The Paycast Network

In this episode of The Paycast Network, industry veterans Scott Morley and Jesse Memmel pull back the curtain on the complex reality of portfolio acquisitions in merchant services. While online forums are often flooded with hype surrounding unrealistic 30x to 50x valuation multiples, our guests break down the real-world mechanics of selling a merchant portfolio—diving deep into critical valuation factors like attrition rates, merchant concentration risk, and card-not-present models. Scott and Jesse share invaluable insider strategies to maximize a book's value before an exit, emphasizing the necessity of portfolio diversification, auditing hidden ISO contract terms, and building "sticky" revenue through POS and gateway integrations. Whether you are navigating the valuation differences between cash discounting and interchange-plus portfolios or learning how to structure a seamless two-year warm handoff to guarantee your earnouts, this episode delivers the ultimate roadmap to a successful and profitable fintech exit.

For more information on Jesse and his company Enroll & Pay email [email protected].

For more information on Scott and his company email [email protected].

In this episode of The Paycast Network, host Chase sits down with Clayton Shivers, US Army veteran and founder of ClayPay Solutions. Clayton shares his fascinating journey from West Point to the merchant services industry, explaining how military principles helped him conquer the world of independent sales.

What You Will Learn In This Episode:

• How military discipline translates directly into independent sales success

• Why modern agents must focus on technology and vertical specific solutions

• The strategy behind scaling a portfolio with fewer, high value accounts

• The real, unexpected story behind the name ClayPay Solutions

Special MWAA 2026 Announcements:The Midwestern Acquirers Association conference is happening next week in Chicago on July 22nd and 23rd!

• Get completely free registration using our exclusive promo code: Paycast2026

• The Paycast Network will be live streaming the premier MLS Forum for the very first time on our YouTube channel

• Come visit the Paycast mobile studio at the event to play our Sell This Duck game and win great prizes

In this exciting episode of The Paycast Network, host Chase sits down with Rod Katzfey, the President of the Midwestern Acquirers Association, and Steven Morris, an MWAA Advisory Board member, to drop a major announcement. Paycast is officially the media partner for the 2026 MWAA Conference in Chicago this July 22nd and 23rd! Tune in to discover what to expect at this year's massive event, including the integration of cutting edge fintech, AI, and POS platforms. You will also get an exclusive preview of the premier MLS Forum, which Paycast will be live streaming for the first time in history. The guys also test their skills with some conference trivia, look back at the 24 year evolution of the association, and share a special registration discount code, Paycast2026. Since the main hotel block is already completely sold out, you will want to grab your event ticket fast and start locking down your overflow housing accommodations right away.

In this final episode of The Paycast Network live from SEAA 2026, host Chase Gunnell sits down with Hallett Johnson from Nimble Technologies to unpack how a configurable point of sale platform can empower ISOs, banks, and ISVs to rapidly deploy custom software solutions. Hallett shares the massive evolution of his company over twenty five years, moving from early legacy restaurant setups to their current hardware agnostic software that functions seamlessly across Windows, iOS, and Android. He details the unique modular architecture behind their out of the box personas, explaining how they can configure specialized features in under two weeks for niche markets like bail bonds, or combine retail and restaurant features for a complex butcher deli setup. By providing a highly flexible white labeled system that allows agents to launch their own branded apps in the app store, Hallett outlines why transitioning traditional processing groups into software providers is the ultimate playbook for modern industry growth before closing out with our signature rubber duck sales challenge.

In this episode of The Paycast Network live from SEAA 2026, host Chase Gunnell sits down with Kevin O'Connell and Ron Yannai from Dejavoo to explore the massive industry shift toward software integrations and independent software vendor solutions. The team breaks down a game changing statistic for independent sales organizations: while standard merchant attrition typically hovers between 26 and 28 percent, deploying an integrated payment model drops that portfolio churn rate to near zero.Dejavoo showcases their latest payment hardware architecture, including the brand new P8 Dual Go, a lightweight pocket sized device built without a printer that is perfectly tailored for pay at the table hospitality scenarios. They also reveal major updates on their standalone unattended processing systems, new developer API capabilities, and seamless integrations with massive platforms like Blocko, Bede, and Microsoft Dynamics. Wrapping up with a hilarious round of our signature Sell Me This Duck challenge where Ron successfully negotiates a hardware sign up in exchange for the duck, this executive session proves why software infrastructure is the absolute key to building a stable, long term merchant portfolio.

In this episode of The Paycast Network live from SEAA 2026, host Chase Gunnell sits down with Zach Daily, the acquisitions mastermind at Cutter, to discuss the exact mechanics of merchant portfolio buyouts and residual stream valuations. Celebrating 20 years in the industry, Zach explains how Cutter operates as a strictly static end buyer, purchasing 15 to 30 agent and ISO portfolios a year without ever competing for sales agents or disrupting existing merchant relationships. He pulls back the curtain on how their family owned business evaluates up to 200 portfolio opportunities annually, leverages organic referral networks, and utilizes AI search parameters to capture high value acquisition deals. From building long term industry friendships that naturally transition into strategic business partnerships to tackling our signature rubber duck sales challenge, Zach provides an essential blueprint for independent operators looking to safely maximize the liquidation equity of their processing books.

In this episode of The Paycast Network live from SEAA 2026, host Chase Gunnell sits down with industry specialist Parth Patel to explore a unique software first strategy for scaling a merchant portfolio. Instead of operating like a traditional ISO focused on aggressive agent recruitment, this boutique provider scales by hunting for gaps in the market and building custom software integrated with their own processing rails. Parth details their specialized development playbook, highlighting Edge, a shop management system built specifically for auto repair businesses, alongside custom platforms like Muno for non profit organizations and new software currently in development for pool service companies. He explains how embedding payment capabilities directly into niche operational software creates a highly sticky ecosystem that secures massive merchant retention by providing true value added services instead of standard standalone credit card terminals. Parth also analyzes major upcoming industry shifts, detailing how Tap to Pay on iPhone will completely disrupt small scale retail through supreme ease of use, and why forward thinking ISOs must pivot toward high volume ISV partnerships to secure long term portfolio growth.

Live from SEAA 2026 Carlos Nieto sits down with Ángela Tafur founder of eProfitable to share how software and ISV relationships can rapidly scale your sales pipeline. Ángela details her journey from managing phone setups at Link Systems and WorldPay to securing exclusive regional referral channels for Aloha POS clients alongside NCR and Century Payments. She also delivers an encouraging message for women in fintech recounting how she overcame her fears to close her first massive contract using paper applications and a pocket calculator. Whether you are moving toward business independence or protecting your current portfolio this quick strategy session offers a powerful growth roadmap.En vivo desde SEAA 2026 Carlos Nieto conversa con Ángela Tafur fundadora de eProfitable sobre cómo las alianzas de software e ISV pueden transformar por completo tu canal de referidos. Ángela detalla su evolución desde la gestión de instalaciones telefónicas en Link Systems y WorldPay hasta lograr una distribución regional exclusiva para clientes de Aloha POS junto a NCR y Century Payments. Además comparte un inspirador mensaje para las mujeres en la industria de los pagos electrónicos recordando cómo cerró su primer gran contrato comercial usando solicitudes en papel y una calculadora de bolsillo. Esta sesión es ideal para agentes que buscan la independencia empresarial o proteger sus portafolios actuales.

In this episode of The Paycast Network live from SEAA 2026, host Chase Gunnell sits down with industry legend Matt Price of B4U Financial to discuss the next frontier of merchant processing and digital currency acceptance. With a payments career dating back to 1983, Matt shares incredible history from his early days delivering Twinkies on a Hostess truck to working at Visa where he helped pioneer NFC technology for Apple Pay and executed the first ever end to end chip card transaction in the United States. Transitioning into modern processing, Matt reveals how B4U Financial operates an alternative payment network that completely eliminates traditional merchant fees for digital wallet transactions. Under this consumer funded model, merchants pay zero percent to accept digital currency and settle entirely in standard fiat USD, while independent sales organizations and agents enjoy a revenue positive partnership with no buy rates and lucrative revenue share splits. Drawing parallels to how McDonald's adopting credit cards created a massive domino effect across the quick service restaurant industry, Matt explains the exact adoption triggers needed to capture the massive buying power of the eighteen to thirty five year old demographic and why digital utility is the ultimate scale angle for modern portfolio builders.

In this episode of The Paycast Network live from SEAA 2026, host Chase Gunnell sits down with Alex Daily, a member of the SEAA advisory board and executive at Cutter, to discuss record breaking conference attendance and the shifting landscape of portfolio acquisitions. Alex shares insights into how registration hit an incredible 1,780 attendees as regional events begin competing with major national payment shows. He details his role on the agenda team shaping industry education around buzzwords like AI, RTP, and VAMP, while transitioning into a deep dive on how Cutter operates as a protected end buyer for agent and ISO books of business. Alex explains why Cutter is the preferred referral partner for top tier ISOs, offering a strict non compete model that ensures acquired merchant portfolios are never resold or moved to an internal competitor channel. Wrapping up with a brilliant twist on our signature duck challenge where Alex demonstrates the ultimate consultative sales approach by refusing to sell a product the buyer does not need, this interview provides critical guidance for anyone looking to navigate merchant portfolio valuation and protect their legacy revenue streams.