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An award-winning monthly podcast with a focus on helping Canadian entrepreneurs and small business owners navigate the ever-changing business landscape. The podcast delivers interviews with business leaders and industry experts offering advice and commentary on current events and business trends, with a focus on informing and educating Canadian businesses.
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Hosted by Maria Sparagis, president of DirectPayNet, and payment solutions expert for entrepreneurs in the high risk industries of supplements, dating, business opportunities, gambling and more. On this podcast, Maria shares her knowledge on how to reduce decline ratios, add thousands of dollars to your bottom line with a few simple conversion hacks, and maximize revenue while keeping your high-risk merchant accounts happy and healthy. As a cryptocurrency advocate since 2012, Maria will also ...
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Leading business owners, startup founders, & venture capitalists share strategies & tools for success on our Podcast. Presented by XKOVA - making crypto easy for everyone. Try out our public beta at beta.xkova.com.
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Talking Banking Matters

McKinsey & Company

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Monthly
 
Hear conversations covering the full spectrum of today's global financial services industry with industry leaders including payments, fintech, retail banking, and beyond. Get insight from peers who are tackling top-of-mind business challenges to lead their companies’ growth and transformation.
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Welcome to “The Payments Guy” — your ultimate guide to navigating the convoluted world of payments. Have you ever felt confused when reviewing your merchant account statement, understanding the role of payment gateways and processors, or dealing with customer disputes and chargebacks? You’re not alone! Each episode, we’re here to demystify the complex world of payments, bringing you top insights from industry experts and sharing real life payment horror stories that will help you make better ...
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(Fin)tech uncensored! We ask tech leaders the questions you always wanted to ask – not shying away from the tough issues and taboos. Issuer processor Enfuce’s Co-Founder and Co-CEO Denise Johansson puts industry leaders in the hot seat, for the hot topics on everyone’s minds from how not to F#ck up compliance, make ESG actually matter, real talk on being a female founder, and more. Expect the unexpected alongside Denise’s trademark candor and wit.
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MoneyMinder has been supporting volunteer-run nonprofit treasurers for nearly two decades. Cyndi helps treasurers navigate this territory as a lifetime volunteer herself. Whether you are new to your role or a seasoned veteran, these tips might just help make your volunteer experience easier.
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Full Stack Radio

Adam Wathan

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Monthly
 
A podcast for developers interested in building great software products. Every episode, Adam Wathan is joined by a guest to talk about everything from product design and user experience to unit testing and system administration.
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Every other week The And She Looked Up Podcast sits down with inspiring Canadian women who create for a living. We talk about their creative journeys and their best business tips, as well as the creative and business mindset issues all creative entrepreneurs struggle with. This podcast is for Canadian artists, makers and creators who want to find a way to make a living doing what they love. Your host, Melissa Hartfiel, left a 20 year career in corporate retail and has been happily self-emplo ...
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Apple news, commentary, and analysis in short, digestible episodes. Join host John Sherrod as he breaks down the latest information about the Mac, iPhone, Apple TV, etc. Support this podcast: https://podcasters.spotify.com/pod/show/yourappleupdate/support
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Welcome to The Swypit Show, where we take a hands-on approach with our clients AND their businesses. Starring the Founder and Owner of Swypit, Kevin Hodes, our show highlights the credit card processing industry and how you can win by utilizing a proven company, bringing over 20 years of industry experience, like Swypit! Kevin brings honesty and integrity to what he considers, the "slimy world of credit card processing." A former chef aboard luxury yachts, his craft brought him into contact ...
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Choosing the Best Payment Processor for Your Online Business in 2025 Wondering which payment processor is right for your online store? In this episode, Maria Sparagis (CEO of DirectPayNet) explains the crucial differences between popular PSPs like Stripe, PayPal, Braintree, and getting your own dedicated merchant account. What you’ll learn: - How S…
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It’s one of the most frustrating things in business: your customer has money, their card works, and they’re ready to buy—but the payment gets declined. In this episode of The Payments Guy, Frank peels back the curtain on why good payments fail, and how you can stop losing money on sales that should’ve gone through. These declines aren’t always abou…
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This month, Al is joined by Jeff Calderwood, CEO of the National Golf Course Owners Association (NGCOA), to discuss the economic impact of golf in Canada and how the industry reflects this year’s tourism trends. Jeff also delves into how golf courses are adapting to changes in travel due to tariffs and the various programs and services offered by t…
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Are webinars really making a comeback? 🤯 In this episode, I sit down with Gia Liossis of GIAffiliate Management to find out why webinars might be your brand’s untapped goldmine—especially if you’re in health, beauty, supplements, or coaching. We get into: - Why webinars still work in 2025 (and who they don’t work for) - The best affiliate audiences…
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From podiums to businesses. Elite sports and high-performing businesses operate under the same unforgiving principles: driving performance requires inspired leadership, clear goals, strict planning, good team dynamics and a healthy serving of resilience. The question isn’t if you need all this but whether or not you have what it takes to implement …
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In this episode, Alex and get into the wild world of hiring — and what happens when 350 people apply for a job... but only eight follow simple instructions. Whether you're a job seeker wondering why you're not landing interviews, or a small business owner trying to avoid the chaos of recruiting, this conversation offers raw insights, real numbers, …
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Worried about the looming recession and how it might impact your online business? In this episode, we're diving deep into recession-proof strategies for e-commerce and direct response brands. I’m joined by Alex to explore how businesses can thrive, not just survive, during economic uncertainty. We cover: ✅ Why building a brand matters more than eve…
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💸 Stripe’s NEW Dispute Fees Are Outrageous — What You *Must* Know to Protect Your Business Stripe just changed the game — and not in a good way. Business owners now face a $30 fee to fight disputes, and if you let Stripe’s “Smart Disputes” AI win them for you, they’ll keep 30% of the recovered amount. Seriously. In this episode, I pull no punches, …
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Waiting for regulation is boring, you don’t need permission to shake up the world! Marja Innanen, Executive Director of UN Global Compact Network Finland, Monika Liikama, Co-CEO and Co-Founder of Enfuce, and Juspal Manic, CRO at Featurespace, sit in the hot seat for a provocative discussion on UN Sustainable Development Goal 16's overlooked challen…
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In this episode my media guy Alex and I dive deep into the implications of Capital One's recent acquisition of Discover. We get into how this major shakeup could affect business owners who accept Discover cards, including potential changes to processing fees, merchant account structures, and overall payment dynamics. There are parallels to Amex's O…
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Al welcomes Douglas Porter, Chief Economist at the Bank of Montreal, to the podcast to discuss Canada’s current economic landscape. They delve into topics such as Canada's economic performance in the first quarter of 2025 and the effects of trade wars with the U.S. on Canadian businesses and consumers. Porter shares valuable advice for small busine…
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Get Disgo: ⁠https://www.disgoapp.io/⁠ TRY XKOVA'S PUBLIC BETA: ⁠https://beta.xkova.com⁠ In this episode of the Business Pulse Podcast, host Candice Jarrett, co-founder of ⁠XKOVA⁠, interviews Lynette Ban, the founder of Disgo, a revolutionary app that enhances social recommendations for bars and restaurants. Lynette shares her journey from a hospita…
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Ever feel like your merchant account application disappeared into a black hole? On today’s episode of The Payment Guy, Frank pulls back the curtain on what’s really going on behind the scenes during underwriting. What are banks actually looking for, and how can you position your business to get approved faster with less friction? In this episode, t…
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🚨 Visa’s New Chargeback Rules Could Shut You Down – Are You Ready? 🚨 Visa is flipping the script on chargebacks—and if you're an online business owner, this affects you. I'm breaking down the new VAMP (Visa Acquirer Monitoring Program) regulations that are already live in Europe and heading to North America. From stricter chargeback thresholds (dro…
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Stripe has officially applied for a Money Transmitter (MALPB) license in Georgia. It's a move that will change what we know about Stripe in payment processing...at least in the U.S. But what does this really mean for your business? In this episode, I, Maria Sparagis, payment processing expert and founder of Direct Payment, break down the real impli…
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Your mobile checkout page NEEDS to be optimized. Mobile is rocketing past desktop for sales, which means more people are tapping around on your mobile site than ever before. If you've left your mobile checkout page unchecked, you're LOSING MONEY. In this video, I'm covering 9 ways you can optimize your mobile checkout to secure sales and bump your …
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Do you ever feel like you need a dictionary to read your merchant account statement? Are hidden fees, confusing charges, or shady contract terms making you second-guess your payment processor? In this episode, Frank breaks down the most essential payment processing terms every business owner should understand. From interchange fees to PCI complianc…
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One of the key challenges finance departments face is connecting the various bits of data generated when money moves into or out of the business. This is especially true for small and midsize businesses. Although a profusion of digital payments providers has cropped up to help such companies, many systems generating data from money movement don’t t…
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Stripe Radar is the built-in fraud tool Stripe offers directly through the dashboard. But if you leave this tool unconfigured, you'll either block valid payments or accept fraudulent ones. So here's how you can tweak Stripe Radar to fit your business better and convert more sales, no matter what region you're in. Need a merchant account? Get in tou…
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Did you know that some businesses are considered "high risk" by payment processors, making them more likely to face sudden account shutdowns and frozen funds? In this episode of The Payment Guy, Frank shares why certain industries are labeled high-risk, the pitfalls of popular payment processors like Stripe and PayPal, and the steps you can take to…
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Rising costs, labour shortages, sustainability, and yes, tariffs, these are just a few of the challenges facing the food service industry in Canada. What is being done about it? Al sits down with Max Roy, VP of Federal and Quebec at Restaurants Canada to talk about it. Also, we all know how important trust is in business, but how do you measure tru…
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Imagine waking up to find your business unable to process payments, your merchant account frozen, your funds held indefinitely. Unfortunately, this happens more often than you’d think. In today’s episode of The Payment Guy, Frank breaks down the key reasons why merchant accounts get flagged, frozen, or even terminated, and more importantly, how to …
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In the payments industry, open banking and account-to-account payments have faced slower adoption in certain markets as they compete with card-based and peer-to-peer systems. In this episode McKinsey payments sector leader Roshan Varadarajan speaks with Johan Tjärnberg, the Group CEO of the open banking and account-to-account company, Trustly, abou…
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Monthly subscriptions are a more sustainable choice for businesses. Not only do customers like them more for various reasons like lower price points, but they help lower your risk profile. Lifetime access sounds appealing—having accessing for an entire lifetime. But that is also the catch. You have to support that product for a lifetime, and if you…
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It’s March, and the #1 topic on the minds of most Canadians is tariffs. How will this affect purchasing decisions moving forward? Al welcomes Gary Sands, Senior VP @ Canadian Federation of Independent Grocers (CFIG) to the podcast. They talk about how independent Canadian grocers are already preparing for the imminent tariffs and what this could me…
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What to do when Square closes your account and you can't accept payments. Just like with Stripe or PayPal or Shopify Payments, Square is keen on shutting down any account that has the slightest tinge of risk. If this happens to you, immediately open a backup account—but don't stop there. That acount is just for 10% of your transactions and to tide …
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Did you know that failing to achieve PCI compliance can not only lead to costly fines but also erode customer trust? In this episode, we break down PCI compliance in simple, empowering terms. Discover what PCI compliance is, why it matters, and how you can protect your business from unnecessary fees, data breaches, and reputational damage. In this …
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Recording this week's episode felt like a moving target! I recorded it on Feb 8th and the news moves so fast that it was hard to keep up. I'm sure you'll notice a few things in here that have since changed. Having said that, this week's episode was born out of the launch of a trade war Canadians didn't ask for. The threats of tariffs and, frankly, …
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In this episode of Talking Banking Matters, McKinsey payments sector expert Roshan Varadarajan speaks with one of the entrepreneurial technologists who seek to solve multiple industry challenges including those of legacy payments technology systems, Zeta cofounder and CEO Bhavin Turakhia. Zeta offers a broad array of technology, with a view to offe…
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Did you know that merchant reserves can significantly impact your cash flow and payment processing experience? In this episode, we dive into the world of reserves—what they are, the different types, and why banks may require them for your merchant account. We also share effective strategies to improve your reserve terms, even if you're operating in…
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This month, Al welcomes back Sean McCormick, VP Business Development at Moneris Data Services to talk about consumer spending data in the first half of the tax holiday in Canada. Was it worth it for Canadians? Obviously every bit of savings helps. But what about Canadian Businesses? Did it change anyone’s shopping behaviour? Listen now to find out.…
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You've been upselling wrong this whole time. Here's how to do it the RIGHT WAY. And for when the upsell doesn't hit or your customer simply can't afford, I've thrown in a few alternatives for you like downselling and affiliate offers. Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-us 0:00 Intro 0:55 What Is an Upsell? 1:48 How t…
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Shopify Payments, the gateway and processor that Shopify uses and AGGRESSIVELY pushes you to use is actually powered by...Stripe! So if you're not able to use Stripe, then you're also not able to use Shopify Payments and vice versa. But luckily, I have some great alternatives for those of you who still want to use Shopify's platform without Shopify…
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Winner of the 2024 Canadian Book Club Awards for fiction, Susan Wadds, author of "What the Living Do", shares her inspiring journey from aspiring poet to published novelist. But we also discuss the power of community and connection in the creative process. Susan fosters safe communities for other creatives through her workshops and retreats while a…
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Did you know that navigating the world of merchant fees can be complex, with various charges impacting your bottom line? In this episode, we break down the key fees associated with payment processing, including the merchant discount rate, chargeback fees, and refund fees. We also discuss essential contract terms like service fees and early terminat…
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