Cents Chat

Kitty & The Crew

Welcome to Cents Chat, the podcast that's changing the game for ISVs, Payment Facilitators, and Marketplaces! From demystifying complex regulations like FinCen and PCI to the latest on Visa and Mastercard rules, our team breaks it all down with a dash of humor and a ton of insight. Whether you're looking to stay compliant, stay ahead, or just stay entertained, Cents Chat is your go-to source for all things payments. Tune in and join the conversation – it's the most engaging and fun you’ll have learning about payments!

  1. When the Phone Becomes the Terminal

    ٢٤ يونيو

    When the Phone Becomes the Terminal

    In this episode of Cents Chat, Kitty leads a conversation with Koard about what happens when the phone becomes the payment terminal. Joined by co-host Jason for the technical deep dive, the discussion breaks down why card-present payments are still harder than they look, why so many ISVs default to card-not-present flows, and how Tap to Pay can help platforms bring in-person acceptance directly into their mobile apps. Koard’s Behailu explains how their platform helps ISVs, PSPs, and software companies navigate the messy parts: EMV complexity, Apple approval, processor routing, cryptography, merchant onboarding, and the operational reality hiding behind one simple tap. Because payments are never “just an API.”

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  2. Preferred Partner, Not Prison: The Payments Lock-In Backlash

    ١٠ يونيو

    Preferred Partner, Not Prison: The Payments Lock-In Backlash

    In this episode of Cents Chat, Kitty and Jason sit down with Jordan Thaeler, founder of POS+, to talk about one of the biggest tensions in embedded payments: the difference between a preferred payments partner and a payments prison. For years, ISVs have built real revenue streams by integrating payments into their platforms, and when done well, that model can create a better experience for everyone. The trouble starts when “preferred” quietly becomes “mandatory,” pricing drifts out of line, functionality lags, and merchants realize they are not choosing a payments provider so much as being cornered into one. Jordan breaks down how POS+ is pushing back on that model by giving merchants more payment choice without forcing them to rip out the software they already use to run their business. The conversation gets into merchant frustration, ISV monetization, payment flow workarounds, AI-driven adaptability, and why the smartest platforms should stop treating friction like a moat. The takeaway for ISVs is simple: pick a great default payments partner, make the economics fair, keep the experience strong, and give merchants a reasonable path to alternatives. Most merchants will choose the preferred option if it actually earns the business. But nobody likes being trapped.

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  3. GiveTech and the Onboarding Flow That Finally Made Sense

    ٢٧ مايو

    GiveTech and the Onboarding Flow That Finally Made Sense

    In this episode of Cents Chat, Kitty and Chris sit down with Sean Ogden, Co-Founder of GiveTech, to talk about one of the least glamorous but most important parts of payments: merchant onboarding. GiveTech’s mission is to make giving so simple it can happen at a stoplight, but that kind of frictionless donation experience only works if the platform also has strong controls behind the scenes. The team digs into how GiveTech replaced clunky PDFs, DocuSigns, and awkward PII collection with a branded, mobile-first onboarding workflow that feels simple for customers while supporting underwriting, KYC, and fraud prevention. The conversation also looks at why onboarding has become a bigger responsibility for ISVs and platforms. With card-network monitoring expectations increasing, fintech regulation shifting, and donation platforms becoming attractive targets for fraudsters, getting merchants live is no longer just an administrative step. It is the front door to trust, risk, compliance, and money movement. GiveTech’s story shows how better onboarding can reduce sales friction, protect sensitive information, validate identities, and help legitimate organizations start accepting donations faster without making the platform easier for bad actors to exploit.

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  4. Payments got messy. Good.

    ١٣ مايو

    Payments got messy. Good.

    Cents Chat is back with a new format, sharper opinions, and a very clear mission: help ISVs, PayFacs, marketplaces, fintech teams, and payments operators make sense of the messy parts of modern payments. In this relaunch episode, Kitty kicks things off with Jason, Steve, and Chris to explain what the new Cents Chat is all about: real pain points, practical payments strategy, current industry changes, and conversations with ISVs solving actual operational problems. The team covers why payments can no longer be treated like background plumbing, how API integrations, onboarding flows, merchant risk, compliance obligations, contracts, and interchange fights are becoming platform-level issues, and why future episodes will focus on the problems payments teams are actually trying to solve. They also preview the first ISV guest conversation, which will dig into onboarding flows and how one company streamlined a process that had become too slow, manual, and messy. If you build, operate, support, or monetize payments inside software, this is the reset episode. Payments got messy. Good.

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  5. Stand-In Processing gets Smarter, Customer Chargeback Claims Chaos, Faster Funds For Employees

    ١٧‏/٠٩‏/٢٠٢٠

    Stand-In Processing gets Smarter, Customer Chargeback Claims Chaos, Faster Funds For Employees

    With big data comes big power and big innovation, so how will Visa use this to make the payments eco-system more stable? With CNP transactions on the rise due to the global pandemic, what can FI's leverage to drop the estimated $1BB in estimated chargeback losses in just 1 year? What is Square Inc. deploying in order to get employees and employers on the same page when it comes to real-time payroll?

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  6. California Circumvents CFPB, Fraudulent Fund-transfers Frazzle Government, Authorization Attrition

    ٠٣‏/٠٩‏/٢٠٢٠

    California Circumvents CFPB, Fraudulent Fund-transfers Frazzle Government, Authorization Attrition

    CFPB was deemed useless, and financial enforcement is down 80% from 2015, but California thinks they have the cure. What Nigerian hacker ring claimed the unemployment benefits of thousands of Americans, and how do we protect ourselves when the government can't even protect itself? COVID has crushed e-commerce authorization rates, is EMV 3DS the answer?

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  7. Manifesting A Multilayered Security Mindset, The Transition From Traditional Terminals, Oblivious Oversite

    ٠٥‏/٠٨‏/٢٠٢٠

    Manifesting A Multilayered Security Mindset, The Transition From Traditional Terminals, Oblivious Oversite

    With online retail doubling in volume from last year you need to know the new ways to keep your data secure. Apple makes it easier to say goodbye to your traditional terminal. Change is here. How has Wirecard gotten away with fraud for so many years? And what do we need to do to make sure there isn’t another debacle like wirecard.

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  8. Paperless Prevails, Public Transportations Transition To Touchless Transactions, Illicit Innovations

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    Paperless Prevails, Public Transportations Transition To Touchless Transactions, Illicit Innovations

    Are paper checks past their prime? And what keeps consumers from completely dropping them? Public transportation is down 90% in some cities, but how can we make it safer, and more efficient during, and following Covid-19? Financial Institution Imposter Issues continue to skyrocket amidst the global pandemic, but what model hasn’t been greatly affected?

    ١١ د
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Welcome to Cents Chat, the podcast that's changing the game for ISVs, Payment Facilitators, and Marketplaces! From demystifying complex regulations like FinCen and PCI to the latest on Visa and Mastercard rules, our team breaks it all down with a dash of humor and a ton of insight. Whether you're looking to stay compliant, stay ahead, or just stay entertained, Cents Chat is your go-to source for all things payments. Tune in and join the conversation – it's the most engaging and fun you’ll have learning about payments!

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  • صناع العمل
    Kitty & The Crew
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    ٢٠٢٠ - ٢٠٢٦
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