Payments 201

Welcome to Payments 201, an educational video series aiming to explore and explain key topics in the world of payments, providing viewers with an in-depth understanding of the rapidly evolving landscape.

VGS Payments 201 cover card

About Payments 201

Each episode will cover relevant topics within the payments industry. With industry expert Travis Mottershead, the series will break down complex concepts into easily digestible content, making it accessible to those already familiar with the field and want to dive deeper into complex topics. Payments are changing globally and this series will equip and educate you on how to navigate the future of payments ecosystem.

Payments 201 Episode 1
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Episode 1

In the inaugural episode of Payments 201, Travis Mottershead breaks down the complex topic of payment orchestration and how a merchant can control and flexibly route to your preferred PSP.

Payments 201 Episode 2
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Episode 2

Travis breaks down how VGS' Account Updater delivers the most up-to-date credential information to increase authorization rates, reduce failed transactions, and maximize operational efficiency.

Payments 201 Episode 3
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Episode 3

Travis explains why network tokens exist. How does a network token work? How do merchants access network tokens with VGS? In the latest Payments 201 episode, Travis answers a multitude of frequently asked network token questions.

Payments 201 Episode 4
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Episode 4

Digital wallet payments are prevalent in today's payment ecosystem and Travis explains how Apple Pay and Google Pay work with DPANs.

Payments 201 Episode 5
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Episode 5

AI is fundamentally changing how commerce works. See how e-commerce works now, how AI is changing the e-commerce landscape, and how AI services make agentic commerce happen.

Payments 201 Episode 6
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Episode 6

Travis explains what 3DS is, how it works, and why it's important to implement for businesses.

Payments 201 Episode 7
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Episode 7

Whether you have a recurring payments model or a customer-initiated one-time transaction, Travis Mottershead is back to explain how to migrate cards on file successfully.

Payments 201 Episode 8
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Episode 8

Card payments work like a hotel: the network assigns each bank its own floor (a BIN), and when a consumer's card is swiped, an acquirer processor carries the transaction to the network's front desk, which routes it up to the issuing bank to confirm funds and sends approval back down through the same chain to the merchant.

About Travis Mottershead

Senior Director of Product Delivery

As the Senior Director of Product Delivery, Travis leads a dynamic team that partners closely with customers to design and implement payment and data solutions tailored to the unique needs of their businesses. He has also overseen the implementation of every recent project at VGS for enterprise organizations. With a keen understanding of the evolving landscape of payments, Travis drives the creation of innovative products that address both current and future challenges faced by clients across various industries.

Travis began his career as a developer at 17, spending days on end staring at emacs, successfully selling software to large organizations and enterprise clients. He credits his early experience cold-calling business leaders, as a developer, for helping him overcome a severe speech impediment. He uses his journey to teach communication skills to developers looking to bridge the gap between coding and selling their products, something he sees as crucial to the overall growth of industries like Fintech.

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Top Payments Resources
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Card Attributes
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