The CPayO Mindset: The Eight-Step Payments Framework Every Payments Professional Needs | PEP092 скачать в хорошем качестве

The CPayO Mindset: The Eight-Step Payments Framework Every Payments Professional Needs | PEP092

The CPayO Mindset: Turning Payments From Cost Center Into Competitive Edge. Three percent can quietly devour fifteen percent of your profit. In this episode, we strip payments down to the levers that actually move margin: rails, contracts, tokens, data rights, and operational control. With Viktoria Soltesz of the Soltesz Institute (https://na2.hubs.ly/H02Y1Cv0), author of The CPayO: Chief Payment Officer — the role that doesn’t exist (but should), we reframe “processing fees” as an executive function and show how a CPayO-style approach protects revenue when card-brand caps, state rules, or platform shutdowns collide. Why this matters to operators • Profit, not percentages. Measure cost to collect against unit economics, not top-line. Small fee drifts compound into lost margin. • Rules collide in the wild. Brand surcharge caps, state price controls, and regulated markets squeeze merchants while costs float. • Platform risk is real. Provider offboarding and token lock-in can turn recurring revenue into an existential crisis. • Control beats hope. Own tokens, build routing optionality, and negotiate portability so you don’t beg for access when risk appetites change. What we dig into • The Soltesz 8-step framework for mapping fund flows, quantifying fees/FX, aligning treasury timing, and building redundancy that actually fails over. • Pricing programs and optics: how surcharge/dual-pricing rules intersect with consumer expectations and brand enforcement. • Open banking, wallets, stable-value rails: where they lower cost or latency, and where compliance/UX friction slows adoption. • Contract gravity: data portability, token migration, termination assistance, audit rights, and change-control clauses that separate resilient operators from the rest. • Middleware and orchestration: route for approvals and cost, keep PCI/fraud scope sane, and maintain leverage across providers. A practical playbook you can use this quarter 1. Instrument the money map: Merchant-level reporting, approval rates by BIN/region, cost to collect by rail, dispute cycle time, and days-cash-held. 2. Contract to control: Add token-portability SLAs, termination assistance, data export formats, and service credits tied to approval-rate deltas. 3. Build a second rail: At least one production-ready alternative for subscription retries, fails, and geographic outliers. Test it monthly. 4. Protect recurring revenue: Standardize token escrow/migration rights; document refund runways before any offboarding event. 5. Monitor and iterate: Quarter-by-quarter audits of fees, FX, routing outcomes, and policy drift; adjust playbooks as products, SKUs, or rules change. The heart of the conversation centers on control. Stripe and Shopify offer easy starts but can shut merchants down or lock tokenized credentials in ways that endanger recurring revenue. We share a real case where token migration became an existential crisis—and how to avoid it. The strategy: use payment orchestration to own your data, route transactions for cost and approval rates, fail over across providers, and keep leverage when risk appetites shift. We also dive into contract trends pushing fraud, PCI, and liability to merchants and POS providers, plus practical middleware options to meet those obligations without becoming a bank. Rounding it out, we walk through the CPayO eight‑step payment framework: map fund flows, quantify fees and FX, assess treasury timing, align compliance and tax, evaluate alternative rails, negotiate smarter contracts, build redundancy, and monitor drift as products and rules change. Whether you run a startup or a large enterprise, the goal is the same—turn payments from a black box into a managed profit function. If you found this useful, follow the show, share it with a founder who needs a margin win, and leave a review with the biggest payments challenge you want us to tackle next. *Matters discussed are all opinions and do not constitute legal advice. All events or likeness to real people and events is a coincidence.* PEP Links: https://www.globallegallawfirm.com/po... https://www.buzzsprout.com/2176695