Real Talk Payments
Real Talk Payments gets to the heart of what matters in payments - stripping away filters, cutting through buzzwords, and grounding every conversation in real expertise and experience. Pagos delivers candid discussions that educate, challenge assumptions and spotlight the realities every payments professional needs to understand. It’s bold, transparent, and made for those who want substance over hype.
Episodes
What the Payments Industry Keeps Getting Wrong About Innovation
The payments industry is constantly chasing the next big thing. But how much of that innovation is actually delivering value, and how much is simply hype?
In this episode of Real Talk Payments, powered by Pagos, host Kapil Mokhat and Pagos Co-founder Albert Drouart welcome Steve Klebe, a payments industry veteran with more than 40 years of experience at companies includi...
Payments has changed dramatically over the past decade, but some of its biggest challenges have remained surprisingly consistent.
In this episode of Real Talk Payments, Kapil Mokhat is joined by Brian Wey, Senior Director of Commercial Growth at Oura Ring and Adam Hollenberg, Director, Payments Strategy and Operations at Discord, two payments leaders who have worked on both sides of the table, buying, building, managing, and optimiz...
In this episode of Real Talk Payments, Kapil Mokhat is joined by Julie Ferguson, co-founder of the Merchant Risk Council, along with Pagos co-founders Klas Bäck and Albert Drouart, for a timely conversation about what it means to operate payments and fraud in the AI era.
The discussion explores how AI is already changing the work of payments and fraud professionals, not by replacing people outright, but by reshaping the skills, work...
In this episode of Real Talk Payments, Kapil Mokhat is joined by Pagos co-founders Klas Bäck and Albert Drouart for a candid conversation about one of the most overlooked areas in payments: cost optimization.
The episode focuses on four common myths that keep merchants from truly understanding and improving their payment costs. First, they address the belief that lowering costs is simply about negotiating a better processor rate. Ka...
In this episode of Real Talk Payments, host Kapil Mokhat is joined by Albert Drouart, CTO of Pagos, along with Colin Luce, CEO and Co-founder of Basis Theory, and James Armstead, CTO of Basis Theory, for a lively conversation about where payments infrastructure is headed next. What starts as a discussion about bundled versus unbundled payments quickly turns into a bigger look at merchant control, data ownership, orchestration, vaul...
In this episode, Kapil Mokhat is joined by Grace Greenwood and Andy Barker from Pagos for a deep dive into one of the most important and misunderstood topics in payments today: BIN data. As the industry moves from 6-digit to 8-digit BINs, merchants, PSPs, and payments teams are being forced to rethink how they identify cards, manage routing, improve authorization rates, reduce fraud, and control cost. What may sound like a technica...
In this episode of Real Talk Payments, host Kapil Mokhat sits down with Klas Back (CEO, Pagos) and Albert Drouart (CPO, Pagos) to cut through the hype and separate the signal from noise in the AI and payments conversation.
They dig into what is actually changing for modern merchants. Payments stacks are getting more complex with more markets, more payment methods, and more vendors. At the same time, payments teams are being asked to...
Real Talk Payments pulls back the curtain on the payment processing industry through candid conversations with seasoned veterans who've seen it all. Hosted by Pagos, this podcast brings together industry leaders with decades of combined experience to share the unfiltered truth about what really happens behind every transaction.
In this inaugural episode, our host, Kapil Mokhat is joined by Andy Barker (Pagos), Albert Drouart (CPO an...
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