SEAA | Southeast Acquirers Association

Bill Glass

Welcome to the Southeast Acquirers Association Podcast, where industry leaders and payment professionals come together to explore the dynamic world of acquiring. Join us as we dive into the latest trends, innovations, and challenges shaping the payments landscape.

In each episode, we bring you insightful interviews with thought leaders and experts who share their experiences, strategies, and expertise in navigating the ever-evolving payments industry. Whether you're a seasoned professional or just entering the field, our podcast offers valuable insights to help you stay ahead in this rapidly changing landscape. From discussions on emerging payment methods to deep dives into risk management and compliance, we cover a wide range of topics to keep you informed and inspired.

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29 episodes
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Avg 33 min
English

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#35
Wednesday · 35 min· Video
QuickRefund: Rethinking Chargebacks, Refunds & Merchant Risk
In this episode of the Southeast Acquirers Association Podcast, host Bill Glass sits down with Jeff Foster of QuickRefund to discuss the evolving payments landscape, Visa's Acquirer Monitoring Program (VAMP), and the growing challenges merchants, ISOs, and acquiring banks face in managing disputes and fraud. Jeff shares his journey in the payments industry, the impact of TC40 fraud reports on VAMP compliance, and how QuickRefund is helping merchants reduce unnecessary chargebacks and improve the customer experience. Join us for an insightful conversation about the future of merchant risk management, industry regulation, and the opportunities ahead for the payments ecosystem.
#34
October 7 · 30 min· Video
Cutter Financial: Residuals, Valuations & Exit Strategies
In this episode of the Southeast Acquirers Association Podcast, host Bill Glass talks with Alex Daily from Cutter Financial about the value of merchant residual portfolios and what agents and ISOs can do to make their portfolios more valuable. They discuss how portfolios are valued, reasons owners may choose to sell all or part of their residuals, and how the sale process works. The conversation also covers the future of payments, including new technology, changing merchant needs, and continued industry consolidation. Key takeaway: Building a strong, diversified residual portfolio creates long-term value and gives payments professionals more options for growth, liquidity, or an eventual exit.
#33
October 1 · 24 min· Video
Beyond the Hype: Bringing Crypto & Stablecoins Into Everyday Payments with B4U Financial
On the Southeast Acquirers Association Podcast, host Bill Glass sits down with B4U Financial CEO Jack Williams and CRO Matt Price to discuss how cryptocurrency and stablecoins are evolving from investment assets into practical, everyday payment methods. The conversation explores B4U Financial's approach to making digital-currency payments simple for merchants and consumers, including digital wallets, QR-code checkout, stablecoins, transaction speeds, network fees, KYC, and networks such as Ethereum, Solana, and the Lightning Network. Bill, Jack, and Matt also discuss one of the biggest hurdles facing digital-currency payments: merchant adoption and consumer awareness. Even consumers who hold digital assets may not realize where or how they can spend them. Overall, the episode examines how companies like B4U Financial are working to bridge traditional payment processing with digital currency, giving merchants another way to accept payments while potentially reaching new customers and generating incremental transaction volume. Jack Williams (jack.williams@b4ufinancial.com) Matt Price (matt.price@b4ufinancial.com)
#32
September 23 · 33 min· Video
One Platform, More Possibilities: The GETTRX Story
In this episode of the Southeast Acquirers Association Podcast, Bill Glass sits down with Scott Bryson and Roberto Sato of GETTRX for a conversation about the evolution of the payments industry, technology, and what the future looks like for agents, ISVs, and merchants. Scott and Roberto share their very different paths into payments, from growing up in a payments family and knocking doors at 19 years old to moving from Peru to the U.S. with a computer science background and ultimately helping build the technology that powers GETTRX today. The conversation dives into GETTRX One, their approach to bringing multiple payment capabilities together under a single platform, and why simplifying the experience for agents and merchants has become increasingly important. They also discuss building technology around real customer problems, supporting both traditional and higher-risk verticals, and creating more flexibility through multiple banking and processing relationships. Bill, Scott, and Roberto also look ahead at where payments are heading, including embedded financial services, lending, faster funding, ISV growth, banking-as-a-service, AI's impact on software development, and the growing expectation that merchants can access more of their financial tools from one place. It's a wide-ranging conversation about payments, technology, sales, and how companies can continue evolving without losing sight of the people they serve. Scott Bryson — scottb@gettrx.com Roberto Sato — rsato@gettrx.com GETTRX Team — info@gettrx.com
#31
September 16 · 32 min· Video
What Is Your Payments Portfolio Really Worth?
In this episode of the Southeast Acquirers Association Podcast, Bill Glass sits down with George Csahiouni, Managing Principal of Tripoli Advisors, to discuss how merchant portfolios and payment companies are valued. The conversation covers the key factors investors consider, including residual income, attrition, diversification, cash flow, growth, and operating processes. George also explains how ISOs may be able to borrow against their residual portfolio to access capital without selling it. They also explore the difference between selling a portfolio and selling an entire company, why documented systems and SOPs matter, and how reducing dependence on the founder can help create a more scalable and valuable business. For ISO owners, agents, and payments entrepreneurs, this episode provides a practical look at how investors view the businesses and portfolios we build. George Csahiouni Tripoli Advisors O: 888.892.7870 | M: 847.791.2742 george@tripoliadvisors.com Schedule A Meeting
#30
September 2 · 26 min· Video
Beyond the Swipe: Turning Payments Into Customer Loyalty
In this episode of the SEAA Podcast, Bill Glass sits down with Brian Booth from Enroll & Pay to explore why the future of payments is about far more than rates and terminals. Brian shares his journey from performance-based marketing into payments technology and explains how Enroll & Pay has evolved into an embedded loyalty and data platform that operates directly within the payment flow. The conversation dives into one of the industry's biggest challenges, merchant attrition, and how value-added services like frictionless, card-linked loyalty can create stickier merchant relationships while helping businesses better understand their customers. They discuss how Enroll & Pay uses transaction data to identify customer behavior, increase visit frequency and spending, and deliver measurable ROI to merchants all without requiring customers to download an app, scan a QR code, or repeatedly enter a phone number. Bill and Brian also explore the growing role of AI in data analytics, marketing, and operational efficiency, as well as how ISOs can use loyalty technology not just as an additional revenue stream, but as a powerful tool for reducing churn and strengthening their merchant portfolios.
#29
August 26 · 43 min· Video
Mentom Payments: The New Kid on the Block, Built by Industry Veterans
In this episode, SEAA's Bill Glass sits down with Jordan Stewart and Alexis Lichterman of Mentom Payments to discuss what it takes to succeed in an evolving payments industry. They explore Mentom's agent-first approach, high-risk payments, underwriting, telemedicine, and the growing impact of AI, automation, and embedded payments. Jordan and Alexis also discuss why relationships and responsiveness still matter and what agents should consider before making the leap to becoming their own ISO. A great conversation for agents, ISOs, ISVs, and payments professionals looking to grow and stay ahead of where the industry is headed.
#28
August 19 · 32 min· Video
No Paychecks, No Plan B: The VizyPay Growth Story
In this episode, SEAA's Bill Glass sits down with Frank Pagano, Co-Founder of VizyPay to unpack the unlikely story behind the company's growth, from Frank stumbling into payments around age 40 to realizing just six months in that the business was already roughly a year ahead of plan. Frank gets into the parts of entrepreneurship that don't make the highlight reel: going without paychecks, grinding 12-hour days, questioning whether the whole thing was going to work, and ultimately building a company around three core principles: culture, transparency, and being a voice for small business. They also dig into what's broken in the traditional ISO model, why rural and small-town merchants can get overlooked, VizyPay's approach to merchant service and agent support, and why the biggest split or flashiest bonus doesn't necessarily make an ISO the best place to build your portfolio. If you're in payments, building an agent portfolio, or just appreciate a good entrepreneurial story about betting on yourself, this one is worth a listen.
#27
August 12 · 44 min· Video
The Healthcare Payments Revolution with Jason Noto, Payments attorney at Polsinelli
In this episode, Bill Glass with the SEAA sits down with Jason Noto, payments attorney at Polsinelli, to discuss the rapidly evolving intersection of healthcare, payments, technology, and regulation. They explore healthcare consolidation, PCI and HIPAA compliance, PayFac and ISV models, patient financing, and the growing importance of specialized payments expertise. The conversation also looks ahead at how real-time payments, stablecoins, digital assets, and AI could reshape healthcare payments, fraud prevention, and the patient experience. A practical conversation about where healthcare payments are headed and what providers, software companies, and payment professionals need to be thinking about now.
#26
August 5 · 34 min· Video
Payments NGnair: Your Biggest Competitor Isn't Another ISO, It's Inefficiency!
In this episode of the SEAA Podcast, Bill Glass sits down with Brandon Lee, founder of Payments NGnair, to discuss how the payments industry is evolving and why technology is becoming the key differentiator for ISOs, acquirers, and payment providers. Brandon shares his journey from enterprise technology into payments and explains how outdated infrastructure, disconnected systems, and manual processes are creating unnecessary costs for organizations. Rather than viewing shrinking margins as strictly a pricing issue, he argues that improving operational efficiency through automation and modern technology is the biggest opportunity for long-term growth and profitability. The conversation also explores the growing role of compliance and artificial intelligence in the payments ecosystem. Brandon explains how embedding compliance into everyday workflows can reduce risk while improving transparency and scalability, and how AI has the potential to streamline operations, enhance risk management, and empower teams to work more efficiently. Bill and Brandon conclude by emphasizing the importance of industry collaboration, education, and networking through organizations like SEAA, encouraging payments professionals to continually invest in learning as the industry rapidly evolves.
#25
July 29 · 34 min· Video
PayCompass CEO Justin Volrath on Leadership, Culture & the Future of Payments
In this episode, Bill Glass sits down with Justin Volrath, Founder and CEO of PayCompass, to discuss how he built one of the fastest-growing ISO organizations by challenging traditional payment industry thinking. Justin shares his unlikely journey into merchant services, explains why an agent-first philosophy has fueled PayCompass' rapid growth, and offers practical advice on leadership, recruiting, technology, and scaling a successful payments business. The conversation dives into what separates companies that simply grow from those that build lasting cultures, why empowering sales agents creates better outcomes for everyone, and how AI, embedded payments, and ISV partnerships are reshaping the future of merchant services. Throughout the discussion, both Bill and Justin emphasize that while technology will continue to evolve, trust, relationships, and exceptional service remain the industry's greatest competitive advantages. Three Biggest Takeaways 1. Culture Drives Growth PayCompass' rapid expansion wasn't driven by technology alone—it was built by consistently making decisions that prioritize agents' success and hiring people who genuinely care about serving others. 2. Technology Should Empower, Not Replace From custom-built internal platforms to AI-assisted support, technology works best when it removes friction and helps people perform at a higher level rather than replacing human expertise and relationships. 3. The Future Belongs to Trusted Advisors As embedded payments, ISVs, and AI continue to reshape the industry, successful payment professionals will differentiate themselves through consultative selling, strategic partnerships, and delivering long-term value—not simply processing transactions.
#24
July 22 · 49 min· Video
Can AI transform payments without sacrificing trust, compliance, or human judgment?
In this episode of the SEAA Podcast, host Bill Glass sits down with Leo Patching, founder of Kompliant (now part of LegitScript), and Tom Lineen, President of WestTown Payments to explore one of the most important shifts happening in financial services today: the evolution of AI-powered underwriting, merchant risk, and compliance. Together, they break down what agentic AI actually means in regulated payment environments, why "human-in-the-loop" decision-making remains essential, and how banks, ISOs, PayFacs, and fintechs can leverage AI to improve operational efficiency without creating unnecessary regulatory risk. The conversation dives into the industry's transition from traditional point-in-time underwriting to continuous merchant intelligence, discussing how organizations can better detect fraud, automate onboarding, strengthen ongoing monitoring, and build compliance programs that scale. The episode also explores why explainability, auditability, and defensible decision-making will become the defining characteristics of next-generation payment platforms and why simply deploying AI isn't enough.
#23
July 15 · 49 min· Video
The Future of High-Risk Payments Starts Here: Qredible + Sunfire POS
What if the biggest threat to your business isn't sales—it's compliance? In this episode of the SEAA Podcast, Bill Glass sits down with Noah Fitzgerald (Qredible) and Joan Winnington (Sunfire POS) to discuss how the payments industry is evolving and why traditional underwriting is failing merchants in regulated industries. From CBD and vape to peptides, nutraceuticals, and other high-risk verticals, they break down the technology that's changing compliance from a reactive process into a proactive competitive advantage. You'll hear how Qredible and Sunfire POS have partnered to create a fully integrated compliance and point-of-sale solution that automates product-level compliance, digitizes COAs, continuously monitors merchant risk, and helps businesses stay audit-ready while reducing the manual workload that has traditionally overwhelmed merchants and underwriters.
#23
June 24 · 21 min· Video
CardFlight's Vision for the Future of Merchant Payments
In this episode of the SEAA Podcast, host Bill Glass sits down with Rinda Sutrathada, Senior Account Manager, and Ashley Howard, Partnership Support Associate, from CardFlight to discuss how SwipeSimple is evolving beyond traditional payment acceptance and helping merchants run smarter, more efficient businesses. The conversation explores CardFlight's recently launched SwipeSimple App Marketplace, including integrations like QuickBooks Online Sync, appointment scheduling, text loyalty, and review management. Ashley and Rinda share how merchant and reseller feedback directly influences product development and what's driving adoption across the channel. Bill also dives into some of CardFlight's newest innovations, including Tap to Pay on iPhone, the growing demand for mobile-first payment solutions, and how merchants can leverage SwipeSimple's gateway, invoicing, payment links, recurring billing, and offline payment capabilities to support both card-present and card-not-present environments. The episode wraps up with an exciting preview of CardFlight's upcoming ACH by Nuvei release, bringing ACH acceptance to invoices and payment links and providing merchants with even more flexibility in how they get paid. Whether you're an ISO, agent, reseller, or merchant services professional, this episode offers valuable insight into how CardFlight is helping businesses simplify payments while expanding their operational toolkit. Guests: Rinda Sutrathada | (619) 793-9095 | rinda.sutrathada@cardflight.com Ashley Howard | (917) 579-7829 | ashley.howard@cardflight.com Tune in to hear how CardFlight is shaping the future of merchant payments through innovation, feedback-driven development, and a relentless focus on merchant success.
#22
June 3 · 47 min· Video
Allen Kopelman Reveals the Next Big Shift in Payments and Fintech
In this episode, Bill Glass sits down with Allen Kopelman, Co-Founder and CEO of Nationwide Payment Systems, to discuss the evolution of the payments industry and where it's headed next. Allen shares his journey from restaurant owner to payments executive, offering insights on merchant services, fintech innovation, embedded finance, software solutions, and the strategies businesses can use to stay competitive in an increasingly digital world. They also explore how value-added services like lending, payroll, invoicing, and recurring billing are transforming merchant relationships and creating new growth opportunities for payment professionals. Connect with Allen Kopelman: Website: Nationwide Payment Systems LinkedIn: Allen Kopelman Podcast: B2B Vault Podcast If you enjoyed this episode, be sure to subscribe, leave a review, and share it with others in the payments and fintech community.
#21
March 18 · 26 min· Video
Build vs Buy: The Software Decision That Can Make or Break a Payments Company
In this episode, SEAA sits down with Adam Dill and Josh Adams, co-founders of DBA, to discuss how custom software is transforming modern payments infrastructure. Drawing from their experience building high-performance systems across fintech and other industries, they break down the key considerations payment companies face when deciding whether to build custom software or rely on off-the-shelf solutions. The conversation covers ROI, long-term maintenance costs, compliance requirements, and why a strong back-office architecture is critical to keeping payment systems running smoothly. The discussion also explores how automation and AI are rapidly reshaping the industry. From AI-powered dashboards and workflow automation to the emerging role of AI agents in business operations and consumer purchasing, Adam and Josh share insights on where payments technology is headed. For startups, fintech founders, and payment professionals evaluating custom software, this episode offers practical guidance on building scalable systems and making smart technology investments for the future. Connect with the Guests: Adam Dill & Josh Adams — Co-Founders, Daring Bit Assembly 🌐 https://dbadbadba.com 📧 howdy@dbadbadba.com 📞 (877) 919-4322
#20
March 4 · 27 min
Payroll, People, and Policy: Strengthening Businesses Through Smarter Operations
In this episode, Lauren Tarbuk of Magnify Payroll sits down with Bill Glass of SEAA for an engaging conversation on the critical role payroll, compliance, and operational strategy play in building resilient organizations. Together, they explore how businesses can better support their workforce while navigating regulatory complexity, industry challenges, and growth opportunities. From the importance of choosing the right payroll partner to understanding how advocacy and education strengthen employers, this discussion offers practical insights for business leaders looking to streamline operations, reduce risk, and create a more sustainable future for their teams. Contact Magnify Payroll: Lauren Tarbuk Direct: 412-600-7577 | Email: lauren@magnifypayroll.com
#19
February 18 · 35 min
Powering Payments: A Candid Conversation with PayProTec
In this episode, Nate Manahan of PayProTec sits down with Bill Glass of SEAA for an in-depth conversation on the evolving payments landscape and what it takes to succeed in today's merchant services ecosystem. Together, they explore real-world perspectives on payment processing, operational challenges, risk management, and how providers can better support merchants in an increasingly complex and regulated environment. Nate shares insights from PayProTec's experience working with merchants and partners, while Bill brings an industry-wide lens shaped by advocacy, compliance, and growth strategy. Contact PayProTec: Nate Manahan, Marketing Director Direct: 574-575-6891 | Email: partners@payprotec.com
#18
February 11 · 25 min· Video
Rate Tracker: The Silent Weapon in an Agent's Toolbox
In this episode, we're talking with Daniel Ridley at Rate Tracker, a fintech company focused on bringing transparency to payment processing. Rate Tracker helps businesses understand, monitor, and optimize their credit card processing fees, an area that's traditionally confusing and full of hidden costs. Their core product automatically tracks processing rates and alerts businesses when fees change, giving owners clear visibility into what they're paying and why. Beyond software, Rate Tracker also offers payment processing solutions, POS systems, business lending, and financial health tools all designed to help businesses operate more efficiently and keep more of their revenue. CONTACT INFORMATION: Daniel Ridley E: daniel@ratetracker.io T: 440-387-3047 7100 E Pleasant Valley Rd. Suite 280, Independence, OH 44131
#17
February 4 · 31 min
Qredible: Compliance, Credibility, and the Future of Regulated Commerce
In this episode, Noah Fitzgerald of Qredible sits down with Bill Glass of the SEAA for a candid conversation on why trust and verification have become mission-critical in today's regulated industries. Together, they explore how enhanced background checks, compliance standards, and transparent credentialing are reshaping how businesses operate in high-risk, highly scrutinized markets. From firearms and specialty commerce to payments, partnerships, and platform access, Bill and Noah break down what regulators, consumers, and financial partners increasingly expect—and what businesses must do to stay ahead. Contact Qredible: Noah Fitzgerald, CPP 923 Haddonfield Road Suite 300 Cherry Hill, New Jersey 08002 Office: 844.787.7330 | Direct: 954.646.8883 | Email: noah@qredible.com

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