payment

I heard her say, she was speaking to women in a women's group.

And she said, if you wanna open a man's heart Pay loving attention, i.e. through touch, blowjobs, whatever it is, to his penis.

The way to a man's heart is through his penis.

The way to a woman's opening is through her heart and her breasts.

He was far from the first to have done so.

The year before, a group of high Jungar nobles ruling the Dorbod and the Bayad had already defected to the Qing and led their people east into Khalkha territory.

The Jungar state was now hemorrhaging its own aristocracy toward Beijing.

nor was it only the nobility peeling away.

And so when, when I look for executives to join the company, I wanted to have people that are entrepreneurs just like me, that know the ISO market and know the grind and, and know how it feels on the other side to sell the deal and what those people need.

And so I'm extremely happy to announce that, um, uh, we've made a, um, a combination deal between, um, us and Define Payments.

And, uh, um, founder of Define Payments, Dwayne Haskett, um, is, uh, coming into Nativa as, uh, chief revenue officer.

And, um, I am very excited for that.

Yeah.

I still own a majority of the company, uh, and I get to do business with people I actually like.

And guys like Dwayne is somebody that I not only like, I love to deal...

I dealt with him as an ISO and he was, uh, one of the founders of Priority Payments, and I'm sure he'll tell his side of the story, so I'm not gonna, I'm not gonna spend too much time on it, but I was his ISO.

Today, we're continuing our 365 podcast series as we look ahead to Smarter Faster Payments 2027, taking place April 11th through 14th at the Gaylord National Harbor, located minutes from Washington, D.C.

Joining me for this discussion are Miriam Sheril, Head of Product US at Form 3, and a 2025 NACHA 15 Under 40 Award recipient, and Ashley Mustico, NACHA's Senior Director of Education and Accreditation.

Together, we'll talk about who the 15 Under 40 program recognizes, what makes the nomination stand out, and what the experience can mean for emerging payments professionals.

We'll also hear firsthand from Miriam about her experience as an award recipient, how she leveraged the award while at Smarter Faster Payments, and what it has been for her career.

This promises to be a thoughtful discussion, so let's get into it.

Thank you so much for having me back, Dan.

The 15 Under 40 Awards are something that was born from our conference planning seasons.

And as we were planning our conference and we were bringing together all of these great minds and all these great organizations, it became really clear that payments is an industry where people tend to stay for a really long time, which is a great thing, but it also means that we need to be really intentional about developing and recognizing the next generation of leaders as they're emerging.

... of a career.

So very quickly, when I joined the company, and company's called Pay.on at the time, they realize that I'm not a student researcher.

[laughs]

Yeah.

Oh, absolutely.

So today we are doing a deep dive for you, pulling directly from the Stripe newsroom, Paraffin's own blog, Payments Dive, Brain Food, and FinanceX.

Our whole mission here is to unpack this September 30th agreement, explore exactly what Paraffin does, and synthesize all these financial perspectives to understand the strategy.

Yeah, and we really need to look at the skepticism too, like why this specific pending deal has some massive partners potentially looking over their shoulders.

According to the sources, their products include cash advances, flexible and term loans and business to business pay over time.

Right.

They even offer a business card, which Payments Dive knows is supported by Cross River Bank.

Yeah, we also have to look at the volume they process.

That was-

The Opie Radio Show is now over

I do think Square has a great product and it's a really, really interesting entrant into the payment space.

so whether you're like me and you're still a little bit skeptical and trying to understand it or whether you're already a square reseller and you're working on that i think at the very least we all need to educate ourselves on what square is doing in the space because it is taking off rapidly and all the reports i hear are that the iso agent channel is taking off like a rocket ship for square so If you want to learn more about that, this is the episode where I talk to the guy who is running that channel.

We then get into a really interesting Today in Payments with Patti Murphy, talk a lot about agentic commerce, about a weird law in Illinois that seems to finally be coming to an end, which is great, about interchange on tax revenue, just some other things like that.

So a lot of really interesting stuff today on the podcast.

I do want to mention our sponsor.

but yeah thanks for having me on a good chat with you uh as always

yeah thanks mike really appreciate it have a great

time all right cheers Now for Today in Payments, brought to you by ProScribes Inc. with Patti Murphy and James Shepard.

[upbeat music] Brought to you by Nacha.

What does it take to build an agenda for the payments industry's premier conference? Long before any speakers take the stage, Nacha solicits session ideas and speakers from all sections across the payments industry.

Industry leaders gather to identify the most important issues payments professionals are facing, and they collaborate to bring together the right voices on panels to provide insights and move these conversations forward.

Welcome to Payment Smartcast, Nacha's podcast channel.

I'm your host, Dan Roth, senior director of communications at Nacha.

Well, it is one of the best seasons.

Uh, you know, it's, it is the unofficial fifth season, I think, uh, is payment season.

And so let's just talk about payments.