EPISODE · May 16, 2026 · 13 MIN
Ep. 67 - LIVE from FTT Payments with Protect Group: Refund Protection, Ghost Debt, and the Next Evolution of Embedded Finance
from The Payments Shed Podcast · host Grant Evans and Justin Hanna
Live from FTT Payments, Grant Evans is joined by guest co-host Dwayne Gefferie for a conversation with Sarah Gorton, Financial Services Lead at Protect Group, exploring how embedded protection products are beginning to reshape the economics of payments and commerce.Sarah explains how refund protection can move payments beyond pure infrastructure and into a genuine revenue and conversion driver for merchants. The discussion dives into the idea of the “triple win” in embedded finance, reducing booking anxiety for consumers, improving merchant margins, and creating better commercial outcomes across the transaction journey.They also explore the rise of BNPL risk, the concept of “ghost debt”, and how smarter embedded protection models could help both consumers and lenders manage financial uncertainty more effectively in the future.Plus, Sarah steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments she’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments, real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at www.isx.financial***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.https://teampcn.com/***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.
What this episode covers
Live from FTT Payments, Grant Evans is joined by guest co-host Dwayne Gefferie for a conversation with Sarah Gorton, Financial Services Lead at Protect Group, exploring how embedded protection products are beginning to reshape the economics of payments and commerce.Sarah explains how refund protection can move payments beyond pure infrastructure and into a genuine revenue and conversion driver for merchants. The discussion dives into the idea of the “triple win” in embedded finance, reducing booking anxiety for consumers, improving merchant margins, and creating better commercial outcomes across the transaction journey.They also explore the rise of BNPL risk, the concept of “ghost debt”, and how smarter embedded protection models could help both consumers and lenders manage financial uncertainty more effectively in the future.Plus, Sarah steps up for The Payments Shed’s legendary Shelf of Shame — calling out one thing in payments she’d happily banish forever.***The Payments Shed Podcast is headline sponsored by ISX Financial.ISX Financial, delivers a unified ecosystem with multi-currency accounts, online payments, real-time UK and EU transfers and global mass payouts. Within that platform, PaidBy® provides Pay by Bank with real-time settlement notifications, automated reconciliation and integrated refund management. One partner, one integration — helping your business transact with confidence. Learn more at www.isx.financial***The Payments Shed Podcast is sponsored by Cyclops.Cyclops is a crypto and stablecoin infrastructure platform for payments companies, enabling PSPs, acquirers and processors to offer crypto acceptance, stablecoin settlement and payouts without building their own blockchain stack. It provides a unified solution for pay ins, payouts and fiat to digital asset conversion, with simple API or low code integration. Built specifically for the payments ecosystem, Cyclops focuses on making stablecoins practical, scalable and commercially viable.Learn more at - https://www.cyclops.io/***The Payments Shed Podcast is supported by PCN.PCN is a boutique recruitment agency rooted in Amsterdam, driven by a singular mission: connecting top talent with industry leaders. PCN specialises in five core pillars — Fintech, Cybersecurity, SaaS, E-Commerce, and Salesforce — backed by a global network across borders.https://teampcn.com/***Disclaimer. Any views or opinions referenced in this podcast episode are our own, or those of our respective guests, and they do not represent any views, opinions, or statements from our respective employers, or those of our guests. Additionally, any views expressed here are not intended as investment, legal, tax, or financial advice.
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Ep. 67 - LIVE from FTT Payments with Protect Group: Refund Protection, Ghost Debt, and the Next Evolution of Embedded Finance
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