In a market where merchants are constantly being pitched on lower rates, Jesse Memmel makes the case that the real competitive advantage for agents and ISOs has nothing to do with price. In Episode 38 of The Paycast Network, he and host Chase Gunnell dig into the concept of “merchant stickiness” — what makes a merchant relationship durable, why third-party value matters more than ever, and how tools like Enroll & Pay are changing the retention conversation.
Also available on: Apple Podcasts | Paycast Network
Key takeaways from the episode
- Rates aren’t sticky — value is. Merchants who stay long-term aren’t staying because of pricing. They stay because you’ve become part of how their business runs.
- The shift from vendor to consultant. The agents winning in 2026 are positioning themselves as business consultants, not payment processors.
- Loyalty as a retention tool — for ISOs. Enroll & Pay doesn’t just build stickiness between merchants and their customers. It builds stickiness between merchants and the ISOs who introduce it.
- The card-linked difference. No apps, no punch cards, no friction. Jesse explains why card-linked enrollment at the terminal produces high opt-in rates — and what that means for merchant buy-in.
- AI tools are part of the story too. The episode also covers how pairing loyalty with menu and offer intelligence creates a fuller picture of embedded value for independent merchants.
About Jesse Memmel
Jesse is the Chief Product Officer at Enroll & Pay and the founder of Paradise POS. He’s been in the payments industry since 2003 — starting in a call center and building his way to fintech leadership.
Questions? Call (866) 942-5500 or email info@enrollandpay.com
