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.

Nacha’s 2026 ACH fraud-monitoring rules signal a major shift for banks, platforms, Originators, Third-Party Senders, and service providers. ACH fraud prevention is becoming more distributed, more operational, and harder to ignore.

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.