
S4 Ep55: Modernizing the Bill Pay Experience with Steve Kramer, VP of Product of PayNearMe
This week on Tech Can’t Save Us, host Paul David is joined by Steve Kramer, VP of Product of PayNearMe, a fintech platform that helps businesses simplify and accelerate the way they collect payments. PayNearMe brings every major payment type into a single platform, from Apple Pay, Google Pay, PayPal and Venmo to cards, ACH and cash at more than 62,000 retail locations across the US. They discuss the friction points that still make paying a bill harder than it should be, and how the expectations of the “everything-now” economy are forcing billers to rethink the payment experience. Steve explains how PayNearMe balances high-security payment architecture with a seamless user interface, and why its ability to accept cash at retail sets it apart from digital-only competitors. He also unpacks how digital wallets lift conversion for billers, how electronic check solutions keep returns and fraud in check, and how payment behaviour data helps clients improve their collection rates. The conversation covers the industry’s shift from digital-first to mobile-only, the hurdles of growing in highly regulated sectors, and how to balance custom features for Fortune 500 clients against a scalable, universal product. Steve also looks ahead to real-time payments as a catalyst for growth and explains how PayNearMe competes with legacy processors that hold vast market share but innovate slowly. Drawing on more than 25 years in payments and his roots as a Virginia Tech computer science graduate, he shares his leadership philosophy and his approach to communicating technical roadmaps to non-technical executives. Find more about PayNearMe here: https://www.paynearme.com/ Follow Steve Kramer here: https://www.linkedin.com/in/ADD-STEVE-KRAMER-PROFILE















