Mastercard and BMO are embedding commercial virtual card payments directly into enterprise software. For ISVs, the bigger question is what happens when payment execution becomes part of the workflow instead of a separate banking step.

Oct 14th, 2026

Straata: Finding the Payments Revenue Hiding in Plain Sight

Straata combines payments expertise and technology to help ISVs examine processor contracts, reconcile residuals, optimize interchange, and uncover missed payments revenue.

Kitty, Jason, and Chris look back at CentsChat's biggest payments lessons, recent FTC processor actions, agentic commerce, the new YouTube channel, and what they want from future ISV guests.

AI is changing how transactions begin while stablecoins reshape how value moves behind them. ISVs still have to make the middle work.

REPAY's Visa Platform Connect agreement gives ISOs and ISVs a more direct path into Visa's payment infrastructure. More control can mean faster innovation, but it also forces platforms to understand exactly which parts of the payments stack they own.

Kitty and Chris sit down with Navneet Rastogi and AB from Illumine to unpack what really changes when an international ISV expands into the U.S., from autopay, ACH, subsidies, refunds, disputes, reporting, and reconciliation to choosing a payments partner that can keep up with the product.

Jul 22nd, 2026

Nationwide Payment Systems: Helping Complex Merchants Tell the Right Payments Story

Nationwide Payment Systems helps growing, regulated, high-volume, and complex businesses accept and manage payments across cards, ACH, POS, invoicing, embedded payments, and custom workflows with real human support.

AI can help detect synthetic identity fraud, but payments platforms still need governance, evidence, ownership, and operational controls that actually work.

The reported interest by major banks in acquiring Fiserv's debit network could reshape debit routing, interchange economics, flat-rate pricing, and the future of embedded payments.

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.

Jun 24th, 2026

Koard: Turning the Phone Into the Terminal

Koard helps PSPs, ISVs, ISOs, and software platforms bring Tap to Pay and card-present acceptance into mobile apps without forcing every platform to build the full EMV, certification, processor routing, and onboarding stack from scratch.

AI agents are starting to initiate commerce and payments, but platforms still need clear authorization, controls, dispute paths, monitoring, and accountability when something goes wrong.

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.

Jun 10th, 2026

POS+: Giving Merchants a Door Out of Payments Lock-In

POS+ helps businesses keep the software they rely on while connecting to their preferred payments partner, restoring merchant choice without breaking the operational workflow.

Payments consolidation is reshaping the industry as processors, gateways, fintechs, and software companies race to own more of the stack, more of the data, and more of the customer relationship.

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.

Embedded payments are not just a checkout feature for software platforms. They are a business model decision that reshapes revenue, risk, customer experience, compliance, and operational responsibility.

Becoming a PayFac can unlock payments revenue, tighter customer relationships, and more control, but the model also brings underwriting, risk monitoring, disputes, reserves, sponsor oversight, support complexity, and operational accountability.

Marketplace payments are not just checkout. They are trust infrastructure involving seller onboarding, funds flow, payouts, refunds, chargebacks, ledgering, compliance, and customer confidence.

Payments revenue share can look simple in a term sheet, but the real deal lives in definitions, deductions, support expectations, risk obligations, reporting, data rights, portability, and contract details.

Payments are not one integration or one vendor. They are a stack of product experience, gateways, processors, acquirers, underwriting, risk, fraud controls, ledgering, reconciliation, disputes, compliance, reporting, payouts, support, and ownership.