CentsChat
Welcome to CentsChat, 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, CentsChat 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
A growing residual check doesn't necessarily mean your payments business is growing. Your processor contract might no longer fit, merchant attrition could be hiding behind price increases, and costs you haven't examined in years could be eating into your margins.
Kitty and Jason welcome Brian Abernethy from Stratta to CentsChat for a practical conversation about evaluating the health of an ISV's payments program. They walk through f...
This week's CentsChat is a little different. Kitty is joined by Jason and Chris, Steve is conveniently in Hawaii, and we're taking a break from the usual guest format to talk about where the show has been, where it's going, and why payments keeps giving us more material than we could possibly cover.
The conversation looks back at a few themes that keep showing up across CentsChat episodes: payments projects that looked simple on the...
Moving from card-not-present into card present sounds simple right up until a physical payment device enters the picture. For ISVs and PayFacs that have only processed online transactions—or that currently rely on a third party for their in-person payments experience—bringing card present in-house can mean taking on a completely different level of technical and operational complexity.
In this episode of Cents Chat, Kitty...
Expanding into the U.S. can look like a simple growth decision on paper. For an ISV, though, the reality is a lot messier. New customer expectations, different payment preferences, more demanding support requirements, and a much more complex payments ecosystem can quickly turn “launch in a new market” into a much bigger product and operations project.
In this episode of Cents Chat, Kitty and Chris are joined by Navneet R...
An ISV doesn’t have to store card data to have PCI responsibilities. If its software, integrations, access, vendors, or deployment processes can impact the security of cardholder data, it may already be operating as a service provider.
In this episode, Kitty and Chris sit down with Steve Levinson of LHC Advisors to break down the PCI scope trap, the service-provider requirements many ISVs overlook, and why relying on a complia...
Merchant onboarding used to be relatively straightforward. Today, businesses have more complicated payment flows, harder-to-explain models, evolving compliance requirements, and fraud threats that can make even legitimate merchants look risky on paper.
In this episode of CentsChat, Kitty and Jason sit down with Allen Kopelman of Nationwide Payment Systems to discuss what it takes to board merchants that do not fit neatly into standa...
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...
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 ...
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...
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...
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...
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?
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?
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.
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?
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.
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.
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?
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.
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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