Cents Chat

Cents Chat

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!

Episodes

July 8, 2026 26 mins

In this episode of Cents Chat, Kitty and Steve look at the APM conversation from both ends of the spectrum: OpenUSD, stablecoins, and the future of programmable money on one side, and the humble cash drawer on the other. Then Kyle Hatfield from Centsless joins to explain why cash may be the alternative payment method ISVs forgot to build for. With the penny disappearing, merchants are already facing exact-change signs, rounding rul...

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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 ...

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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 “p...

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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 re...

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May 13, 2026 17 mins

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 solv...

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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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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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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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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?

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Wirecard received the green light to resume its banking operations but what is new with Wirecard since Ex-CEO was arrested earlier last week?

What is open banking? And why standards are critical for innovation.

Say goodbye to Uber financial leader, who has stepped down due to Uber CEO putting a halt on their financial services projects.

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Former WireCard CEO was arrested for over missing $2.1 Billion, how did it happen?

Will we finally see one of the only cash only industries shift to contactless payments? And what does this mean for hungry FinTechs?

The Fed kicked off their FedNow community, and we have the insights.

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The FBI is warning consumers to be safe when using mobile banking platforms due to fake sites with malicious intent.

Why are Square and other processors holding excessive funds for from their merchants, and why will we see this trend continue?

Why are Visa's new interchange programs up 85 basis points, and how TPPP's can prevent the downgrading of transactions?

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As Fintech’s and FI’s partner up why does security play a crucial role in gaining a banks trust?

You’re a merchant that is being asked to fund the reserve accounts, but what do you do if you don’t have the capital to do that?

We get insight from our Expert guest Sesie Bonsi, with Bleu, on our future in contactless payments.

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In a post-Covid society will we see FI's partner up with competing FinTechs?
 
Contactless shopping habits will form due to Covid-19, and what does this mean for merchants?
 
What should payment processors be screening in the search for scammy merchants?

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Due to Covid-19 many consumers have fled to online marketplaces, so how do you manage fraud in a Post-Covid online world?
 
Frontline workers can no longer wait two to four weeks for their pay period, so what are ISVs doing to help meet the needs of everyday employees?

Our expert guest Jim Battista, Founder of MAPP Advisors, gives us insight on how portfolio optimization is more critical now than ever.

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How can the FedNow service develop technology for seamless nationwide realtime payments?

Why is First Data involved in another FTC settlement costing them $40.2 Million, and who is to blame?

As the world transforms after the corona virus, and open banking and APIs expand, how do you build for success?

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The card networks have rules for continuity billing, and it's up to the supply chain to make sure merchants are following these rules.

Newly emerged challenges of shifting consumer behavior are causing Financial Institutions to rethink how they determine fraud, But when is unusual consumer behavior not unusual?

Join us and our industry experts from Khipu Technologies in part two of CBD Compliance Chaos, The Khipu Solu...

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Why do ISV’s play a critical role in the new virtual commerce landscape?

ISV’s need payments partners, but what attributes are essential when looking for these partners?

We let our experts from Khipu Technologies inform us on the most ambiguous laws and restrictions in our two-part CBD Compliance Chaos.  

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Automated underwriting not only makes ISVs happy, its safer for the acquiring supply chain.

How did PAAY, an E-Commerce fraud protection tool, leave 2.5 million transactions exposed on their server?

Why is a swift digital onboarding experience a necessity for competing banks, and can having access to more data be the answer?

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Is Zoom to blame for over 500k username/password combinations being hacked and sold on the dark web?

ISVs have increasingly recognized that they can embrace payments to increase their revenues, but why shouldn’t they do it themselves?

DoorDash, GrubHub, Uber Eats and Postmates accused of charging exorbitant fees, using monopoly power, and charging up to 40% of the sale price.

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