
PayPod: The Payments and Fintech Podcast
Welcome to PayPod, a show that explores the fast-changing world of payments and fintech. The show features interviews with leaders and entrepreneurs in the payments and fintech industries.
Each episode, you’ll hear an interview directly with a leader of the payments industry. We talk with fintech entrepreneurs, security experts, mobile developers, eCommerce pros, and more...
From credit card processing to bitcoin... from retail point of sale systems to cutting edge digital payments software… merchant accounts. mobile checkout, lending marketplaces, and beyond… we cover it all!
Latest episodes

Feb 22, 2024 • 30min
Past Present and Future of Payments Processing with Robert Kraal of Silverflow
Episode Topic: Welcome to an insightful episode of PayPod. We invent the transformative year of 2019 for the payments industry, focusing particularly on the emergence and integration of Real-Time Payments. Our discussion centers around the innovative steps taken by Robert Kraal in founding Silverflow, and his strategic involvement with Volt and Flow to address and capitalize on the shifting landscape towards Real-Time Payments. This episode sheds light on the challenges and opportunities that come with pioneering in the fast-evolving fintech sector, and how Real-Time Payments are reshaping the way businesses and consumers interact with financial services. Lessons You’ll Learn: Throughout this episode, listeners will gain valuable insights into the intricacies of Real-Time Payments, the hurdles of adopting such technologies, and the significant impact they have on the payments and fintech industry. We explore the critical issues legacy processors face in the current technological climate and how companies like Silverflow are distinguishing themselves by leveraging advanced data analytics and offering unparalleled data transparency. The episode also delves into the evolving role of data in enhancing payment processes and how Real-Time Payments are influencing consumer behavior and merchant operations. About Our Guest: Thr esteemed guest, a prominent figure in the fintech world, played a pivotal role in the inception of Silverflow and took on influential positions at Volt and Flow in 2019, a year marked by significant advancements in Real-Time Payments. With a deep-rooted history in the payments industry, our guest brings a wealth of knowledge and experience to the table, discussing the vision behind Silverflow, the mission of Volt in the Real-Time Payments arena, and the broader implications of these technologies on the global financial landscape. His insights into the evolution of payment processing and the strategic importance of data transparency in today's market are both enlightening and inspiring. Topics Covered: This episode covers a broad spectrum of topics related to the fintech and payments industry, with a special focus on Real-Time Payments. We discuss the foundational journey of Silverflow and its mission to address the inefficiencies of legacy payment processors. The conversation also explores Volt's role in facilitating Real-Time Payments across various territories, the challenges of widespread adoption, and the potential for expansion in response to evolving policy initiatives. Furthermore, we examine the relationship between Real-Time Payments and credit, predicting how the acceleration of payment processes might influence future financial transactions. Lastly, we touch upon the importance of integrations and collaborations in the fintech sector and highlight key trends to watch in 2024, emphasizing the continuous impact of Real-Time Payments on the industry. Check out our website- https://www.soarpay.com/

Feb 19, 2024 • 29min
Bringing Efficiency and Access to Private Credit with Nelson Chu of Percent
Episode Topic: Welcome to an insightful episode of PayPod. We invent the dynamic landscape of the world of Private credit with Nelson Chu, founder and CEO of Percent. Over six years ago, Percent was founded with a revolutionary idea to transform the Private credit market, and today, it stands as a testament to innovation and access in the alternative investment space. This episode explores the origins of Percent, the essence of Private credit, and the significant changes the company has undergone to redefine how Private credit functions in today's changing financial world. Lessons You’ll Learn: This segment uncovers key insights into the complex world of Private Credit, including its definition, the appeal to investors, and the unique challenges and opportunities it presents. This episode sheds light on the intricacies of building a marketplace platform in the alternative asset investment sector, highlighting the unforeseen obstacles Percent encountered and overcame. Discover the importance of differentiation in a competitive market and learn how Private Credit can be a lucrative opportunity for both investors and borrowers. About Our Guest: Nelson Chu is the visionary founder and CEO of Percent, a company that has significantly impacted the Private Credit sector by providing more efficient and accessible investment tools. With a background deeply rooted in finance and technology, Nelson brings a wealth of knowledge to the table. His expertise in the Private Credit market and his innovative approach to financial technology have positioned Percent as a leader in alternative asset investments. Nelson's thoughts on the future of Private Credit, and navigating the challenges of expanding a fintech company in a rapidly changing landscape, showcasing the impact of transparency in business development. Topics Covered: This comprehensive discussion covers a range of pertinent topics within the Private Credit and alternative investment sphere, including the foundational story of Percent and the evolution of Private Credit. The conversation also addresses the challenges of building a marketplace for alternative assets, the differentiation strategies that set Percent apart, and the platform's accessibility for investors and borrowers. Additionally, the episode delves into recent trends in the fintech industry, including the effects of the SVB collapse on the financial landscape, the rising prominence of "unsexy" industries, and the momentum behind alternative investments. Nelson's initiative to build in public and share internal operations insights for the benefit of the fintech community is also explored. Check out our website- https://www.soarpay.com

Feb 16, 2024 • 30min
Taming Payments Chaos with Tal Kirschenbaum of Ledge
Episode Topic: Welcome to an insightful episode of PayPod. We invent the transformative world of payments automation, exploring the journey of Tal Kirschenbaum, co-founder and CEO of Ledge, from his initial foray into the payments industry to the inception of Ledge. Discover how Ledge is filling the gaps in the market, offering novel solutions to age-old problems in financial operations. This episode sheds light on the evolution of payment automation, its impact on finance teams, and how Ledge is spearheading change with its unique product offerings tailored for today's digital age. Lessons You’ll Learn: This segment is a treasure trove of insights for anyone interested in payment automation, fintech innovations, and the future of financial operations. Listeners will learn about the critical role payment automation plays in enhancing efficiency, accuracy, and strategic decision-making within finance departments. Through Tal Kirschenbaum's journey and the case study of Ledge's partnership with Papaya, we uncover the practical applications and transformative potential of automated solutions in solving complex financial challenges. Additionally, discussions on the traditional CFO tech stack and the pivotal role of AI in managing unstructured data further enrich listeners' understanding of current trends and future directions in financial technology. About Our Guest: Tal Kirschenbaum, a visionary in the payments automation sector, brings a wealth of experience from his diverse background in finance and technology. Before co-founding Ledge, Tal's journey through corporate venture capital, strategy consulting, and leading roles in tech giants like Facebook and Melio, equipped him with a unique perspective on the payments industry. At Ledge, Tal and his team are dedicated to revolutionizing financial operations with cutting-edge automated solutions, making them a beacon for innovation in the fintech space. Topics Covered: This episode covers a broad spectrum of topics central to the evolution of payment automation. Starting with Tal Kirschenbaum's background and the founding story of Ledge, we dive into the gaps Ledge aims to fill in the market and its innovative product offerings. A detailed discussion on what sets Ledge apart in the crowded space of fintech solutions, including a case study on its partnership with Papaya, highlights the impact of Ledge's platform. The conversation then shifts to general market trends, the challenges of technological innovation in finance departments, the legacy and future of Excel, and the changing role of CFOs in leveraging payments automation for business growth. Check out our website- https://www.soarpay.com/

Feb 12, 2024 • 24min
Better Payments Solutions Lead to SaaS Scalability with Rao Chejarla of Saaslogic
Episode Topic: Welcome to an insightful episode of PayPod. We invent the dynamic landscape of the Software as a Service (SaaS) industry with Rao Chejarla, founder and CEO of Saaslogic. Exploring its current trends and future potential, we discuss the emergence of SaaS companies as essential players in the commercial world and the evolution of the software development industry over the past decade. The conversation navigates through the founding of Saaslogic and its service offerings, providing insights into the genesis of the company and the unique value it brings to the market. Lessons You’ll Learn: This segment uncovers key insights into the strategic decision-making processes behind the founding of Saaslogic and the challenges and opportunities inherent in scaling SaaS platforms. Rao Chejarla shares his expertise on hybrid billing options and the power they offer for SaaS companies to adapt to evolving customer needs in software development. Additionally, the importance of leveraging customer feedback for subscription-based businesses is explored, highlighting the critical role of regular communication in driving product innovation and customer satisfaction within software development. About Our Guest: Rao Chejarla is the visionary founder and CEO of Saaslogic, a next-gen SaaS billing and subscription management platform. With a wealth of experience in the software development industry, Rao brings a unique perspective to the conversation, offering insights into the intersection of software development, payments, and SaaS business strategies. As a thought leader in the fintech space with a dedication to driving innovation and delivering exceptional value to customers, he earned recognition as a pioneer in the SaaS industry. Topics Covered: Including the differentiation of Saaslogic from competitors and legacy providers in software development, the strategic decision to build a proprietary payment gateway, and the importance of observing industry trends and adapting strategies accordingly, this episode covers a range of topics. The conversation also touches on the characteristics of successful companies and individuals in the SaaS world, emphasizing the importance of ambition, strategic thinking, and effective communication in driving innovation and growth within the realm of software development. Check out our website- https://www.soarpay.com/

Feb 8, 2024 • 22min
The Complex Web of Modern API Management with Kleber Bacili of Sensedia
Episode Topic: Welcome to an insightful episode of PayPod. We invent the intricate world of API management, with Kleber Bacili of Sensedia. In the realm of digital technology, "Integration in Microservices" has become a cornerstone, particularly in API management, a field that has seen significant growth over the last decade. This episode delves into the evolution of APIs and the critical role of API management services in the tech-driven financial landscape of today. Our discussion aims to illuminate the complexities and benefits of effective API integration and management, emphasizing the importance of "Integration in Microservices" for a deeper understanding of its impact on fintech. Lessons You’ll Learn: This segment uncovers key insights into API management, highlighting its necessity for integrating and optimizing the vast digital technologies that businesses depend on. The evolution of APIs and the shift towards a more interconnected digital ecosystem underscore the emergence of API management as a vital service. We explore the challenges and opportunities of API integration, with a focus on "Integration in Microservices," underscoring the importance of scalability and security. This conversation sheds light on API management's role in enabling seamless communication between legacy systems and modern fintech solutions. About Our Guest: Kleber Bacili, CEO of Sensedia, with Sensedia being at the forefront of modern integration platforms, Bacili brings valuable insights into how the company helps businesses navigate the complexities of API, microservices, and the digital landscape. Under his guidance, Sensedia has championed "Integration in Microservices," positioning itself as a leader in modern integration platforms. By Kleber's leadership, Sensedia has become a pivotal player in enabling companies to optimize their tech stacks through strategic API management, ensuring their digital platforms are scalable, secure, and efficiently integrated. Topics Covered: Including an understanding of the intricacies of API management and integration within the fintech industry, this episode covers a range of topics. We discuss different integration patterns such as microservices, event-driven architectures, and service meshes, and explain their significance in the modern digital ecosystem. The conversation also touches on Sensedia's approach to API testing and monitoring, ensuring performance and reliability for fintech companies dealing with high transaction volumes. Furthermore, we delve into how Sensedia facilitates the integration of legacy systems with modern fintech solutions, bridging the gap between old and new technologies. Lastly, the discussion explores the impact of AI on API services and other emerging trends that are shaping the future of digital financial services. Check out our website- https://www.soarpay.com

Feb 5, 2024 • 22min
Fueling Fintech One Hire at a Time with Aditi Jaiswal of Techtrust
Episode Topic: Welcome to an insightful episode of PayPod. We engage Aditi Jaiswal, CEO of Techtrust, in the discussion of "AI in Hiring Trends" within the fintech sector. The discussion sheds light on the unique challenges and opportunities that arise when blending advanced technology with human-centric hiring practices. As AI continues to reshape the landscape of recruitment, especially in tech-centric industries like fintech, understanding its impact and potential is crucial for both employers and job seekers. This episode explores why a specialized service like Techtrust is not just beneficial but essential in navigating the complexities of tech hiring within financial services. Lessons You’ll Learn: Discover key insights into the effective integration of AI in hiring trends, directly from the experiences and strategies of Techtrust. Learn about the evolution of hiring in the fintech industry, the importance of balancing AI technology with human interaction, and the innovative solutions to common recruitment challenges. Discover the key factors that companies and candidates should consider in the current job market, and how AI and other technologies are shaping the future of hiring. This episode is a must-listen for anyone looking to understand the dynamics of tech recruitment and the role of AI in creating more efficient and effective hiring processes. About Our Guest: Aditi Jaiswal, the CEO of Techtrust, brings a decade of expertise in the recruitment industry, with a special focus on the fintech sector. Under her leadership, Techtrust has emerged as a pioneering force in leveraging AI in hiring trends to connect the best tech talent with leading fintech companies. Aditi’s vision for Techtrust revolves around providing quality, reliability, and a human touch in the staffing process, ensuring that both companies and candidates find their perfect match. Topics Covered: Including the origins and background of Techtrust, the significance of specializing in tech positions within the financial services industry, and why their model surpasses traditional recruitment methods, this episode covers a range of topics. We delve into the hiring side of operations, exploring the process from the hiring companies' perspectives, trends in fintech recruitment, and the types of roles in high demand. On the candidate side, we discuss how Techtrust attracts top talent, what candidates prioritize in their job search in 2024, and the screening process for specific roles. Check our website: https://www.soarpay.com

Feb 1, 2024 • 38min
The AI-Assisted Future of the Financial World with Glenn Hopper of Robo CFO
Episode Topic: Welcome to an insightful episode of PayPod. We engage Glenn Hopper, the creator of Robo CFO, in the discussion the focus is on the intersection of finance, AI, and innovation. He shares insights into the evolution of his career and the inception of Robo CFO. The conversation delves into the vast potential for AI in the financial world and why it stands as prime ground for technological innovation. The episode also explores the workings of GPTs (Generative Pre-trained Transformers) and their role in reshaping the financial landscape. Lessons You’ll Learn: There is a profound understanding of how GPTs function and the diverse applications they have in the financial sector. Glenn Hopper shares the intricacies of creating specialized AI professionals tailored for distinct financial tasks. The discussion unfolds the benefits of using GPTs and provides insights into the creation process, feedback loops, and continuous evolution of these AI tools. Moreover, the episode addresses concerns related to job loss in the face of AI advancements, offering nuanced perspectives on the ongoing debate. About Our Guest: Glenn Hopper, the mastermind behind Robo CFO, takes center stage as the guest in this episode. With a rich background in finance and a keen eye for technological advancements, Glenn shares his journey and the pivotal moments that led to the development of Robo CFO. Glenn's expertise and his thoughts on the evolving role of AI in reshaping the financial landscape is an exclusive lore. Topics Covered: The episode covers a wide array of topics, from the genesis of Robo CFO to the implications of AI in the financial industry. Listeners will gain insights into the distinctive features of GPTs and their real-world applications. Glenn delves into the potential beneficiaries of these AI tools, the creation process behind each specialized professional, and the dynamic nature of feedback and updates. The episode also navigates the challenges and opportunities in implementing AI technologies within businesses, providing valuable guidance for CEOs and companies aiming to integrate these transformative tools. Check our website: https://www.soarpay.com

Jan 29, 2024 • 36min
Advising SMBs In An Ever Changing Fintech Landscape with Anupam Satyasheel of Occams Advisory
Episode Topic: Welcome to an insightful episode of PayPod. We engage Anupam Satyasheel, the founder of Occams Advisory, in the discussion about the dynamic journey through the founding and growth of Occams. The episode delves into the background and inspiration that led to the creation of Occams in 2012. With a focus on Occams' three main service verticals – GSBI, FTPS, and CMIB, the discussion explores how the company evolved to offer a wide range of services. The episode also touches upon the benefits for SMBs in partnering with a company that provides such a comprehensive suite of services. Lessons You’ll Learn: Anupam shares invaluable lessons learned during his decade-plus leadership at Occams. From the bold mission statement and philosophies to navigating the challenges of labeling merchants as high-risk, listeners gain insights into the complexities of the fintech industry. The discussion on risk verification evolution and the impact of new technologies provides valuable lessons for anyone in the fintech space. Anupam reflects on his experiences, shedding light on the nuances of leading a company with strong principles and values. About Our Guest: Anupam Satyasheel, the founder of Occams Advisory, emerges as a dynamic entrepreneur with a passion for making a positive impact. Anupam is the inspiration behind Occams and his journey in leading the company through challenges and successes. Anupam's commitment to bold philosophies and values that define Occams. Topics Covered: The episode covers a wide array of topics, including Occams' service offerings, the intricacies of high-risk merchant accounts, the impact of multi-currency solutions, and the evolution of risk verification. An exploration of Occams' proprietary fintech platform gives listeners insights into the company's innovative approach. The discussion also touches on the challenges and rewards of upholding a bold mission statement and the lessons Anupam has gathered along the way. As the podcast unfolds, Anupam shares his excitement for the future, both personally and for the fintech industry in 2024. Check our website: https://www.soarpay.com

Jan 25, 2024 • 22min
A Vertically Integrated Approach to Fintech Investing with Justin Smith of Recharge Capital
Episode Topic: Welcome to an insightful episode of PayPod. We delve into the dynamic world of fintech investing with Justin Smith, the Managing Partner at Recharge Capital. The conversation revolves around Recharge Capital's unique approach to thematic first investing and its focus on fintech infrastructure. The episode explores the firm's big goals, the definition of thematic first investing, and the excitement of operating in the fintech landscape. Lessons You’ll Learn: Discover key insights into Recharge Capital's strategic fintech investment themes, including cross-border payments, US mortgages and servicing, embedded finance, emerging market financial emancipation, and education & wealth building. Justin Smith sheds light on the decision-making process behind choosing these specific themes and offers valuable lessons on scouting, researching, and reaching out to potential investments. The episode also touches on the key characteristics that stand out when considering specific investments, emphasizing the significance of both the founder and the idea/product. About Our Guest: Meet Justin Smith, the Managing Partner at Recharge Capital. With a background rooted in finance and angel investing, Justin, along with his partner Lauren, has been actively shaping the fintech landscape for over a decade. His passion for closing the value chain loop and fostering financial inclusion technologies in emerging markets is at the core of Recharge Capital's mission. Topics Covered: The episode spans Recharge Capital's innovative "Closing the Loop" approach, explaining how vertically integrating best performers creates a connected network that benefits the companies they invest in. Justin also elaborates on the concept of Key Technology Enablers, such as mobile applications, AI, blockchain, and IoT, and their pivotal role in Recharge Capital's investment strategy. The discussion deepens into the evolving landscape of blockchain adoption in the financial world, highlighting its potential roles and current market dynamics. Additionally, Justin shares his thoughts on a standout company in the payments or fintech industry, providing a glimpse into the exciting developments shaping the future of finance. Check our website: https://www.soarpay.com

Jan 22, 2024 • 27min
Removing Anxiety from the Tax Filing Process with Ben Borodach of April
Episode Topic: Welcome to an insightful episode of PayPod. We delve into the dynamic world of tax filing and financial technology with Ben Borodach, Co-Founder at April, an innovative platform. Discover the origins of April, how it emerged as a solution to streamline tax-related tasks, and why the founders identified a need to embed their services within existing platforms rather than opting for a standalone approach. We explore the evolution of the tax filing industry, recent changes in the tax code, and the impact of digitization on the commercial landscape. Lessons You’ll Learn: Discover key insights into the tax filing landscape, including where people are currently filing taxes and how April is reshaping the industry. Our conversation provides valuable perspectives on changing consumer mindsets towards taxes, aiming to alleviate the once-a-year annoyance and frustration. Dive into April's three main industries—Fintech, Financial Services, and Payroll & Benefits—and understand how their embedded products bring added value to end consumers and businesses. About Our Guest: Ben Borodach, is a visionary in the FinTech space, spearheading April's mission to streamline tax processes. With a rich background in technology and finance, they bring a unique perspective to the intersection of artificial intelligence and financial services. The episode provides a glimpse into their career journey, the challenges faced, and the pivotal decisions that led to the creation of April. Topics Covered: The episode spans a spectrum of topics, from the intricacies of the tax-filing industry and the evolution of the tax code to the three main embedded products April offers – Filer, Estimator, and Optimizer. Delve into the industries that benefit most from April's products and learn how each product brings added benefits to both consumers and businesses. Explore the future trends in the financial industry and the transformative potential AI holds, while also unraveling the most significant tax-related story of 2023 and industry inflection points anticipated in 2024. Check our website: https://www.soarpay.com