The payments industry is caught in a relentless 'Race to Zero,' where the drive for the lowest possible processing fees jeopardizes the true value merchants can gain from their payment partners. In this episode of Beyond The Transaction, host Todd Linden reveals why this singular focus on cost is a losing game for everyone involved. Discover how prioritizing comprehensive solutions, integrated services, and genuine partnership can transform the payment landscape, moving beyond mere transactions to unlock significant operational advantages and foster long-term business growth. Learn why merchants deserve more than just cheaper rates and how payment professionals can deliver genuine, lasting value.

What You'll Learn:

• The detrimental impact of the 'Race to Zero' on both payment providers and merchants.
• Why integrated payment solutions offer more value than just raw processing costs.
• The importance of data insights and operational tools in modern payment strategies.
• How to navigate the complexities of passing credit card fees to consumers.
• Strategies for building stronger, more valuable relationships between merchants and payment professionals.

Join us as we explore how a shift in perspective can elevate the entire payments industry, creating a win-win for businesses and their customers alike. #PaymentIndustry #RaceToZero #MerchantServices #BusinessStrategy #ValueAddedPayments

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

Discover how integrating and owning payment solutions can dramatically increase your ISV's enterprise value on this episode of Beyond The Transaction. Host Todd Linden and guest Giovanni Diano, CFO of Woodforest Acceptance Solutions, unpack the critical shift from passive payment referrals to active payment ownership. Learn why investors prize recurring revenue and rich data derived from integrated payments, and how this directly translates into higher valuations and a future-proof business model. This discussion highlights strategies for ISVs to leverage their payment ecosystem for growth, enhance customer stickiness, and navigate the complexities of compliance and risk with expert support.

What You'll Learn:

• The evolution of payment integration for ISVs and its impact on valuation.
• Why buyers are attracted to ISVs with integrated payment solutions.
• The dual benefits of recurring revenue and valuable data from payment ownership.
• How payment data can empower AI tools for business optimization.
• Overcoming the challenges of compliance and risk in payment processing.
• The significant valuation difference between referring and owning payments.
• How Woodforest Acceptance Solutions enables seamless payment ownership for ISVs.

Don't miss out on these expert insights into maximizing your software company's worth!

#ISVPayments #FintechValuation #PaymentIntegration #EnterpriseValue #SaaSGrowth

Giovanni Diano is Chief Financial Officer of Woodforest Acceptance Solutions, with extensive experience in financial services, payments, and financial technology. He previously served as CFO of Mantis Innovation and held senior finance leadership roles at Woodforest National Bank, Paysafe, National Processing Company (FIS), and Continental Airlines. Giovanni holds a B.S. in Mechanical Engineering from The University of Texas at Austin, an MBA from Rice University, and is a Certified Public Accountant.

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

Join Todd Linden on Beyond The Transaction as he welcomes Guiming "Ming" Ye, CEO of Quick POS. This episode explores Ming's fascinating journey from Silicon Valley to building a leading, empathy-driven POS system for restaurants. Discover how Quick POS identified and solved critical pain points for restaurant operators, prioritizing customer choice and robust partnerships over restrictive practices. Learn about their innovative approach to technology and their exciting future plans, including the integration of AI to revolutionize restaurant management and customer service.

What You'll Learn:

• The origin story of Quick POS and its foundation in real restaurant experience.
• How Quick POS differentiates itself through an empathy-driven, customer-centric approach.
• The benefits of Quick POS's open payment platform for merchants and channel partners.
• The impact of their partnership with Woodforest Acceptance Solutions on payment processing and data.
• Vision for the future of Quick POS, including AI, retail, and solo POS innovations.

Tune in to understand how Quick POS is transforming the transaction landscape for the restaurant industry. #BeyondTheTransaction #QuickPOS #RestaurantTech #PaymentSolutions #FintechInnovation

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.

Guiming "Ming" Ye is the CEO and Co-Founder of KwickPOS, a leading provider of cloud-based point-of-sale (POS) software and embedded payment solutions for the restaurant and retail industries. A Silicon Valley-trained software engineer, Ming co-founded KwickPOS after recognizing the need for a more flexible, data-driven POS platform through her firsthand experience as a restaurant owner. Under her leadership, KwickPOS has grown into a trusted technology partner serving more than 5,000 businesses across North America, delivering innovative solutions that combine POS technology, payment processing, online ordering, loyalty, and business intelligence. Ming is passionate about helping merchants streamline operations, improve profitability, and accelerate growth through modern, scalable technology.

https://www.linkedin.com/in/ming-ye-989609172/

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