Cents Chat is back with a new format, sharper opinions, and a very clear mission: help ISVs, PayFacs, marketplaces, fintech teams, and payments operators make sense of the messy parts of modern payments.

In this relaunch episode, Kitty kicks things off with Jason, Steve, and Chris to explain what the new Cents Chat is all about: real pain points, practical payments strategy, current industry changes, and conversations with ISVs solving actual operational problems.

The team covers why payments can no longer be treated like background plumbing, how API integrations, onboarding flows, merchant risk, compliance obligations, contracts, and interchange fights are becoming platform-level issues, and why future episodes will focus on the problems payments teams are actually trying to solve.

They also preview the first ISV guest conversation, which will dig into onboarding flows and how one company streamlined a process that had become too slow, manual, and messy.

If you build, operate, support, or monetize payments inside software, this is the reset episode. Payments got messy. Good.