Reforming Retail

Australia Bans Surcharges Because Banks Have Too Much Power

Australia has a super, super cool surcharge economy. And we’re not just talking about credit card surcharges. In Australia, it’s common for businesses to add surcharges at the slightest...

Pattern Matching Payments: Stripe’s Secret Weapon That Might Crush Adyen

We’ve watched the vertical software space for the past 15 years, having participated on many sides as operator, advisor, and investor. If there’s one thing that the entire investment community...

OpenAI Plugs Payment Hole That Google Wallet Missed

The goal of every fintech is to essentially become a super app. They exist in Asia, but not in the US. This AI overview explains it pretty well: A super app is a single, multi-functional mobile...

Payments Neutrality Is A Terrible Business Strategy in SMB

This is not an article about being morally right. Or fair. Or doing what’s in the best interest of your customers. This is about reality. Because if you didn’t already know, money and power make...

Toast Fee Increases Match Payment Bro Patterns

Payment bros are more sophisticated than any other bro we’ve seen. King of the bros. The zenith of brodom. Finance bros use spreadsheet tricks you can teach a 13-year old. Payment bros are in a constant...

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