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.
The Race Nobody Wins: Rethinking What Payments Are Actually Worth
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 transactio...
12 Aug 2026
The Hidden Enterprise Value of Payments with Giovanni Diano
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 m...
29 Jul 2026
How KwickPOS Redefined Restaurant Operations with Guiming "Ming" Ye
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...
15 Jul 2026
Data: The Problem & The Solution with Giovanni Diano, Chief Financial Officer
In this episode of Beyond The Transaction, host Todd Linden welcomes Giovanni Diano, CFO of Woodforest Acceptance Solutions, to unravel the critical role of data in the payments landscape. They dissect the challenges and immense opportunities presented by financial data, from processing millions of transaction records to transforming raw information into strategic business intelligence. Discover how clean, accessible payments data empowers companies, drives informed decision-making, and becom...
17 Jun 2026
Data After the Swipe: Turning Transaction Intelligence Into Business Strategy
Todd Linden dives deep into the strategic importance of 'Data After The Swipe.' Discover how payment transactions create a rich tapestry of information that, when properly analyzed, can revolutionize business strategy, market expansion, and customer understanding. We explore how businesses can move beyond basic financial reporting to harness data for significant growth, tactical marketing, and smarter operational decisions. Learn why leveraging transaction intelligence is no longer a luxury b...
27 May 2026
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...
6 May 2026
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-integrat...
25 Mar 2026
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' a...
4 Mar 2026
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...
18 Feb 2026
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, an...
10 Feb 2026
Welcome to Beyond The Transaction
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 busi...
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