In this episode of Behind the Checkout, Gr4vy CEO John Lunn talks with Davide Villa from Edgar, Dunn & Company about the future of payments, where AI, regulation, and real-time rails converge. Discover the trends redefining global commerce, the challenges facing merchants and fintechs, and what every payments professional should prepare for next.

🎧 Listen and subscribe for more insights on the evolution of payments, orchestration, and digital commerce.

Liability shift changed the game for merchants, but did it also change the rules for fraud prevention? In this episode of Behind the Checkout, Gr4vy CEO John Lunn sits down with Vanita Pandey, CMO at Microblink, to unpack whether anti-fraud tools still belong in a world where the liability isn’t yours.

They explore the tension between risk, conversion, and cost, and whether stepping back from fraud prevention is a smart strategy or a dangerous tradeoff. This conversation is a must-listen for anyone navigating the evolving risk landscape in digital commerce.

Are Pix and UPI changing payments—or just overhyped? Gr4vy CEO John Lunn talks with EBANX’s Daniel Kornitzer about the challenges and limitations of P2P rails, what’s holding them back, and their real potential for global commerce. 

Why is card-not-present (CNP) interchange still higher—despite major advancements in online payment security? In this episode of Behind the Checkout, Gr4vy CEO John Lunn is joined by Anand Goel, Founder & CEO of Optimized Payments, to explore the outdated logic behind today’s interchange fees.

They discuss how tokenization, 3DS2, and strong customer authentication have reshaped CNP security, why legacy fee structures haven’t caught up, and what a risk-based, modern interchange model could look like. Whether you're a merchant, issuer, acquirer, or payments strategist, this conversation offers fresh insights into the economics and politics of digital transactions.

In this episode of Behind the Checkout, Gr4vy CEO John Lunn speaks with Alexandre Gonthier, Founder and CEO of Trustly, Inc, about the rise of Pay by Bank payments and the challenges holding back global adoption. They explore the role of real-time rails, fraud risks, trust dynamics, and the importance of orchestration in scaling account-to-account solutions. Listen in for expert insights on when Pay by Bank might become the new normal.

In this episode of Behind the Checkout, ⁠Gr4vy⁠ CEO John Lunn talks with payments strategist Marko Medenica about the growing battle over checkout ownership. As platforms embed payments and merchants push for greater control, the checkout has become a strategic flashpoint in digital commerce. They discuss the shift from PSP-led checkouts to platform-controlled experiences, the risks of vendor lock-in, and how orchestration is reshaping control over the last click.

Whether you're a merchant, platform builder, or payments pro, this episode offers real insight into the future of checkout, customer data, and embedded payments.

In this episode of Behind the Checkout, Gr4vy CEO and Founder John Lunn sits down with Soups Ranjan — Co-founder and CEO of Sardine, and one of the sharpest voices in fraud prevention — to unpack the reality of agentic commerce and what it means for the future of payments.

From AI agents negotiating and paying without human approval to the rise of “machine customers,” they explore how transaction flows, authentication, and fraud detection will need to evolve when money moves at machine speed. They discuss which industries will be disrupted first, where the biggest risks lie, and why control over data and orchestration could become the new competitive battleground.

In this episode of Behind the Checkout, Gr4vy CEO John Lunn talks with Colin Luce, Co-founder and CEO of Basis Theory, about the innovations driving invisible payments. From tokenization to embedded finance, they explore how seamless, behind-the-scenes transactions are reshaping customer experiences and what merchants need to know to stay ahead. Tune in for insights on balancing frictionless commerce with security, trust, and scalability.

Gr4vy CEO John Lunn is joined by payments veteran and former Google executive Steve Klebe to explore the fierce competition—and future—of digital wallets. From adoption trends to merchant pain points and integration best practices, this episode breaks down what’s powering (and stalling) wallet growth today. Tune in for a behind-the-scenes look at Apple Pay, Google Pay, Click to Pay, PayPal, and where it’s all heading next.

Gr4vy CEO John Lunn is joined by payments strategist Dwayne Gefferie to break down the most talked-about trends in payments right now. From the rise of new payment methods and global infrastructure shifts to the growing role of orchestration, this episode explores what’s shaping the future of commerce—and what merchants need to do to keep up.