Welcome to Beyond The Transaction

Built to Last: What It Means to Build a Payments Company on a Bank's Foundation

Discover how a unique bank-subsidiary structure is revolutionizing the world of payment processing and fintech. In this episode, we explore the distinct advantages of having a principal sponsor bank integrated directly into the processing entity, from superior regulatory credibility to flexible funding windows. We dive deep into the evolving landscape of integrated payments and why the 'race to zero' is a losing game for merchants. Learn how data-driven insights and AI are transforming simple timestamps into powerful business intelligence tools.  What You'll Learn:  * The critical role of bank sponsorship in payment maneuverability * Why private equity models differ from bank-backed stability; How to use transaction data to chart future business expansion;  * The importance of choosing partnerships based on best practices rather than rapid growth * Strategies for navigating complex regulatory environments in emerging markets. Join us for an inside look at the future of secure, intelligent commerce. #BeyondTheTransaction #FintechInnovation #PaymentProcessing #Woodforest #BusinessIntelligence 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 [https://www.toddlinden.com] http://www.woodforestpay.com/podcast [http://www.woodforestpay.com/podcast]

The ISV Moment: Why Software Companies Are the Future Distribution Channel for Payments

Discover how Independent Software Vendors (ISVs) are revolutionizing their businesses by embracing integrated payment solutions. This episode of Beyond The Transaction, with host Todd Linden, CEO of Woodforest Acceptance Solutions, explores the critical shift from traditional payment processing to embedded payment models. Learn why owning your payment process is crucial for revenue growth, customer satisfaction, and gaining a competitive edge. We'll delve into the shortcomings of non-integrated systems and unveil how a fully integrated approach can unlock valuable customer data and create a seamless experience for your clients. What You'll Learn: * The fundamental difference between current ISV opportunities and those from five years ago. * The value of integrated payments for data collection, customer behavior analysis, and upsell opportunities. * How Woodforest Acceptance Solutions' unique sales enablement process helps ISVs grow. * The benefits of having ownership and control over your payment processes. * Why a seamless, integrated payment experience is paramount for customer stickiness. Unlock the full potential of your software business by understanding the power of embedded payments. #ISV #EmbeddedPayments #Fintech #PaymentSolutions #BeyondTheTransaction 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 [https://www.toddlinden.com] http://www.woodforestpay.com/podcast [http://www.woodforestpay.com/podcast]

The Next Era of Fintech Partnerships and Payment Enablement with Bill Dobbins

In this episode of Beyond the Transaction, we are joined by Bill Dobbins, Head of US Enablement for Visa. Bill shares his incredible insights from a career at the forefront of the payments industry, discussing why the last five years have seen more rapid change than any other period in history. We dive deep into: ✅ The shift from 'building' to 'stitching' in fintech partnerships. ✅ Why ISVs are winning by leading with benefits, not payments. ✅ The revolutionary concept of 'Agentic Commerce' and how AI agents will change checkout forever. ✅ Why the industry must 'stop playing at the bottom' and shift from price to value. ✅ Visa’s investments in Blockchain and Stablecoins for B2B transactions. ✅ How to use payment data to unlock enterprise-level insights for any size merchant. Whether you're an ISO, an ISV, or a fintech enthusiast, this conversation provides a roadmap for navigating the future of acceptance and enablement. Bill Dobbins is Senior Vice President, Head of U.S. Enablers for Visa. In this role, he is responsible for leading Visa’s efforts to support acquirers, processors, payment facilitators, and payment technology partners to expand digital payments and deliver increased value to consumers and merchants. During his nearly 30-year career at Visa, including as Head of U.S. Business Development for Acceptance, and Head of U.S. Acquiring, Mr. Dobbins has facilitated the expansion of the Visa network by increasing acceptance in under penetrated verticals, partnering with clients to introduce new products and services, and guiding the industry through its constant state of change. 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 [https://www.toddlinden.com] http://www.woodforestpay.com/podcast [http://www.woodforestpay.com/podcast]

The Evolution of B2B Payments with Perryn Holtrop

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/in/perrynholtrop/] https://www.linkedin.com/company/paynationus [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 [https://www.toddlinden.com] http://www.woodforestpay.com/podcast [http://www.woodforestpay.com/podcast]

Where Payments Meets People, Process, and Progress

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 [https://www.toddlinden.com] http://www.woodforestpay.com/podcast [http://www.woodforestpay.com/podcast]