Payments shouldn’t feel like a maze. We sit down with Kurv’s CEO, Afshin Yazdian, to unpack how a legacy “lifestyle business” evolved into a modern payments platform by stripping out friction, investing in human-centered service, and doubling down on tools that make small businesses stronger. From tap-to-pay on everyday smartphones to faster access to funds, the strategy centers on clarity and speed so owners can focus on sales, staff, and customers - not statements and support tickets.

Afshin walks us through his unconventional path from law to leading roles at iPayment, Priority, and Paysafe before acquiring and rebranding EMS as Kurv. He shares what it took to rebuild operations, unify a new leadership team, and scale applications and activations nearly 10x in 18 months. We explore why transparent pricing, intuitive onboarding, and self-service matter just as much as getting a live expert on the phone, and how that blend becomes a moat in a commoditized market.

We also dig into the high-stakes frontier of AI and fraud. With more digital leads and synthetic identities hitting underwriting queues, Kurv deploys machine learning to protect onboarding and e-commerce merchants while preserving approval rates. Add in real-time payments for better cash flow and a truly omnichannel approach - retail, field services, and online and you’ve got a playbook for SMB payments that is powerful without being complicated. Along the way, Afshin makes a strong case for culture as strategy: communicate clearly, care for people, and let that pride carry through every interaction.

If you’re building, selling, or relying on payments, this conversation will leave you with practical ideas for simplifying workflows, reducing risk, and earning loyalty.