Kitty and Steve sit down with Kyle Hatfield from Centsless to unpack why cash rounding, penny shortages, exact-change signs, refunds, split tender, EBT/SNAP, wage risk, and reconciliation are turning the cash drawer into a real payments infrastructure problem for ISVs and POS platforms.

Kitty and Jason sit down with Behailu from Koard to unpack Tap to Pay, mobile card-present acceptance, EMV complexity, processor routing, Apple approval, and why ISVs should stop treating in-person payments like e-commerce when the customer is standing right there.

Kitty and Jason sit down with Jordan Thaeler, founder of POS+, to discuss embedded payments lock-in, merchant choice, ISV monetization, AI-enabled payment workarounds, and why preferred payment partners should not become payments prisons.

Kitty and Chris sit down with Sean Ogden, Co-Founder of GiveTech, to discuss merchant onboarding, beneficial ownership, identity verification, and how a better workflow can reduce friction while strengthening compliance and fraud controls.

Kitty relaunches Cents Chat with Jason, Steve, and Chris to explain the new format, why payments are no longer background plumbing, and how ISVs, PayFacs, marketplaces, and fintech teams should think about real operational pain points.

Jason and Hayden discuss Visa’s smarter stand-in processing, friendly fraud and chargeback friction, and how Square is connecting payments and payroll for faster employee access to funds.

Jason and Hayden discuss California’s proposed consumer financial watchdog, pandemic-related government payment fraud, and why EMV 3DS could help e-commerce merchants fight fraud and improve authorization rates.

Jason and Hayden discuss multilayered data security, Apple’s move into phone-based payment acceptance, and why Wirecard’s long-running oversight failures exposed deeper problems in the acquiring ecosystem.

Jason and Hayden discuss why paper checks are losing relevance, how public transportation could leapfrog into touchless payments, and why financial institution impersonation scams are rising.

Jason and Hayden discuss the continuing Wirecard fallout, why open banking standards matter, and why Uber may be better off focusing on rideshare and food delivery instead of financial services.

Jason and Hayden discuss the Wirecard accounting scandal, the push for cashless casinos, and the Federal Reserve’s FedNow Community kickoff.

Jason and Hayden discuss mobile banking fraud, processor funding holds, merchant chargeback pressure, and how interchange downgrades can quietly eat into payments revenue.

Jason and Hayden discuss open banking security, rising reserve requirements for struggling merchants, and the future of contactless payments with guest Sesie Bonsi of Bleu.

Jason and Hayden discuss whether financial institutions will need fintech partnerships, how mobile wallets are moving mainstream, and why Qualpay’s FTC settlement matters for payment processor oversight.

Jason and Hayden discuss card-not-present fraud controls, real-time remittance, earned wage access, and portfolio optimization with Jim Battista of MAPP Advisors.

Jason and Hayden discuss FedNow, real-time payments, First Data’s FTC settlement, and why reliable APIs matter for banks, ISVs, and payment providers.

Jason and Hayden discuss negative option nutraceutical scams, the balance between fraud prevention and customer friction, and how Khipu helps banks manage CBD compliance.

Jason and Hayden discuss the shift to virtual commerce, what ISVs should look for in payments APIs, and why CBD payments create compliance complexity for banks and processors.