The conversation opens on a blunt question: can a solo agent or a small team still build something meaningful in payments, or is the market a race to zero? Frank Pagano of VizyPay (https://www.vizypay.com/) doesn’t flinch. He argues it’s still doable, but only if you control the customer journey and make hard, long-term decisions that trade fast cash for durable value. His path into payments began with curiosity and proximity—meeting a neighbor, seeing success up close, and challenging the as...