In this episode of Beyond the Transaction, Todd Linden sits down with Perryn Holtrop, Founder and CEO of PayNation, to unpack how B2B payments are reshaping the future of FinTech, ISV partnerships, and integrated commerce. The conversation explores why traditional merchant acquiring models are evolving beyond price-driven sales and toward solution-based strategies powered by data, underwriting intelligence, and scalable payment infrastructure. Perryn shares how PayNation built a low-attrition model by prioritizing long-term customer value, integration-first thinking, and middle-market growth opportunities often overlooked in payments.

Todd and Perryn also dive into the role of thought leadership, AI-driven payment ecosystems, and the transformation from commoditized ISO sales to modern FinTech partnerships focused on automation, analytics, and vertical alignment. From NetSuite and Odoo integrations to the future of B2B payment innovation, this episode delivers practical insights for payment professionals, ISVs, and FinTech leaders who want to understand how modern payment platforms drive real business growth — far beyond the transaction itself.

Perryn Holtrop is the CEO and Founder of PayNation, a payments technology company focusing on Accounts Receivable/Accounts Payable automation for B2B companies. He is a serial entrepreneur and visionary who started his first business at the young age of 19 and holds 5 patents outside of payments. He was introduced to the payments industry over 11 years ago, and his passion for entrepreneurship, developing winning strategies, and helping businesses succeed led him to start PayNation. Perryn is a recognized leader in the B2B payments space and is Co-Chair on the B2B Payment Committee for the Electronic Transaction Association (ETA).

https://www.linkedin.com/in/perrynholtrop/

https://www.linkedin.com/company/paynationus

Beyond The Transaction is a high-impact executive podcast hosted by Todd Linden, CEO of Woodforest Acceptance Solutions. Each episode delivers clear, forward-looking insight into payments innovation, ISV enablement, SaaS integrations, embedded finance, and the technology shaping the future of commerce.

Designed for ISVs, SaaS founders, fintech operators, merchants, and strategic partners, the show blends Todd’s executive perspective with conversations from industry leaders redefining how businesses grow and compete.

Strategic, and packed with actionable intelligence, Beyond The Transaction is at the center of modern payment strategy and keeps decision-makers ahead in a rapidly evolving industry.

https://www.toddlinden.com

http://www.woodforestpay.com/podcast

Where Payments Meets People, Process, and Progress is more than a tagline — it’s the premise of Beyond The Transaction. This show goes behind the swipe, tap, and click to unpack what actually makes commerce work: the operators building the rails, the decisions that protect trust, and the systems that help businesses scale without breaking.

Each episode delivers real conversations and practical takeaways across the full payments ecosystem — technology, risk, compliance, customer experience, and the human relationships that hold it all together. Because getting paid is only the beginning; what happens beyond the transaction is where businesses win.

Beyond The Transaction is a high-impact executive podcast hosted by Todd Linden, CEO of Woodforest Acceptance Solutions. Each episode delivers clear, forward-looking insight into payments innovation, ISV enablement, SaaS integrations, embedded finance, and the technology shaping the future of commerce.

Designed for ISVs, SaaS founders, fintech operators, merchants, and strategic partners, the show blends Todd’s executive perspective with conversations from industry leaders redefining how businesses grow and compete.

Strategic, and packed with actionable intelligence, Beyond The Transaction is at the center of modern payment strategy and keeps decision-makers ahead in a rapidly evolving industry.

https://www.toddlinden.com

http://www.woodforestpay.com/podcast

Beyond The Transaction is a high-impact executive podcast hosted by Todd Linden, CEO of Woodforest Acceptance Solutions. Each episode delivers clear, forward-looking insight into payments innovation, ISV enablement, SaaS integrations, embedded finance, and the technology shaping the future of commerce.

Designed for ISVs, SaaS founders, fintech operators, merchants, and strategic partners, the show blends Todd’s executive perspective with conversations from industry leaders redefining how businesses grow and compete.

Strategic, and packed with actionable intelligence, Beyond The Transaction is at the center of modern payment strategy and keeps decision-makers ahead in a rapidly evolving industry.

https://www.woodforestpay.com

https://www.toddlinden.com

Beyond The Transaction is a high-impact executive podcast hosted by Todd Linden, CEO of Woodforest Acceptance Solutions. Each episode delivers clear, forward-looking insight into payments innovation, ISV enablement, SaaS integrations, embedded finance, and the technology shaping the future of commerce.

Designed for ISVs, SaaS founders, fintech operators, merchants, and strategic partners, the show blends Todd’s executive perspective with conversations from industry leaders redefining how businesses grow and compete.

Strategic, and packed with actionable intelligence, Beyond The Transaction is at the center of modern payment strategy and keeps decision-makers ahead in a rapidly evolving industry.

https://www.toddlinden.com

http://www.woodforestpay.com/podcast