ou nous soutenir : Pour nous contactez ou nous envoyez des infos, passez par le formulaire de contact sur le site. Pour faire un don sur PayPal ou en cryptomonaie c'est à l'adresse : oxytude.org/don. Faites vos achats sur Amazon en passant par notre lien affilié oxytude.org/amazon., ça nous aide sans augmenter le prix de vos achats Pour animer cet épisode Pascale, Philippe et Sof.

Seekordses saates meenutame üht Soome suurt küberkuriteo episoodi, mille kohta on ilmunud uusi detaile, sealhulgas seos Eestiga. Mõnevõrra uusi detaile on selgunud ka kuulsa eesti keele korpuse ja keelemudeleid treenivate firmade kohta, kes, nagu selgus, ei pruugigi suure rahakotiga meie uksele koputada. Testisime nelja uut nööpkõrvaklappide paari ja tulemused olid üllatavad. Saate lõpus heidame pilgu kuulajakirjadele. Saate teemad: • Soome suures häkkimisskandaalis selgus seotus Eestiga • Kas välismaised AI-arendajad üleüldse tahavad meie keelekorpust • Meelis ja Glen teistisid Huawei, JBL-i, OnePlusi ja Sony uusi nööpkõrvaklappe ja jõudsid väga erinevatele järeldustele • Kuulajakirjad: Tanel küsib KEF-i kõlarite kohta ja Glen selgitab, kuidas ta oma Google Pay ja SEB pangakaartide murele lõpuks lahenduse leidis

De slaapapneu-affaire is goed en wel achter de rug, maar een nieuw probleem wordt alleen maar groter en groter. Want de bestellingen daar drukken ontzettend op de wereldwijde omzet. Onder aan de streep bleef er nog maar een groei van 1 procent over. En die problemen zijn nog lang niet voorbij. Topman Roy Jakobs durft zelfs niet te voorspellen wanneer Philips weer op de Chinese markt kan rekenen. En in het lopende kwartaal kan het ervoor gaan zorgen dat de inkomsten van Philips met zo'n 6 procent gaan afnemen. De topman blijft er nog redelijk positief onder, maar beleggers niet. Die laten het aandeel als een baksteen vallen. Wie er gelijk heeft, hoor je in deze aflevering. En dan hoor je ook over ING. De bank klaagt over een nieuwe concurrentiestrijd, waar ING niet op zaten te wachten. Het kan namelijk geen IT-personeel meer vinden omdat grote techbedrijven het talent voor de neus wegkapen. Die techbedrijven bieden bizarre salarissen, en daar kan ING van z'n lang zal ze leven niet aan tippen. We hebben het ook over de ECB. Beleggers rekenen nog op 3 renteverlagingen dit jaar, maar binnen de centrale bank gaan de eerste stemmen op om de verlagingen te pauzeren. En verder hoor je over Kentucky Fried Chicken dat straks z'n naam misschien niet meer waar maakt. Over Bumble die Gen Z niet aan het swipen krijgt. En over het langverwachte einde van een verhaal waar beleggers en journalisten geen genoeg van kregen.See omnystudio.com/listener for privacy information.

HEADLINES: Ronaldo's 'Business' Deal with Al NassrTrump's Second Term and Its Impact on Saudi ArabiaGoogle Pay Set to Launch in Saudi Arabia in 2025

durée : 00:08:20 - La Question du jour - par : Marguerite Catton - En quelques décennies, les moyens de paiement ont drastiquement évolué : du chèque et de l'argent liquide à la généralisation de la carte bancaire jusqu'à sa dématérialisation sur nos smartphones, quelles sont les conséquences de ces évolutions des moyens de paiement ? - réalisation : Félicie Faugère - invités : Clément Berthou Économiste et chercheur français

durée : 02:29:44 - Les Matins - par : Jean Leymarie, Isabelle de Gaulmyn - Les enjeux internationaux - Maroc : ce que va changer la réforme du Code de la famille. La question du jour - Lydia, Apple Pay, Google Pay : à qui profitent les nouveaux moyens de paiement ? L'invité des matins- Histoire de la peinture : apprendre à aimer. - réalisation : Colin Gruel

In Episode 240 Gary chats with jess Shanhan, Alec peachey and Shayne Ress on various different topicsJess leads a discussion on misinformation and the role of journalists. Shayne talks about the economics of public charging as a CPO. Alec talks about the role of councils in the EV infrastructure roll out.Gary talks about whether we're actually getting the charge speeds we should be from all this new high-powered kit that's being installed.What did you think about the guests and the topics under disscusion?This season of the podcast is sponsored by Zapmap, the free to download app that helps EV drivers search, plan, and pay for their charging.Links in the show notes:Alpitronic - Cool thing (Gary)Welcome to the eSkootr Championship - Cool thing (Jess)Renault 5 EV Review - Cool thing (Shane)Episode produced by Arran Sheppard at Urban Podcasts: https://www.urbanpodcasts.co.uk(C) 2019-2024 Gary Comerford Support me: Patreon Link: http://www.patreon.com/evmusingsKo-fi Link: http://www.ko-fi.com/evmusings The Books:'So, you've gone electric?' on Amazon : https://www.amazon.co.uk/dp/B07Q5JVF1X'So, you've gone renewable?' on Amazon : https://amzn.to/3LXvIckSocial Media:EVMusings: Twitter https://twitter.com/MusingsEvInstagram: @EVmusingsOctopus Energy referral code (Click this link to get started) https://share.octopus.energy/neat-star-460Upgrade to smarter EV driving with a free week's trial of Zapmap Premium, find out more here https://evmusings.com/zapmap-premiumMentioned in this episode:Zap PayZapmap, about Zap-Pay - your simple and convenient way to pay for EV charging. With Zap-Pay, EV drivers can easily pay for charging across multiple networks, all within the Zapmap app. No need for juggling multiple apps or accounts- Zap-Pay simplifies the entire process by enabling seamless payments across a wide range of networks. With Zap-Pay, you'll not only streamline your payments but also get access to a range of other features: - Track your charging history at any time - Receive live status updates while your car is charging - Easily download VAT receipts for your records - And, as an added bonus, Zapmap Premium customers get charging discounts when paying with Zap-Pay. It's incredibly easy to start: after installing the app, simply add a payment card, or use Apple Pay or Google Pay, and you're ready to go. Try Zap-Pay today and experience hassle-free EV charging.

Remember that time in 2022 when India's top digital payments companies Phonepe, Paytm*, and Bharatpe were in a no-holds-barred turf war? Looking back, it seemed like there was news almost every other day about some tiff between the three market leaders. In fact, former managing director of Bharatpe, Ashneer Grover, has spoken on record about “street fights” between companies' employees over QR codes. A little more than two years later, there's only calm. QR code scuffles are over. No one is beating each other up. Both the peer-to-merchant and peer-to-peer payments space have settled down into a tripartite peace. Phonepe, Google Pay, and Paytm—in order of market share—are the clear leaders. This raises some interesting questions: How many UPI apps do you have on your phone? And do you have a favourite one? We may have multiple, but only one of them is ever really used. No amount of cashbacks or fancy user experiences make people want to switch to something else. Is it brand loyalty that is preventing users from churning out of old platforms and into new ones? A former Paytm executive told The Ken recently, “There is zero brand loyalty for UPI payments apps…” Well then, what is happening?*Paytm founder Vijay Shekhar Sharma is an investor in The KenDaybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

In the final non-round-table episode of the season, we look at the new government and what they can do.With each guest this season I've asked them the same question "With the change in government what can the new government do to increase the uptake of EVs?"I've collated all the answers and summarised the key themes. What I've also done is asked Matt Adams from the REA to comment on the likelihood of things happening and to discuss what the REA are currently doing in the governmental realm.Matt Adams: Matt's WebsiteThis season of the podcast is sponsored by Zapmap, the free to download app that helps EV drivers search, plan, and pay for their charging.Links in the show notes:Pope Francis receives first electric G-Class “Popemobile” from Mercedes-Benz - Cool ThingEpisode 89 - Matthew Adams: Powering the Future of EV Policy | The EV CaféEpisode produced by Arran Sheppard at Urban Podcasts: https://www.urbanpodcasts.co.uk(C) 2019-2024 Gary Comerford Support me: Patreon Link: http://www.patreon.com/evmusingsKo-fi Link: http://www.ko-fi.com/evmusings The Books:'So, you've gone electric?' on Amazon : https://www.amazon.co.uk/dp/B07Q5JVF1X'So, you've gone renewable?' on Amazon : https://amzn.to/3LXvIckSocial Media:EVMusings: Twitter https://twitter.com/MusingsEvInstagram: @EVmusingsOctopus Energy referral code (Click this link to get started) https://share.octopus.energy/neat-star-460Upgrade to smarter EV driving with a free week's trial of Zapmap Premium, find out more here https://evmusings.com/zapmap-premiumMentioned in this episode:Zap PayZapmap, about Zap-Pay - your simple and convenient way to pay for EV charging. With Zap-Pay, EV drivers can easily pay for charging across multiple networks, all within the Zapmap app. No need for juggling multiple apps or accounts- Zap-Pay simplifies the entire process by enabling seamless payments across a wide range of networks. With Zap-Pay, you'll not only streamline your payments but also get access to a range of other features: - Track your charging history at any time - Receive live status updates while your car is charging - Easily download VAT receipts for your records - And, as an added bonus, Zapmap Premium customers get charging discounts when paying with Zap-Pay. It's incredibly easy to start: after installing the app, simply add a payment card, or use Apple Pay or Google Pay, and you're ready to go. Try Zap-Pay today and experience...

Welcome to the first of a two-part series from NTA, where we dive into tour and travel trends, partnerships, and challenges shaping the industry. In our conversations, we explore the rise of transformative travel, the international tourism rebound, and innovations in payment systems—all key trends driving the travel industry forward into 2025. In this episode, you'll hear from these industry leaders: Kelly Dean: https://www.linkedin.com/in/kellydeanottawa/ Kim Ricaurte: https://www.linkedin.com/in/kim-ricaurte-510588285/ Patrick McIntyre: https://www.linkedin.com/in/patrick-mcintyre-2b61914 Sheryl Porto: https://www.linkedin.com/in/sheryl-porto-489189b1/ Zach Harrison: https://www.linkedin.com/in/zachary-harrison-a63481194/ In my interviews at the NTA, each guest shares examples of successful collaborations from DMOs and hotels to technology providers that help them create unique and memorable travel experiences. Kelly Dean from Ottawa Tourism Kelly emphasizes transformative and experiential travel, including immersive experiences such as culinary tourism and engaging deeply with local cultures. She shares more about how the travel industry can grow and adapt post-pandemic to meet evolving consumer expectations for the future. Kim Ricaurte from Airwallex We discuss Kim's approach to helping people embrace new solutions without criticizing their existing methods, and she emphasizes the importance of partnership and support through these transitions. Kim also discusses significant trends in financial technology, particularly a shift away from traditional credit cards to alternative payment methods such as Google Pay, Apple Pay, and local systems like ACH, and explains the benefits of educating travel operators on these new financial solutions. Patrick McIntyre from Image Tours Patrick shares some new things he is working on for 2025—including a new Greek tour. He digs into the importance of responding to customer feedback and making tweaks that keep itineraries fresh and attractive to travelers. Building stronger relationships with your clientele helps support sales. Patrick describes the NTA Travel Exchange as “new” and says it's an exciting place to learn, get to know some new people, and continue to develop relationships with people he's already met. Sheryl Porto from Merani Hotel Group Sheryl and I dig into the exciting resurgence in international travel, particularly in Niagara Falls, USA, highlighting the unique cross-border tourism challenges and opportunities between the US and Canada. She shares her thoughts on the recovering international market post-pandemic and anticipates seeing significant business growth in 2025, especially from the Indian market. Zach Harrison from Anderson Vacations Zach and I discuss his focus on small-group travel, especially in remote Canadian areas. He highlights the shift from large 55-passenger buses to smaller 16-passenger groups, which allows for more intimate travel experiences and access to unique destinations that larger buses cannot reach, such as early morning wildlife tours in the Rockies. Zach also shares the importance of mentorship in the evolving travel industry, acknowledges generational gaps, and emphasizes the warm, collaborative community fostered at the NTA Travel Exchange. We value your thoughts and feedback and would love to hear from you. Leave us a review on your favorite streaming platform to let us know what you want to hear more o​f. Here is a quick tutorial on how to leave us a rating and review on iTunes!

Learn this and many more useful tricks in the RPF Academy: www.RPFacademy.com.

This Day in Legal History: Florida Recount StayedOn December 9, 2000, the U.S. Supreme Court issued a 5-4 decision to stay the recount of presidential election votes in Florida, a pivotal moment in one of the most controversial elections in American history. The recount had been ordered by the Florida Supreme Court after a contentious election between George W. Bush and Al Gore left the outcome hinging on Florida's 25 electoral votes. The Supreme Court's stay temporarily halted efforts to resolve disputes over "hanging chads" and other ballot irregularities in a highly scrutinized manual recount process. This pause set the stage for the landmark decision in Bush v. Gore three days later. On December 12, the Court ruled that the recount violated the Equal Protection Clause of the Fourteenth Amendment, effectively ending the process and cementing George W. Bush's victory. The Court's majority held that varying standards for counting votes across Florida counties were inherently unequal, and there was insufficient time to establish uniform procedures before the Electoral College deadline.The decision was deeply divisive, with the dissenting justices arguing that halting the recount undermined public confidence in the democratic process. Critics of the ruling contended that it set a dangerous precedent by involving the judiciary in the electoral process, while supporters claimed it ensured a timely resolution in an unprecedented situation. Ultimately, the ruling awarded Bush the presidency by a margin of just 537 votes in Florida.The case has since been a flashpoint for debates about judicial impartiality and election integrity. It underscored the significance of state-level election laws and highlighted vulnerabilities in the U.S. electoral system that continue to shape legal and political discourse today.A legal showdown involving Alex Jones' Infowars, Elon Musk's X Corp., and The Onion centers on the ownership and transfer of social media accounts in bankruptcy proceedings. Infowars is being sold to The Onion's parent company, Global Tetrahedron LLC, as part of Jones' bankruptcy to cover $1.4 billion in defamation judgments owed to Sandy Hook families. However, X Corp. has filed objections, asserting that it owns Infowars' accounts under its terms of service and has the right to control their transfer or use.The Onion's winning bid, supported by some Sandy Hook families who agreed to defer payments, is under scrutiny for its structure and fairness. Judge Christopher Lopez will decide whether X's claim to ownership under its terms of service—which prohibits account transfers without consent—supersedes the bankruptcy estate's right to sell interests in the accounts. X's lawyers argue that the accounts are licenses, not assets, and therefore cannot be transferred. This legal stance aligns with prior cases that emphasized the authority of social media companies' terms of use.This dispute highlights X's aggressive stance under Musk's leadership in asserting control over account transfers, even as it risks alienating users. The case also raises broader questions about the transferability of accounts on other platforms, like Gab and Truth Social, which may have similar restrictions. The outcome could set precedent in determining how social media accounts are treated in bankruptcy, a legal area still in its infancy.US judge weighs fate of the Onion's buyout of Infowars | ReutersMusk Flexes Muscle to Stop Infowars' X Account Sale to The OnionByteDance, the Chinese parent company of TikTok, and the app itself have requested a temporary halt to a U.S. law requiring ByteDance to divest TikTok by January 19, 2025, or face a ban. The companies filed an emergency motion with the U.S. Court of Appeals for the District of Columbia, seeking relief while they petition for a review by the U.S. Supreme Court. They argue that the law would force TikTok, a major platform with over 170 million monthly U.S. users, to shut down just before a presidential inauguration.The divestment law, passed earlier in 2024, reflects ongoing concerns over national security risks linked to TikTok's ownership by a Chinese company. ByteDance contends the law undermines free speech and harms millions of American users and creators who rely on the platform for communication and income. The court's decision will determine whether the app remains operational during the Supreme Court review process.ByteDance, TikTok seek temporary halt to US crackdown law pending Supreme Court review | ReutersThe Consumer Financial Protection Bureau (CFPB) has asserted supervisory authority over Google Payment Corp., a subsidiary of Alphabet Inc., as part of expanding oversight of nonbank financial platforms. This decision could lead to regulatory exams, though it does not imply any misconduct by Google. The CFPB stated that Google Payment Corp. meets the legal criteria for supervision, citing potential consumer risks linked to remaining balances in discontinued Google Pay accounts.Google quickly filed a lawsuit challenging the CFPB's authority, calling the move an example of government overreach. The company argues that the U.S. version of its Google Pay peer-to-peer payment service no longer exists and has posed no risks to consumers. Google contends that the CFPB's decision is legally flawed and lacks justification. The case reflects ongoing tensions between tech companies and financial regulators as agencies like the CFPB increasingly focus on nonbank platforms. While the CFPB has been criticized for underusing its authority in this area, Google's response highlights concerns about regulatory overreach and its impact on innovation.CFPB Claims Supervision Over Google Unit, Which Promptly Sues This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

While the holiday season ramps up, it's important to remember that holiday shoppers aren't the only busy ones this year. Identity thieves and scammers take advantage of this busy season to steal information. While you're out there in-person or shopping online, make sure you guard your cards and card information to ensure your transactions are secure.   Links: Learn more about secure password managers like LastPass Learn more about Google Pay, Apple Pay, PayPal Add your Triangle cards to a mobile wallet for secure and convenient payment Check out TCU University for more financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   We all do our shopping however we feel most comfortable. Some love going out to a physical store to explore the shelves and find that perfect gift. Others like to comfortably camp out on the couch and browse websites for their holiday hunt.  Whichever way you choose to shop this year, remember to keep security top of mind.   Fraud attempts increase significantly during the shopping season so it's important to consider whether anything insidious is hiding behind that tempting email, social media ad or website.  Scammers want your payment information. They target credit card transactions both in-person and online in hopes to steal information from as many unsuspecting shoppers as they can.   This holiday, remember to guard your payment information whenever and wherever you pay.   For those who prefer shopping online keep these security tips top of mind before you go through the checkout.   Make sure the website is secure. Look for the lock icon at the top URL address bar to ensure information being transmitted is encrypted.   Don't save your card information in browsers.  Instead use a secure digital wallet or vault like LastPass.  Don't make payments over unsecured WI-FI or mobile networks. Scammers and hackers can monitor public, unsecured Wi-Fi sources to intercept sensitive data that might be transmitted  Use an online payment company that doesn't use card numbers like Google Pay, Apple Pay or PayPal.   For those who still shop in-person bad actors can still target your physical card transactions. Remember these tips when using your cards out in public.   When using self-pay locations like gas stations, stand-alone ATMs and parking terminals, remember to examine the pump or terminal for any signs of tampering, cameras or card skimmers.  Use the contactless payment method for physical cards instead of inserting the EMV chip or swiping the magnetic strip. Contactless methods are more secure when transmitting data  Don't shy away from using your phone's mobile wallet to store your cards. Mobile wallets keep all your card information secure; they transmit encrypted codes rather than card information during payment and you get the bonus of no longer needing to carry around physical cards.  If you lose your physical card, immediately lock it from any future use until you can find it or report it as lost to the credit card company   One final way to keep your cards secure is to get into the habit of monitoring all transactions. Set up transaction alerts to get instant notifications any time your card is charged so that way if suspicious activity occurs you can report it right away.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page, and look for our sponsor, Triangle Credit Union, on social media to share your thoughts.    Thanks for listening to today's Money Tip Tuesday, and be sure to check out our other tips and episodes on the Making Money Personal podcast.    Have a great day! 

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.

Twenty Minute Travel has now joined the MtM Podcast feed! You can catch this show each week right here in addition to the regular MtM Podcast or watch it on Youtube! Episode Description This week American Express announced the death of several of their cards including the Cash Magnet and the popular Everyday cards. With the loss of Everyday, is Amex retooling their lineup in preparation of a new card or are they trying to push customers up to their more expensive Gold card?   In other news the Alaska/Hawaiian merger drama continued this week as transfers from American Express broke briefly, but then came back again. Some terms leave us a bit worried about the future of transfers, but the big question is whether it makes sense to move points now or not. We also discuss China's insane 10,000 drone show, where to use the Hilton Aspire credit, Aeroplan's new 100K welcome offer, 5% categories for the 4th quarter, Hyatt's fall promotion, a tricky Hyatt property and new Amex Offers you want to know about.   Episode Guide 0:00 Saving money for travel 0:39 Alaska/Hawaiian transfer woes and developments 2:44 Will Amex to Hawaiian transfers remain & should you transfer now? 4:25 One Hyatt's tricky “mandatory” charge 7:10 Chase Aeroplan's new 100K welcome offer 8:30 RIP to Amex Everyday cards 10:05 Will Amex replace the Everyday cards in their lineup? 11:20 4th quarter 5% Categories for Chase, Citi and Discover 13:24 Hyatt's new fall promotion is sort of terrible 14:37 Hilton Aspire Resort Credit - How to use it & where it works 15:56 New Amex Offers for Marriott, Hilton, Lowe's & Google Pay 17:35 China's INSANE 10,000 drone show Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know! Music: Rewind by Jay Someday | https://soundcloud.com/jaysomeday Music promoted by https://www.free-stock-music.com Creative Commons Attribution 3.0 Unported License

Episode Description: As a reminder you can watch this show as well at: https://www.youtube.com/@20minutetravel This week American Express announced the death of several of their cards including the Cash Magnet and the popular Everyday cards. With the loss of Everyday, is Amex retooling their lineup in preparation of a new card or are they trying to push customers up to their more expensive Gold card? In other news the Alaska/Hawaiian merger drama continued this week as transfers from American Express broke briefly, but then came back again. Some terms leave us a bit worried about the future of transfers, but the big question is whether it makes sense to move points now or not. We also discuss China's insane 10,000 drone show, where to use the Hilton Aspire credit, Aeroplan's new 100K welcome offer, 5% categories for the 4th quarter, Hyatt's fall promotion, a tricky Hyatt property and new Amex Offers you want to know about. Episode Guide: 0:00 Saving money for travel 0:39 Alaska/Hawaiian transfer woes and developments 2:44 Will Amex to Hawaiian transfers remain & should you transfer now? 4:25 One Hyatt's tricky “mandatory” charge 7:10 Chase Aeroplan's new 100K welcome offer 8:30 RIP to Amex Everyday cards 10:05 Will Amex replace the Everyday cards in their lineup? 11:20 4th quarter 5% Categories for Chase, Citi and Discover 13:24 Hyatt's new fall promotion is sort of terrible 14:37 Hilton Aspire Resort Credit - How to use it & where it works 15:56 New Amex Offers for Marriott, Hilton, Lowe's & Google Pay 17:35 China's INSANE 10,000 drone show About the Show: We love to travel and love to laugh! 20 Minute Travel is designed to get you all of the info you need to supercharge your travel by utilizing credit cards, travel rewards and other tricks to pay pennies on the dollar.  Shawn Coomer is the founder of Miles to Memories and has traveled all over the world with his family utilizing miles & points. He has been writing and podcasting about miles, points and travel since 2013 and has earned and spent millions of points & miles across dozens of programs. Mark Ostermann is the former Managing Editor of Miles to Memories and is the Managing Editor at Travel on Points. He has been writing about his travel experiences since 2017 and loves to dive into the weeds so you don't have to. He also enjoys a good beer and a laugh or fifty. Each week tens of thousands of people tune into our MtM Vegas news shows at http://www.YouTube.com/milestomemories. If you like this show check it out! Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at 20minutetravel@gmail.com.

Mark Rasmussen of Moolah is on the podcast with Kiera! Moolah is all about modernization of payment in dental practices. Mark and Kiera talk about Moolah and its full suite of payment tools, what modernized payments look like in dentistry, software/devices to use, honest processing fees, and more. Bonus: Dental A-Team listeners get a pricing discount: www.moolah.cc/thedentalateam  Episode resources: Learn more about Moolah  Score preferred pricing as a DAT listener here! Reach out to Kiera Watch DAT Podcasts on YouTube Practice Momentum Group Consulting Subscribe to The Dental A-Team podcast Become Dental A-Team Platinum! Review the podcast Transcript: Kiera Dent (00:00.622) Hello, Dental A Team listeners. This is Kiera and I am super jazz. I have a new guest to the podcast, new to the Dental A Team family. I have been watching this company for the last several years. I've had my eyes on them. I recommended them several times, but I'm super excited because I want to help you guys modernize how you guys are taking payments in the dental world. I feel like dentistry is a little old school. So I'm super jazzed to have the CEO and founder of Moolah, Mark Rasmussen on today. Mark, how you doing over there in beautiful Mexico today?   Mark Rasmussen (00:00.76) Thank you.   Mark Rasmussen (00:30.552) I am doing fantastic here. Thank you for allowing us to be part of the podcast. Excited to join you. And as you mentioned, yes, in down here in sunny Mexico, a little family vacation, happy to take a little break and talk with your community.   Kiera Dent (00:35.598) Thank you.   Kiera Dent (00:45.934) Amazing. Well, I was like, that's pure dedication. I offered to have you rescheduled because I'm like, you're in Mexico, go with the family. But I also know sometimes work is kind of fun on vacation. It's like, you know, you guys sit at the pool, I'll go have some alone time. But hopefully.   Mark Rasmussen (00:50.072) Haha.   Mark Rasmussen (00:59.608) Listen, you're winning in life if you feel that your work is worthwhile. Taking a break from a little vacation, that's how you know you're winning. So yeah, glad to do it, excited to do it.   Kiera Dent (01:08.079)  Awesome. Well, I do love Moolah a ton. So I just want, Mark, let's kind of give the listeners, you're new to the podcast. Like I said, I've watched you guys for years. So can you kind of walk the listeners through Moolah, Mark, how did you get into dental payment processing? Walk us through kind of like the history of you and Moolah.   Mark Rasmussen (01:24.888) Yep.   Sure, awesome. Okay, so I have been around electronic payments, just non -dental for about 27, 28 years. My God, I'm dating myself, but yeah, about 28 years. And...   Kiera Dent (01:38.446) Hey, it's fine. I'm sure you're probably like 29. You probably started this business when you were one. That's my assumption, right? Or like you got into it. Yeah, of course. You're fine. 30. Never looking younger than 30 over there. You're looking good.   Mark Rasmussen (01:43.064) Yeah, exactly. Exactly. Let's go with that. Yep. Exactly. I've actually, this is not gray. I actually make this gray. This is normally dark, but I just tried to distinguish myself and try and go gray.   Kiera Dent (01:57.07) I thought you were trying to like match your like mullah swag, right? Like, you know, like beard and mullah, like same thing so that we look covered head to toe. You got the black glasses, you know, the white beard. It's not gray. It's just white. You're trying to go on brand. Yeah, you're welcome.   Mark Rasmussen (02:00.632) yeah, there we go. Mm -hmm. I like it.   Mark Rasmussen (02:06.936) I like it. I like it. Exactly. Exactly. So, so been around payments forever. About four years ago, we got invited into the dental community from our friends at Dental Success Network. And so we started going to their events. And, you know, they loved our model. Our model has always kind of been about simplicity. Even when we were non dental, we were all about like,   you know, no contracts, no monthly fees, we provide the hardware. And so that kind of was really resonating with the dentist. But the constant feedback that we were getting was like, hey, this is cool. But we really want technology, we really want all of our payment activity posting into the patient ledger. And so we set about to go build that out and took us a couple years and but you know, ended up with a phenomenal platform that allows us to really kind of serve up.   this full suite of payment tools for dental practice. That's in practice payments, of course, storing patient cards, being able to create and manage payment plans, be able to create and manage in -house membership or discount plans, sending out electronic requests via text or email to collect on a balance, allowing the practice to have a online payment submission, you know, so those patients can make payments after hours. So just this full suite of payment tools.   that are posting back into the PMS. And really we think serving up the full suite of tools that today's practice would need.   Kiera Dent (03:40.206) for sure. And I think that that's brilliant because you actually are speaking the language. Me as a team member, that was always our big thing with the processors of great. I'm glad you got this great one, but they don't go into the PMS system. They're not easy for me. But I'm curious, Mark, and this is something where you can be honest. Dental A Team is like no filter. I tried really hard to just have a good time on the podcast. How dated did you feel dentistry was? Yeah, of course. Yeah. But I mean, you're totally. Yeah, of course. Do whatever you want. I mean, I'm here for it.   Mark Rasmussen (04:00.056) Nice. Should I grab a tequila shot and serve Asus right now? Or like how much of a good time are we having here? I'll stick to water.   Kiera Dent (04:08.718) Yeah, okay. But I'm curious when you came because you didn't experience dentistry before you came into it. How dated was dentistry as an industry from your perspective? Like, were you a little like blown away? Like, I kind of say like, we're horse and carriage sometimes and some like, the fact that we didn't have online payments blows my mind, right? Could you please call during eight and five to make your payment to pay me? Like, we're gonna make it hard for you. How dated did you feel like dentistry was when you guys entered the industry? No judgment. I just   Mark Rasmussen (04:16.024) Mm -hmm.   Mark Rasmussen (04:30.424) Right. Right.   Kiera Dent (04:37.454) Because I think, like I said, it's horrible.   Mark Rasmussen (04:38.008) No judgment. I won't call it will protect the innocent. I won't call it any names. But yes, when I got into the space, I was blown away because there are some, you know, big legacy providers from payments perspective that had all of these legacy relationships with all the PMS is and I kind of just felt like they've been resting on their laurels for a really long time. Like they have the relationship and then they kind of stopped innovating. And so, yeah, I was, you know,   Kiera Dent (04:41.142) you   Kiera Dent (05:03.662) Mm -hmm.   Mark Rasmussen (05:07.352) surprised that there was a lot of room to make improvements. And so yeah, it's been a great time. And not only improvements on the technology, but even the methods of I'll just call it old school solution providers, payment providers out there. Most of them are old school. And what I mean by that is that, you know, everything from, you know, the signup process or learning about what the fees are going to be.   If you go, for example, go take a look and again, I'm not naming any big names, but go, we all know what they are. If you go to their website and you go to see like, all right, well, how much does merchant services cost from this company? None of them have pricing or rates on their website by design, right? They're all meant to submit a contact form and then wait to have a salesperson call you back. And then, you know, it's just, it feels, it always felt very like car sales, like no disrespect to anybody who sells cars.   Kiera Dent (05:52.014) Peace.   Kiera Dent (05:58.318) Right.   Mark Rasmussen (06:04.92) but it felt very car salesman like of what that experience looked like. And so we were always a big believer of like, we wanted to make, you know, getting signed up for processing less sales like and more transactional like, and how do you do that? You wear your pricing on your sleeve. Like you can go to, you know, the Moolah website, you know exactly what our processing costs. There's no surprises. You don't need to speak with anybody to get pitched on what the services are.   Kiera Dent (06:17.998) Mm -hmm.   Kiera Dent (06:28.878) Thank you.   Mark Rasmussen (06:30.584) And so again, I always liked that. I like more of a transactional experience than a sales experience in kind of, you know, all my aspects of life. So, you know, that element, we saw room to improvement. So, you know, easy to know what the pricing is. And then from a signup perspective, everything can be done online, right? You don't have to have this salesperson send you, you know, paper applications or PDF applications, and you don't need to fill those out and then submit them to the bank and then wait for a couple of days for underwriting.   Kiera Dent (06:34.99) Thank you.   Kiera Dent (06:58.158) Thank you.   Mark Rasmussen (06:59.768) maybe have to provide financials or tax returns, like all that. So with us, we removed all those elements and it's just very easy to know what it costs, very easy to sign up within seconds. So again, just removing the barriers to entry on the actual signup process is a big lift in experience as well.   Kiera Dent (07:11.566) Thank you.   Kiera Dent (07:18.862) Totally agree. And I think I think that that's what's so fun is having these disruptors come into dentistry of this is what you guys could expect from other people but you're right like it is kind of dated and dentistry is such a Relationship industry. I mean I say lab people and reps are so lucky because dentists are so loyal to them So I really really do love that you guys are disrupting it and like you said it's making payments easier and so I was just curious if you can talk about like   Mark Rasmussen (07:39.028) yeah.   Kiera Dent (07:45.134) what does modernized payments look like? Like what should practices, like what's the standard that we should be living at right now? So offices can kind of almost checklist them of am I doing this in my practice? And if not, maybe I should consider a different processor.   Mark Rasmussen (07:59.064) Yeah. So the first thing we touched on is I think you should look at a vendor who can provide you the immediate kind of instant on type of experience. I think the whole legacy of, you know, multi -day underwriting with the bank having to have a hard credit inquiry pull is unnecessary today. Although again, a lot of the legacy providers work that way. So an instant on, I think, you know, modern, you know, modern payments day means not having to lock yourself into any contracts. I'm a big believer in that. Like,   Kiera Dent (08:08.942) Mm -hmm.   Mark Rasmussen (08:29.4) Any vendor that you work with, I think for the most part should allow you to exist in kind of like a month to month environment, right? Because if you're doing your job as a vendor, you don't need to lock anybody else up, right? They're going to stay with you if you're doing your job right. So I'm a firm believer in no contracts. Another thing I'm going to recommend is stop locking yourself into having to buy the hardware or software, right? And most of the vendors will either charge exorbitant amounts for the hardware,   or they'll try and put you into a non -cancellable lease for the hardware or rentals. All that do away with, you know, shameless plug. Of course, we don't do that, but we're not the only ones. There's a few other great vendors out there where they'll give you the hardware or they'll provide it to you at a fair price. Don't overpay for hardware or lock yourselves in a contract. You know, from a tactical standpoint of like payments specifically,   Here's the thing is that I think a modern practice should have. Obviously, you know, in practice, all the latest and greatest. So what is that? That's of course, old school MagSwipe, that's EMB chip card capabilities. That's also Apple Pay, Google Pay, kind of the tap to pay. That's a great convenience for your patients. Wireless devices are a great add on for the practice, right? So they don't have to be stuck at the front desk. You know, you should have devices that can go anywhere in the practice, you know, operatory, consult rooms, et cetera.   Wireless devices are a big lift. Storing patient cards, I think is a great convenience as well. I talked to a lot of practices who really love that because it's interesting. You talk to the front desk, nobody really wants to talk about or like, nobody likes the transactional element of asking for money and having to collect money, right? So if you can take that element out of your experience with a patient at the front desk,   Kiera Dent (10:02.798) So genius.   Mark Rasmussen (10:25.592) and you're like, hey, would you want us to put that on the on the visa we have in file? Great. That's easy. You know, so storing patient cards, I think is a big one. You know, being able to offer, you know, especially when you're when you're building out treatment plans and those dollar amounts to get higher, being able to offer the patients, you know, multiple payment options, obviously credit card, but then even being able to take that credit card payment and break it out, you know, your kids braces. Great. Let's let's set that up so that we can easily just charge out $100 a month or whatever the case may be.   Kiera Dent (10:29.006) Mm -hmm.   Mark Rasmussen (10:55.576) So being able to have multiple payment options to offer the patient is phenomenal. Other things that I, yeah, please, yeah.   Kiera Dent (11:03.054) I just want to plug in that one real quick on the payments because you guys have modernized it because a lot of people like well We did that but I remember my gosh I had so many credit cards that I had to remember to run as the office manager I had to like make sure it was the date then I finally got smart and I was like let's do it on the first and the 15th and not just like every day of the month but there's still offices that are trying to remember to run all these cards and for you guys just to set it up it's like a set it and forget it like of course if it declines so much easier we just go check on that but   Mark Rasmussen (11:21.24) Right. Right.   Kiera Dent (11:31.982) I think to just pin on there, your practice might be doing it, but this is automatically doing it through the software where your team doesn't have to try and remember it, saves so much time from a team member having to do it.   Mark Rasmussen (11:41.944) 100%, 100%. And so many, I talked to a lot of offices that before they connected with us, many of them were like self -admitted and they're like, hey, they're like, I'm not proud to share this, but I'd be like, so how are you guys managing your reoccurring payments? So like, we have card numbers just written down in Notepad and I just make myself a reminder and outlook to go ahead and pull those out. I'm like, okay, you didn't tell me that, okay. But that's kind of the reality. So, you know.   being storing car data in binders. Yeah, it's exactly much safer. But having those card numbers available to you and where they're delivering not written down anywhere. So where they can be compromised is you know what they refer to as PCI compliant best practices. So being able to do that, not have your practice, you know, exposed to the you know, the dangers of having card information, you know,   Kiera Dent (12:12.27) They're binders. Binders, Mark.   Mark Rasmussen (12:39.224) exposed and compromised is huge. And of course, any reputable, you know, vendor that you're dealing with, that's going to lie to store patient cards, they're going to have it where it's tokenized. None of the tokenized card data of course, is ever going to be touching any of the practices servers. So the practices, what they refer to as is out of scope, you know, they're not actually dealing with and holding any card numbers. So that's, that's a huge element as well. what else? you know, I've seen get popular over the last couple of years.   memberships, in -house memberships and in -house discount plans are gaining a lot of traction. And I get it, right? It's great for the patient, it's great for the practice, gets the patient in the chair more, the practice kind of gets some reoccurring revenue going, it's a win -win. And there's a lot of great vendors out there in the space that just focus on that. But again, that's a feature set that we built into Moolah.   that allow you to kind of create and manage your own in -house discount plan. So having that, I think is a big part of today's modern practices. Sending electronic requests, right? Collecting on balances. The old school way of sending paper statements is dead, right? And the evolution of that went like, okay, it was paper statements and then everybody realized that nobody is going through snail mail anymore. And then it went to, okay, cool, let's be able to send electronic email requests.   which was an uptick in lift in response rates. And then, you know, beyond that, you know, text requests kind of like even went even further. I mean, the response rate of just going from email requests to text requests is significant. So, but, you know, giving the practice ability to collect on these balances and send those out electronically, automatic reminders, drip campaigns and all of that.   and allowing the patient to kind of like, you know, make that payment when it's convenient for them, you know, if it's at their home, on their couch, on their phone late at night, doing a quick Apple Pay transaction. That's what it's all about, you know, is making, you know, easy for your patients to interact and handle, you know, their billing issues with you is the ultimate. The other thing I'll touch on is, you know, online payment, right?   Kiera Dent (14:49.294) Yeah.   Mark Rasmussen (14:54.36) So allowing that patient be able to go to your site and click a button, say, hey, make an after hours payment and be able to make that payment after hours. That's another big, you know, we think kind of best practices to do for today's modern practice. And then really the cherry on top of all these things is that these things in itself are great, but really to really elevate this is all this payment tech we talked about is then having an automatically post into the PMS real time is where the magic really happens. And so.   I highly recommend kind of all those touch points as well as having it also integrate directly back in your PMS. That's where the magic really kind of happens, you know?   Kiera Dent (15:31.182) for sure.   And so Mark, I'm curious when you guys do that and goes back into the PMS, does it split because people will like get annoyed when it's like a split payment and my family balance might be $1 ,000, but only 25 come to Kiera and the rest goes to Jason. Does it split or do they need to manually split at the practice level?   Mark Rasmussen (15:52.472) You can do it in two ways. So I'll speak for our system. When you run a payment in Crown, which is our payment platform, you can either have that payment be an unallocated payments, right? And just post to the ledger at the guarantor level. And then you can decide where you want to split that up to, or you can actually, from our system, you can do that transaction, that payment allocated to procedure. And you can pick, when you're doing that allocation, you can pick within the family members,   and at the procedure level of where that payment's going to be allocated to, just as if you were to natively do it in the PMS. So you can do it, you know, like for prepayments, right? Prepayments is something where it's unallocated and then you can assign it afterwards. Or again, you can just assign the payment to the procedure right out of the gate, either way. Yeah.   Kiera Dent (16:27.502) That's awesome.   Mm -hmm.   Kiera Dent (16:41.39) That's awesome. And for patient or for practice, like of course they're going to feel concerned about like, yeah, but Mark, if people are making payments and I don't know and they're doing it at night, how do I make sure I don't miss any of these payments? So kind of what's Moolah's process to make sure they don't miss it.   Mark Rasmussen (16:53.272) Great question. Yeah, great question. So first thing is that we notify the practices in two ways. One is they'll get an email when a payment's made, you know, anytime, whether it's after hours or they're gonna get an email that hits their inbox. And then within our software itself, in the top header, we have this notification bell that anytime there is a transaction that's been made after hours, like a website payment or text to pay, it's gonna let them notify them that it was done. So they're not gonna miss it.   Kiera Dent (17:20.686) So Mark, as you said all these things, I just thought, to me it felt like I was just talking to a normal website that I purchase on all the time, right? Like I think about Amazon. Amazon's so easy. I make payments. I think about the hospital even where my husband works, like when I go see my doctor. They're not sending me paper statements. I don't think I've gotten a paper statement from a medical office in so long. I also just thought I went to therapy the other day and they're like, do you want it on your card on file? And like,   It's crazy because that's how we live in our day -to -day lives of all the things we as consumers are consuming, but yet in our dental practices, we're so far behind, which is why I'm obsessed with you guys as a company. And why I wanted to bring you on the podcast and share you with our community is because the reality is, this is so...   Mark Rasmussen (18:03.544) Thank you.   Kiera Dent (18:05.806) like up and coming, but you're also I love the passion that comes from you. Like I can tell that you're not just somebody who's like, here we are. You're constantly thinking like, all right, what's the next thing and how are we going to make this even easier? And how can we make this so much simpler for the practices? And I think getting on board with companies that are young, that are innovative. I know you said you're only like 30 based on like you starting like in the industry at one years old. I think you're only 30 years old now, right? But you've constantly made it and brought you, but you brought this young energy with you of staying tech and saying savvy and   Mark Rasmussen (18:26.104) Right. Yeah. 50.   Kiera Dent (18:35.918) I mean, the thought of having those processors that can come into the operatories, like same day treatment is so easy. We're not taking the cards and walking them up front and then bringing it back to them. Like it's just normal. I mean, we think about going to restaurants and now there's like little Apple pay sitting at our booth, even if we have a server. We have innovated as a society and making sure practices do that. But Mark, the questions always come and this is why people don't switch processors. One is it's hard to break up with my current processor. So what do they do in that regard?   Mark Rasmussen (18:50.68) Yeah.   Kiera Dent (19:04.846) to break up with a processor in an easy way if they want to switch to Moolah.   Mark Rasmussen (19:10.168) Great question. So the first thing that I, when we're talking to practices, what I always like to say, and cause it's exactly right, making a switch from, you know, your processor, your legacy processor to somebody else seems daunting. It's like, okay, this is going to be a pain. I got people got to learn my stuff. well, we always tell practices, I'm like, don't cancel your current processor. Like Pepsi, Pepsi challenges, right?   Don't disrupt anything, keep your current processor, try out Moolah, bring us into your practice, don't cancel your existing processor, and make sure you guys love it like we say you're gonna love it. I want them to feel comfortable. And that does a couple things. One is after two weeks and they hate us, then great, we can part with friends and we'll have the hardware picked up and they didn't change anything with their current provider. But if they love us like I believe they're gonna love us, well then great, that gave them, that gave the staff the peace of mind of knowing like, hey yeah, I've got this new system.   but I have my old system in place in case I don't remember how to do something. So not trying to time of like, hey, when should I close my old? When do I add in Moolah? Don't put yourself through that stress. Just add Moolah, try us out. And again, there's no contracts with us. So just bring us alongside, Pepsi challenges for a couple of weeks. And then when your staff and everybody's like, yeah, we love Moolah, cool. Then at that point, you can make arrangements with your processor to close that out.   Kiera Dent (20:17.454) Mm -hmm.   Mark Rasmussen (20:36.344) I can't can't to other processors, right? Because many of them have, you know, these long -term contracts and early termination fees. They'll have to course check with their vendor. But the good thing is that once you make that break and once you do come with Mula, Moolah, never have that worry again. There's no contracts with us. At any time, if anybody wants to close out their account, really easy to do business with us, really easy to not do business with us. Let us know. We'll have the hardware picked up at our expense and we'll wish each other well, you know? It's all good.   Kiera Dent (21:05.486) Mm -hmm.   Mark Rasmussen (21:06.2) So at least they can make that break and get out of the contracts and be with a company where they can truly be in a month to month environment.   Kiera Dent (21:14.67) Which is amazing. And I think something that's really awesome is I was thinking about that. If you are in a long -term contract and you can't get out of it, Processing is only charging you on the fees that you do. You might have a monthly fee with the hot hardware that you did purchase, or that might be something you paid upfront. However, you can actually move almost all of your transactions over to Moolah while you wait for that contract to leave. And so just don't think that you have to wait until that contract ends. I do process on two different processors intentionally because I want to like,   Mark Rasmussen (21:35.928) point.   Kiera Dent (21:43.726) leave one and move to another one, but I'm debating because that's going to lead me to my next question about fees. I'm testing two companies currently myself, intentionally, but you can, you can move all your processing over to Moolah if you love them so much, even if you're in contract. So I want that to just be a note for you guys to be afraid of. Yeah.   Mark Rasmussen (21:45.944) Yeah.   Mark Rasmussen (21:58.712) Yes, good point. Yeah, exactly. And you know, in tip to your point there. Even even if you're going to, you know, not cancel the service, maybe that's going to relate to, you know, 20 $30 a month and just maintenance fees. And you're like, well, hey, that still makes sense rather than having to spend three or $400 termination fee. I'm just going to pay the monthly minimum, you know, for whatever it is that six months to take me to that contract term. Yeah, you don't have to wait, you can just kind of pay that minimum.   Kiera Dent (22:20.814) Right.   Mark Rasmussen (22:27.32) and then actually cancel it when you're not going to get hit with a termination fee. Yeah.   Kiera Dent (22:30.51) sure. Yeah, so again, don't feel locked into it because they're going to want you to think you're locked, but it's a very minimal fee, especially if you love it. But something I am curious about, Mark, I feel I will just speak a little bit candidly about the industry. Credit card processors have a little bit of a reputation of being amazing at the beginning, and then they start tacking on all these stupid fees that I don't know, which is why there's companies like Merchant Advocate that come in and check and make sure that our processing fees are not too high. So walk me through processing freeze with Moolah.   because realistically that is always a scary thing when you switch processors. And I think that that's also another reason people don't want to switch. I love you. I love the things you do, but also are you charging me? Like right now I've got somebody who's like, Kiera, switch over to us and we'll be at 2 .9, which I still think is higher. I'd prefer it to be more like 2 .5 % processing fee, but they just sent me an email and I'm very disappointed because they're a very large company and I was so freaking pumped to use them. But they said,   In one year, so I'm like, you guys are smart. You want me to like get all my clients on this new processor. And then in one year, they're literally going to tack on this huge freaking fee on me. And I'm annoyed because it's going to be 10 bucks per transaction, like up to $10 per transaction indefinitely because they're now adding on this like stupid software. I feel annoyed by that. So I'm speaking very candidly. Tell me how your guys's fees work because obviously this is what people are going to be concerned about too. As much as I love you, I also make sure the fees make sense.   Mark Rasmussen (23:30.168) Right.   Mark Rasmussen (23:41.976) Yeah. Yeah. Yep.   Mark Rasmussen (23:50.132) Yep. Yeah, exactly. So we're, we're all about simplicity, right? Like, we love technology, and we love simplicity. So we've been talking about technology, let's talk about simplicity. So you know, anybody out there who's listening to this, and you've seen a merchant account statement, right? Nine and a half, actually, yeah, nine and a half out of 10 times, you look at that merchant statement, that month end statements, it's your eyes will roll back, it's like,   line item after line item after line item of like miscellaneous fees like, okay, this visa fee, this interchange fee, this transaction fee, PCI fees, don't even get me started on PCI fees, but we'll come back to that. PCI fees, monthly minimums, annual fees. I mean, it's crazy. It's like way overcomplicated by design. Not only that, I run in and talk to a lot of practices where like, you know, it's funny.   Kiera Dent (24:19.978) Yeah. Mm -hmm.   Kiera Dent (24:30.062) They're sane.   Mark Rasmussen (24:44.664) They're like, hey, I started engaging with you and then it had me look at my merchant processing again and my merchant processing statement that I just looked at and the pricing we're paying today is very different than it was when we signed up with them two years ago. So over these two years, they've been bumping up the rates unbeknownst to them. So, you know, with that being said, Moolah takes a very, you know, simple approach. With Moolah, you get, you know, our platform, you get our technology, right?   Kiera Dent (24:57.166) Mm -hmm.   Right.   Mark Rasmussen (25:11.192) There's no monthly SaaS fees or annual fees. There's no fees for the software, number one. The hardware, we're gonna provide the practice to brand new wireless smart terminals. They don't have to buy, rent, or lease those devices, they're included. Not only do we provide them the devices, but we also warranty them indefinitely, which is huge, because normally you're buying these devices, and normally it's like a 12 -month manufacturer's warranty. And then Murphy's Law kicks in half the time, and then it's like month 14, the device fails.   And then you're like, oops, sorry, you got to buy a new device. Whereas with Moolah, first of all, as mentioned, we give them the hardware, but we're warranting them indefinitely, even beyond hardware failure, even accidental damage we will cover. So a practice that comes on board with us, three years later, they call us like, hey, we accidentally dropped the device off the counter and broke, cracked the screen. We'll cover that. Just give us a call. We'll provision replacement. We'll overnight it. So practices that do, you know, processing with Moolah.   totally are future -proofing themselves of ever having hardware expense again. Okay? So no fees on the software, no fees on the hardware. So then it comes down to we make our revenue on the merchant processing. And we've done that. And I think is a really fair, simple and straightforward approach. It breaks down to this. There's literally two fees that a Moolah practice will have when they do business with us. One rate, which is 2 .49 % flat rate for anything that's done in practice.   Kiera Dent (26:17.582) Mm -hmm.   Mark Rasmussen (26:35.416) And it doesn't matter whether it's an Amex or a Visa or a Mashcard Discover, the card type doesn't matter. If it's done in person, it's 2 .49%. There's not a transaction fee on top of that. Normally, you'll see like 10 or 20 cents per transaction. None of that, just 2 .49. And then that same logic carries over for any of the card not present transactions. So that would be 2 .99 % for anything that's done, you know, text to pay, the website payment.   Kiera Dent (26:47.95) Mm -hmm.   Mark Rasmussen (27:01.304) So it's literally only those two pricing elements. 2 .49 on transactions are done in practice, 2 .99 where the card is not present, nothing else. And so, you know, when I say nothing else, literally nothing else. So we're eliminating all the kind of miscellaneous fees that we were talking about earlier. The statement fees, the interchange fees, PCI fees. This is a crowd favorite. So not only do we remove the PCI fees, right? And I'm sorry to the rest of my industry.   Kiera Dent (27:19.278) Mm -hmm.   Mark Rasmussen (27:30.552) peers, but this is the truth. PCI is a complete racket. It's become a financial racket to processors of looking to extract more revenue. So we look at PCI where there not only is there never a fee with Moolah on a PCI fee, but we take care of all the tasks. No longer does the practice have to do that once a year self -assessment questionnaire. No longer do they need to deal with quarterly scans. It's   Kiera Dent (27:35.694) Yeah.   Kiera Dent (27:51.05) Thank you.   Mark Rasmussen (27:58.04) All the PCI elements are managed on the practices behalf. So they never have a PCI fee or a task to do as long as they're with Moolah, which people love. So, and again, as I already mentioned, there's no annual fees, there's no contracts. This is 249 .299. And to really hit that home, as we were talking about previously of like, hey, somebody just trying out Moolah, right? So if you're trying us out, let's say you sign up with Moolah, we send you the hardware.   Kiera Dent (28:07.854) Mm -hmm.   Mark Rasmussen (28:26.264) but you didn't get around to actually switching over and then the month goes by. Well, guess what? You would have zero expense from Moolah. If you didn't process any payments from us, nothing's gonna kick in. There's no minimums, there's no statement fees, none of that. So if you didn't process a credit card payment, you would have zero expense from us. So, you know, expense is truly driven from when you process credit card transactions and that's it. So really simple, right? And really straightforward and, you know,   Kiera Dent (28:50.638) Mm -hmm.   Mark Rasmussen (28:53.304) people can get around and knowing what this costs because again, we wear our pricing on our sleeve. There's no surprises. We don't play that game of like teaser rates and then a couple of months kind of sneak in a little message and hope nobody notices and increase the rate. Those rates are gonna be as they are. There's no intention of increasing them.   Kiera Dent (29:06.446) Yep.   Kiera Dent (29:12.142) Yeah, and it's interesting as you're saying that, Mark, I pulled up one of my processing fees. So I'm just curious, because this is what I'm seeing. So tell me, what things are actually nonsense versus what are real? Line item, it says two, visa never approved domestic. What does that even mean?   Mark Rasmussen (29:28.728) So that's referring to an interchange element. So here's the first thing we'll say. Interchange, which is basically the wholesale cost from, you know, not to bore everybody, your audience, but you've got two sides of the equation in credit cards. You have the card issuers, which are patients banks, you know, from their Citibank Visa or their Capital One Visa. And then you have the acquiring banks, which represent the merchants. So interchange is what the card issuers charge the acquiring banks when their customers present their card to their merchants. That's interchange.   Kiera Dent (29:36.078) Mm -hmm.   Mark Rasmussen (29:58.776) And so interchange consists of hundreds and hundreds of different card types with different price points. And so whether it was a Visa, vanilla, you know, plain Visa card, was it a debit card, was it a rewards card, was it a corporate card? So all these variations of interchange expense and there's all these nuances of different fees related to that. Now, listen, these elements happen, doesn't matter who your processor is, all these elements are happening with Moolah in the backend, but we just absorb it all. And so,   Kiera Dent (30:10.286) Great.   Mark Rasmussen (30:28.408) Even though we're very simple in our rates to the practice, make no qualms about it. We're not any different. There's a lot of elements behind the scenes of different expenses that are happening non -domestically. You were talking about rewards, downgrades, all these things are happening behind the scenes. But to our practices, they don't care about that. And they don't need to worry about that. They know that if they do it in their practice, it's 249. And if they do it as a Cardinal President, it's 299.   Don't worry about anything else. We're managing all that behind the scenes.   Kiera Dent (30:58.798) That's awesome. Yeah, because as I'm looking at this statement, I'm like, interesting. I didn't know I had a monthly service fee that has been added on a fixed acquire network fee, another AXP system processing fee that's quite substantial. And I'm like, none of those things were on there prior when I originally signed up. And so I was like, hey. Hey. And so it's interesting.   Mark Rasmussen (31:14.872) You're like, that wasn't on this, that wasn't on my sign up form. I don't remember seeing that. All right, well, we need to talk after the podcast and get you guys over to Moolah, right?   Kiera Dent (31:22.574) I know. Okay, I know. So anyway, that's what I wanted to point out to you guys is like me even looking at this right now, like as listening to the podcast with Mark, like double, I mean, you probably saw my eyes shift over because I was like, what the heck? I got all these fees sitting over here. But what's crazy is I've kind of hovered around this like 2 .9 % for all the time. But I just knew that they were tacking on fees and I had to do this like, my gosh, Mark, we really want to bore people. I had to do all these like   compliance things and they had me do this whole thing to get my rates down and I'm still not but I'm in this higher compliance area. All this nonsense. But anyway, beyond that, I think everybody should use moolah. So I think for modernized payments, I think for the 2 .49, that's insane. Like people are all talking about what are ways that we can save costs on our overhead. Well, get your processing fee down to 2 .49 in practice, you're going to be substantially lower. And then the other ones are 2 .9, which is still lower than what most are at most around three.   Mark Rasmussen (31:54.424) Right. Yeah.   Mark Rasmussen (32:00.216) Thanks.   Kiera Dent (32:17.326) I would usually see about 2 .5 to 3 .3 is typically what I'm seeing for fees, not to mention all the additional add -ons and also having to pay for your process. So if an office, let's say they've got two of these, but they want more, they're a really large practice, do they pay extra for an additional terminal? I would assume yes, because you guys complimentary too, do they pay for extra terminals?   Mark Rasmussen (32:23.64) Yep. Yep.   Mark Rasmussen (32:38.424) They do. So we provide them two, if they want additional devices, it's $30 a month for those additional devices. If they're a larger practice, you know, you sweet talk us a little bit. Well, we have been known to include an extra device or two if it's a larger practice. So, yeah, exactly. Talk to the team. But the short of it is that if the practice is joined more than $60 ,000 a month,   Kiera Dent (32:45.517) Wow, awesome, very easy.   Kiera Dent (32:55.214) So, you know, do a little good sales pitch to Mark over here.   Mark Rasmussen (33:08.44) and they need additional devices, we're usually pretty flexible about providing those additional devices.   Kiera Dent (33:14.51) Do you guys ever do reduced pricing at all if a practice is doing large amounts per month? Or is it just like, this is what it is? I was curious, because I know there's a lot that do hire amounts.   Mark Rasmussen (33:20.248) We do, we do. We do. So matter of fact, so we have the 249 .299 is our wrap rate for dentists. Any practices that come through one of our partnerships, those come in at a reduced rate. And then we have even a lower tier if the practice is multi -practice as multi -locations. So definitely inquire with us.   about those, you know, reduce rates if you're with any of our partners. And yeah, a lot of them. You know, the other thing I was going to mention, just because this is kind of exciting and new for us, and it's crazy how much this has been, practices have been asking about this over the last 12 months. The question that a lot of practices come to us and ask, and they say, is there any way that I can offload my credit card processing fee to the patient?   Kiera Dent (33:50.702) for sure.   Kiera Dent (34:11.982) Yeah. Yeah, I'm curious on this.   Mark Rasmussen (34:15.096) A year ago, we would get that request one out of 10 times. Today, we get that request like seven or eight out of 10 times. So like the cats out of the bag, like people want that. So I'm happy to announce that we just went into beta on being able to offer compliant surcharging. And so you'll be able to practice what they'd like to, they'll be able to offload the credit card processing fee, both in practice and any of the card not present activity, the text to pay, the website payment.   Kiera Dent (34:22.35) Mm -hmm. Agreed.   Mark Rasmussen (34:44.792) you'll be able to offload the credit card processing fee onto the patient. That only does on the credit cards. You're not allowed to do that on the debit cards, right? Debit cards, there's no additional fee to the patient, but if they're paying with a credit card, you'll be able to offload the credit card processing fee to them. And the nice thing with that Moolah is that not only are we giving them the capability to do that, but we're also handling that surcharge amount correctly in the PMS when we're posting into it from an accounting perspective and keeping that clean. Yeah.   Kiera Dent (34:54.03) Mm -hmm.   Kiera Dent (35:10.538)  amazing because agreed I think that's a big piece. I mean when I look at my credit card processing fees a year I'm like we're in the upwards higher like it's almost like another employee when you look at that annual amount that you're paying credit card processing fees and so I just think it's a really awesome way I really love you guys mark. That's why you guys are a sponsor of ours this year That's why you guys are a partner of ours And so definitely everybody let them know that you came from the Dental A Team podcast mark How do people connect with you because I think people should modernize their payments?   Mark Rasmussen (35:19.832) Yeah. Yeah, no doubt.   Kiera Dent (35:39.47) I just feel like would you continue purchasing from Amazon if you had to send them a paper check? The answer's hard pass, no. Would you continue working with Amazon if you couldn't shop at night on them? The answer is no. Would you continue working? And I understand that Amazon does not feel like a dental office, but I'm like, I wouldn't continue seeing my therapist or all these different people. It's so archaic when you go to other even medical professionals that don't take Apple Pay. I'm like, what, you don't take Apple Pay?   Like, what are you doing? Like, everybody takes Apple Pay. Everybody does the tap pay. Why am I still having to insert my card or write you a check or give you my card? Like, it just feels so archaic. And I love, Marc, you guys truly have modernized it and it's not hard. And I love that it's very simple and that people can try you out, see if they like you, but offices that are using you that I know love you. So how can offices get Moolah in their practice? Yeah.   Mark Rasmussen (36:05.976) Yeah. Yeah.   Mark Rasmussen (36:27.32)  Cool. I would recommend if any practice that's interested in learning more about us is, and maybe Kiera in this podcast and description or something, put a link for, because we have preferred pricing for Dental A Team clients. And so I would just take a look at that link that's probably associated with this podcast. And on that page, you guys can go ahead and schedule a time. It's convenient for you to do a demo. And so I think a demo is the, is the,   Kiera Dent (36:40.43) course.   Mark Rasmussen (36:57.176) best natural step for any of your listeners that want to know more about Moolah. And again, schedule that demo and we'll run them through and show them all of the features, all the benefits, and then assist them with getting signed up at that preferred rate that they'll get through Dental A Team.   Kiera Dent (37:15.182) Amazing Mark. And I just like, you know, I love to like sweeten it a smidgey for you guys. So let's just do a hypothetical, a practice is processing a million a year. Okay. And they are just paying that extra half a percentage mark, right? That would be pretty simple. Right? So, you know, if you guys are just paying that extra half a percentage, I'm doing this on a million. That's a $50 ,000. It's insanity to me of how much you guys are saving. Did I do my math right?   Mark Rasmussen (37:24.632) Yeah.   Mark Rasmussen (37:29.592) Yeah? Yeah?   Mark Rasmussen (37:40.216) Right? Yeah.   Kiera Dent (37:44.654) Or is it less than that? A million and we're doing, I lied to you guys. $5 ,000, $5 ,000 just on a half percentage, five grand, which might not seem like enough for you guys to go after. Five grand just by switching processors that you would be saving every year, just on a million dollar practice that you process. That's like, and you probably listen, yes, just the rate.   Mark Rasmussen (37:49.048) We said a half a percent.   Right. Right.   Mark Rasmussen (38:04.344) And you're just talking the rate. And you're just talking about the rate. What about all the other miscellaneous fees that they're probably paying as well? So it's going to be more than five grand. And I feel very strongly that they would be improving their experience on a daily basis with the technology. So not only are you saving on the rate, but you're just improving your day -to -day experience with payments. It's kind of a win -win.   Kiera Dent (38:13.39) Yes, but right alone!   Kiera Dent (38:22.062) I love you, Clint.   Kiera Dent (38:29.55) And as a team member, I have way less I've got to do. I don't have to remember. I've got a drip campaign. I can have them pay on that. I'm not sending statements anymore. So those costs in and of themselves. So I'm just saying, like, for a million dollar practice, it's a guarantee, probably $5 ,000 savings for you just on the rate, let alone everything else. So I think it's worthwhile to schedule that demo. So Mark, thanks for being on the podcast today.   Mark Rasmussen (38:51.224) It was awesome. Thank you so much for allowing us to be there We're so glad to be a sponsor and be with you guys. You guys are rock stars. So appreciate you   Kiera Dent (38:58.03)  Amazing. Well, for all of you listening, guys, don't be like, take the effort, go look into this. It will save you so much money and your team will be happier. Definitely reach out and for all of you listening, thanks for listening and I'll catch you next time on the Dental A Team podcast.  

The Miami Dolphins have experienced a lot of changes since last year. But where, after all of the shuffling of talent, are they better than last season? Where are they worse? A look at each position room on the roster and where Miami has taken steps forward this offseason.Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins caused a bit of a stir with a new photo from OTAs that featured Nik Needham among the safeties. Would Needham, a career nickel defender, be enough at safety to alleviate the need at safety? If not, what other options still remain? Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

Decisions, decisions...the talk around the Dolphins is often centered around the things this roster still needs — but what about what this roster already has? The Miami Dolphins, like every other team, must cut to 53 players at the start of the 2024 NFL season. Good luck figuring out the bubble players on this year's team! Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins are reportedly still in the market for a free agent offensive lineman in the aftermath of the 2024 NFL Draft. There are a number of experienced players still left on the market, including Minnesota's Dalton Risner & Las Vegas' Greg Van Roten. Is either one the right fit for the Dolphins' interior offensive line in 2024? Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins are a team that is presumed to be adding a starting offensive guard in free agency in the weeks ahead. Much of the discourse around the position overlooks a young member of the Dolphins' offensive line — utility OL Liam Eichenberg. After playing at both tackle spots as a rookie in 2021, Eichenberg transitioned inside in 2022 and then played nearly all of his starts at center for Miami in 2023. What is the ceiling for a player the Miami Dolphins haven't done many favors for early in his career? Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

Odell Beckham Jr. — YOU, sir, are a Miami Dolphin! The Dolphins have reportedly agreed to terms with veteran wide receiver Odell Beckham Jr. to end the week after the 2024 NFL Draft. How does Beckham Jr. fit the wide receiver ranks? What is the cost for Miami? We look at all of that on today's episode of Locked On Dolphins.Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins have moved on to free agency with the news of the Odell Beckham Jr. signing and after today, so will we. One final look at the 2024 NFL Draft class: expectations for signings, who has the inside track to make the 53-man roster entering the summer and what strategies the Dolphins applied early and late. Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins finished their 2024 NFL Draft with Cal safety Patrick McMorris and USC wide receiver Tahj Washington. Both were transfer portal talents from smaller schools before making their respective leaps to the NFL as late round picks — what do they do well and how can they use those talents to make the Miami Dolphins roster in 2024? Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

The Miami Dolphins left the 2023 season seeking more depth and impact from their wide receiver room. Everyone knows the impact of Jaylen Waddle and Tyreek Hill — but the rest of the room left room for growth and more impact in key spots. Could rookie wide receiver Malik Washington be the answer? The 6th-round draft choice from Virginia has a few promising traits...a deep dive on one of the newest Miami Dolphins.Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

What is better than one new EDGE defender for the Miami Dolphins? Two! The Dolphins secured a double dip at pass rusher in the 5th-round of the 2024 NFL Draft, securing Colorado State's Mohamed Kamara with the No. 158 overall selection. What does Kamara, who is one of the most accomplished pass rushers in Colorado State program history, bring to Miami? How high is the ceiling and the floor? A deep dive on one of the newest Miami Dolphins.Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

Miami went out and got their guy to start Day 3 of the 2024 NFL Draft, trading a future 3rd-round draft choice to Philadelphia in order to select RB Jaylen Wright of the Tennessee Volunteers. Who is Wright, what is his game and how does he fit the Dolphins scheme? A deep dive on one of the newest Miami Dolphins. Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)

Chris Grier read your mean tweets. The Miami Dolphins were on fire throughout Day 3 of the 2024 NFL Draft, pulling an extra 4th-round pick for standout running back Jaylen Wright while also adding terrific value picks with Colorado State's Mohamed Kamara and Virginia's Malik Washington in the late rounds. Miami's 7 player draft class is now complete — so...how did they do? Support Us By Supporting Our Sponsors!Monopoly GO!Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Pay. The mobile hit twist on classic MONOPOLY.Yahoo FinanceFor comprehensive financial news and analysis, visit the brand behind every great investor, YahooFinance.com.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit at eBayMotos.com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNFL. Terms and conditions apply.BetterHelpThis episode is sponsored by BetterHelp. Make your brain your friend, with BetterHelp. Visit BetterHelp.com/LOCKEDON today to get 10% off your first month.GametimeDownload the Gametime app, create an account, and use code LOCKEDONNFL for $20 off your first purchase.FanDuelFanDuel, America's Number One Sportsbook. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any winning GUARENTEED That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get started.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)