The payments industry is changing—and according to Vlad Sadovskiy, CEO of Netevia, the agents who win in the next phase won't necessarily be the ones with the highest residual splits. They'll be the ones with the right solutions for the right merchants.

In this episode, James Shepherd sits down with Vlad to discuss the changing ISO market, the growing importance of Square and Clover, and why solution-based selling is becoming more important. They break down Square's 70% offer, why a lower split can still produce more revenue, how verticalization is changing merchant acquisition, and why giving merchants a solution they'll actually say "yes" to can matter more than chasing the highest residual percentage.

The episode wraps up with Patti Murphy's Today in Payments segment covering Toast's expansion into fuel stations, changes to Visa and Mastercard economics, international real-time payments, and the continued evolution of digital payments.