It Pays to Know

Hosted by Infinicept

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Latest episode

Oct 2026

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EN-US

About the show

Over the past several years, there has been incredible growth among organizations that have embedded payments into their offerings. From Shopify to Toast to ServiceTitan, the business case for creating one-stop-shop services is stronger than ever. It used to be cool to be your own boss. Now, it’s cool to be your own payments provider. At the same time, payments also represent a small piece of an even bigger opportunity to embed other financial services into your software…and that ecosystem grows by the day. Here’s the thing, though: it looks like there’s a lot to understand to get started. What’s more, it seems daunting to do. Between finding the right talent and building and maintaining a custom system – plus ever-changing regulations and fraud concerns – it can feel like there’s plenty to get in the way of you reaching the top of that money mountain. But just when it seems it could be an ascent too steep to climb – this podcast gives you a leg up. Tune in to hear perspectives from senior executives across vertical SaaS, the investment community, payment companies and banks – and learn about what today’s payments pioneers have to say about tomorrow. After all: embedded finance is a $600 billion pie. We think you deserve a piece. Don’t you? Learn more about Infinicept and its PayOps platform at https://www.infinicept.com/ and get payments going your way. Read full transcripts of It Pays to Know here: https://www.infinicept.com/podcast/ It Pays to Know, an Infinicept podcast, is powered by Authentic Avenue.

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15 recent

October 27, 2026Episode 121 min

Agentic AI in payments: who’s liable when your AI agent buys the wrong thing?

Your AI agent goes shopping. It finds a great price on exactly what you asked for: yellow coffee cups with sunflowers. They arrive, and they’re sized for a dollhouse. The sale was final. You never saw the listing. Who eats that?Deana Rich and Todd Ablowitz work through what agentic commerce does to authorization, disputes, and liability — and why the payments industry hasn’t caught up yet.They cover the five parties who now have to agree on who’s responsible, why the card networks become more valuable rather than less, the unsolved first-party fraud problem sitting underneath all of this, and whether AI companies themselves belong in the liability chain.Chapters 0:00 The dollhouse coffee cups 0:41 What makes AI different now 1:32 How agentic shopping actually goes wrong 2:49 Five parties, one liability question 4:31 What Visa and Mastercard allow today 5:20 The standards race: Trusted Agent Protocol, Agent Pay, AP2 6:24 Flagging agentic transactions in the string 7:25 Why card networks become the trust layer 9:31 First-party fraud is still unsolved 11:02 Prompt injection and hallucinated instructions 11:33 Should AI companies carry liability? 13:44 What AI does to payments jobs 15:32 How practitioners actually use AI 17:24 Regulation, the states, and preemption 20:02 Closing thoughtsDeana Rich is GM of Paysolve by Infinicept. Todd Ablowitz is Vice Chair at Infinicept. Together they’ve advised 300+ companies on payments.It Pays to Know is produced by Infinicept. New episodes monthly. https://infinicept.com

March 20, 202435 min

Pipe | The Past, Present, and Future of ISVs in Embedded Finance

Our guest today is Luke Voiles. Luke is the CEO of Pipe, leading the charge on embedded finance with their super interesting and appealing product. We discuss the role of vertical software in the embedded payments and finance ecosystem doing a deep dive into past, present, and future in the space. Full transcript at: https://www.infinicept.com/episode-14-pipe-the-past-present-and-future-of-isvs-in-embedded-finance/ To hear more from us, go to www.infinicept.com , where you'll also be able to learn more about our PayOps platform and how we get payments going your way. We especially want to highlight our newest product, Launchpay, which helps software companies get the payback experience with all the transparency and openness of becoming a full payback without the expense and lift.

February 1, 202434 min

Abigail Anderson Berard | The Power of Being Vulnerable

Our guest today is Abigail Anderson Berard. Abigail serves as the Chief of Staff, Corporate Development at Celero Commerce. We chat about Abigail's career as a D1 athlete, the power of being vulnerable in today's business world, and her experience in M&A. Full transcript at: https://www.infinicept.com/episode-13-abigail-anderson-berard-the-power-of-being-vulnerable/ To hear more from us, go to www.infinicept.com , where you'll also be able to learn more about our PayOps platform and how we get payments going your way. We especially want to highlight our newest product, Launchpay, which helps software companies get the payback experience with all the transparency and openness of becoming a full payback without the expense and lift. Thanks again for tuning in, and we'll pay you another visit next time.

October 24, 202324 min

Deb Camm, Oasis & WSAA | Portability and Profitability

Our guest today is Deb Camm, Managing Partner of Oasis Consulting and President of the Western States Acquirers Association. Our conversation is far-reaching, covering the subjects of BINs, ICAs, portability, and profitability. To hear more from us, go to https://www.infinicept.com/ where you'll also be able to learn more about our PayOps platform and how we get payments going your way. Thanks again for tuning in and we'll pay you another visit next time. It Pays to Know, a podcast by Infinicept, is powered by Authentic Avenue.

September 14, 202323 min

TapGoods | What CEOs Need to Know About Payments

Today, our guest is Doug Levy. Doug is the CEO of TapGoods, a super impressive company in the rental space. Today, we discuss everything from a mind-blowing macro trend on how people are using hardware or hard goods to what's next in embedded finance. Along the way, we'll touch on topics like why CEOs should learn payments and the intentional complexities in embedded payments. Full transcript at: https://www.infinicept.com/episode-11-tapgoods-what-ceos-need-to-know-about-payments/ To hear more from us, go to https://www.infinicept.com/ where you'll also be able to learn more about our PayOps platform and how we get payments going your way. Thanks again for tuning in and we'll pay you another visit next time. We especially want to highlight our newest product LaunchPay, which helps software companies get the PayFac experience with all the transparency and openness of becoming a full PayFac, but without the expensive lift. As a founding member of the Embedded Payments Bill of Rights, we’re 100% committed to doing payments right. It Pays to Know, a podcast by Infinicept, is powered by Authentic Avenue.

August 15, 202329 min

Utopaya | Software Companies Need This to Drive Payments Ahead

Today, our guest is Brian Abernethy. Brian is the founder of Utopaya, a boutique firm helping vertical SaaS companies with their payments. We discuss the history of integrated and embedded payments, the emergence of PayFac and Payfac as a service, and what software companies really need to drive their payments businesses ahead. To hear more from us, go to https://www.infinicept.com/ where you'll also be able to learn more about our PayOps platform and how we get payments going your way. Thanks again for tuning in and we'll pay you another visit next time. It Pays to Know, a podcast by Infinicept, is powered by Authentic Avenue.

April 20, 202328 min

Cross River | Rails, Routing, and Real-Time Payments

Our guest for this podcast is Cross River Head of Payments Keith Vander Leest. We discuss rails, routing, and real-time payments, plus touch on overall finance innovation and web3. To hear more from us, go to https://www.infinicept.com/ where you'll also be able to learn more about our PayOps platform and how we get payments going your way. Thanks again for tuning in and we'll pay you another visit next time. It Pays to Know, a podcast by Infinicept, is powered by Authentic Avenue.

March 23, 202330 min

Fortis | Going Deep on B2B Payments

Our guest for this podcast is Fortis Chairman & CEO Greg Cohen. We discuss his business approach and philosophy, the Fortis stack, and we go deep on B2B payments. To hear more from us, go to https://www.infinicept.com/ where you'll also be able to learn more about our PayOps platform and how we get payments going your way. Thanks again for tuning in and we'll pay you another visit next time. It Pays to Know, a podcast by Infinicept, is powered by Authentic Avenue.

February 23, 202331 min

Simon Torrance | Embedded Finance, from 101 to $1 Trillion

Our guest for this podcast is Simon Torrance, a globally recognized expert in the field of embedded finance. We discuss the basic principles of embedded finance, why this market is a trillion dollar opportunity, and the key challenges that companies face in capturing that opportunity. To hear more from us, go to https://www.infinicept.com/ where you'll also be able to learn more about our PayOps platform and how we get payments going your way. Thanks again for tuning in and we'll pay you another visit next time. It Pays to Know, a podcast by Infinicept, is powered by Authentic Avenue.

January 31, 202323 min

Revolv3 | A Full Circle Conversation on Tokenization, Orchestration, and Innovation

Our guest for this podcast is Revolv3 Chief Product Officer, Robert Podlesni. We discuss the importance of tokenization, recent rules changes at Mastercard and Visa, the opportunities, therein, and how Revolv3 is helping Infinicept customers benefit from it all. The full transcript is available at: https://www.infinicept.com/episode-6-revolv3-a-full-circle-conversation-on-tokenization-orchestration-and-innovation/ To hear more from us, go to https://www.infinicept.com/ where you'll also be able to learn more about our PayOps platform and how we get payments going your way. Thanks again for tuning in and we'll pay you another visit next time. It Pays to Know, a podcast by Infinicept, is powered by Authentic Avenue.