The merchant services industry is changing fast. ISOs are becoming ISVs, software companies are moving deeper into payments, and the traditional model of selling a merchant account and a terminal is no longer enough.

In this episode, James Shepherd sits down with Tim McWeeney of Ingenico to discuss the convergence of payments, software, and technology—and what that means for the future of the industry. They explore why merchants are increasingly looking for complete business solutions, the role of vertical software, how AI is changing payment technology, and why the next generation of point-of-sale devices will do far more than simply accept payments. They also take a closer look at Ingenico's evolving technology, including cloud-based applications, SoftPOS, AI-enabled devices, and new tools for software developers.

Plus, Patti Murphy joins James for Today in Payments to discuss the opportunity around gift cards, new data on consumer reactions to card surcharges, and recent developments in New Jersey and Louisiana that could impact how businesses approach surcharging, cash discounting, and dual pricing.