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Payment infrastructure lessons from scaled businesses
New research reveals the true cost of multi-vendor payment strategies
New independent research from Totavi studied 11 scaled fintech companies and found that payment infrastructure decisions create ripple effects far beyond transaction fees.
In this session, Totavi CEO Matthew Goldman and Branch CPO Ahmed Siddiqui join Marqeta's Rachel Huber to break down the findings, including why 91% of companies switched vendors, 70% underestimated migration timelines by 2-3x, and 64% wish they'd chosen differently from the start. They also share a practical vendor evaluation framework and key takeaways you can apply immediately.
Highlights:
- The TCO iceberg: costs beyond the contract (8:28)
- The fragmentation multiplier: how complexity compounds (17:26)
- The regret factor: why 64% would choose differently (26:19)
- The migration trap: why switching is harder than expected (33:05)
- The partnership advantage: what happens when you get it right (37:37)
- Vendor evaluation framework (40:20)
Want to go deeper? Read the full Totavi research report: The true cost of multi-vendor payment systems.
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