SEAA | Southeast Acquirers Association

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 ([email protected])

Matt Price ([email protected])

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 — [email protected]

Roberto Sato — [email protected]

GETTRX Team — [email protected]

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

[email protected]

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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.

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.

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.

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.

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.

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.

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.

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.