Podcasts about Interchange

Interchange fees are one of the largest — and most misunderstood — costs in merchant services. But new changes from Visa are reshaping how optimization works and creating new opportunities for payment professionals. In this episode of the Merchant Sales Podcast, James Shepherd speaks with Jeremy Layton, CEO of Verisave, about interchange optimization, Visa's new Commercial Enhanced Data Program (CEDP), and how merchants can reduce processing costs without switching providers. They explain how interchange works, why many merchants overpay, and how real transaction data is becoming critical under Visa's new rules. The episode also explores how ISOs and agents can partner on cost reduction programs, unlock new revenue opportunities, and help larger merchants who aren't looking to switch processors. Plus, Patti Murphy's Today in Payments segment covers major industry developments including Europe's move toward a new payment network, rapid growth from Toast and Zelle, and emerging payment innovations. If you're a merchant sales agent or ISO owner looking for new ways to deliver value — and generate revenue — this episode is a must-listen.

The NDC's construction of the Suame Interchange will not affect the NPP's electoral fortunes in the Ashanti Region. Governance is a continuous process, and infrastructure development should be guided by economic growth, not partisan politics. - Francis Asenso-Boakye, Former Roads and Highways Minister & MP for Bantama

“The four-tier Suame Interchange promised to Ashanti Region cannot be reduced, and the system you promised must be delivered.”- Barima Kofi Dawson (Akokoa) to Roads Minister, Hon. Agbodza

Join us for a captivating journey through the fields and distilleries of Mexico with Francisco Terrazas, Executive Director of the Tequila Interchange Project and co-founder of Paranubes Oaxacan Rum. We follow his path from the craft cocktail bars of Tucson, Arizona, to the heart of the agave world as the former General Manager of Houston's renowned mezcalería, The Pastry War. Francisco shares his deep dive into advocacy and production, from his time as Brand Ambassador for Mezcal Vago to co-founding one of Mexico's pioneering craft rum brands. He reveals the story behind Paranubes—a groundbreaking project that honors Oaxacan terroir and traditional methods outside the world of agave. This conversation goes beyond the bottle to explore his critical work with the Tequila Interchange Project, promoting sustainability and ethical practices in the spirits industry. Learn More: https://www.tequilainterchangeproject.org/funding Import Project: phttps://www.raicesimports.com Paranubes Rum: https://www.paranubes.com/about ____________________________________ Join us every Monday as acclaimed bartender, Erick Castro, interviews some of the bar industry's top talents from around the world, including bartenders, distillers & authors. If you love cocktails & spirits then this award-winning podcast is just for you. SUPPORT US ON PATREON: Get early access to episodes, exclusive bonus episodes, special content and more: https://www.patreon.com/BartenderAtLarge WATCH OUR VIDEOS ON YOUTUBE: https://www.youtube.com/bartenderatlarge FOLLOW US ON INSTAGRAM: Erick Castro: www.instagram.com/HungryBartender Bartender at Large: www.instagram.com/BartenderAtLarge FOLLOW US ON TIKTOK: Erick Castro: https://www.tiktok.com/@hungrybartender?_t=ZT-8uBekAKOGwU&_r=1 Bartender at Large: www.tiktok.com/BartenderAtLarge FOLLOW US ON TWITTER: Erick Castro: www.twitter.com/HungryBartender Bartender at Large: www.twitter.com/BartendAtLarge  

In this episode, Bryan Barrett sits down with State Representative Mike Sparks to discuss a pivotal meeting between Governor Bill Lee, the Smyrna State Delegation, and Town

MDJ Script/ Top Stories for January 14th Publish Date:  January 14th Commercial: From the BG Ad Group Studio, Welcome to the Marietta Daily Journal Podcast.    Today is Wednesday, January 14th and Happy Birthday to Dave Grohl I’m Keith Ippolito and here are the stories Cobb is talking about, presented by Times Journal East Cobb protest calls to end ICE after deadly shooting Interstate lane closure advisory for the I-285/I-20 West Interchange project ‘Ready to work for it’: Miss Cobb County 2026 looks toward Miss Georgia competition All of this and more is coming up on the Marietta Daily Journal Podcast, and if you are looking for community news, we encourage you to listen and subscribe!  BREAK: INGLES 5 STORY 1: East Cobb protest calls to end ICE after deadly shooting The intersection of Johnson Ferry and Roswell roads buzzed with energy Sunday afternoon as over 150 protesters gathered for the “ICE Out for Good” rally, part of a nationwide movement calling for the abolition of ICE. Chants of “No ICE, no fear, immigrants are welcome here” echoed across the streets, accompanied by honking horns and waves from passing cars. Protesters held handmade signs with messages like “Melt ICE,” “Justice for Renee,” and “Keep Orwell fiction.” The rally followed the recent fatal shooting of Renee Good, a Minneapolis woman, by an ICE agent during an immigration operation. Protesters, led by Indivisible Cobb, called out what they described as ICE’s unchecked violence. “This is about justice,” said Susan Lopez of Smyrna. “ICE is overstepping, and it’s time to hold them accountable.” Not everyone agreed. Terry Frost, a lone counter-protester, stood silently with a Trump campaign flag, voicing his support for ICE. “I can’t stand with people defending criminals,” he said. The protest remained peaceful, with no arrests reported. STORY 2: Interstate lane closure advisory for the I-285/I-20 West Interchange project  Heads up, drivers: weather permitting, GDOT contractors will be closing lanes around the I-285/I-20 West Interchange for a major reconstruction project. Expect delays, lane shifts, and some frustration—so plan ahead. The project? Widening ramps, adding collector-distributor lanes, and improving traffic flow. But first, the closures: I-285 Northbound: Cascade to Bolton, nightly Jan. 12-16. Single-lane closures start at 9 p.m., double-lane closures at 11 p.m. I-285 Southbound: Hollowell to MLK Jr. Drive, same deal. I-20 Westbound: Anderson to Riverside, 9 p.m. to 5 a.m. I-20 Eastbound: Riverside to I-285, alternating lane closures. Flagging operations and pacing will also hit nearby roads. Check 511ga.org for updates, and drive safe! STORY 3: ‘Ready to work for it’: Miss Cobb County 2026 looks toward Miss Georgia competition   For Dominique Verville, crowned Miss Cobb County 2026 last August, life’s best moments often sit just past fear. “Fear shows up when something matters,” the 23-year-old from Kennesaw told the Kiwanis Club of Marietta on Thursday. “It doesn’t mean you’re unprepared—it means you’re standing at the edge of growth.” A graduate of Auburn University with degrees in aviation management and finance, Verville is a classically trained dancer, a licensed pilot, and now an aviation insurance underwriter. But her heart? It’s in service. Through her nonprofit, Hearts for Heroes, she supports veterans transitioning to civilian life, delivering supplies and reading her children’s book, Dear Soldier, to students. “The crown isn’t about me,” she said. “It’s about serving others.” We have opportunities for sponsors to get great engagement on these shows. Call 770.799.6810 for more info.  We’ll be right back. Break: INGLES 5 STORY 4: Mableton swears in new councilmembers, elects mayor pro tem The Mableton City Council kicked off the year with a packed agenda—and a little drama. New council members Cassandra Brown and Michael McNeely were sworn in, while Debora Herndon, reelected unopposed, will take her oath later this month. Then came the vote for mayor pro tem. After a 3-3 tie between Ron Davis and Keisha Jeffcoat, McNeely flipped his vote in a second round, giving Davis the role with a 4-2 majority. “Big shoes to fill,” Davis said, “but I’m ready to make this city the best it can be.” The council also approved Mableton’s participation in HUD’s Community Development Block Grant program, partnering with Cobb County to fund affordable housing, infrastructure upgrades, and economic development. STORY 5: Wood you believe it? New art exhibits open in Marietta   Two fresh exhibitions are taking over the Marietta-Cobb Museum of Art and they couldn’t be more different. Downstairs, “Georgia Wood Artists” showcases 50 stunning woodworks from 39 Georgia artists—everything from bowls to mandolins to abstract sculptures. Upstairs? Lawrenceville painter Maya Perez-Lugones makes her solo debut with a series of bold, surreal bathroom scenes. “It’s like night and day,” said museum director Sally Macaulay. “Every piece evokes something different. I love hearing what people feel.” Perez-Lugones’ work, inspired by light bouncing off bathroom surfaces, explores ego and compulsion. Meanwhile, the wood exhibit highlights craftsmanship, from whittling to woodturning. Tickets are $10; kids under 6 get in free. Break: STORY 6: Braves re-sign reliever Tyler Kinley    The Braves are keeping their bullpen busy this offseason, signing right-hander Tyler Kinley to a $3 million deal for 2026, with a $5.5 million club option for 2027 (or a $1.25 million buyout). Kinley, 34, was lights-out last season—5-0 with a ridiculous 0.72 ERA in just 25 innings after being traded from Colorado in July. Not bad, right? This move follows Atlanta’s other bullpen splashes: a $45 million deal for Robert Suarez and a $16 million re-signing of closer Raisel Iglesias. STORY 7: Health inspection follow-up brings big change for Hoboken Cafe  The Hoboken Café on Whitlock Avenue, a local favorite for Italian eats, bounced back this week after a rough health inspection in December. The follow-up? A shiny 97 out of 100—an “A” for food safety excellence. Back in December, though, things weren’t so great. The café scored a 69, just one point above a failing grade. Violations included raw meat stored above ready-to-eat foods, cooling and reheating issues, and sanitizer buckets with way too much solution. The last inspection found just one issue—improper cooling for stuffed peppers, which was fixed on the spot. Management says everything’s been addressed. We’ll have closing comments after this. Break: INGLES 5 Signoff-   Thanks again for hanging out with us on today’s Marietta Daily Journal Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.mdjonline.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com See omnystudio.com/listener for privacy information.

MDJ Script/ Top Stories for January 7th Publish Date:  January 7th Commercial: From the BG Ad Group Studio, Welcome to the Marietta Daily Journal Podcast.    Today is Wednesday, January 7th and Happy Birthday to Kenny Loggins I’m Keith Ippolito and here are the stories Cobb is talking about, presented by Times Journal Interstate lane closure advisory for the I-285/I-20 West Interchange Project Infants, toddlers learn, play together in Saturday story time Kennesaw Catholic school sees financial awards, growth in third year of operation All of this and more is coming up on the Marietta Daily Journal Podcast, and if you are looking for community news, we encourage you to listen and subscribe!  BREAK: INGLES 3 STORY 1: Interstate lane closure advisory for the I-285/I-20 West Interchange Project Heads up, drivers: weather permitting, GDOT contractors will be closing lanes around the I-285/I-20 West Interchange for a major reconstruction project. Expect delays, detours, and, let’s be honest, some frustration. The project? It’s a big one—widening ramps, adding collector-distributor lanes, and improving traffic flow. But first, the closures: I-285 Northbound: Cascade to Bolton, nightly Jan. 5–9, with single-lane closures starting at 9 p.m. and double-lane closures at 11 p.m. I-285 Southbound: Donald Lee Hollowell to MLK Jr. Drive, same dates and times, with alternating lane closures. I-20 Westbound: Anderson Ave. to Riverside Parkway, nightly closures from 9 p.m. to 5 a.m. I-20 Eastbound: Riverside Parkway to I-285, alternating lane closures nightly. Flagging operations and pacing will also hit local roads like Collier Drive and Delmar Lane. Check 511ga.org or the Georgia 511 app for real-time updates. And please—slow down, stay alert, and watch for workers. STORY 2: Infants, toddlers learn, play together in Saturday story time  Saturday morning at the Lewis A. Ray Library was pure chaos—the good kind. Ten little ones, from wobbly toddlers to wide-eyed infants, gathered on a colorful mat in the children’s section, ready for story time. Their parents? Mostly trying to keep up. Jess Fulcher, the library’s assistant senior librarian of youth services, led the charge. There were songs (“Wheels on the Bus,” of course), dancing, and two books about big feelings: Mad, Mad Bear and Leo Wakes Up Grumpy. The kids shook maracas, froze mid-dance, and popped bubbles from a machine that sent hundreds floating through the air. “It’s amazing,” Fulcher said, smiling. “I’ve been seeing some of these kids for over a year now. Watching them grow, connect, and learn—it’s the best part of my job.” The library, located at 4500 Oakdale Road, hosts family story time every other Saturday. For details, visit cobbcounty.gov/location/lewis-ray-library. STORY 3: Kennesaw Catholic school sees financial awards, growth in third year of operation  The 2025-26 school year has been a big one for Kennesaw’s Chesterton Academy of Atlanta. Just three years in, this small Catholic high school is growing steadily—and racking up some impressive wins along the way. Founded in 2023, the school is part of the global Chesterton Schools Network, which aims to provide affordable, classical Catholic education. Tuition? $9,185 per year. This year, the network snagged the prestigious $1 million Yass Prize for education innovation, while the Kennesaw campus received a $3,000 grant from the Catholic Foundation of North Georgia to upgrade its art room and cafeteria. From just 10 students in its first year to over 30 now, Chesterton Academy is carving out a special place in Georgia’s Catholic education landscape. For more, visit chestertonatl.org. We have opportunities for sponsors to get great engagement on these shows. Call 770.799.6810 for more info.  We’ll be right back. Break: INGLES 3 STORY 4: Cobb lawmakers react to U.S. strike on Venezuela Cobb County lawmakers are weighing in on the U.S. military’s strike in Venezuela, which ended with the capture of President Nicolás Maduro and his wife, Cilia Flores. The operation, ordered by President Trump, has sparked a firestorm of reactions—both praise and sharp criticism. U.S. Rep. Barry Loudermilk, R-Cassville, called the move “decisive and courageous,” hailing it as the end of a “tyrannical regime” and a chance for a brighter future for Venezuela. But not everyone’s cheering. Rep. Marjorie Taylor Greene, R-Rome, slammed the strike, questioning its consistency with Trump’s stance on Ukraine and accusing the administration of prioritizing foreign conflicts over domestic issues. “Why is it okay when we do it?” she asked on X. Rep. Lucy McBath, D-Marietta, echoed concerns, demanding clarity on the strike’s legality and its potential to destabilize Venezuela further. Sen. Raphael Warnock, D-Georgia, went even further, calling it a “broken promise” from a president more focused on foreign oil than Americans’ struggles. Locally, the Cobb Democratic Party condemned the strike as “unlawful,” while Cobb GOP President Mary Clarice Hathaway defended Trump’s decision, saying, “Sometimes hard decisions are necessary.” STORY 5: Cobb Police arrest suspect in New Year’s Day homicide   A New Year’s Day stabbing at the Millwood Apartment Complex in Marietta left one man dead and another behind bars. Cobb County Police say they responded to a call around 8:30 a.m. on Jan. 1 at 300 Pat Mell Road, near Austell Road. When officers arrived, they found 47-year-old Jerry Sampson Jr. with a stab wound. He was rushed to the hospital but didn’t make it. The suspect, 50-year-old Zuberi A. Douglas, was arrested the next day at the same apartment complex where the incident happened. He’s now facing charges, including felony murder. The investigation is ongoing. Got info? Call 770-499-3945. Break: STORY 6: Mac’s Chophouse scores 64 on health inspection, owners say violations are being corrected     Mac’s Chophouse, a Marietta Square favorite, hit a rough patch, scoring a 64 on its health inspection—an unsatisfactory “U” grade. Ouch. Co-owners Randy McCray and Chef Mike Fuller didn’t shy away from the news. “This score doesn’t reflect who we are,” they said, calling most violations “administrative” rather than food safety issues. The inspection cited nine problems, from improper handwashing to black buildup in ice machines. A half-eaten burger on a prep table? Not a great look. McCray admitted, “We fell behind during a busy season.” They’ve since cleaned house—literally—and are prepping for a re-inspection by Jan. 9. STORY 7: Wheeler falls in title game of Hoophall West  Darius Wabbington was unstoppable. He dropped 23 points, grabbed nine boards, and led Sunnyslope to a nail-biting 61-59 win over Wheeler in the Hoophall West Nike Tournament of Champions final on Saturday. Wheeler (11-3), ranked No. 5 by MaxPreps, had a solid run—beating Salesian (CA) and No. 6 Millennium (AZ)—but three games in three days and 1,800 miles of travel caught up with them. Still, they fought. Down 47-45 heading into the fourth, they clawed back to lead 53-51. But Sunnyslope? Ice cold at the line. They hit all 15 free throws, including six clutch ones from Colorado signee Rider Portela, who finished with 14 points. The game was chaos—nine ties, 16 lead changes, and no lead bigger than five. Wheeler’s Amare James (16 points) and Colben Landrew (20 points, six assists) kept it close, but Wabbington’s second-half threes and Sunnyslope’s composure sealed it. Tough loss, but what a game. We’ll have closing comments after this. Break: INGLES 3 Signoff-   Thanks again for hanging out with us on today’s Marietta Daily Journal Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.mdjonline.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com See omnystudio.com/listener for privacy information.

Today – Mansfield City Council has approved its first-ever use of a decades-old financing tool, setting the stage for long-term road improvements near one of the city’s busiest interchanges.Support the show: https://richlandsource.com/membersSee omnystudio.com/listener for privacy information.

Revolut ha pasado de ser una fintech prometedora a consolidarse como la entidad financiera tecnológica más valiosa de Europa, desafiando a la banca tradicional con una velocidad de ejecución sin precedentes. En este episodio, Ignacio Zunzunegui, Head of Growth para el sur de Europa y LATAM, nos abre las puertas de la maquinaria interna que impulsa este crecimiento exponencial.

Who gets hurt most from the demise of the penny? Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Bryan Derman, Russ Jones, and Chris Uriarte share their first-take analysis of last week's proposed settlement of the long-running antitrust litigation between Visa/Mastercard and a group of merchants regarding Payment Card Interchange and Merchant Discounts. The discussion covers the basic parameters of the settlement proposal and then investigates some of the possible reactions by merchants, issuers, and networks were the settlement to be approved the by judge.

A Scene of Wonderful Solemnity will bring you peace and sleepiness as Frankie and Victor live in the Interchange of Kindness pretty well, especially for non-friennies such as themselves.This sleepified reading of Mary Shelley's Frankenstein talks about the Big Farm, religion, and mental health.This episode was originally released on Sleep With Me Plus! Your direct support keeps the show going and gives you access to hundreds of hours of bonus episodes like this one. Start a free trial at sleepwithmepodcast.com/plusGet your Sleep With Me SleepPhones. Use "sleepwithme" for $5 off!!Are you looking for Story Only versions or two more nights of Sleep With Me a week? Then check out Bedtime Stories from Sleep With MeShow Artwork by Emily TatGoing through a hard time? You can find support at the Crisis Textline and see more global helplines here.HELIX SLEEP - Take the 2-minute sleep quiz and they'll match you to a customized mattress that'll give you the best sleep of your life. Visit helixsleep.com/sleep and get a special deal exclusive for SWM listeners!ZOCDOC - With Zocdoc, you can search for local doctors who take your insurance, read verified patient reviews and book an appointment, in-person or video chat. Download the Zocdoc app to sign-up for FREE at zocdoc.com/sleep PROGRESSIVE - With the Name Your Price tool, you tell Progressive how much you want to pay for car insurance, and they'll show you coverage options that fit your budget. Get your quote today at progressive.comKINDRED - Kindred is a members-only home swapping network. It isn't a hotel. It isn't a short-term rental. It's a smarter way to travel where each stay feels like home. Apply now at LiveKindred.com and use code SLEEP to join for free. Plus, you'll earn 5 nights of travel credit just for signing up!ODOO - Odoo is an all-in-one management platform with a suite of user-friendly applications designed to simplify and connect every aspect of your company in one, easy-to-use software. Odoo is the affordable, all-in-one management software with a library of fully-integrated business applications that help you get MORE done in LESS time for a FRACTION of the price.To learn more, visit www.odoo.com/withmeUNCOMMON GOODS - Uncommon Goods scours the globe for original, remarkable, handmade things. Surprise your friends and family with unique - and even personalized! - gifts this holiday season. Head to uncommongoods.com/sleep for 15% off!EVERYDAY DOSE - Everyday Dose combines high quality coffee with powerful ingredients like Lion's Mane and Chaga, collagen protein, and nootropics to fuel your brain, boost focus, and give you clean, sustained energy all day long. Head to EverydayDose.com/SLEEP for 61% off your first Coffee+ Starter Ki… Learn about your ad choices: dovetail.prx.org/ad-choices

10/20/25: Rob Kost and Walter Samuel live near and along 64th Avenue in Fargo, and join Joel Heitkamp in the KFGO studio to talk about a big change to their neighborhood. City of Fargo staff have been collecting public input about a proposed Interstate 29 interchange at 64th Avenue South, and many citizens in the area are unhappy about the sudden change. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.

This is the last Footy Interchange episode of the year. Thank you for watching and listening along! This week, we cover the AFL trade period as a whole. Struggling clubs can't seem to compete at the trade table & the AFL strives to have equality across clubs, but is that actually happening?A massive thank you to all our guests and cohosts this season: Tom Rockliff, Callum Sinclair, Dom Cassisi, Drew Jones, David Zita, Simeon Thomas-Wilson, Eliza Reilly, & Steve Gravina.Thank you to Heyscape for helping make this show possible:Heyscape Cabins give you access to unique landscapes across Perth, the South West and Great Southern Region without having to experience a single night of ‘roughing it'. w: heyscape.com.au Hosted on Acast. See acast.com/privacy for more information.

This week we get stuck into everything trade around the AFL. Are players chasing culture more than ever before? & Are West Coast going to trade their number one pick? Hosted on Acast. See acast.com/privacy for more information.

Answering all your questions surrounding trade rumours and the grand final. Hosted on Acast. See acast.com/privacy for more information.

The Lions are back to back premiers and they'll continue to be a major threat in the comp next year. Trades are getting well under way & we break down all the grand final day injuries in Jeremy Cameron and Brandon Starcevich. Hosted on Acast. See acast.com/privacy for more information.

WDAY First News anchors Lisa Budeau and Lisa Budeau break down your regional news and weather for Thursday, September 25.  InForum Minute is produced by Forum Communications and brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. Visit https://www.inforum.com/subscribe to subscribe.

Darren Linton got off the number 469 bus at the Brewers Arms on Bell Lane and waved goodbye to his grandmother Shirley, who was still on board. They had arranged to meet up to go shopping that weekend, something they enjoyed doing together, especially if they came across a record store. Earlier that day, they had visited Darren's mother, Beryl, who was in the hospital. On her journey home, Shirley had to get a connecting bus at the Interchange station in Bury, Greater Manchester. Sometime later, when that second bus pulled in at the station, there was no sign of Shirley… *** LISTENER CAUTION IS ADVISED *** This episode was researched and written by Eileen Macfarlane.Edited by Joel Porter at Dot Dot Dot Productions.Script editing, additional writing, illustrations and production direction by Rosanna FittonNarration, additional audio editing and mixing, and script editing by Benjamin Fitton.To get early ad-free access, including Season 1, sign up for They Walk Among PLUS, available from Patreon or Apple Podcasts.More information and episode references can be found on our website https://theywalkamonguspodcast.comMUSIC: Longing For You by Moments As I Dream by Moments Beyond The Bridge by Caleb Etheridge Blade Edge by Cody Martin Cain by Cody Martin Dragonsilk by Cody Martin Frontier by Cody Martin Harbinger by Cody Martin Loaves & Fish by Cody Martin Rhosphere by Cody Martin Sabotage by Cody Martin Snowdrift by Cody Martin Rising Sun by Colossus Count Backwards From 10 by Glasseyes Enigma by Hill Greaser by JB Good Fallen Sky by Moments Onward by Chelsea McGough Sleep by Stephen Keech Allied by Wicked Cinema Leatherface by Wicked Cinema No Escape by Wicked Cinema SOCIAL MEDIA: https://linktr.ee/TheyWalkAmongUsSupport this show http://supporter.acast.com/theywalkamongus. Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Culture Eats Everything podcast, Tom and Nicole discussed recent flooding situations in Wisconsin and compared them to experiences in other states, while sharing their backgrounds in senior care and leadership roles. They explored the importance of authentic leadership and vulnerability, particularly during crises, with Nicole sharing examples from her experience as CEO of Cedar Community and her broadcasting background. The conversation concluded with discussions about leadership challenges, transparency, and future plans for collaboration at the Leading Age conference.Click here to buy our book:

In this episode of the Culture Eats Everything podcast, Tom and Matt shared their experiences and perspectives on teaching and education leadership, discussing their personal journeys and the challenges of small-town life. They explored topics including the importance of kindness and directness in teaching, the evolution of Matt's teaching approach, and the role of leadership in creating positive school cultures. The conversation concluded with discussions about organizational culture, collaboration, and the evolving nature of educational leadership, including plans for future video projects and sharing educational practices.Click here to buy our book:

In this episode of the Culture Eats Everything podcast, Host Tom Willis sits down with former superintendent Dan Cox, who opens up about the hidden pressures school leaders face.

Retail NZ is criticising the Commerce Commission's regulatory change to card payment fees. The Commission today announced new regulations on interchange fees, reducing charges to businesses for taking Visa and Mastercard payments. Retail NZ Chief Executive Carolyn Young says it's a complex issue - and these changes won't address everything. "This is one part of the merchant service fee, there's about 5 or 6 fees depending on how you structure your payment portfolio that may cut the merchant service fee. The Commerce Commission has said they won't get that fee down to one percent maximum." LISTEN ABOVESee omnystudio.com/listener for privacy information.

In this episode, IPA's Ben Jackson speaks with Brian Tate, CEO of the Innovative Payments Association, about what's happening in payments regulation in Washington and beyond. They discuss:  The stablecoin bills moving through Congress,  The executive order on phasing out checks for government payments,  Illinois's delay of its Interchange law effective date.  This episode was recorded on June 18, 2025. Please note that developments may have occurred since then.  Additional Resources:  IPA Summer of Learning Webinar Series  IPA Compliance Boot Camp – September in Chicago  Stay tuned for future episodes and don't forget to subscribe! 

In this powerful episode of Culture Eats Everything , Tom sits down with Kathy Martin, CEO of Glenmeadow in Massachusetts. Kathy shares how lessons from field hockey shaped her leadership journey, the difference between reacting and responding, and how leaders must move beyond their “default success strategy.” She also reveals how Glenmeadow is redefining aging—not as a decline, but as a vibrant phase full of growth and potential. A must-listen for aspiring leaders and anyone rethinking what it means to grow older with purpose.

Town Manager Terry Rozema sits down with Public Works Director Fausto Burruel to discuss the backups on Interstate-10 at Tangerine Interchange, the plans for improvements, and the Town's relationships with Arizona Department of Transportation and Union Pacific Railroad.Resources:Contact Arizona Department of Transportation.Contact the Union Pacific Railroad.View the Town of Marana Capital Improvement Projects Dashboard.

In this episode of the Culture Eats Everything podcast, Tom sit down with Monica Schroeder, Deputy Superintendent of Northshore School District 112. Monica shares her inspiring journey, how she advocated for herself as a Latina female leader, and the power of intentional succession planning.If you're a school board member, aspiring superintendent, or anyone passionate about leadership, culture, and education, this conversation is packed with lessons on advocacy, resilience, and driving positive change.

ATLP Rewind - Originally Released April 1, 2023Welcome to another dimmension, where Joe Mammay is the host of Around The Layout and is interviewing Ray Arnott. Come along as we hear about Ray's start in model railroading, from a TYCO set to an attempt at N scale. Ray tells us how the prototype led him back to the hobby, and how joining a club introduced him to his mentor who helped open his eyes to the concept of operations.Thank you to Joe Mammay who did an outstanding job hosting this April Fools edition of Around The Layout. We hope you enjoy!Learn more about this episode on our website:aroundthelayout.com/rewindThank you to our episode sponsor, Oak Hill Model Railroad Track Supply:https://ohrtracksupply.com/Thank you to our episode sponsor, Tully Models:https://tullymodels.com

They called the film Avengers: Infinity War the most ambitious crossover event in history. We can't quite make the same claim, but at Wood Mackenzie's 2025 Solar and Energy Storage Summit, we did record a crossover episode. Sylvia Leyva Martinez, Wood Mackenz's principal analyst for solar power and host of Interchange Recharged, is joined by Ed Crooks, host of Energy Gang, to discuss the future of energy, and of the electricity grid in particular.They are joined by Rob Chapman, Senior Vice President of Energy Delivery and Customer Solutions at the non-profit research group EPRI, the Electric Power Research Institute, which aims to help power society toward a reliable, affordable, and resilient energy future. Rob talks about a key theme in his work: the importance of flexibility on the electricity grid. Increased reliance on solar and wind power has created challenges in keeping the grid balanced and the lights on. Surging demand for electricity for new data centres to train and run AI models is giving rise to a whole new set of issues. More flexible demand and supply on the grid is increasingly valuable. But where can it come from?Data centres don't usually offer a lot of flexibility in their operations. People want to use ChatGPT and watch Netflix even at night and when the wind is low. So what can the hyperscalers do to create flexibility? Are virtual power plants an effective option? And how can the energy industry improve collaboration to find solutions that promote the clean energy transition while keeping prices down?You can find Energy Gang wherever you get your podcasts, and follow Interchange Recharged with Sylvia Leyva Martinez for deep dives into the innovations that are accelerating the energy transition.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

There are a handful of people in the clean energy and infrastructure world whose knowledge and voices serve as guiding lights. Shayle Kann is one of those people. Known for his deep expertise, unique perspective, and distinct voice, Shayle has covered and shaped the energy transition for years.While regular listeners will know, we typically feature startup founders. But Shayle's long-standing influence—from GTM and The Interchange to EIP and Catalyst—made it a true pleasure to turn the mic around.This episode, recorded in front of a live, sold-out audience at SF Climate Week, marked Shayle's first time as our guest, though he's no stranger to the show. For the first few years of Watt It Takes, starting in 2017, when every episode was recorded in front of a live audience, Shayle would kick off each conversation by setting the industry context and introducing our guest.In this episode, we trace Shayle's journey, starting with his roots in Madison, Wisconsin, and share how his entrepreneurial spirit and compelling storytelling abilities have been instrumental in his rise as a leader.On a personal note, I've known Shayle for nearly a decade. He has been a colleague and a friend, and I'm excited for him to tell his story.SponsorsThis live recording, and this next season of Watt It Takes, is brought to you by our lead sponsor, HSBC Innovation Banking who is proud to bank some of the most exciting companies pioneering the technologies of tomorrow.With specialist financing support, deep understanding of the challenges, and a global network across more than 50 markets, they help clients scale breakthrough innovations, and take them to the world.So, if you're looking for early-stage funding, or well on your way to FOAK, click the link in the show notes to learn how HSBC Innovation Banking can help on the next stage of your journey.About Powerhouse Innovation and Powerhouse Ventures Powerhouse Innovation is a leading consulting firm connecting top-tier corporations and investors, including corporate innovation teams, CVCs, and pensions with cutting-edge technologies and startups that meet their specific criteria for engagement. Powerhouse Ventures backs entrepreneurs building the digital infrastructure for rapid decarbonization. To hear more stories of founders building our climate positive future, hit the “subscribe” button and leave us a review.

They called the film Avengers: Infinity War the most ambitious crossover event in history. We can't quite make the same claim, but at Wood Mackenzie's 2025 Solar and Energy Storage Summit, we did record a crossover episode. Ed Crooks, host of Energy Gang, is joined by Sylvia Leyva Martinez, Wood Mackenz's principal analyst for solar power and host of Interchange Recharged, to discuss the future of energy, and of the electricity grid in particular.They are joined by Rob Chapman, Senior Vice President of Energy Delivery and Customer Solutions at the non-profit research group EPRI, the Electric Power Research Institute, which aims to help power society toward a reliable, affordable, and resilient energy future. Rob talks about a key theme in his work: the importance of flexibility on the electricity grid. Increased reliance on solar and wind power has created challenges in keeping the grid balanced and the lights on. Surging demand for electricity for new data centres to train and run AI models is giving rise to a whole new set of issues. More flexible demand and supply on the grid is increasingly valuable. But where can it come from?Data centres don't usually offer a lot of flexibility in their operations. People want to use ChatGPT and watch Netflix even at night and when the wind is low. So what can the hyperscalers do to create flexibility? Are virtual power plants an effective option? And how can the energy industry improve collaboration to find solutions that promote the clean energy transition while keeping prices down?You can find Energy Gang wherever you get your podcasts, and follow Interchange Recharged with Sylvia Leyva Martinez for deep dives into the innovations that are accelerating the energy transition.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In Part 1 of this two-part series on succession planning, Michael Lubelfeld, Superintendent of Northshore School District 112, joins the Culture Eats Everything podcast. He reflects on his leadership journey, the intentional planning behind his upcoming retirement, and how he and Deputy Superintendent Monica Schroeder are working together to ensure a seamless leadership transition. A candid conversation filled with lessons on legacy, communication, and the power of thoughtful planning.Click here to buy our book:

April 4, 2025 - "The leaves, like women, interchange (987)" by Emily Dickinson, read by Tabitha Biracree by The Desmond-Fish Public Library & The Highlands Current, hosted by Ryan Biracree

In this episode of Culture Eats Everything Podcast, Jim Van Allan, President of The Energy Bus for Schools, shares powerful insights on leadership, engagement, and fostering positive cultures. With a PhD in educational leadership, he discusses the crossover between building successful schools and thriving organizations. Tune in to discover actionable strategies to energize your culture, whether in education or business!Click here to buy our book:

Glen recaps an action-packed Government Affairs Conference, featuring our annual interview with America's Credit Unions' Economics Team on the coming year's outlook. An “existential threat” to the industry's income tax exemption headlined a packed agenda, but the CFPB, NCUA and interchange legislation were also on the menu- not to mention tariff whiplash and market uncertainty.       Links related to this episode:   America's Credit Unions' Monthly Economic Updates: https://www.americascreditunions.org/data-tools/economic-data-bank-comparisons/economic-update-video-archive   The Don't Tax My Credit Union Advocacy/Resource page: https://www.donttaxmycreditunion.org/ CrossState CUA's explanation of why credit unions offer better rates: https://www.crossstate.org/about/communications/blog/why-do-credit-unions-have-better-rates/ Glen's blog covering the GAC's key takeaways:   Join us for our next CU Town Hall- Wednesday March 12 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. This session will focus on a discussion of key takeaways from the Governmental Affairs Conference.  The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/  Signing up for the Town Hall also earns you a card for our Bingo game tracking 2025 industry predictions.  Find out more here: https://www.big-fintech.com/Media?p=did-you-have-that-one-on-your-bingo-card   Join us on Bluesky!  @bigfintech.bsky.social  @154advisors.bsky.social (Glen) @jbfintech.bsky.social (John) And connect on LinkedIn: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

We're going to talk swipe fees with the NRA's Brennan Duckett to update you on the status of the industry's national effort to push back on the Visa and Mastercard payments duopoly that is bleeding restaurant owners dry. And then we'll take a look at a national boycott of Target, Amazon and Walmart over their DEI practices and discuss whether they are an effective tool and should restaurant brands be nervous? We'll talk about those issues and wrap it up with the legislative scorecard.

Join us for an insightful conversation with Jamie LaLonde, CEO of Angela Hospice, on leadership growth, workplace culture, and transitioning from executive director to CEO. Learn how Jamie empowers her team, fosters a strong culture, and navigates the challenges of leadership. Don't miss this episode of Culture Eats Everything!

Chris Wilson, Springville City Engineer discusses the progress on the Dry Creek Parkway and I-15 Interchange (previously known as 1600 S.) with Project Engineer, Tyrel Edwards from UDOT. 

Several provisions in the state's latest budget proposal could leave the Indiana Historical Society without a building. A $3 million project is underway to improve Tarkington Park, just west of the State Fairgrounds. Pharmaceutical giant Eli Lilly announced Wednesday that it plans to invest roughly $27 billion in United States manufacturing. ClearPath465, a project that began in 2022, aims to make the I-465 and I-69 interchange safer and alleviate congestion for drivers on the north east side. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Drew Daudelin, Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

Brian Baum is the president & CEO of Interchange Capital Partners a family business advisory firm in Pittsburgh, PA. Brian is himself the second-generation in a business his father founded and where they work closely together. That means he's seen and addressed firsthand the uniqueness of guiding family business owners and operators on their path to the future. We talked business, we talked family, we talked sports, and we talked about thoughtful disagreement and healthy conflict within family business. (We did ALL that without conflict ourselves.) I trust you will enjoy Brian's wisdom and drive. If this is a good listen while all on a drive, all the better. Wherever and whenever you listen, please enjoy episode #63 of GENeration EXcellence with Brian Baum. Interchange Capital Partners website https://www.interchangecp.com/

Glen speaks with NACUSO's Interim CEO- and serial CUSO founder- Miriam Ackerman about plans for the group's Reimagine conference this April in Las Vegas, including a juiced up Next Big Idea competition. Also- a quick summary of the busiest credit union news week in recent memory.    Links related to this episode:   NACUSO's Reimagine Conference, April 14-17 in Las Vegas: https://www.reimaginenacuso.com/ The Next Big Idea competition: https://www.reimaginenacuso.com/next-big-idea-competition Bernie Sanders' press release about the new Senate Bill capping credit card interest rates at 10 percent: https://www.sanders.senate.gov/press-releases/news-sanders-hawley-introduce-bill-capping-credit-card-interest-rates-at-10/ CU Today's reporting on the latest twist in Illinois interchange legislation: https://www.cutoday.info/THE-boost/Federal-Judge-Expands-Injunction-Against-Illinois-Interchange-Law-To-Out-Of-State-Banks-Denies-Credit-Unions-Request CU Times' reporting on USAID-related layoffs at the World Council of Credit Unions: https://www.cutimes.com/2025/02/07/woccu-let-go-over-half-of-its-employees-due-to-usaid-freeze/ Former FDIC Chair Sheila Bair's Washington Post op-ed calling for the elimination of credit unions' tax exemption: https://www.washingtonpost.com/opinions/2025/02/03/credit-unions-tax-subsidies-bair/ Glen's blog on 2025's credit union Bingo card:   Join us for our next CU Town Hall- Wednesday February 12 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. Industry developments keep coming fast and furious- the CU Town Hall is the place to make sense of these items together. It's free to attend, but advance registration is required:  https://www.cutownhall.com/  Find us on BlueSky at @bigfintech, @jbfintech and @154Advisors You can also follow us on LinkedIn: https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

What can improv teach us about leadership? In this episode of the Culture Eats Everything podcast, host Tom interviews Joel Zeff, author of Make the Right Choice, to explore how improv can elevate leadership, boost team engagement, and create a culture of fun.

In this episode, James Shepherd sits down with payments expert Kyle Morgan to break down the complexities of interchange and uncover the latest pricing tactics used to increase margins. From hidden fees to interchange padding and optimization, this discussion sheds light on how processing costs are structured and what ISOs and agents need to know. Whether you're new to interchange or looking for advanced insights, this episode is packed with valuable information. Plus, Patti Murphy provides an update on Visa Direct's push for instant payments.

Thanks to Pranav for suggesting this week's massive topic! Further reading: When did the Isthmus of Panama form between North and South America? Florida fossil porcupine solves a prickly dilemma 10-million years in the making Evidence for butchery of giant armadillo-like mammals in Argentina 21,000 years ago Glyptodonts were big armored mammals: The porcupine, our big pointy friend: Show transcript: Welcome to Strange Animals Podcast. I'm your host, Kate Shaw. This week, at long last, we're going to learn about the great American interchange, also called the great American biotic interchange. Pranav suggested this topic ages ago, and I've been wanting to cover it ever since but never have gotten around to it until now. While this episode finishes off 2024 for us, it's the start of a new series I have planned for 2025, where every so often we'll learn about the animals of a particular place, either a modern country or a particular time in history for a whole continent. These days, North and South America are linked by a narrow landmass generally referred to as Central America. At its narrowest point, Central America is only about 51 miles wide, or 82 km. That's where the Panama Canal was built so that ships could get from the Atlantic Ocean to the Pacific and vice versa without having to go all around South America. It wasn't all that long ago, geologically speaking, that North and South America were completely separated, and they had been separated for millions of years. South America was part of the supercontinent Gondwana, while North America was part of the supercontinent Laurasia. We've talked about continental drift before, which basically means that the land we know and love on the earth today moves very, very slowly over the years. The earth's crust, whether it's underwater or above water, is separated into what are called continental plates, or tectonic plates. You can think of them as gigantic pieces of a broken slab of rock, all of the pieces resting on a big pile of really dense jelly. The jelly in this case is molten rock that's moving because of its own heat and the rotation of the earth and lots of other forces. Sometimes two pieces of the slab meet and crunch together, which forms mountains as the land is forced upward, while sometimes two pieces tear apart, which forms deep rift lakes and eventually oceans. All this movement happens incredibly slowly from a human's point of view--like, your fingernails grow faster than most continental plates move. But even if a plate only moves 5 millimeters a year, after a million years it's traveled 5 kilometers. Anyway, the supercontinent Gondwana was made up of plates that are now South America, Africa, Australia, Antarctica, and a few others. You can see how the east coast of South America fits up against the west coast of Africa like two puzzle pieces. Gondwana actually formed around 800 million years ago, then became part of the even bigger supercontinent Pangaea, and when Pangaea broke apart around 200 million years ago, Gondwana and Laurasia were completely separate. North America was part of Laurasia. But Gondwana continued to break apart. Africa and Australia traveled far away from South America as molten lava filled the rift areas and helped push the plates apart, forming the South Atlantic Ocean. Antarctica settled onto the south pole and India traveled past Africa until it crashed into Eurasia. By about 30 million years ago, South America was a gigantic island. It's easy to think that all this happened just like taking puzzle pieces apart, but it was an incredibly long, complicated process that we don't fully understand. To explain just how complicated it is, let's talk for a moment about marsupials. Marsupials are mammals that are born very early and finish developing outside of the mother's womb, usually in a special pouch. Kangaroos, wallabies, koalas, wombats, and Tasmanian devils are all marsupials, and all from Australia.

In today's episode, we start off by interviewing Jennifer May, the "Payment Princess" and discuss how she has built a personal portfolio of 3,500+ merchant accounts and is still growing. Then Patti Murphy joins us to discuss the most recent attempts to regulate interchange and the hearings on the hill that brought senators from both sides of the isle together, in opposition to the current interchange pricing structure.

Jon Kol is the co-founder of Hyperlane, an interoperability protocol. In this episode, Kol and Chaparro discuss the challenges and progress of blockchain interoperability, and how the industry may now be turning a corner. OUTLINE 00:00 Introduction 04:24 A year away 08:50 Interchange singularity 10:30 Bridge opportunities 13:32 Balancing speed and security 18:35 Poor UX, Poor DevX 20:11 Who's the buyer? 26:52 Conclusion This episode is brought to you by our sponsor Polkadot Polkadot is the blockspace ecosystem for boundless innovation. To discover more, head to polkadot.network This episode is brought to you by our sponsor Bitkey Bitkey is the safe, easy way to own and manage bitcoin. Learn more at Bitkey.world The Block Community The Block is launching a new community experience for fans of The Scoop! Follow us on Lens to stay in the loop: hey.xyz/u/theblockcommunity The Block Newsletters The Block's newsletters bring you the latest news and analysis of the fast-moving crypto and DeFi markets. To subscribe, visit theblock.co/newsletters GUEST LINKS Jon Kol - https://www.linkedin.com/in/jon-kol-4bb37a9b/ Jon Kol on X - https://x.com/thePalenimbus Hyperlane - https://hyperlane.xyz/ Hyperlane on X - https://x.com/hyperlane

In this episode of Culture Eats Everything, host Kevin sits down with Roger Blake, CEO of Merit Network, to discuss the transformative role of culture in leadership. Roger shares insights from his extensive career in telecommunications and cybersecurity and his nonprofit mission at Merit. They explore his journey, the importance of personal purpose, and the challenges of leading an organization dedicated to closing the digital divide. Roger reflects on the value of professional growth, authenticity, and the impact of storytelling in fostering a connected and inclusive society. Click here to buy our book : https://geni.us/the-great-engagement _____________________________ Roger Blake : https://www.linkedin.com/in/roger-blake/ _____________________________ Phoenix Performance Partners Website: https://www.phoenixperform.com/ Interchange: https://www.phoenixperform.com/interchange Culture Eats Everything Apple Podcasts: https://podcasts.apple.com/us/podcast/culture-eats-everything/id1526731051 Culture Eats Everything Spotify: https://open.spotify.com/show/1utf9dZh2PRQKxe6qg5I5M Kevin Davis: https://www.linkedin.com/in/kevinjohndavis/ Tom Willis: https://www.linkedin.com/in/thomasawillis/ Checkout our book: https://www.phoenixperform.com/book #cultureeatseverything

Homeowners are able to build equity when they pay their mortgages; renters don't have that benefit. A new program hopes to create a different type of incentive. Then, voters in Mesa County will decide on a big interchange project this election that contrasts philosophies and vision. Plus, what we can learn from the highest alpine garden in North America. And a spine-chilling story to get into the Halloween spirit! 

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.  

Can innovative new lithium extraction methods prevent a supply chain crisis?New lithium extraction methods are essential to meet the rising demand driven by EVs and grid storage. Traditional methods are time-consuming, geographically limited, and in some cases environmentally damaging. The concentration of lithium mines worldwide has implications for the supply chain; the fewer producers there are, the higher the likelihood of disruption. Lithium often travels tens of thousands of miles, so reducing these scope 3 emissions is critical. Xerion is a company who are trying to address this issue. John Busbee is Founder and CEO, and he chats to David about Xerion's development of new lithium extraction techniques.Xerion are also developing methods to create newer, more efficient batteries with the lithium they extract. Paul Braun is the Director of the Materials Research Laboratory, and Professor of Materials Science and Engineering at the University of Illinois. He also joins the show, and says there's no escaping lithium as a key component for EVs and batteries, so the question is how to mine it efficiently and with minimal environmental impact. New techniques in extraction and battery production promise to reduce CAPex by two-thirds and emissions by 40%. How do they do it? Can these technologies make clean energy more accessible and affordable? David finds out. The Interchange will be at the annual Solar & Energy Storage Summit in San Francisco from the 12th of June. We'll be recording some special shows from the event, with all the conversation and analysis on the solar sector in the US and beyond. Get your ticket at woodmac.com/events/solar-energy-storage-summitSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.