Payments Strategist
Payments Strategist
Podcast Description
Welcome to the Payments Strategist, the show where we explore the world of online payments, the strategies driving payments innovations, and the experts leading the way.
In every episode we invite top payment professionals to share their insights and experiences.
Podcast Insights
Content Themes
The show focuses on key themes in the payments landscape, including trends in online payments, subscription business challenges, and cross-border transactions. For example, episodes cover topics like the high costs of credit card processing for merchants, the significance of payment orchestration, and the implications of generative AI in payments.
Welcome to the Payments FM (prev. Payments Strategist), the show where we explore the world of online payments, the strategies driving payments innovations, and the experts leading the way.
In every episode we invite top payment professionals to share their insights and experiences.
Agentic commerce was one of the loudest e-commerce trends of 2025 — but is it real demand or mostly hype + incentives?
In this episode of Payments FM, Nikita sits down with Colin Luce, Founder & CEO of Basis Theory, to unpack what’s actually happening in agentic commerce and agentic payments right now, what merchants should do today, and why trust + tokenization might decide how this all plays out.
We cover:
The real blocker: messy merchant data and product availability
Embedded checkout vs “true agents transacting on your behalf”
Why virtual cards would be a bad end-state for the ecosystem
ACP (Agentic Commerce Protocol), platform incentives, and “who owns the customer?”
Where agentic payments may show real near-term value (hint: not the sexy B2C stuff)
Subscribe on YouTube / Spotify / Apple Podcasts, and for future episodes go to payments.fm.
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https://payments.fm/p/slack
Chapters
01:36 Welcome Colin Luce (Basis Theory)
02:23 FOMO, hype, and incentives driving adoption
06:04 What merchants should do first (traffic, data, readiness)
12:36 Payments realities: embedded checkout vs true agent payments
19:37 Are today’s demos “magic”? (disappointing discovery, data quality)
23:50 Best use cases + where agentic commerce really helps
34:26 Protocols, ACP momentum, and merchant voice
41:31 Who should store the payment credential? (trust + tokenization)
44:59 Chargebacks & liability in an agent-driven world
46:23 Cybersecurity risks in the rush to ship
49:49 Biggest blocker in payments: behavior change
54:01 One elevator tip to improve payment performance
#payments #ecommerce #fintech #tokenization #agenticcommerce #ai
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