Podcast appearances and mentions of patti murphy

Merchant services has changed—and if you're still leading with rates and payment processing, you're already behind. In this episode, James sits down with Steve Trovillo, President of Cygnus Payments, to discuss why software, AI, and vertical specialization are redefining success for agents and ISOs. They explore how top-performing sales professionals are shifting from selling commodities to solving business problems, why merchants only use a fraction of the technology they already own, and how AI is accelerating software innovation faster than ever before. They also dive into building profitable portfolios, choosing the right verticals, improving merchant retention, and what the future holds for independent sales organizations. Plus, Patti Murphy covers the latest payments news, including X Money's launch, new fraud statistics, payment processor enforcement actions, and evolving Buy Now, Pay Later regulations.

In this episode of the Merchant Sales Podcast, James sits down with Mark Wagner, CEO of Disputifier, to discuss how new card brand initiatives like Mastercard's Scam Merchant Monitoring Program (SMMP) and Visa's VAMP are changing the way ISOs, acquirers, and merchants approach fraud prevention and chargeback management. Beyond breaking down the latest rule changes, they explore practical strategies for reducing disputes, improving the customer experience, and proactively protecting merchant portfolios before problems arise. Plus, Patti Murphy returns with Today in Payments, covering the Federal Reserve's latest payments data, the growing conversation around pay-by-bank, legislation surrounding the phaseout of the penny, the launch of the Linux Foundation's AI payment protocol, and other important developments shaping the future of the payments industry.

In this episode of the Merchant Sales Podcast, James sits down with payments industry veteran and consultant Ken Musante to explore how the payments ecosystem is evolving. From processor cost structures and software platforms to reseller programs, integrated banking, AI, and the growing influence of companies like Square, Stripe, and Clover, they discuss the trends reshaping the industry and what they mean for ISOs, agents, and payment providers. The conversation also covers the importance of specialization, continuous education, and choosing the right technology stack to stay competitive as software, payments, and banking become increasingly interconnected. Plus, Patti Murphy's Today in Payments segment breaks down Stripe's reported interest in PayPal, Fiserv's debit networks, Cash App's multi-state settlement, and Square's latest AI-powered commerce initiatives.

In this episode of the Merchant Sales Podcast, James Shepherd is joined by James Huber, Partner at Global Legal Law Firm, for a practical discussion on the legal and strategic decisions that shape a successful payments business. From ISV partnerships and embedded payments to raising capital, protecting residuals, negotiating investor agreements, and planning for acquisitions, they share real-world advice on avoiding costly mistakes while building long-term enterprise value. The conversation explores how to structure partnerships that survive acquisitions, why software ownership and distribution matter more than ever, how to evaluate financing options without giving away too much control, and what every growing ISO should consider before signing its next agreement. Plus, Patti Murphy's Today in Payments segment covers new Buy Now, Pay Later regulations, Stripe's push for direct payment infrastructure access, PayPal's surprising transaction growth, and the latest developments in cannabis payments.

In this episode of the Merchant Sales Podcast, James sits down with Ron Halversen, President of Clarity Ventures, to discuss what it really takes to win enterprise and B2B payment opportunities. From ERP integrations and payment automation to faster cash flow, operational efficiencies, and lower processing costs, Ron explains how ISOs can solve meaningful business problems instead of competing solely on price. The conversation explores why enterprise merchants buy on ROI, how integrations can unlock markets that were previously out of reach, and why understanding a merchant's workflow is often the key to closing larger, more profitable accounts. Plus, Patti Murphy's Today in Payments segment covers Europe's digital euro initiative, Deluxe's acquisition of Solero Commerce, Zelle's international expansion, and new surcharge legislation affecting the payments industry.

In this episode of the Merchant Sales Podcast, James sits down with Bob Lovinger, Founder and CEO of FlexxBuy and CEO of Coach Financing, to discuss why consumer financing remains one of the biggest untapped opportunities for agents, ISOs, and software providers. From coaching programs and professional services to home improvement and medical practices, Bob explains how financing can help merchants close more sales, increase average ticket sizes, and create a better customer experience. The conversation explores the evolution of buy now, pay later, the growing demand for financing in today's economy, how financing fits into the sales process, and why many merchants are missing revenue simply because they aren't offering enough payment flexibility. Plus, Patti Murphy's Today in Payments segment covers the proposed $38 billion Visa and Mastercard settlement, interchange transparency, AI-powered payments, remittance taxes, and emerging automation trends shaping the industry.

In this episode of the Merchant Sales Podcast, James sits down with Sebastian Builes Jinete, CEO of Arcum, to discuss how AI and payments data are transforming the way ISOs, acquirers, and processors manage their portfolios. From merchant activation and retention to win-back campaigns and partner monitoring, Sebastian shares how actionable intelligence can help organizations maximize revenue and make smarter decisions throughout the entire merchant lifecycle. The conversation also dives into the realities of entrepreneurship in the payments industry, including building a technology company, overcoming setbacks, finding product-market fit, and maintaining the conviction required to succeed. To learn more about Arcum, visit arcum.ai. Plus, Patti Murphy's Today in Payments segment covers stablecoin settlement, tokenized deposits, interchange legislation, and emerging payment innovations.

In this episode of the Merchant Sales Podcast, James sits down with Lane Gordon, CEO of 733Park, to discuss how AI is reshaping software, payments, and business valuations. From merchant portfolios and SaaS models to vertical software strategies and acquisition trends, Lane shares what buyers are looking for today—and what business owners should be thinking about if they hope to build long-term value. The conversation explores the future of AI-powered software, why payments revenue remains so attractive to investors, how verticalization creates defensible businesses, and what separates companies that command premium valuations from those that struggle to find buyers. Plus, Patti Murphy's Today in Payments segment covers interchange legislation, crypto ATMs, international remittance taxes, emerging payment preferences, and other trends shaping the industry.

Tap on Phone has been one of the most talked-about innovations in payments, but many agents still aren't offering it to merchants. In this episode of the Merchant Sales Podcast, James sits down with Vlad Sadovskiy, CEO of Netevia, to discuss why Tap on Phone is gaining momentum, the challenges behind bringing it to market, and how ISOs can use it to compete more effectively in a Square-dominated segment. They explore real-world use cases for salons, field service businesses, events, and mobile merchants, along with instant onboarding, funding innovations, and the growing importance of creating a seamless merchant experience across devices. Plus, Patti Murphy's Today in Payments segment covers fintech access to payment rails, stablecoin developments, fraud prevention initiatives, Mastercard's latest merchant risk tools, and new same-store sales data from across the economy.

Traditional ISO models often leave agents waiting on approvals, relying on multiple systems, and giving up control throughout the merchant lifecycle. In this episode of the Merchant Sales Podcast, James sits down with Simon Kemp to discuss the growing opportunity around PayFac for ISOs and how new models are helping bridge the gap between traditional ISO relationships and full payment facilitation. They break down faster onboarding, real-time transaction visibility, AI-driven underwriting, gateway ownership, and why giving ISOs more control could fundamentally change the way payments businesses scale. Plus, Patti Murphy's Today in Payments segment covers interchange legislation, AI trends, software provider complexity, and major shifts impacting the industry.

ACH has long been a frustrating part of payments — slow settlement, complex onboarding, and limited control. In this episode of the Merchant Sales Podcast, James Shepherd sits down with Will Messina, CEO of GrailPay, to break down how modern infrastructure is transforming ACH. They discuss why legacy ACH has struggled for decades, how better risk modeling enables faster funding, and what it takes to create a seamless experience for agents, ISOs, and merchants. The episode also features Patti Murphy's Today in Payments segment, covering Walmart's AI checkout results, new interchange legislation, Klarna's growth, and Mastercard's move into stablecoins. If you're an agent or ISO looking to improve cash flow, reduce risk, and stay competitive, this episode is a must-listen.

In this episode of the Merchant Sales Podcast, James Shepherd talks with Satheesh Kanchi, founder and CEO of OneHubPOS, about the growing opportunity for ISOs and agents to offer a processor-agnostic, white-label POS solution. They discuss how OneHub is approaching restaurant and specialty retail verticals, what makes a unified POS platform different from fragmented app-based systems, and why flexibility matters for agents looking to build their own brand in a competitive market. The episode also features Patti Murphy's Today in Payments segment, covering retail sales growth, buy now, pay later adoption, payment processing expansion, and Brinks' acquisition of NCR Atleos' ATM business. If you're an ISO or agent looking for new ways to create value and expand beyond traditional processing, this episode highlights a compelling path forward.

In this episode of the Merchant Sales Podcast, James Shepherd explores some of the biggest developments shaping the payments landscape today. He discusses the rapid growth of digital wallets like Apple Pay, increasing merchant acceptance of cryptocurrency, and new payment frameworks emerging for cross-border transactions. He also highlights an important reality in payments: technology may evolve quickly, but consumer adoption often takes much longer. The episode also features Patti Murphy's Today in Payments segment, covering key industry updates including mobile wallet usage trends, crypto adoption among merchants, new cross-border payment initiatives from SWIFT, and Elon Musk's plans for the upcoming X Money financial super app.

High-risk merchants represent one of the biggest, and most misunderstood, opportunities in merchant services. In this episode of the Merchant Sales Podcast, James Shepherd speaks with Julie Franke, owner of Electronic Merchant Services, about what really defines a high-risk merchant account and how agents can succeed in this specialized segment of the industry. They break down the different types of high-risk classifications, the role of sponsor banks, and why chargebacks, reputation risk, and business structure all impact how accounts are approved. Julie also shares practical strategies for agents looking to enter the high-risk space, including why focusing on a specific vertical is critical, how to manage volume caps and reserves, and where successful agents are actually finding these merchants. Plus, Patti Murphy's Today in Payments segment covers buy now, pay later regulation, card spending trends, RTP growth, and other key developments shaping the payments industry. If you're looking for new opportunities beyond traditional merchant accounts, this episode explains how high-risk processing can become a powerful niche.

The payments industry is shifting, and for ISOs, the future increasingly belongs to software. In this episode of the Merchant Sales Podcast, James Shepherd sits down with David Robinson, CEO of MyDevTeam, to discuss how payment companies and agents can transition from traditional processing models into software-driven businesses. They break down what it really takes to build technology, how ISOs can identify opportunities within their merchant base, and why vertical software and integrated solutions are becoming essential for long-term growth. They also explore the realities of software development, common misconceptions about AI, investment expectations, and the massive valuation upside of becoming a technology-driven organization. Plus, Patti Murphy's Today in Payments segment covers buy now, pay later trends, surcharging debates, ATM fraud, and major industry developments impacting merchants and payment professionals. If you want to understand where merchant services is headed, and how to stay competitive, this episode is a must-listen.

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.

In this episode, we revisit a conversation between Patti Murphy and FDNY Lt Matt Connor covering the Equitable Building fire on January 9th, 1912.  This event tested the courage and skill of the FDNY in some of the most extreme conditions.  The 10-story building at 120 Broadway in Lower Manhattan was considered “fireproof.” In reality, it was cast iron, full of combustible materials, and lacked automatic fire protection. A discarded match in the basement sparked a fire that quickly spread through open elevator shafts and stairways. FDNY members battled frigid temperatures, high winds, and ice. Six people lost their lives, including Battalion Chief William J. Walsh, who was killed when part of the building collapsed. Despite the danger, firefighters performed several dramatic rescues. The fire led to significant reforms in firefighting, from zoning resolutions and high-pressure hydrants to operational changes. Most notably, it inspired the creation of Rescue Company 1 in March 1915, which quickly fielded Draeger smoke helmets—providing the first rescue company in the United States with a breathing apparatus. The Equitable Building was rebuilt with a steel frame, completed in 1915, and became the largest office building in the world by floor area for a time. Over the past century, it has housed countless commercial tenants, standing as a testament to American resilience and ingenuity. In just a few weeks, FDNY members will return to the Equitable Building for an exercise testing next-generation Self-Contained Breathing Apparatus. Ascending from the lobby to the upper floors in full gear and on air, they'll connect the storied past of the FDNY with the fire service's readiness for the future.  This episode originally aired January 13th,  2022. 

Real-time payments are already transforming how money moves, but most payment professionals still don't understand the opportunity. In this episode of the Merchant Sales Podcast, James Shepherd and Patti Murphy sit down with Jim Colassano, Senior Vice President at The Clearing House, to break down the RTP (Real-Time Payments) network and why instant money movement could reshape merchant settlement, cash flow, disbursements, and business payments. They discuss how payments can settle in seconds, why adoption is accelerating, and what ISOs and processors need to do now to stay competitive. The episode also includes a Today in Payments segment with Patti Murphy covering major industry news, including interchange legislation, consumer spending trends, digital wallet adoption, and emerging payment innovations. If you're a merchant sales agent, ISO owner, or payments professional, this episode will help you understand one of the biggest infrastructure shifts happening in the payments industry today.

Where is the payments industry really headed as we move toward 2026? In this episode of the Merchant Sales Podcast, James Shepherd sits down with Greg Myers, host of the Leaders in Payments podcast, to break down the biggest trends payments leaders are watching—from AI and agentic commerce to embedded finance and evolving ISO strategies. The conversation cuts through the hype to focus on what's actually changing, what's moving slower than expected, and where merchant sales agents still have a major advantage. The episode also features a Today in Payments segment with Patti Murphy, covering key industry data and headlines, including ACH growth, crypto adoption, system outages, and emerging payment risks. If you're an agent or ISO looking to stay ahead of where payments, software, and finance are converging, this episode delivers the insight you need.

In this week's episode, James sits down with Ben Ross of Green PayTech for a candid discussion on what it really takes to build and scale a payments business in today's market. They dig into partnership strategy, technology alignment, and why integrated payments are no longer optional for anyone serious about long-term growth. Later in the episode, Patti Murphy returns with Today in Payments, covering major developments at the Fed, updates on the Credit Card Competition Act, RTP expansion, and other industry shifts every payments professional should be watching.

Payroll is one of the most overlooked revenue opportunities for payment professionals. In this episode, James Shepherd talks with Evan Perdikouris, President of Nexroll, about how payroll fits naturally alongside payments and how agents can generate new residual income without becoming payroll experts. They break down the economics, the best merchant targets, and simple referral strategies that deepen relationships and increase stickiness. Plus, Patti Murphy joins James for the latest Today in Payments segment, covering key industry updates you need to know. If you're looking to expand beyond processing and add a high-value service your merchants already need, this episode will show you how to get started.

As the payments industry looks toward 2026, many agents and ISOs are realizing the traditional agent model is under pressure. In this episode, James Shepherd sits down with Keith Sampson for an honest conversation about burnout, goal setting, and why chasing high splits often leads to unsustainable businesses. Keith shares lessons from building and exiting companies, navigating personal and professional burnout, and rethinking how payments fits into a larger long-term strategy. Together, they break down why the agent model is changing, how to think differently about referral versus dealer structures, and what it really takes to build lasting wealth in today's integrated payments landscape. The episode also includes a Today in Payments segment with Patti Murphy, covering timely industry news and updates not included in this interview.

In this week's episode of the Merchant Sales Podcast, James Shepherd sits down with Juan Ortiz for a motivating and strategy-packed conversation on setting goals for 2026 and choosing the right vertical. Juan shares practical guidance for agents and ISOs on how to focus, niche down, and build a plan that actually drives measurable growth in the coming year. Together, they dig into the challenges reps face today and the mindset shifts needed to win in an increasingly verticalized payments landscape. After the interview, James and Patti Murphy bring you another Today in Payments update, offering a quick look at what's happening across the industry right now.

In this week's episode, James Shepherd sits down with Allen Kopelman, CEO of Nationwide Payment Systems and host of the B2B Vault podcast, for a wide-ranging discussion on the biggest shifts reshaping merchant services today. From the Visa/Mastercard settlement and VAMP chargeback rules to the growing pressure on ISOs to own their tech stack, Allen shares what he's seeing firsthand — and why agents must rethink how they sell, support, and position technology to compete in 2026 and beyond. They break down the rise of processor-agnostic software, the future of hardware, the growing push for ISOs to streamline onboarding with automated funnels, and how agents can stay relevant by focusing on the right verticals, the right partners, and the right products. After the interview, James and Patti Murphy dive into a new Today in Payments, breaking down fresh data on holiday spending, the continued rise of Buy Now, Pay Later, and the growing momentum behind real-time payments like RTP and FedNow—and how they compare to legacy ACH rails.

In this week's episode of the Merchant Sales Podcast, James Shepherd welcomes back Steven Morris for a direct and practical conversation about the mistakes agents commonly make when entering the merchant services industry. Steven shares real-world insights from the front lines, what slows agents down, what causes deals to fall through, and how new reps can build a stronger foundation for long-term success. After the interview, James and Patti Murphy team up for another insightful Today in Payments, covering the latest headlines and shifts shaping the payments landscape.

In this episode, James Shepherd delivers a straightforward, easy-to-understand explanation of what credit card processing is and how it works, from the basics of authorization and settlement to the role of processors, acquirers, and merchant accounts. Whether you're new to payments or need a refresher, this is the perfect foundational guide to help you understand the moving parts behind every transaction and how they connect to merchant sales. After the lesson, stick around for Today in Payments with Patti Murphy, where James and Patti cover the latest industry headlines.

In this week's episode of the Merchant Sales Podcast, James Shepherd shares a replay from a recent live event with partners at TCG, diving deep into today's high-risk landscape—and why VAMP is creating massive disruption for Shopify merchants. James breaks down what high-risk accounts really are, how VAMP is triggering holds and shutdowns across Shopify, and why this shift is driving a surge of merchants urgently seeking new processing options. You'll also hear insights on how agents and ISOs can capture these opportunities by leveraging the Full Stack Payments app in partnership with TCG. After the replay, stick around for Today in Payments with James and Patti Murphy as they unpack the latest industry headlines, including major developments around the Visa–Mastercard settlement and other news shaping the week.

This week on the Merchant Sales Podcast, James Shepherd revisits a topic many thought was long gone — leasing. With today's advanced and often expensive POS hardware, leasing is once again becoming a smart tool for ISOs and agents to close deals and increase adoption. James sits down with Robert Ensminger to discuss modern leasing strategies, real-world use cases, and how to position leasing as part of a profitable merchant services offering. They break down what's changed, what still works, and how agents can use leasing to drive portfolio growth. After the interview, James and Patti Murphy tackle this week's top headlines in their Today in Payments segment. Check out the latest blog post from Today in Payments: https://todayinpayments.com/blog/ai-bnpl-and-the-future-of-payments

Don't miss the replay of our live event where James Shepherd, Jon Shirey, and Gabe Pinchev introduced a powerful new opportunity for agents and ISOs: reselling FieldPulse through the Full Stack Payments app. You'll see how FieldPulse helps contractors in industries like HVAC, plumbing, and electrical manage scheduling, invoicing, and payments—all in one simple platform. With full dual pricing support and a native QuickBooks integration, it's a complete solution for busy service businesses. We also covered how to position FieldPulse with prospects, set demos, and grow long-term residuals through the Full Stack ecosystem. If you're looking to break into the trades and boost your portfolio, this is a must-watch. Also, don't miss the latest Today in Payments episode with Patti Murphy. Check out the blog post here: https://todayinpayments.com/blog/rtp-growth-aws-disruptions-and-a-mobile-wallet-showdown

Don't miss the replay of our live event where James Shepherd, Jon Shirey, and Ben Shirey introduced Stackably—a new brand built to help agents win and retain more merchant accounts. You'll get a first look at Payment Stack, a simple, all-in-one solution with free hardware, software, dual pricing, and native apps for both merchants and their customers. It's the first of many feature sets designed to help agents grow long-term, high-value residuals. Then, Patti Murphy joins James for Today in Payments with insights on the latest updates in the industry. Plus, Rich Norton shares some sales tips. If you're ready to reduce churn and strengthen your portfolio, this is a must-watch.

Stablecoin is more than hype—it's creating real opportunities in high-risk and e-commerce. In this episode, James Shepherd sits down with Stan Pacovsky of Payment Servers to explore how stablecoin payments are being applied today and what the future could look like. Then, Patti Murphy joins James for Today in Payments with insights on the latest industry shifts, including changes in B2B transactions and new data on surcharging. Plus, Rich Norton returns to share practical strategies for selling integrated payments and POS solutions—can you still close the deal in one call? Don't forget: Join James on Monday, September 29th at 4PM EST for the official Stackably launch event. Get an exclusive demo of the Full Stack Payments app and the first “Payment Stack” feature set. Register now at ccsalespro.com/stack. Check out this week's episode of Today in Payments: https://todayinpayments.com/blog/the-debit-divide-courts-cards-and-change

Integrated payments are reshaping the industry, but success looks very different depending on whether you're an ISV or an ISO. This week, James Shepherd sits down with Ashley Willson, a consultant who works with both software companies and ISOs, to share her unique perspective on the challenges and opportunities in integrated payments. With experience on both sides of the equation, Ashley offers practical insights into where the market is headed and how to navigate it. Then, Patti Murphy joins James for Today in Payments to cover the latest industry trends, including new statistics on surcharging programs and what they mean for the future.

Consumer financing has become a critical offering for merchants—and an opportunity for ISOs, agents, and ISVs to differentiate. In this week's episode, James Shepherd interviews Bob Lovinger from FlexBuy to explore their white label consumer financing solution and recent acquisition of Koalafi's coaching finance division. Learn how FlexBuy helps merchants provide access to capital, increase conversions, and strengthen customer loyalty. Then, in Today in Payments, James and Patti Murphy discuss the results of a recent survey showing merchants' strong demand for access to capital from their payment providers—sometimes enough to switch processors. They also cover other timely stories shaping the payments landscape.

What does it really take to build an ISO capable of boarding 600+ new merchant accounts every month? In this week's episode, James Shepherd sits down with Dustin Magaziner of PayBright to explore the strategies, systems, and mindset behind scaling an ISO to that level. From operational challenges to growth tactics, Dustin shares a behind-the-scenes look at what's working today in the industry. Then, James is joined by Patti Murphy for Today in Payments, where they unpack the latest stories shaping the future of payments—including updates on interchange regulation and surcharging.

Ever wondered what it takes to move from a retail ISO to a wholesale ISO—or what a Payfac actually is? In this week's episode, James Shepherd sits down with Kyle Morgan to unpack the mechanics of payments behind the scenes. Learn why faster funding for merchants comes at a cost, how the flow of funds works, and the differences between wholesale ISOs and Payfacs. Then, James is joined by Patti Murphy for Today in Payments, where they cover the latest updates from some of the biggest players in the industry and what's working (and not working) in their approach to payments.

It is no secret that ISOs are looking for integrated payments partnerships, while ISVs want access to payments industry distribution, but so far, these partnerships have not lived up to the hype. In this week's episode, James Shepherd shares the 6 reasons why ISOs and ISVs have not worked well together so far and what both sides can do about it. Then, James is joined by Patti Murphy for a Today in Payments segment covering the latest news and trends shaping the payments industry.

As stablecoins gain traction, it's time to revisit the role of Bitcoin in the payments industry. This week, James Shepherd and Patti Murphy sit down with Jason Keil of Polaris Payments for a timely conversation about where Bitcoin is headed, how new legislation could influence adoption, and what payment professionals should expect over the next 12 to 24 months. Then, Rich Norton shares some quick sales tips from the field, and Patti returns with a Today in Payments segment covering the rise of real-time payments—despite a few technical hiccups!

High-risk merchant accounts are one of the most challenging areas in payments. In this week's episode, James Shepherd interviews Jerry Gialanella from Fort Point Payments to break down what it really takes to get high-risk deals approved, the pitfalls to avoid, and how their team gets it done. Afterward, Rich Norton shares actionable sales tips from the field, and Patti Murphy joins James for Today in Payments to discuss major industry shifts—from stablecoin developments and Bitcoin trends to PayPal's latest moves and the GENIUS Act.

What's it really like for a vertical software company to integrate payments? In this week's episode, James Shepherd sits down with Derek Henmi, founder of Vino—a platform built specifically for wineries and a partner of Full Stack Payments. They discuss the realities of software development, integrating with Dejavoo, and navigating the world of payments from an ISV's perspective. If you want to understand what software companies truly face when embedding payments, this episode is a must-listen. Then, Rich Norton shares practical sales tips from the field, and Patti Murphy joins James for a powerful Today in Payments segment focused on interchange regulation, surcharging, and other hot-button industry topics.

Chargebacks are evolving—and if you're selling merchant services, underwriting accounts, or handling compliance, you need to be ahead of the curve. In this episode, James Shepherd interviews Scott Adams, one of the industry's leading experts on chargeback management and Visa's new VAMP program. Scott offers a clear breakdown of what VAMP means for ISOs, processors, and merchants, and how to prepare for what's coming next. Then, Rich Norton shares sales strategies from the field, and Patti Murphy joins James for Today in Payments, covering key developments in stablecoin, Fed payments, and more.

This week's episode is packed with insights you won't want to miss. James Shepherd kicks things off with Vlad Sadovskiy of Netevia to discuss the future of integrated payments, the evolution of Clover, and a new capital raise for Full Stack Payments through Netevia Financial. Learn more about that funding announcement here: https://fullstackpayments.com/capital-funding Vlad also shares a fun behind-the-scenes story about using the Netevia card at the Stanley Cup Finals. After the interview, James and Patti Murphy dive into a wide-ranging Today in Payments segment, exploring how stablecoins could disrupt the current card networks by running over Visa and Mastercard rails. Could this new wave of innovation reshape how we all get paid? Get the full story on the blog here: https://todayinpayments.com/blog/swipe-tap-or-token-the-changing-face-of-payments

Your P&L should be more than a spreadsheet—it should be a tool for growth. In this episode, James Shepherd sits down with a fractional CFO who works with top payments companies to break down how to get your financials in order, raise capital, and prepare your business for acquisition or expansion. Whether you're building toward a valuation event or just want clearer insight into your revenue, this conversation is packed with valuable advice. Then, Rich Norton shares practical sales strategies for agents, and James joins Patti Murphy for Today in Payments to cover the latest news—from a new stablecoin backed by Mastercard and PayPal to the future of POS and processor-agnostic solutions.

Selling payments is changing—and software is leading the way. In this week's episode, James Shepherd sits down with Rob Kyle from the Full Stack Payments team to break down the real-world sales process of bundling payments and vertical-specific software. From handling demos to coordinating handoffs with ISVs, James and Rob share insights on how to close deals in today's integrated environment. If you're ready to evolve your sales strategy and generate residuals through Full Stack's lead program, this episode is for you.

What does it really take to grow from an individual agent into a full-blown ISO? This week, James Shepherd sits down with industry veteran Gus Torres to hear his journey—from working the streets to running his own ISO. Gus shares practical insights, mindset tips, and how his partnership with Netevia helped scale his operation. Then, stick around for the Today in Payments segment, where James and Patti Murphy break down the latest updates on the Credit Card Competition Act, BNPL regulations in the UK, and more industry headlines.

This week's episode features a replay of a live event with Brian Fitzgerald, EVP of ISV and Enterprise Partnerships at Full Stack Payments. James Shepherd interviews Brian about what it really takes to close large merchant accounts and build successful ISV partnerships. Learn how Full Stack supports agents with implementation, integrations, and lifetime vested residuals. Then, stick around for the Today in Payments segment where James and Patti Murphy cover the latest headlines shaping the payments industry.

What if merchants could earn reward points just for processing payments? This week, James Shepherd welcomes back Jeff Moskowitz to explore a creative twist on merchant services—credit card processing rewards. From luxury travel to high-end merchandise, learn how this unique program is gaining traction and helping agents stand out in a crowded market. Then, James and Patti Murphy dive into a packed Today in Payments segment, covering everything from crypto developments to Visa and Mastercard's push to enable AI agents like ChatGPT to make payments.

Complex payment flows are one of the biggest challenges in B2B sales—but they also offer some of the best opportunities. In this episode, James Shepherd shares a replay of his live interview with Denis Lunev, CEO of DepositFix, to break down how CRM and payments integrations can help you land merchants with ERP systems, HubSpot, QuickBooks, and more. Learn how tools like DepositFix simplify these workflows and how you can win merchant accounts through Full Stack Payments' mobile app. After the interview, stick around for the Today in Payments segment, where James and Patti Murphy cover the week's top headlines and trends.

ACH doesn't always get the spotlight, but it plays a vital role in the payments ecosystem. This week, James Shepherd sits down with Tommy Chipman of Payliance to unpack the power and potential of ACH—why it still matters, where it's headed, and how it fits into the broader payments landscape. From crypto to PayFacs, Tommy shares a wide range of insights from his diverse industry background. Plus, don't miss sales tips from Rich Norton and the latest Today in Payments segment, where James and Patti Murphy break down key industry headlines.

Nonprofits may not be the flashiest vertical—but they represent a massive, often overlooked opportunity in payments. In this week's episode, James Shepherd shares a replay of his live interview with the CEO of GiveHub to explore how modern payment solutions are transforming the nonprofit space. Plus, hear how Full Stack Payments is stepping in with a mobile-first integration to make giving easier. Then, Rich Norton delivers another round of real-world sales tips, and Patti Murphy joins James for a packed Today in Payments segment covering everything from major acquisitions to mobile wallets and regulated debit.

We often hear that software is eating payments—but what if it's the other way around? This week, James Shepherd sits down with Dustin Magaziner of PayBright to explore how payments companies and ISOs are uniquely positioned to form strategic partnerships with software providers. They dive into a recent deal and share predictions for where the industry is headed. Then, Rich Norton delivers another round of practical sales tips from the field. Finally, James and Patti Murphy bring you the latest Today in Payments segment, covering four major news stories that are shaping the future of the industry.