Behind Finix’s self‑serve payment platform

Most payment startups treat compliance like a checkbox instead of survival strategy. Richie Serna, CEO of Finix, sold his previous payments company to Stripe and now competes directly against them, winning 60% of head-to-head deals.

In this conversation with Tom Chavez, Richie breaks down why payments requires 95% feature completeness before product-market fit clicks, how to build abstraction layers that prevent vendor lock-in with legacy processors, and why focusing on non-technical power users beats pure developer experience when scaling payment infrastructure.

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