Xplor Pay

Payment Pulse

About the show

Payment Pulse, a podcast by Xplor Pay with a goal of humanizing and simplifying the complex world of payments. The go-to source for simplified insights into the ever-evolving world of payments. Designed for software providers, SMBs, and industry professionals, our podcast breaks down complex topics like embedded payments, economic trends, and SMB innovations into understandable, engaging discussions. Each week, we deliver episodes that keep you informed on the latest trends, key innovations, and forces shaping the payments landscape—all while keeping things practical and relatable.

Newest episodes

The Economics of Embedded Payments

Nov 13, 2026 15 min

Growing payments volume is encouraging, but volume alone doesn’t show what an embedded payments program contributes to the business. In this episode, Shannon and Michelle discuss how SaaS platforms can review their payments economics. They cover revenue and costs, transaction mix, pricing, the effort required to make changes, and the operational work involved in onboarding and supporting merchants. Listen in to learn how to take a clearer look at your program. 🎧 Subscribe to Payment Pulse for practical insights on payments, industry-trends and strategies to help businesses and SaaS platforms grow. Spotify Apple Podcasts Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

Why Great Payments Programs Need Marketing

Oct 30, 2026 22 min

For Episode 50, Shannon and Michelle discuss why great payments programs need ongoing, merchant-focused marketing, not just a launch campaign. They cover how to identify adoption barriers, tailor messages to different customer groups, reduce the perceived risk of switching, and measure what happens after a click or enrollment. Plus, six questions to help SaaS teams build a smarter payments marketing strategy. 🎧 Subscribe to Payment Pulse for practical insights on payments, industry-trends and strategies to help businesses and SaaS platforms grow. Spotify Apple Podcasts Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

Optimizing Payments with Least Cost Routing

Oct 23, 2026 17 min

As your SaaS platform’s payments program grows, how effectively are you managing the economics of the transactions you already process? In this episode, Shannon is joined by Mark Passifione, Senior Vice President of Integrated Payments at Xplor Pay, to break down least cost routing (LCR) and its role in payments optimization. They cover: • What least cost routing is and how debit routing works • How regulated and unregulated debit factor into the discussion • Why no single network is always the lowest-cost option • How eligible debit volume, transaction characteristics, and available networks influence potential savings • What SaaS leaders should ask their payments provider as their program matures Read more about least cost routing: https://xplorpay.com/blog/what-is-least-cost-routing-a-guide-for-software-platforms/ 🎧 Subscribe to Payment Pulse for practical insights on payments, industry-trends and strategies to help businesses and SaaS platforms grow. Spotify Apple Podcasts Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

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All episodes

The Economics of Embedded Payments

Nov 13, 2026 15 min

Why Great Payments Programs Need Marketing

Oct 30, 2026 22 min

Optimizing Payments with Least Cost Routing

Oct 23, 2026 17 min

Why Credit Cards Get Declined

Oct 16, 2026 9 min

Why do credit cards get declined, and what should your business do when it happens? A declined payment doesn’t automatically mean a customer has insufficient funds or no available credit. Noelle and Joe explain what happens during payment authorization and how small businesses can respond when a transaction doesn’t go through. You can’t prevent every decline, but having a clear process can help your team keep checkout moving and give customers another way to complete their purchase. 🎧 Subscribe to Payment Pulse for practical conversations that help small business owners make more informed payment decisions. Spotify Apple Podcasts Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

What Could Your Software Platform Start Doing?

Sep 25, 2026 15 min

What work could your software platform start doing for customers? In this episode, Shannon and Michelle share a practical starting point for vertical SaaS platforms thinking about AI: map the customer’s entire workflow, including what happens outside the product. Where do people still handle repetitive decisions, manual follow-up, handoffs, or payment steps? They also look at how payments could become part of a larger workflow as platforms move from recommending actions to completing authorized ones. For a deeper discussion, watch the executive conversation with Luke Sophinos, Mark Passifione, and Daniel Burton and get the From Vertical SaaS to Agentic roadmap. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcasts Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

Card Present vs Card-Not-Present: What's the Difference?

Sep 18, 2026 10 min

What determines whether a transaction is card present or card not present? The answer involves more than whether a physical card is in the room. In this episode of Payment Pulse, Noelle and Joe explain how payment credentials are captured and why that distinction matters. They cover common card-present transactions, such as tap and chip payments, as well as card-not-present transactions made through online checkouts, virtual terminals, invoices, and payment links. You’ll also learn why card-not-present payments may carry different fraud risks and processing costs, how manually entered transactions are categorized, and what businesses can do to accept remote payments more securely. Whatever way a customer decides to pay, understanding these transaction types can help businesses choose the right payment experience for each situation. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcasts Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

Are You Solving the Right Customer Problem?

Sep 11, 2026 16 min

Your customers are telling you what they want. But are theirfeature requests pointing you toward the right problem? In this episode of Payment Pulse, Shannon and Michelle sharehow SaaS platforms can separate a customer’s requested solution from the underlying challenge they’re trying to solve. You’ll learn: How to uncover the need behind a feature request What turns isolated feedback into evidence of a broader problem Why adoption challenges may stem from positioning, onboarding, enablement, or the customer experience How Marketing can contribute to customer listening before a product launches How to evaluate opportunities using a simple Problem, Evidence, and Value framework Listen to learn how better customer listening can lead tosmarter roadmap decisions. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning paymentsinto a strategic advantage. Spotify Apple Podcasts Follow Xplor Pay on Social Media: FacebookInstagram Threads XLinkedInYouTube

Where Should VSaaS Companies Invest Next

Aug 28, 2026 57 min

AI is reshaping product strategy, organizational structures, customer workflows, and the way founders think about long-term enterprise value. Daniel Burton, VP of Payments at Xplor Pay, is joined by Mark Passifione, SVP of Integrated Payments at Xplor Pay, and Luke Sophinos, founder of Vertical SaaS Group. Together, they discuss how vertical SaaS leaders can determine where to invest next and why listening to customers is only the beginning. They cover: How AI is changing product development and organizational structures Why simple, scalable solutions often create more value than feature-heavy products The growing potential of agentic workflows When embedded payments should become part of a platform’s strategy How payments can help fund a platform’s evolution from a single product to an end-to-end solution Listen to practical perspectives on building a vertical SaaS platform that can continue adapting, differentiating, and creating value. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

Meeting Customer Expectations at Checkout

Aug 21, 2026 9 min

Customers have more ways to pay than ever, from contactless cards and mobile wallets to online checkout, self-service kiosks, and payment links sent by text or email. As these options become part of everyday life, they’re also changing what customers expect from businesses. In this episode of Payment Pulse, Noelle and Joe discuss how payment flexibility can improve the customer experience by making checkout faster, simpler, and more convenient. You’ll also learn why businesses don’t need to offer every payment technology available, and why the right options should make operations easier for employees as well as customers. Tune in to learn how reducing friction at the final stage of the customer journey can help businesses deliver a better overall experience. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

Building a Better Payments Launch Process

Aug 14, 2026 43 min

Launching embedded payments involves much more than completing a technical integration. It requires cross-functional alignment, thoughtful planning, customer education, and a long-term strategy for driving adoption. In this episode of Payment Pulse, Shannon speaks with Hannah, Senior Director of Payments for the partner channel at Xplor Pay, about what happens after a SaaS platform selects a payments partner. They discuss how launch teams coordinate product, development, sales, marketing, and customer success; why every launch plan should reflect the software provider’s unique business; and which common mistakes can slow adoption. Whether you’re evaluating embedded payments, preparing for implementation, or looking to improve an existing program, this conversation offers a behind-the-scenes look at what it takes to launch successfully, and to continue growing after launch day. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

How Funding Impacts Your Business Cash Flow

Jul 24, 2026 8 min

Making a sale is important, but that revenue cannot support your business until it reaches your bank account. In this episode of The Payment Pulse, Noelle and Joe explain how payment funding affects business cash flow. They walk through what happens after a customer completes a card transaction, why deposits may not match the previous day’s sales, and how batch cutoff times, fees, refunds, and chargebacks can affect funding. They also compare standard and next-day funding, discuss the value of predictable deposit schedules, and explain why funding should be considered alongside rates when evaluating a payment processor. Tune in to learn how a better understanding of your funding process can help you forecast cash flow, reconcile deposits, manage expenses, and make more confident business decisions. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

Payments Models vs. Payments Maturity

Jul 17, 2026 18 min

Should your software company become a payment facilitator?Move beyond a referral model? Gain more control over its payments program? These are important questions, but they may not be the bestplace to start. In this episode of Payment Pulse, Shannon and Michelleexplain why a company’s payments model and its payments maturity are not the same thing. A payments model determines how a program is structured.Payments maturity reflects how effectively a software company builds, operates, grows, and improves its payments business over time. Shannon and Michelle discuss the five-stage Embedded Payments Maturity Model and share: · What each stage looks like · Why payments programs often plateau after launch · How software companies can align their paymentsstrategy with their changing business priorities. Whether your company recently launched payments or has been processing transactions for years, this episode will help you identify where your program stands- and which capability you may need to build next. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning paymentsinto a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

Why Payments Plateau

Jul 10, 2026 14 min

Launching embedded payments is a major milestone, but it’s not the finish line. Shannon and Michelle discuss why some payments programs continue growing while others plateau after a strong launch. They discuss why technology alone doesn’t create long-term payments success, how merchant adoption signals future momentum, and why existing customers may be one of the biggest growth opportunities for software companies. Listen to learn how software companies can move beyond launch, improve adoption, and build a payments program that grows with their business. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

Understanding Chargebacks

Jun 29, 2026 10 min

Chargebacks can be frustrating for businesses, but they become much easier to manage when you understand how they work. In this episode of Payment Pulse, Noelle and Joe explain what chargebacks are, why they happen, and how businesses can respond when a customer disputes a transaction. They discuss the difference between true fraud and friendly fraud, common reasons chargebacks occur, and why documentation is so important during the dispute process. The conversation also covers practical ways businesses can help reduce chargebacks, including clearer communication, transparent policies, prompt refunds, accessible customer support, and organized recordkeeping. Tune in to learn how businesses can feel more prepared, respond more confidently, and work with the right payments partner to make chargebacks less intimidating. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

What Investors See in SaaS Payments

Jun 18, 2026 10 min

Embedded payments are increasingly becoming part of investor diligence and broader conversations around growth, monetization, retention, and enterprise value. In this episode of Payment Pulse, Shannon and Michelle discuss what investors look for when evaluating a SaaS payments program. They share why payments adoption, attach rate, merchant activation, internal ownership, and long-term strategy can reveal important differences between software companies that may otherwise look similar on paper. The conversation also introduces the Payments Maturity Framework from Xplor Pay’s Investor & Operator Guide to Embedded Payments, including how operators can evaluate where their payments program stands today and where it may need to go next. Download the Investor & Operator Guide to Embedded Payments. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: FacebookInstagram Threads XLinkedIn YouTube

Getting Leadership Buy-In for Embedded Payments

Jun 5, 2026 14 min

Getting leadership buy-in for embedded payments takes more than a revenue projection. Shannon and Michelle discuss how software companies can build a stronger business case for embedded payments by connecting the opportunity to customer experience, monetization, retention, product innovation, and long-term business value. They also break down the questions leadership teams are likely to ask before moving forward. Listen to learn how to position embedded payments as a customer experience initiative, revenue strategy, monetization opportunity, and long-term business growth lever. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

How to Choose the Right Payment Partner

May 29, 2026 6 min

Choosing a payments partner is one of the most important decisions a business owner can make- and it goes far beyond asking, “What’s your rate?” Noelle and Joe discuss what merchants should consider when evaluating a payments provider, from support and transparency to technology, funding timelines, reporting, scalability, and customer experience. They also explore why the cheapest option may not always be the best fit, how the right partner can help with challenges like chargebacks, fraud concerns, PCI compliance, and funding delays, and why payments should be viewed as part of the broader business ecosystem- not just a back-office function. Whether you’re choosing a provider for the first time or considering switching partners, this episode shares practical questions to ask and key factors to evaluate before making a decision. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram Threads X LinkedIn YouTube

Virtual Cards & B2B Evolution

May 22, 2026 9 min

Virtual cards are part of a bigger shift in how businesses manage spend, payouts, and financial workflows. In this episode, Shannon and Michelle discuss how virtual cards are changing B2B payments by giving businesses more control, visibility, and efficiency. They break down why finance teams are moving away from manual processes like checks, ACH transfers, shared cards, and reimbursement workflows, and how virtual cards can help reduce friction across accounts payable, contractor payments, field services, and distributed teams. Listen to learn why virtual cards are becoming a foundation for the next evolution of B2B payments. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram X LinkedIn YouTube

Offsetting Processing Fees with Cost Saving Programs

May 8, 2026 6 min

Payment processing fees are a regular part of doing business, but there are programs that can help make those costs more manageable. In this episode, Noelle and Joe discuss cost savings programs that can help businesses reduce or offset the cost of accepting credit cards. They break down three common approaches- cash discounting, surcharging, and dual pricing- and explain how each one works. You’ll learn how these programs differ, why compliance and signage matter, and how businesses can choose an approach that supports their margins while keeping the customer payment experience clear and seamless. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcasts Follow Xplor Pay on Social Media: Facebook Instagram X LinkedIn YouTube

Agentic Commerce

May 1, 2026 7 min

What happens when AI doesn’t just recommend purchases- but actually makes them? In this episode, we break down agentic commerce: a shift where systems, not people, trigger and complete transactions. Instead of optimizing checkout experiences for humans, software platforms now need to support transactions that happen in the background- driven by logic, preferences, and automation. In this episode, you’ll learn: • What agentic commerce means • How AI is changing the role of the “buyer” • Why APIs (not UX) are becoming the foundation of payments 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook⁠ Instagram X LinkedIn YouTube

Why Static Payments Models Limit SaaS Growth

Apr 24, 2026 7 min

Most SaaS platforms treat payments like a one-time decision. Pick a model. Launch it. Move on. But that approach can quietly limit your growth. In this episode of Payment Pulse, Shannon and Michelle break down why static payment models create hidden revenue ceilings, and how top SaaS companies adapt their strategy over time to drive adoption, improve margins, and unlock more revenue. You’ll learn: • Why the highest margin model isn’t always the best starting point • How static models create friction across onboarding and sales • Why different customer segments need different approaches 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram X LinkedIn YouTube

Turn Payments Data into Product Decisions

Apr 10, 2026 9 min

Most SaaS teams think they understand their customers. But do they really know how their customers make money? In this episode of Payment Pulse, Shannon and Michelle break down how payments data gives product teams a clearer view into customer behavior, revenue patterns, and hidden friction points. Instead of relying on feature requests or assumptions, payments data shows: • Where customers struggle (and why) • Early warning signs of churn • Opportunities to increase revenue and retention • What to prioritize on your product roadmap next From real-world examples like failed recurring payments and delayed invoices to strategic frameworks for prioritization, this episode explores how payments data can transform your roadmap from reactive to revenue-driven. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram X LinkedIn YouTube

Understanding Interchange and Payment Pricing Models

Apr 3, 2026 9 min

If you’ve ever looked at your merchant statement and wondered what all those payment processing fees mean, you’re not alone. In this episode of Payment Pulse, Noelle and Joe break down the fundamentals of interchange and payment pricing models so you can better understand where your money is going and how to evaluate your payment setup. You’ll learn: • What interchange fees are and why they vary • The differences between flat rate, tiered, and interchange plus pricing • Key considerations when evaluating your current payment plan Whether you're a business owner, operator, or software platform, this episode will help demystify payment pricing so you can make more informed decisions. Listen now to better understand your merchant statement and uncover opportunities to optimize your payments strategy. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram X LinkedIn YouTube

Embedded vs Integrated Payments

Mar 20, 2026 10 min

What’s the difference between embedded payments and integrated payments? And why does it matter for SaaS platforms? Shannon and Michelle break down one of the most talked-about (and often misunderstood) topics in fintech and vertical SaaS. You’ll learn: What integrated payments actually mean in practice How embedded payments create a more seamless user experience When each model makes sense based on your growth stage We also share a real-world example from a dental software platform that saw: ✔ 1500% increase in processing volume ✔ 27% lift in payment attach rate ✔ 11% reduction in inactive accounts This episode is perfect for those looking to make smarter decisions about their payments strategy. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram X LinkedIn YouTube

Payments as a Revenue Engine

Mar 6, 2026 6 min

Many platforms start with payments as a feature. But the highest-performing companies treat payments as a business line- with clear ownership, KPIs, marketing support, and executive visibility. Shannon and Michelle discuss how vertical SaaS platforms turn embedded payments into one of the most powerful revenue drivers in the business by talking about: Why adoption doesn’t happen by accident How marketing drives attach rates The role of sales compensation and executive ownership Why operator-led partners accelerate growth Learn everything that separates stalled payments adoption from a true revenue engine in this episode. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram X LinkedIn YouTube

AI Readiness for Software Providers

Feb 20, 2026 8 min

AI readiness isn’t about launching a chatbot or adding generative features to your interface. Shannon and Michelle break down what AI readiness really means for software leaders, and why the foundation starts with payments, data, and integrations. We cover: Why messy data and manual reconciliation block AI progress The difference between enabling payments and owning the payments experience How fragmented integrations create technical debt The risks of rushing AI into critical systems like payments Practical steps leaders can take today to build a future-ready platform If you’re feeling pressure to define your AI strategy, this episode will help you focus on the long game. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcasts Follow Xplor Pay on Social Media: Facebook⁠ Instagram X LinkedIn YouTube

How to Read Your Merchant Statement

Feb 13, 2026 8 min

Most business owners want visibility into their payments. But merchant statements can feel overwhelming when you’re juggling everything else. In this episode of Payment Pulse, Noelle and Joe walk through how to read a payment processing statement in a practical, time-efficient way. They explain where to start, what each section is telling you, and which details actually matter so you can review your statement with confidence—without spending hours on it. From the quick view summary and transaction breakdowns to interchange fees, deposits, and disputes, this episode is designed to help busy business owners get clarity without adding another task to their to-do list. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram X LinkedIn YouTube

Turning Payments into a Retention Strategy

Feb 6, 2026 8 min

Payments are one of the most overlooked and most powerful retention levers in SaaS. In this episode of Payment Pulse, we explain how embedded payments drive customer stickiness by creating habits, reinforcing trust, and enabling transaction-based growth. From micro-frictions like tab-hopping and manual reconciliation to the compounding impact of reliable payouts and transparent fees, we share why customers who run their money through your platform are far less likely to churn. If you’re a SaaS leader who still views payments as a utility, this episode will change how you think about retention, lifetime value, and long-term growth. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook Instagram X LinkedIn YouTube

What to Look for in a Payments Partner

Jan 23, 2026 8 min

Choosing a payments partner is often treated as a technical decision. But in reality, it’s a strategic one that impacts revenue, retention, and merchant trust. In this episode of Payment Pulse, we break down what vertical SaaS providers should actually evaluate when selecting a payments partner, based on real-world experience owning and operating more than 20 vertical SaaS platforms. We cover: • Why getting “live” isn’t the finish line for payments integrations • The importance of production-like, end-to-end testing environments • How support models impact merchant adoption and platform churn • How the right payments partner helps platforms integrate, monetize, and grow If you’re evaluating a payments partner, or rethinking the one you already have. this episode offers a practical framework grounded in real operating experience. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify Apple Podcasts Follow Xplor Pay on Social Media: Facebook⁠ Instagram X LinkedIn YouTube

Payment Processing 101

Jan 16, 2026 7 min

What actually happens when a customer taps their card,swipes, or pays online? In this episode of Payment Pulse, we break down the basicsof payment processing in plain language- no jargon here! This conversation is designed to help small business owners feel more confident and in control of their payments. Note that there’s no need to become a payments expert. But understanding how the system works can help you ask better questions, trust your numbers, and run your business with more confidence. 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SMB growth, and turning payments into a strategic advantage. Spotify:https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Apple Podcast:https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902 Follow Xplor Pay on Social Media: Facebook: ⁠https://www.facebook.com/XplorPay⁠ Instagram: https://www.instagram.com/xplorpay X: ⁠https://x.com/XplorPay⁠ LinkedIn: ⁠https://www.linkedin.com/company/xplorpay/⁠ YouTube: ⁠https://www.youtube.com/@XplorPay

Payment Metrics that Matter

Jan 9, 2026 8 min

Payments can tell you a lot about your SaaS business- if you know which metrics actually matter. In this episode of Payment Pulse, hosts Shannon and Michelle kick off the season by breaking down five payment KPIs that truly drive SaaS growth- not vanity metrics that look good on a dashboard but don’t lead to better decisions. If you’re planning a new product roadmap, refining your go-to-market strategy, or evaluating how payments impact revenue and retention, this episode will help you focus on what really works. 🔗 Referenced in this episode:Read the full breakdown of these SaaS payments metrics on the Xplor Pay blog:https://xplorpay.com/blog/saas-payments-metrics/ 🎧 Subscribe to Payment Pulse for more insights on embedded payments, SaaS growth, and turning payments into a strategic advantage. Spotify Apple Podcast Follow Xplor Pay on Social Media: Facebook: ⁠https://www.facebook.com/XplorPay⁠ Instagram: https://www.instagram.com/xplorpay X: ⁠https://x.com/XplorPay⁠ LinkedIn: ⁠https://www.linkedin.com/company/xplorpay/⁠ YouTube: ⁠https://www.youtube.com/@XplorPay

2026 Payments Trends: What SaaS Platforms Need to Know

Dec 12, 2025 7 min

Michelle and Shannon break down the biggest payment trends shaping SaaS growth heading into 2026. Topics covered include: Why frictionless payment experiences boost stickiness and reduce churn The growing role of AI in automation and agentic commerce What SaaS platforms should be investing in right now to stay ahead Dive deeper into the trends by downloading our white paper: http://try.xplorpay.com/payment-trends/ Follow Xplor Pay on Social Media: Facebook | X | LinkedIn | YouTube Payment Pulse Available on: Spotify | Apple Podcast

Visa & Mastercard Settlement

Dec 5, 2025 9 min

Shannon and Michelle discuss the newly proposed Visa andMastercard settlement: what’s changing, who benefits, and what merchants can do about it right now. We cover: The top five things merchants should knowWhat ISVs, software platforms, and agents need to prepare forPractical cost-saving steps merchants can take today This settlement isn’t final yet, but understanding theimpact now is key for staying competitive. https://xplorpay.com/ Follow Xplor Pay on Social Media: Facebook: ⁠https://www.facebook.com/XplorPay⁠ X: ⁠https://x.com/XplorPay⁠ LinkedIn: ⁠https://www.linkedin.com/company/xplorpay/⁠ YouTube: ⁠https://www.youtube.com/@XplorPay Payment Pulse Available on: Spotify:https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Apple Podcast:https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

Tap on Phone

Nov 24, 2025 9 min

In this episode of the Payment Pulse Podcast, Shannon and Michelle break down one of the most exciting innovations in payments today: Tap on Phone. From eliminating external hardware to creating a faster, more natural checkout experience, tap on phone is transforming how businesses accept payments, especially those on the move. In this episode, you’ll learn: What tap on phone isHow tap on phone improves cash flow, removes friction, and boosts customer experienceHow vertical SaaS platforms can integrate tap on phone to stand out Whether you're a merchant looking for a more flexible way to accept payments or a SaaS leader exploring embedded payment options, this episode shows why tap on phone is quickly becoming a must-have capability. https://xplorpay.com/ Follow Xplor Pay on Socials: Facebook: ⁠⁠https://www.facebook.com/XplorPay⁠ ⁠ X: ⁠⁠https://x.com/XplorPay⁠ ⁠ LinkedIn: ⁠⁠https://www.linkedin.com/company/xplorpay/⁠ ⁠ YouTube: ⁠⁠https://www.youtube.com/@XplorPay ⁠ Payment Pulse Available on: Spotify: ⁠https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t⁠ Apple Podcast: ⁠https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

Faster Payments

Oct 2, 2025 5 min

In this episode of Payment Pulse by Xplor Pay, Claudia and Michelle dive into why faster payments are becoming the next big strategic advantage for SaaS platforms. They break down: • What “faster payments” really means in the B2B space • How faster funding will keep more SMBs afloat • How SaaS providers can benefit from offering faster payments. Whether you’re a SaaS provider or a small business owner, this episode highlights how payments innovation is shaping the future of growth. https://xplorpay.com/ Follow Xplor Pay on Socials: Facebook: ⁠https://www.facebook.com/XplorPay⁠ X: ⁠https://x.com/XplorPay⁠ LinkedIn: ⁠https://www.linkedin.com/company/xplorpay/⁠ YouTube: ⁠https://www.youtube.com/@XplorPay Payment Pulse Available on: Spotify: https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

The Xplor Pay Rebrand Story

Aug 22, 2025 11 min

Join us as we sit down with Claudia Tumulty the VP of Marketing at Xplor Pay (formerly Clearent by Xplor) to dive into their bold rebranding and what it means for embedded payments. Learn how, as of July 1, 2025, Xplor Pay pivoted from traditional credit card processing to becoming a true embedded payments partner—delivering flexible, scalable, and powerful solutions through their purpose-built PayFac as a Service platform.Tune in to hear how Xplor Pay is changing the game for SaaS platforms, merchants, and developers.Read the press release: https://www.prnewswire.com/news-releases/clearent-by-xplor-rebrands-to-xplor-pay-leader-in-vertical-saas-platform-payments-302499488.htmlhttps://xplorpay.com/Follow Xplor Pay on Socials:Facebook: ⁠https://www.facebook.com/XplorPay⁠X: ⁠https://x.com/XplorPay⁠LinkedIn: ⁠https://www.linkedin.com/company/xplorpay/⁠YouTube: ⁠https://www.youtube.com/@XplorPayPayment Pulse Available on:Spotify: https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Youtube: https://youtube.com/playlist?list=PLfIF1nyOWRy7fpOim9mt9NS4le9nZWCbw&feature=shared

Surcharging and Cash Discount for Vertical SaaS Part 2

Jul 18, 2025 25 min

In Part 2 of our embedded pricing series, we dig deeper into how SaaS platforms can safely implement surcharging, dual pricing, and cash discounting—and why doing it right can unlock meaningful revenue.Join Matt Morrow and Chris Ryan from Xplor Pay as we explore:How these models impact take rate and platform profitability- When surcharging might backfire (think high-ticket industries)- What technical and compliance requirements to plan for- Key differences between cash discounting and dual pricing- How to design platform guardrails to prevent noncompliance- What to look for in a payments partnerIf you missed Part 1, be sure to check it out first to understand the legal landscape and core model definitions.https://youtu.be/7d_2XJA2oTUSubscribe and follow for more insights into embedded payments, fintech strategy, and SaaS monetization.Need help navigating these models? Connect with our team or find links in the description.https://xplorpay.com/Follow Xplor Pay on Socials:Facebook: ⁠https://www.facebook.com/XplorPay⁠X: ⁠https://x.com/XplorPay⁠LinkedIn: ⁠https://www.linkedin.com/company/xplorpay/⁠YouTube: ⁠https://www.youtube.com/@XplorPay

Surcharging and Cash Discount for Vertical SaaS Part 1

Jul 3, 2025 22 min

In this episode of Payment Pulse by Clearent by Xplor, host Steve Bell is joined by Matt Morrow, President of Payments at Xplor Technologies, and Chris Ryan, Chief Risk Officer, to break down the rising buzz around surcharging, cash discounting, and dual pricing for vertical SaaS providers.With over 30 years of combined payments experience, Matt and Chris unpack:- Why alternative pricing models are gaining traction with software providers- The critical differences between surcharging, cash discounting, and dual pricing- Compliance complexities and state-specific rules software providers need to know- Common misconceptions software teams have when enabling these programs- The role SaaS platforms play in managing risk and delivering a compliant merchant experienceThis is Part 1 of 2 simplifying alternative pricing models and how software providers can implement them to support merchants while driving new revenue streams. https://xplorpay.com/ Follow Xplor Pay on Socials: Facebook: https://www.facebook.com/XplorPay X: https://x.com/XplorPay LinkedIn: https://www.linkedin.com/company/xplorpay/ YouTube: https://www.youtube.com/@XplorPay Payment Pulse Available on All Platforms: YouTube Playlist: Payment Pulse Podcast Spotify: https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

Is the Economy Turning a Corner? Part 2

Jun 20, 2025 16 min

In Part 2, Steve and Max explore how small business owners are feeling the ripple effects of inflation, labor shortages, and trade policy shifts. While national economic data paints a mixed picture, Main Street is facing real challenges—and making tough decisions.They discuss:- Declining small business optimism- The biggest headwinds facing SMBs right now- Practical questions and strategies for navigating 2025’s economic uncertaintyWhether you're a business owner or industry observer, this episode offers grounded, actionable insights.https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials LinkedIn: https://www.linkedin.com/company/clearent/ Facebook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Check Our Podcast – Payment Pulse YouTube Playlist: Payment Pulse Podcast Spotify: https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

Is the Economy Turning a Corner? Part 1

Jun 6, 2025 17 min

In Part 1 of this episode of Payment Pulse, Steve and Max dig into the latest economic data to answer a pressing question: Are we finally seeing signs of a turning point in the U.S. economy—or just more noise? From inflation trends and labor market signals to shifts in consumer spending, the hosts break down what the April numbers are telling us—and what to look for in the weeks ahead as new data rolls in. With tariffs, job openings, and retail activity all in flux, this episode offers a clear-eyed look at how these macroeconomic signals might impact small businesses across the country. Topics covered: April’s CPI and PPI numbers and their real-world implications Labor market stability—or early warning signs? What a drop in retail sales and services activity could mean for Q2 Tariffs, uncertainty, and what to watch next Tune in for a fast, insightful breakdown of today’s economy and what small business owners should keep an eye on.https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials LinkedIn: / clearent Facebook: / goclearent X: https://x.com/GoClearent Check Our Podcast – Payment Pulse YouTube Playlist: Payment Pulse Podcast Spotify: https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

Scaling Software with Payment APIs

May 16, 2025 18 min

In this episode of Payment Pulse, we’re joined by Ron, Clearent by Xplor’s Vice President of Product, to explore the powerful and strategic role APIs play in helping software platforms scale.Whether you're a product leader planning your next integration, or a platform exec thinking globally, this episode will give you a clear view into how APIs—when built to scale—can unlock your platform’s next stage of growth.PayFac as a Service Myth Busting Webinar: https://try.clearent.com/pfaas-mythbusting/Connect with Ron: https://www.linkedin.com/in/ronaldpsmithjr/Want to strategize your payment solution? https://clearent.com/getting-started/https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials LinkedIn: https://www.linkedin.com/company/clearent/ Facebook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Check Our Podcast – Payment Pulse YouTube Playlist: Payment Pulse Podcast Spotify: https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

Embedded vs Integrated Payments with Mark Passifione

May 9, 2025 30 min

In this special episode of Payment Pulse, Steve sits down with payments industry veteran Mark Passifione, SVP of Integrated Payments at Clearent by Xplor, to break down the differences between embedded and integrated payments—and what SaaS companies should consider when choosing the right solution. With over 26 years of experience in both software and payments, Mark brings unmatched perspective and real-world insights. Together, they explore: - The key differences between embedded and integrated payments - How each impacts user experience, brand control, and speed to market - Where each model fits in a software company’s growth journey - A powerful case study on how embedded payments increased revenue and adoption for a dental software provider Whether you're a startup looking to scale fast or a legacy software platform evaluating how to monetize payments, this episode is packed with practical guidance you don’t want to miss. Don’t forget to like, comment, and subscribe for more insights into the future of payments. LINKS:Connect with Mark on LinkedIn: https://www.linkedin.com/in/markpassifione/ Want to strategize your payment solution? https://clearent.com/getting-started/About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials: LinkedIn: https://www.linkedin.com/company/clearent/ Facebook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Payment Pulse on All Platforms:Spotify: https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t YouTube: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902 Apple Podcas...

Small Business Update: Navigating Uncertainty

May 2, 2025 29 min

In this episode of Payment Pulse, Steve and Max unpack the state of U.S. small and medium-sized businesses as they wrapped up 2024 and kicked off Q1 2025. We dive into revenue trends across key sectors, evolving employment and wage dynamics, and how recent Fed rate cuts have reshaped capital access for SMBs. Then, we explore what these shifts mean for software providers and payment technology partners: from transparent pricing and AI-driven fraud prevention to seamless integration and resource-friendly onboarding. Tune in for actionable insights on how ISVs can help SMBs boost productivity, manage risk, and thrive amid ongoing economic uncertainty. Join us and discover the payment strategies and tech priorities that will define small business success in the year ahead. https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials LinkedIn: https://www.linkedin.com/company/clearent/ Facebook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Payment Pulse on All Platforms: YouTube Playlist: Payment Pulse Podcast Spotify: https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

How to Monitor Merchant Portfolio Health

Apr 25, 2025 23 min

Join Steve Bell and Max on this episode of Payment Pulse as they dive into the essential practices for keeping your merchant portfolio in peak condition. With U.S. merchants processing over $8 trillion in e-commerce last year, even small imbalances can lead to costly chargebacks, fraud losses, or—worst case—processor termination. Whether you’re a software provider, ISO, or sales rep, understanding how to maintain portfolio health is crucial to long-term success. In this episode, you’ll learn how to categorize merchants by risk level and spot trouble before it starts; track the four KPIs every provider needs on their dashboard—transaction volume, chargeback ratio, retention rate, and revenue per merchant; and implement proactive strategies, from rigorous KYC/AML onboarding and real-time fraud detection to ongoing merchant education and regular portfolio audits. Tune in now to reduce risk, boost retention, and drive revenue growth—and if you need expert support, reach out to Clearent by Xplor to see how we can help. https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials LinkedIn: https://www.linkedin.com/company/clearent/ Facebook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Check Our Podcast – Payment Pulse YouTube Playlist: Payment Pulse Podcast Spotify: https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

The Costs of Poor Payment Experience

Apr 18, 2025 13 min

Dive into this week’s Payment Pulse with Steve Bell and Max as they uncover the true costs of a poor payment experience—and how seamless checkout journeys can make or break your bottom line. They unpack what makes a payment experience “poor,” from legacy system failures and manual interventions to the operational and customer fallout of returns, chargebacks, and abandoned carts; explore how modern payment platforms—built on high‑availability infrastructure, consolidated integrations, and automated exception workflows—can reduce costs and delight shoppers; and highlight three non‑negotiables for long‑term success: stability, omnichannel optimization, and self‑service tools. Whether you’re a merchant, software provider, or platform partner, this episode will help you transform payment pain points into growth opportunities. https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials LinkedIn: https://www.linkedin.com/company/clearent/ Facebook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Payment Pulse on All Platforms: YouTube Playlist: Payment Pulse Podcast Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

Tariffs Impact on SMBs and Payments

Apr 11, 2025 17 min

In this episode of Payment Pulse by Clearent by Xplor, hosts Steve and Max unpack the impact of economic and policy uncertainty on the payments industry. They delve into how tariffs—government-imposed taxes on imported goods—can drive up prices, fuel inflation, and shift consumer spending habits, while also offering temporary advantages to domestic producers. The discussion highlights recent tariff actions, including policy reversals that have added to market unpredictability, and explores how these economic forces influence transaction volumes and cash flow for payment providers. Perfect for small business owners and industry insiders alike, the episode offers practical advice on navigating rising costs, adapting pricing strategies, and leveraging integrated payment solutions to manage uncertainty. Tune in for clear, informed insights designed to simplify the complex world of payments. https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials LinkedIn: https://www.linkedin.com/company/clearent/ Facebook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Available On All Major Platforms: YouTube Playlist: Payment Pulse Podcast Spotify: https://open.spotify.com/show/6YldlBM3l4MItNj0PujO0t Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

PayFac as a Service Exposed

Mar 28, 2025 15 min

In this episode, hosts Steve and Max break down the complex world of PayFac as a Service (PFaaS) and debunk common myths—from the idea that full payment facilitation is always better, to misconceptions about industry fit and integration challenges. They explain how PFaaS offers a scalable, modular solution that enables software providers to gradually transition to full payment facilitation without overhauling existing systems. For a deeper dive, check out our full webinar, “Busting Common PayFac as a Service Myths”, where Steve and VP of Product Ron Smith unpack these topics in detail. Whether you’re new to payment tech or a seasoned veteran, this concise discussion and accompanying webinar provide key insights to help you navigate the evolving payment landscape. Watch the full webinar via the link in the description, and don’t forget to like, subscribe, and share your thoughts! https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials LinkedIn: https://www.linkedin.com/company/clearent/ Facebook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Also On: YouTube: Payment Pulse Podcast Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

Merchant & Consumer Relationship

Mar 25, 2025 13 min

In this episode of Payment Pulse by Clearent by Xplor, hosts Steve and Max explore how payment technologies are reshaping the relationship between merchants and consumers by streamlining transactions, building trust, and driving loyalty. They discuss key data insights, including that 85% of consumers are deterred by negative payment experiences and 59% of merchants see seamless payments as essential, while also highlighting the importance of mobile tap-to-pay, omnichannel integration, and offering a variety of digital payment options to meet evolving consumer expectations and drive business growth.https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials LinkedIn: https://www.linkedin.com/company/clearent/ FaceBook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Also Listen On: YouTube: https://youtube.com/playlist?list=PLfIF1nyOWRy7fpOim9mt9NS4le9nZWCbw&feature=shared Apple Podcast: https://podcasts.apple.com/tr/podcast/payment-pulse/id1796072902

Macro Trends, Payment Shifts.

Mar 14, 2025 25 min

Explore how macroeconomic factors like inflation, interest rates, and money supply are reshaping payment behaviors in today's economy. In 'Macro Trends, Payment Shifts,' hosts Steve and Max break down the dynamic interplay between big economic forces and the evolution of payment technology. Tune in for insights that help businesses and consumers navigate these transformative trends.If you find these insights helpful, subscribe and share for more in-depth conversations on consumer decision making in payments! https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. Socials LinkedIn: https://www.linkedin.com/company/clearent/ Facebook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Also Listen On: YouTube: https://www.youtube.com/playlist?list=PLfIF1nyOWRy7fpOim9mt9NS4le9nZWCbwApple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

Risky Payment Behaviors

Feb 28, 2025 26 min

In this episode, we explore how risk perception—from financial and security concerns to social and temporal risks—shapes our everyday payment decisions. Learn how psychological factors like availability bias, loss aversion, and trust influence consumer behavior, and discover what businesses are doing to reduce these risks with technologies like tokenization, biometric authentication, and AI-powered fraud detection. Whether you're a consumer curious about why certain payment methods feel safer or a business aiming to boost customer trust, this discussion offers valuable insights into the evolving landscape of digital payments. If you find these insights helpful, subscribe and share for more in-depth conversations on consumer decision making in payments! https://clearent.com/ About Clearent Clearent is a leading full-service payment solutions provider that supercharged its success through the merger with software powerhouse Transaction Services Group. The resulting company is Xplor Technologies who serves over 800 partners and 66,000 businesses who process over $32 billion dollars. We are the first global company integrating smart software, seamless payments, and commerce accelerating technologies. Our mission is to help customers achieve more growth, faster. LinkedIn: https://www.linkedin.com/company/clearent/ Facebook: https://www.facebook.com/GoClearent X: https://x.com/GoClearent Also On: YouTube: https://www.youtube.com/playlist?list=PLfIF1nyOWRy7fpOim9mt9NS4le9nZWCbw Apple Podcast: https://podcasts.apple.com/us/podcast/payment-pulse/id1796072902

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The Economics of Embedded Payments

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Podcast details

Created by: Xplor Pay
Status: Active
Latest episode: Nov 13, 2026
Episodes: 53
Release period: Weekly
Avg. episode length: 15 min
Explicit: No
Language: English

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