# 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… Page: Feed: --- ## The Hidden Payments Work Behind U.S. Expansion _2026-08-19_ 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… [Listen](https://www.buzzsprout.com/1002820/episodes/19672316-the-hidden-payments-work-behind-u-s-expansion.mp3) ## The PCI Scope Trap _2026-08-05_ 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… [Listen](https://www.buzzsprout.com/1002820/episodes/19605296-the-pci-scope-trap.mp3) ## When the Merchant Doesn't Fit the Box _2026-07-22_ 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… [Listen](https://www.buzzsprout.com/1002820/episodes/19532253-when-the-merchant-doesn-t-fit-the-box.mp3) ## Cash Is the New APM _2026-07-08_ 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… [Listen](https://www.buzzsprout.com/1002820/episodes/19463928-cash-is-the-new-apm.mp3) ## When the Phone Becomes the Terminal _2026-06-24_ 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… [Listen](https://www.buzzsprout.com/1002820/episodes/19398494-when-the-phone-becomes-the-terminal.mp3) ## Preferred Partner, Not Prison: The Payments Lock-In Backlash _2026-06-10_ 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… [Listen](https://www.buzzsprout.com/1002820/episodes/19326997-preferred-partner-not-prison-the-payments-lock-in-backlash.mp3) ## GiveTech and the Onboarding Flow That Finally Made Sense _2026-05-27_ 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… [Listen](https://www.buzzsprout.com/1002820/episodes/19248367-givetech-and-the-onboarding-flow-that-finally-made-sense.mp3) ## Payments got messy. Good. _2026-05-13_ 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… [Listen](https://www.buzzsprout.com/1002820/episodes/19170533-payments-got-messy-good.mp3) ## [Stand-In Processing gets Smarter, Customer Chargeback Claims Chaos, Faster Funds For Employees](http://www.centschat.com) _2020-09-17_ 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… [Listen](https://www.buzzsprout.com/1002820/episodes/5489275-stand-in-processing-gets-smarter-customer-chargeback-claims-chaos-faster-funds-for-employees.mp3) ## [Daily plans, scheduled by AI (Sponsored)](https://crawlproof.com/a/0NmeqyZVAwZi) _2020-09-17 · **Sponsored**_ AI-made daily plans that schedule tasks and protect focus time. ## [California Circumvents CFPB, Fraudulent Fund-transfers Frazzle Government, Authorization Attrition](http://www.centschat.com) _2020-09-03_ 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? [Listen](https://www.buzzsprout.com/1002820/episodes/5270194-california-circumvents-cfpb-fraudulent-fund-transfers-frazzle-government-authorization-attrition.mp3)