<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<url><loc>https://jjthaeler.medium.com/we-analyzed-shift4s-256-page-s-1-here-are-our-thoughts-c8296bbf9995</loc><lastmod>2020-06-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-set-to-nab-another-300m-killing-it-on-card-not-present-fees-during-covid-but-wheres-the-75ad8d1e1d7a</loc><lastmod>2020-06-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-f2ff083d26a1</loc><lastmod>2020-05-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/upserve-enforces-non-compete-has-shift4-cpo-removed-until-may-2021-at-earliest-95e7d5ce51e4</loc><lastmod>2020-05-26</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/spot-on-how-payments-entrepreneurs-are-changing-to-software-and-hiring-in-covid-575f1bb7e9bf</loc><lastmod>2020-05-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-surprising-things-we-learned-by-analyzing-toasts-list-of-layoffs-a03ec28198b6</loc><lastmod>2020-05-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/reformingretails-payment-sos-tsys-global-march-2020-41d79c4b5438</loc><lastmod>2020-05-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/legislators-were-boning-smbs-on-tip-payouts-before-covid-19-will-it-continue-c61cbbce7952</loc><lastmod>2020-05-12</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/a-sobering-reality-awaits-brick-and-mortar-fd7b17a5bcfb</loc><lastmod>2020-05-07</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/covid-creating-unrealistic-consumer-delivery-expectations-what-happens-next-f1f081014b86</loc><lastmod>2020-05-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toasts-butter-6554eef6d042</loc><lastmod>2020-04-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-the-pos-industry-will-change-after-covid-75071c3095aa</loc><lastmod>2020-04-28</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/patent-troll-ameranth-disgustingly-seeks-to-benefit-from-online-ordering-popularity-during-covid-19-639f49296206</loc><lastmod>2020-04-23</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/if-you-were-laid-off-from-toast-you-were-just-handed-some-great-lessons-for-your-next-job-44288865d1ed</loc><lastmod>2020-04-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2020-09-03-how-did-paypal-score-record-margins-whil-5a309f47b7d8</loc><lastmod>2020-09-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-travis-kalanicks-cloudkitchens-uses-otter-as-a-trojan-horse-for-data-domination-c2bcb475ec7c</loc><lastmod>2020-09-01</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
<url><loc>https://jjthaeler.medium.com/heartland-pos-has-accounting-debacle-for-the-ages-but-momma-needs-them-fees-342ad28f242b</loc><lastmod>2020-08-27</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
<url><loc>https://jjthaeler.medium.com/the-restaurant-industrys-first-actionable-benchmark-that-covers-literally-every-global-location-f695787b3b28</loc><lastmod>2020-08-25</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
<url><loc>https://jjthaeler.medium.com/thanks-to-data-science-analyze-quote-payments-in-under-a-minute-with-statement-scanner-8c4210a976d8</loc><lastmod>2020-08-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/meituan-the-profitable-100b-chinese-delivery-company-shows-unworkable-delivery-economics-aa5b3760d1ed</loc><lastmod>2020-08-18</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ncr-promoting-vp-of-hospitality-product-role-that-should-be-entirely-scrapped-4aed9a0b297a</loc><lastmod>2020-08-12</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/are-you-an-isv-or-agent-that-resells-payments-then-which-of-these-is-your-biggest-problem-376367040eeb</loc><lastmod>2020-08-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/direct-pos-distribution-is-increasingly-untenable-why-vend-took-the-partnership-channel-493bb61282d</loc><lastmod>2020-08-06</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ncr-using-covid-crisis-to-monetize-payments-fortunately-aloha-pos-appears-on-its-death-bed-bbc0c313d2e5</loc><lastmod>2020-08-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2020-07-30-par-ceo-issues-refreshing-letter-that-sh-f6d2932baddd</loc><lastmod>2020-07-30</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/while-other-processors-zig-shift4-zags-in-the-right-direction-5cda82a7e04f</loc><lastmod>2020-07-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/reformingretails-payment-sos-elavon-paysafe-worldpay-may-2020-608c19ede642</loc><lastmod>2020-07-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/oracles-1-pos-workstation-upgrade-invites-all-sorts-of-questions-3147082cbf81</loc><lastmod>2020-11-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-questions-we-have-when-examining-lightspeeds-acquisition-of-shopkeep-5976ac204e7f</loc><lastmod>2020-11-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-four-emerging-models-of-ghost-kitchens-842b80332ed7</loc><lastmod>2020-11-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toasts-latest-cease-and-desist-incredibly-demeaning-shines-direct-light-on-toast-culture-c85df15e133a</loc><lastmod>2020-11-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/latest-enterprise-pos-wins-show-why-ncr-is-a-walking-corpse-d0a3d85068a4</loc><lastmod>2020-11-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/true-cost-of-legacy-pos-integration-and-why-its-getting-more-expensive-f2234297a955</loc><lastmod>2020-10-27</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-abandons-enterprise-tells-largest-customer-jamba-juice-it-wont-renew-contract-must-34d16fca9875</loc><lastmod>2020-10-20</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
<url><loc>https://jjthaeler.medium.com/about</loc><lastmod>2026-04-14</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
<url><loc>https://jjthaeler.medium.com</loc><lastmod>2026-04-14</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
<url><loc>https://jjthaeler.medium.com/at-50b-market-cap-doordash-has-to-add-a-ton-of-annual-growth-to-keep-investors-happy-954bcdbe3ca7</loc><lastmod>2021-01-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/do-restaurant-jobs-come-back-or-will-merchants-use-covid-as-opportunity-to-better-leverage-3afbec656f03</loc><lastmod>2021-01-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/branded-strategic-sets-standard-for-app-store-economics-plus-current-integration-costs-of-major-45249238912b</loc><lastmod>2021-01-12</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-much-payments-margin-is-too-much-e4d4bd9863f0</loc><lastmod>2021-01-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-massive-challenges-for-labor-tools-and-what-a-good-solution-requires-3030d7ba7f68</loc><lastmod>2020-12-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/a-rare-lesson-in-stack-integration-apple-brings-processing-in-house-and-performance-increases-668c879e1a31</loc><lastmod>2021-03-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/this-pos-payments-review-site-deserves-serious-consideration-as-standard-reference-material-8089fb116962</loc><lastmod>2021-03-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-buys-large-micros-reseller-do-these-stated-reasons-make-sense-2a3199aa50d0</loc><lastmod>2021-02-23</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/yes-this-conversation-with-a-pos-dealer-actually-happened-2d926a038bc4</loc><lastmod>2021-02-18</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-nearly-triples-payments-margins-on-restaurants-during-pandemic-openly-brags-about-it-to-47f268ac8659</loc><lastmod>2021-04-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-retail-tech-stack-is-becoming-wholly-untenable-when-does-it-collapse-60ebf9c2f8c8</loc><lastmod>2021-05-25</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-three-biggest-questions-facing-offline-commerce-over-the-next-five-years-4a70d5746950</loc><lastmod>2021-05-18</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/hilarious-irony-how-surcharging-will-kill-merchant-acquirers-even-faster-d8612feeca4e</loc><lastmod>2021-06-29</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/slice-gets-into-pos-will-be-a-tough-competitor-in-pizza-3aa53fce970c</loc><lastmod>2021-06-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2021-09-22-final-toast-s-1-analysis-should-i-invest-ce59288ef1b1</loc><lastmod>2021-09-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-argument-for-a-square-twitter-merger-1bbe7b03902c</loc><lastmod>2021-09-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-s-1-analysis-part-2-of-3-6e0bc1f065de</loc><lastmod>2021-09-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-biggest-winners-and-losers-in-olos-acquisition-of-wisely-febe60211d51</loc><lastmod>2021-11-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/onedine-shares-payment-rates-to-expose-how-expensive-smb-qr-payments-are-6af009ea010d</loc><lastmod>2021-10-26</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-makes-another-apparent-rate-increase-f2cb8c9cc8a5</loc><lastmod>2021-12-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/reformingretails-payment-sos-series-wtf-worldpay-e55b0d6b7c93</loc><lastmod>2022-01-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2022-01-04-processing-your-payments-directly-with-a-d37417206f82</loc><lastmod>2022-01-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-apple-might-become-the-largest-merchant-acquirer-on-their-way-to-eliminating-payments-margin-435289794f24</loc><lastmod>2022-02-01</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-q3-shareholder-letter-leaves-us-really-really-baffled-c48b03c0d13a</loc><lastmod>2022-01-25</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/touchbistro-restaurant-industry-updates-part-2-29788544f0b8</loc><lastmod>2022-03-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-merchants-consistently-violate-surcharging-rules-who-takes-toast-to-court-62ece9b23dff</loc><lastmod>2022-03-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/latest-toast-demands-irreparably-harm-industry-and-look-desperate-45042827b9ed</loc><lastmod>2022-03-08</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/not-a-typo-heartland-payments-making-1-06-per-transaction-on-restaurant-customer-9d642085ce25</loc><lastmod>2022-03-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/reformingretails-payment-sos-series-tsys-paysafe-ecc1664f4dc1</loc><lastmod>2022-04-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/as-pos-companies-end-of-sale-legacy-systems-restaurant-industry-finally-celebrates-cloud-first-653aa930436d</loc><lastmod>2022-04-12</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/oracle-launches-oracle-pay-partners-with-aben-to-drive-merchant-revenue-with-payments-data-41f1bfa89af0</loc><lastmod>2022-07-06</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/with-looming-recession-third-party-delivery-must-be-the-canary-in-the-mine-6a7f1db1f62f</loc><lastmod>2022-08-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-d696583a9c9f</loc><lastmod>2022-08-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-special-guest-worldpay-64f04d6b5649</loc><lastmod>2022-08-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/clover-merchant-gets-caught-with-incorrect-surcharging-taxes-808baf4b342a</loc><lastmod>2022-09-08</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heres-whom-global-payments-acquires-after-evo-8ac7a0ac7018</loc><lastmod>2022-08-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/aben-launches-free-dma-level-statistically-accurate-restaurant-benchmarking-754b7270f975</loc><lastmod>2022-09-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/fiserv-ncr-call-it-quits-c36a31b7157f</loc><lastmod>2022-09-27</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/anonymous-mailbag-what-would-it-take-for-toast-ncr-and-others-to-avoid-your-hit-list-cfdaa5ef0a14</loc><lastmod>2022-09-23</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/infinicept-spearheads-landmark-framework-for-payfacs-summed-as-dont-payments-bro-me-dc855dbb5dba</loc><lastmod>2022-09-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/why-retail-restaurant-tech-vendors-seemingly-offer-everything-you-cant-make-money-helping-88d0840a2cb0</loc><lastmod>2022-11-29</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/xenial-starts-charging-big-money-for-integrations-warranted-or-jeff-sloan-8b2f57fa0085</loc><lastmod>2023-02-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-end-of-lifeing-acquired-pos-assets-dealer-outcomes-and-their-expanding-margin-2ca3c3bf3864</loc><lastmod>2023-01-31</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-card-connect-219064fa3a86</loc><lastmod>2023-02-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/southwest-airlines-debacle-stark-reminder-of-the-costs-of-doing-nothing-hint-thats-retail-s-14b84c36a08e</loc><lastmod>2023-03-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ncr-systems-down-since-wednesday-but-ncr-has-a-plan-87f8ba8aefe6</loc><lastmod>2023-04-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-acquires-focus-pos-some-dealers-aint-happy-but-there-may-be-a-silver-lining-9e51431cb48b</loc><lastmod>2023-04-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/dutchie-pos-offers-pin-debit-card-payments-at-up-to-33x-market-rates-68721c33485f</loc><lastmod>2023-04-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/banks-cooperate-to-offer-new-ecomm-wallet-card-networks-likely-long-term-losers-ba5d84c8ce9f</loc><lastmod>2023-04-25</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-evo-payments-now-global-payments-13824620a915</loc><lastmod>2023-05-23</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/adyen-boots-stripe-from-olo-while-legacy-processors-arent-even-relevant-2b7dcf736343</loc><lastmod>2023-05-18</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/lightspeed-goes-full-shopify-and-mandates-payments-with-pricey-fee-for-non-adopters-3b6c23311371</loc><lastmod>2023-05-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toasts-genius-upmarket-strategy-that-should-worry-pos-incumbents-4c9e618b3954</loc><lastmod>2023-08-29</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/when-does-the-market-recognize-the-saas-vs-payments-arbitrage-7285230cbef7</loc><lastmod>2023-09-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/global-ceo-on-raising-prices-liar-or-incompetent-you-decide-5806d1a99e15</loc><lastmod>2023-09-12</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2023-09-26-adyen-share-price-tanks-buy-adyen-d217c6f38d5</loc><lastmod>2023-09-26</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-fiserv-via-cardconnect-november-2023-e2cc2fc51f2c</loc><lastmod>2023-10-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/fed-wants-to-lower-debit-card-fees-it-will-save-merchants-0-and-legislators-should-learn-aad28f90afaf</loc><lastmod>2023-10-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/par-wins-pos-online-ordering-at-burger-king-in-massive-blow-to-global-payments-olo-a6a4355c291b</loc><lastmod>2023-11-07</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/squares-canadian-pricing-looks-expensive-especially-in-cannabis-d0971638e235</loc><lastmod>2023-12-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-high-risk-labeling-means-payments-companies-leave-easy-money-on-the-table-cea299694edf</loc><lastmod>2024-01-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/b2b-card-payments-is-a-false-hope-for-99-of-use-cases-7ae5155f5ee6</loc><lastmod>2024-02-06</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/new-lines-of-business-that-can-make-toast-1b-arr-and-close-their-ebidta-shortfall-6fce6394ef7e</loc><lastmod>2024-02-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/m-a-scenarios-in-retail-pos-and-payments-part-1-3138b1abc334</loc><lastmod>2024-02-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4s-m-a-strategy-is-a-facepalm-47f1520beb7b</loc><lastmod>2024-03-07</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/exposing-olo-part-1-introduction-aa918656bcde</loc><lastmod>2024-03-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-path-to-exit-for-retail-tech-companies-is-abysmal-f5f8371bdc31</loc><lastmod>2024-04-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-visa-mastercard-settlement-is-a-massive-joke-and-a-waste-of-everyones-time-19abdf04c7c8</loc><lastmod>2024-04-23</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-320b-underbelly-of-restaurant-distribution-that-needs-modernization-part-1-dfb5cf7f042e</loc><lastmod>2024-04-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-320b-underbelly-of-restaurant-distribution-that-needs-modernization-part-2-dcc4831deae7</loc><lastmod>2024-06-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-acquires-the-customer-connection-runs-payments-bro-masterclass-1d379e18ac86</loc><lastmod>2024-06-25</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/us-healthcare-has-29x-the-unicorns-as-us-restaurant-industry-despite-being-modestly-larger-99ca80eb4c6f</loc><lastmod>2024-07-23</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/youve-been-warned-apple-is-coming-for-payments-f8b626ac5999</loc><lastmod>2024-08-06</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-updates-surcharging-reveals-diabolical-play-to-225-bps-of-payments-margin-3bc85554b5b5</loc><lastmod>2024-08-01</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-should-just-rebrand-to-shaft4-to-be-consistent-with-their-merchant-abuse-070ec90ffc45</loc><lastmod>2024-07-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/using-kiosks-olo-as-barometer-for-restaurants-glacial-adoption-of-anything-sensical-46d8581411f7</loc><lastmod>2024-09-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/summer-2024-payment-bro-olympics-537f9a9558b2</loc><lastmod>2024-09-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/takeaways-from-toasts-investor-day-part-2-49a052da4065</loc><lastmod>2024-10-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-heartland-payments-55e949e88b13</loc><lastmod>2024-11-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-apparently-acquires-eigen-so-more-merchants-can-be-homeless-this-holiday-900cf65151c9</loc><lastmod>2024-12-12</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-cranks-fees-on-givex-merchants-while-ink-dries-on-acquisition-paperwork-ab6f18f51d08</loc><lastmod>2024-12-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-jp-morgan-chase-fa2a7131aa5f</loc><lastmod>2024-12-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toasts-problem-upmarket-1b959a49c4c0</loc><lastmod>2024-12-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-dumb-does-global-payments-think-we-are-184583713bb4</loc><lastmod>2025-01-14</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2025-01-28-can-you-find-worse-abuse-than-whats-in-t-161fef75a7ca</loc><lastmod>2025-01-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/condensed-gross-interchange-is-shaft4s-simplechange-scam-by-another-name-0cc5ad14f0c0</loc><lastmod>2025-01-21</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/why-shift4-keeps-acquiring-gift-card-companies-e5dd6e39a757</loc><lastmod>2025-03-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/it-looks-like-doordash-pos-finally-launches-66a622326861</loc><lastmod>2025-03-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/jeff-sloan-joins-ncrs-board-and-ncr-issues-massive-fee-increase-0597ea2a791a</loc><lastmod>2025-04-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/investors-admit-retailers-are-morons-aim-to-move-around-them-entirely-dd32fd08e347</loc><lastmod>2025-04-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-cardpointe-global-payments-tsys-2ef3e62a7e31</loc><lastmod>2025-05-21</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/will-tariffs-finally-bring-softpos-to-market-4a62fbfd9424</loc><lastmod>2025-06-10</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/why-dual-pricing-is-actually-the-fairest-payments-pricing-model-e9d7aace5828</loc><lastmod>2025-07-16</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/how-to-actually-build-to-card-schemes-4553f5508d06</loc><lastmod>2025-07-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-many-revel-merchants-saw-a-150-rate-increase-from-shaft4-d670570c6740</loc><lastmod>2025-09-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2025-08-26-chargebacks-vamp-and-racketeering-for-th-17fb289f8dc2</loc><lastmod>2025-08-26</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-signs-that-have-us-thinking-toast-is-in-trouble-2d3fbb2dd38c</loc><lastmod>2025-09-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/every-iso-agent-can-now-offer-embedded-payments-part-2-of-2-8a99275a3cb6</loc><lastmod>2025-09-23</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/finally-a-use-for-credit-cards-college-athletics-db765c4fecdb</loc><lastmod>2025-11-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/were-confused-how-the-market-is-confused-about-fiserv-6fa0eaba70c9</loc><lastmod>2025-11-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-fast-will-b2b-card-volumes-go-to-zero-ec449bc918e3</loc><lastmod>2025-12-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/tsg-fiserv-integrated-payments-report-so-ironic-its-alarming-ec38de512123</loc><lastmod>2025-11-25</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-and-when-consumers-will-be-able-to-buy-cannabis-with-payment-cards-eeb915950ac9</loc><lastmod>2026-01-06</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-founder-gets-caught-in-ai-crosshairs-538b38d02b19</loc><lastmod>2026-01-27</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/how-long-until-olo-increases-prices-b2d7b44a8908</loc><lastmod>2026-03-17</lastmod><changefreq>daily</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/we-have-zero-concern-ai-will-disrupt-toast-and-other-retail-vendors-343dc7615bd2</loc><lastmod>2026-03-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ameranth-an-arguable-patent-troll-forced-to-pay-millions-to-dominos-for-online-ordering-claims-ffbf7767912a</loc><lastmod>2021-07-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2021-07-13-shift4-quietly-increases-fees-trademarks-fa67d37cf010</loc><lastmod>2021-07-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2021-07-06-how-privacy-laws-and-payment-acquirers-a-2860f277e994</loc><lastmod>2021-07-06</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-27427e5dfb32</loc><lastmod>2022-06-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-payments-edition-4d2a95317a98</loc><lastmod>2022-06-07</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2023-01-27-cannabis-comes-to-new-york-and-the-state-8661f1b9169f</loc><lastmod>2023-01-27</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/with-subway-leaving-olo-does-onosys-get-acquired-ae8f885cde54</loc><lastmod>2023-01-25</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/at-t-decreases-rebate-for-bills-paid-by-credit-card-6a219190eed9</loc><lastmod>2023-08-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/worldpay-cancelling-yet-more-iso-commissions-with-overreaching-notifications-possible-class-5e9e5b5d0a84</loc><lastmod>2023-08-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/credit-card-surcharging-part-2-compliance-merchants-in-open-violation-of-surcharging-rules-5db04d9b7ea0</loc><lastmod>2024-04-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/what-we-know-about-toasts-sept-1-payments-fee-increase-0f8915c7133f</loc><lastmod>2024-08-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-long-until-doordash-kills-olo-9444e9e52b85</loc><lastmod>2025-01-07</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-massive-tsys-carnage-c901c6e76fbd</loc><lastmod>2025-10-28</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/why-pars-share-price-tanked-f8b2ec342bb1</loc><lastmod>2025-10-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heartland-rams-a-65-basis-point-fee-and-shocker-global-payments-makes-fortune-500-b14631a60679</loc><lastmod>2021-07-26</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/spotons-big-series-d-just-might-test-a-major-dynamic-41435e5bd93</loc><lastmod>2021-07-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heartland-restaurant-pos-becomes-first-known-offender-to-abuse-cloud-and-block-pos-integrations-d022fdc2de88</loc><lastmod>2021-07-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-case-for-a-par-olo-merger-64ec9ed6e9c1</loc><lastmod>2021-08-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/will-we-rethink-restaurant-tech-dynamics-after-the-restaurant-tech-summit-5a9db46b43e5</loc><lastmod>2021-07-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/at-it-again-heartland-stuffs-statements-with-value-added-services-that-are-lols-for-days-fe8c0ee97b70</loc><lastmod>2021-07-27</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/some-merchants-start-pushing-back-against-toast-qr-ordering-rates-9c53b4c610c1</loc><lastmod>2021-08-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2021-08-10-our-prediction-for-the-2025-payments-acq-cb5e2f3e27c6</loc><lastmod>2021-08-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/another-exodus-of-ncr-employees-and-ncr-reportedly-kills-aloha-nextgen-pos-df306d1723c0</loc><lastmod>2021-08-31</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/pos-will-be-unrecognizable-in-a-decade-but-todays-pos-companies-can-t-change-fast-enough-1b812d866706</loc><lastmod>2021-08-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/tsys-went-down-why-legacy-payment-backends-are-trash-and-how-silverflow-fixes-them-29f5d0d7a5f6</loc><lastmod>2021-09-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-s-1-analysis-part-1-of-3-4ff1645ec0bb</loc><lastmod>2021-09-07</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ncr-finally-shopping-aloha-and-their-asking-prices-is-lolz-aa3405867c71</loc><lastmod>2021-11-23</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/amazon-starts-surcharging-in-singapore-stops-accepting-visa-in-uk-as-sign-of-times-to-come-ffe0f6ebb52a</loc><lastmod>2021-11-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-might-be-overpaying-to-acquire-customers-this-is-the-logical-outcome-250ba412f2a0</loc><lastmod>2021-11-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/fis-reveals-average-payments-margins-leaving-us-with-two-key-questions-c485f286b9b6</loc><lastmod>2022-02-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-looks-to-be-killing-their-channel-partners-with-fee-increases-fa6e86c01e07</loc><lastmod>2022-02-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/payments-data-is-as-important-as-pos-data-when-do-merchants-wake-up-e308e8cbd64</loc><lastmod>2022-02-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2022-03-04-why-even-enterprise-merchants-are-moving-b52e6543bc1</loc><lastmod>2022-03-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/aben-launches-tool-that-lets-restaurants-retailers-play-god-977f02bb7200</loc><lastmod>2022-03-01</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/in-less-than-two-weeks-shift4-sends-second-lopsided-partner-communication-2064bcb1ebb1</loc><lastmod>2022-02-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/if-you-source-payments-from-your-pos-you-must-demand-this-term-ebc2da6dd55a</loc><lastmod>2022-04-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/takeaways-from-murtec-2022-f72cd9e9dce</loc><lastmod>2022-03-29</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-larger-merchants-might-save-tons-of-money-by-using-payfacs-44576667726e</loc><lastmod>2022-05-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/about-olos-acquisition-of-omnivore-48c5874fc90d</loc><lastmod>2022-04-26</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2022-11-01-touchbistro-raises-150m-to-upgrade-tech-2cdb75648ca5</loc><lastmod>2022-11-01</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ncr-increasing-cloud-pos-fees-by-8-5-f1e44506f857</loc><lastmod>2022-10-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/analyst-asks-why-sec-is-not-investigating-shift4-numbers-839b4a7c5a6a</loc><lastmod>2022-10-25</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/dear-analysts-heres-what-toast-s-fee-increase-means-for-your-returns-97f22aa99216</loc><lastmod>2022-10-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/worldpay-cuts-residuals-to-inactive-mercury-isos-735d408764f3</loc><lastmod>2022-11-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-special-guest-shift4-1b42459bd350</loc><lastmod>2022-11-08</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/observations-of-the-cannabis-pos-landscape-including-payments-nonsense-3ae7fc004ced</loc><lastmod>2022-11-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ncr-still-charging-absurd-integration-fees-making-3rd-party-enterprise-solutions-untenable-bf58d573550b</loc><lastmod>2022-11-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/i-have-amazing-payments-rates-say-merchants-who-know-nothing-about-payments-are-getting-boned-b6c951182ef7</loc><lastmod>2022-11-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-pulls-epic-contract-switcharoo-to-4x-their-payments-margin-e0e8eefa39bb</loc><lastmod>2022-12-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/cannabis-might-play-out-like-ghost-kitchens-but-even-worse-for-smb-dispensaries-8031b75ce09f</loc><lastmod>2022-12-08</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ncr-splits-in-two-so-it-can-deliver-twice-the-disappointment-8c3d78593481</loc><lastmod>2022-12-06</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/canada-approves-surcharging-will-it-be-as-popular-as-it-is-in-the-us-6fd42e37668e</loc><lastmod>2023-03-07</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-makes-major-changes-to-payments-strategy-as-it-pursues-enterprise-d7ed55baeec1</loc><lastmod>2023-02-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-chase-paymentech-e79b9294059c</loc><lastmod>2023-04-18</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/why-jeff-sloan-left-global-payments-4ef17a1ad67a</loc><lastmod>2023-05-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heres-why-square-should-buy-spoton-9b049cc7faeb</loc><lastmod>2023-06-27</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-worldpay-b1e4bb1c01ff</loc><lastmod>2023-06-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/all-of-retails-problems-are-already-solved-so-why-don-t-retailers-use-the-solutions-6800c6a179a9</loc><lastmod>2023-08-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-loses-largest-customer-in-jamba-while-qu-picks-up-preferred-pos-at-focus-brands-7d7c3e5345f0</loc><lastmod>2023-10-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/after-losing-lowes-and-home-depot-insiders-say-ncr-lost-walmart-self-checkout-business-6484fbce9f96</loc><lastmod>2023-10-03</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
<url><loc>https://jjthaeler.medium.com/the-battle-for-enterprise-restaurant-par-vs-olo-for-now-at-least-8206ffdedb0b</loc><lastmod>2023-10-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/restaurants-spend-less-than-0-2-on-software-so-expect-widespread-resttech-failures-shortly-5bb99447620e</loc><lastmod>2023-10-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/software-companies-are-screwing-up-their-embedded-payments-925bee75eb1e</loc><lastmod>2023-11-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/branded-hospitality-ventures-is-a-window-into-the-disaster-that-is-restaurant-tech-4e0969034cdd</loc><lastmod>2023-11-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/guess-what-restaurant-tech-founders-do-after-selling-their-companies-ce6b542b8a0b</loc><lastmod>2023-12-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/why-lightspeed-pos-will-crush-2024-2025-expectations-24b8dd5d7651</loc><lastmod>2024-02-27</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/m-a-scenarios-in-retail-pos-and-payments-part-2-f36a163fd407</loc><lastmod>2024-02-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/internal-dutchie-communications-shine-light-on-company-struggles-questionable-behavior-9d1c5396a571</loc><lastmod>2024-03-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/credit-card-surcharging-part-1-a-history-697c8335323f</loc><lastmod>2024-04-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/exposing-olo-part-2-background-3954fa232ace</loc><lastmod>2024-04-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/why-everyone-in-payments-needs-to-pay-attention-to-pix-d4c67f4fb8c0</loc><lastmod>2024-04-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-legitimate-concerns-for-toasts-tam-bf18018c94bd</loc><lastmod>2024-05-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/whats-the-biggest-mistake-retail-tech-founders-make-you-ll-never-guess-1ed87d644d05</loc><lastmod>2024-06-18</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/softpos-is-the-sleeping-giant-that-can-bring-down-payment-barriers-09b5065724ef</loc><lastmod>2024-08-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-ncr-payments-fiserv-cardpoint-0cc60dd8fb12</loc><lastmod>2024-09-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/exposing-olo-part-4-the-litigations-2ec956f0c717</loc><lastmod>2024-10-29</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/teaching-investors-how-legacy-payment-companies-meet-the-quarter-360ef22e32d6</loc><lastmod>2024-10-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/subtle-toast-contract-changes-could-have-wide-implications-in-toasts-favor-naturally-50a2a4811e9e</loc><lastmod>2024-11-26</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2025-02-04-square-totally-miffed-on-full-service-re-dfa88840497c</loc><lastmod>2025-02-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2025-02-18-this-graphic-sums-up-the-entire-payment-a4f437fa2b08</loc><lastmod>2025-02-18</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/par-acquires-delaget-because-it-has-to-961ed739fc1e</loc><lastmod>2025-02-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heartland-gapes-merchant-12-4-and-legacy-payments-have-reached-humanitarian-crisis-9c7ff8295297</loc><lastmod>2025-05-13</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-tells-revel-merchants-to-open-wide-53c737a2a570</loc><lastmod>2025-05-06</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/the-strategy-behind-toasts-enterprise-wins-c0a1b9c3d227</loc><lastmod>2025-05-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/investors-have-no-idea-how-payments-work-miss-free-irr-and-well-die-on-this-hill-531a67fce90d</loc><lastmod>2025-07-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heartland-apparently-eats-its-own-tail-in-desperation-760a3c14f0a7</loc><lastmod>2025-08-19</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2025-11-18-no-not-every-software-has-the-right-to-o-04c6d3c9ec26</loc><lastmod>2025-11-18</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/https-reformingretail-com-index-php-2025-12-23-thoma-bravo-needs-to-buy-something-to-make-olo-work-d44821e537b3</loc><lastmod>2025-12-23</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-two-major-gaps-in-embedded-payments-ac74947a1a83</loc><lastmod>2025-12-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2026-02-03-ai-is-the-biggest-opportunity-since-the-f0114d1ea4c3</loc><lastmod>2026-02-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ncr-earnings-call-proves-how-dumb-restaurants-are-also-reveals-insane-channel-conflict-62ae035503fa</loc><lastmod>2020-07-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/what-is-new-toast-inc-and-why-is-it-showing-up-on-new-processing-contracts-4ef8b224dc9b</loc><lastmod>2020-07-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/google-is-slowly-becoming-king-of-online-ordering-but-what-will-it-really-cost-merchants-140542c85fb9</loc><lastmod>2020-07-07</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/reformingretails-payment-sos-vantiv-tsys-first-data-may-2020-dcf56191e3fd</loc><lastmod>2020-06-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/upserve-catches-flack-for-consumer-surcharges-but-theres-more-to-the-story-8d6ab2a36d0f</loc><lastmod>2020-06-25</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/a-teardown-of-a-stripe-contract-should-incumbent-acquirers-worry-f89e7743db8a</loc><lastmod>2020-06-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/just-eat-acquires-grubhub-the-pros-and-cons-of-the-deal-and-the-blowback-for-pos-da87f5b6a9c3</loc><lastmod>2020-06-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/global-payments-buys-springboard-retail-pos-how-long-until-they-screw-it-up-3ee744c9865e</loc><lastmod>2020-06-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/why-restaurant-third-party-delivery-is-so-much-worse-than-the-hotel-airline-ota-analogy-64e37dd8999e</loc><lastmod>2020-10-16</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/silver-lining-covid-has-clearly-accelerated-the-move-to-cloud-pos-af6b5c1cd632</loc><lastmod>2020-10-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/voice-tech-paradigm-shift-makes-its-way-to-restaurant-inventory-a461232ee674</loc><lastmod>2020-10-06</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-two-main-reasons-retail-including-restaurants-has-crap-solutions-c5f0dce5439</loc><lastmod>2020-09-29</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2020-09-22-how-high-can-or-will-processing-rates-ge-25d24218d487</loc><lastmod>2020-09-22</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/touchbistro-buys-tableup-spoton-buys-seatninja-7afd66bb32f</loc><lastmod>2020-09-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2020-09-15-shift4-should-address-these-three-questi-acf28d3ffc36</loc><lastmod>2020-09-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/high-end-new-york-city-restaurateur-explains-how-the-industry-got-so-sideways-5ea673e066dc</loc><lastmod>2020-09-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/updated-horsemen-of-hospitality-pos-b74b607e7e18</loc><lastmod>2020-12-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-many-restaurant-jobs-will-ghost-kitchens-kill-a89fcfd8cf2c</loc><lastmod>2020-12-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-sues-spoton-over-employee-hires-96800352d199</loc><lastmod>2020-12-08</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/nab-gobbles-salido-but-how-will-it-end-7d610839ab3</loc><lastmod>2020-12-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/covid-restaurant-poll-share-the-poll-and-well-share-the-results-b7191ad928ab</loc><lastmod>2020-12-01</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-phasing-out-channel-sales-but-the-channel-was-toasts-top-sales-performer-7b39690262e8</loc><lastmod>2020-11-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heartlands-pos-dealer-model-looks-to-be-failing-here-s-where-dealers-are-going-instead-6d55cd26be86</loc><lastmod>2021-02-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-investor-math-brick-and-mortar-channel-providers-must-understand-5e389e8c7d3d</loc><lastmod>2021-02-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-is-as-bad-as-3rd-party-delivery-cos-why-is-toast-refusing-to-share-customer-data-a5219753026b</loc><lastmod>2021-01-26</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/why-isnt-toast-public-yet-analysis-of-toast-s-q1-2021-management-presentation-74df1ceb88ff</loc><lastmod>2021-05-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-d30f9adf9615</loc><lastmod>2021-05-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/vyne-gives-us-a-glimpse-into-the-future-of-payments-hint-no-absurd-fees-to-move-money-c9b603f73af1</loc><lastmod>2021-05-06</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/google-pay-buy-now-pay-later-crypto-paint-beginning-of-the-end-for-payment-acquirers-ee6067c2f7b5</loc><lastmod>2021-05-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-q4-2020-earnings-offers-potential-tells-on-whats-next-raises-eyebrows-cb4271aa3210</loc><lastmod>2021-04-27</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/par-punchh-is-a-fascinating-look-into-peak-consolidation-it-wont-last-forever-ef9fad132bd9</loc><lastmod>2021-06-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/grubhub-direct-a-step-in-right-direction-underscores-that-cdp-is-a-weekend-project-45c3f8b0f1b6</loc><lastmod>2021-06-08</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/major-strategic-questions-arising-in-lightspeeds-acquisition-of-vend-pos-ad0fdc78c4ef</loc><lastmod>2021-06-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/small-businesses-are-on-the-losing-end-of-covids-tech-acceleration-9720ad5eb17d</loc><lastmod>2021-10-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/barely-a-week-after-their-ipo-toast-brainiacs-flash-glimpse-of-how-theyll-meet-quarterly-bdd14c6fe159</loc><lastmod>2021-09-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-differences-in-payfac-models-and-where-payfac-is-headed-a2192c899577</loc><lastmod>2021-09-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/activist-fund-rips-into-lightspeed-pos-lspd-heres-how-we-see-things-c0d6c161f8d4</loc><lastmod>2021-10-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/all-about-payfacs-podcast-with-infinicent-payrix-and-tilled-execs-10fc3beffd2f</loc><lastmod>2021-10-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-the-death-of-the-reseller-is-directly-related-to-payments-processing-25c54a37e508</loc><lastmod>2021-11-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/spoton-acquires-appetize-for-these-main-reasons-fbd9feaf51f7</loc><lastmod>2021-12-07</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-instrumental-presentation-ncrs-ceo-used-as-toilet-paper-25f59c6185a9</loc><lastmod>2021-11-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ncr-takes-39-months-to-execute-basic-business-model-change-board-apparently-milking-company-to-35b5c3e9fbd6</loc><lastmod>2021-12-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heartland-adds-another-fee-cuz-heartland-e7dacac3d75c</loc><lastmod>2021-12-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2022-01-18-how-much-longer-will-payment-gateways-ev-e6c82488a8cc</loc><lastmod>2022-01-18</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/touchbistro-releases-solid-data-on-current-restaurant-industry-dynamics-b6903da83b7e</loc><lastmod>2022-02-08</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heartland-plays-batman-and-saves-merchants-from-fraud-just-kidding-2a7114565cc1</loc><lastmod>2022-05-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/doordash-capital-bbot-acquistion-just-a-layover-to-full-restaurant-pos-offering-1fa38521f6c1</loc><lastmod>2022-05-24</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/why-you-should-never-ever-short-public-payments-companies-a545a5a88d45</loc><lastmod>2022-05-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/read-here-https-reformingretail-com-index-php-2022-05-31-indias-upi-offers-the-playbook-for-endin-90c4e529ee8b</loc><lastmod>2022-05-31</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/most-surchargers-arent-paying-correct-taxes-will-this-undo-surcharging-22eef51c1a00</loc><lastmod>2022-06-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/after-prolonged-silence-square-moves-upmarket-game-on-toast-cfe665fb3522</loc><lastmod>2022-06-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-full-scoop-on-olo-pay-37c73b1e1adf</loc><lastmod>2022-07-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/our-guest-appearance-on-the-spoon-podcast-misery-of-restaurant-tech-toast-payments-web3-f60e88a2e24d</loc><lastmod>2022-07-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-no-mans-land-of-retail-how-merchants-with-5-50-units-are-trapped-2d48a76fcdd4</loc><lastmod>2022-07-12</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4-acquiring-as-many-resellers-as-possible-with-teethy-non-compete-bda0a053fa91</loc><lastmod>2022-07-26</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-once-again-deserves-scrutiny-over-apparent-surcharging-tax-inaccuracies-and-debit-network-8cd302a43993</loc><lastmod>2022-08-23</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/as-brick-and-mortar-merchants-fawn-over-cdp-theyre-missing-the-big-picture-part-1-of-3-89682ea499d0</loc><lastmod>2022-10-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/cdp-is-a-feature-not-a-company-cdps-evolution-how-to-evaluate-long-term-alignment-part-3-of-9ba3f00dc8c0</loc><lastmod>2022-10-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-puts-gun-and-grenade-launcher-to-their-merchants-heads-in-latest-rate-increase-9e499c9363c3</loc><lastmod>2022-10-18</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/types-of-cdps-offline-merchants-must-choose-one-that-fits-their-business-needs-part-2-of-3-1fb0ca50c342</loc><lastmod>2022-10-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-special-guest-heartland-d4d6025a5c23</loc><lastmod>2022-12-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/after-last-toast-article-restaurant-industry-rallies-to-highlight-toasts-moral-void-begs-e76b4f8816a5</loc><lastmod>2022-12-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/cannabis-retailers-are-bankrupting-themselves-with-delivery-heres-how-to-do-it-right-a5b4b6c9e047</loc><lastmod>2023-01-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/card-linked-offers-are-a-shit-business-heres-how-to-fix-it-488bb80e57be</loc><lastmod>2023-01-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/like-online-ordering-cdp-is-now-table-stakes-infrastructure-both-should-be-much-cheaper-a6417dbf14d0</loc><lastmod>2023-01-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-card-networks-need-to-let-everyone-become-a-stripe-635534ddeaa9</loc><lastmod>2023-02-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/where-we-see-toast-winning-and-losing-in-the-restaurant-org-chart-today-ccbcc75f8b5e</loc><lastmod>2023-02-07</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-third-party-delivery-will-forever-change-merchant-marketing-in-a-good-way-part-2-e94ddc863ba6</loc><lastmod>2023-03-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-tam-for-payments-orchestration-seems-pretty-small-how-gateways-must-react-420672c8493b</loc><lastmod>2023-03-21</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/update-toast-will-make-next-four-quarters-on-low-quality-revenue-paid-by-john-q-public-158ccb2a66b2</loc><lastmod>2023-06-15</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-merchants-reporting-massive-fee-increases-likely-responsible-for-toasts-q1-asymmetric-d5c79842fddb</loc><lastmod>2023-06-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/why-toast-square-and-others-should-reconsider-moving-upmarket-661b724543c8</loc><lastmod>2023-06-06</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/if-olo-is-out-of-tam-then-this-is-their-next-best-move-528ea0f91722</loc><lastmod>2023-07-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/breaking-toast-to-remove-order-fee-by-end-of-week-but-toast-merchants-will-ultimately-pay-up-ff635d4dad95</loc><lastmod>2023-07-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/clover-to-toast-hold-my-beer-ill-show-you-how-to-make-real-money-with-convenience-fees-c054ea2e28e1</loc><lastmod>2023-07-11</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/appfolio-to-add-fees-for-echeck-payments-b51fc9330775</loc><lastmod>2023-07-25</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shift4s-anti-toast-marketing-is-so-ironic-it-s-meta-d782949b0ffb</loc><lastmod>2023-08-08</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/canada-lowers-interchange-rates-for-smb-merchants-we-bet-merchants-see-negligible-savings-57dea26f50e2</loc><lastmod>2023-08-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/once-worldpay-spins-out-of-fis-how-does-it-survive-e45169d07847</loc><lastmod>2023-08-01</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/lavu-pos-ceo-sends-mistimed-email-but-positioning-underscores-merchant-idiocy-d813daeb08b6</loc><lastmod>2023-09-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/every-worldpay-payfac-and-merchant-must-prepare-to-get-screwed-36cbf80b3fb2</loc><lastmod>2023-10-31</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-legacy-of-mike-hayford-destroyed-ncr-while-underperforming-peers-by-95-and-raking-140-46738e6c7674</loc><lastmod>2023-11-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/key-takeaways-from-tsg-rspa-integrated-payments-survey-ad607f36d09e</loc><lastmod>2023-12-12</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-shift4-likely-engaging-in-full-on-fraud-any-buyer-better-lawyer-up-9d460c395221</loc><lastmod>2023-12-19</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-pos-is-2-6x-pricier-than-legacy-pos-so-how-much-will-merchants-pay-for-pos-754f6c52aaaa</loc><lastmod>2024-01-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/mastercard-charging-arbitrary-500-fee-for-cannabis-so-dispensaries-are-banning-mastercard-f7a2ff07dd14</loc><lastmod>2024-01-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/in-retail-solution-bundling-will-define-the-next-five-years-ad017c95c01f</loc><lastmod>2024-01-23</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/marlin-seeks-to-unload-hotschedules-for-20x-ebitda-but-the-market-is-a-joke-04b28b46d8d2</loc><lastmod>2024-03-26</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/exposing-olo-part-3-sinking-40-of-olos-enterprise-value-into-a-failed-acquisition-937ad630c978</loc><lastmod>2024-05-07</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/rip-revel-let-the-feasting-being-791f17e3be16</loc><lastmod>2024-05-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/data-show-software-payfacs-are-contracting-heres-why-020398c935ea</loc><lastmod>2024-05-28</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/real-data-proves-restaurant-software-tam-is-infinitesimal-a-must-read-for-all-vendors-13bbac83d676</loc><lastmod>2024-06-04</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/with-new-arbitrary-caps-surcharge-volume-will-all-become-cash-discounting-751742d16f1d</loc><lastmod>2024-07-02</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/to-catch-a-predator-jp-morgan-chase-tsys-04686b455e1c</loc><lastmod>2024-07-10</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-surcharging-for-dummies-72121187986b</loc><lastmod>2024-08-27</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/skytab-or-die-shift4s-strategy-uses-the-wrong-conjunction-124e92ce9aed</loc><lastmod>2024-09-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/takeaways-from-toasts-investor-day-part-1-4bf43d249259</loc><lastmod>2024-10-01</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/visa-and-mastercard-we-support-child-sex-trafficking-and-terrorism-not-cannabis-27f824774947</loc><lastmod>2024-10-08</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/this-global-tactic-smells-like-accounting-fraud-1a21514e0921</loc><lastmod>2024-11-05</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/pos-companies-and-the-growing-trend-of-integration-fees-ce7fd533355b</loc><lastmod>2024-11-12</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-card-schemes-could-eliminate-non-compliant-pricing-they-just-dont-care-4b54014e8a9d</loc><lastmod>2024-12-03</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/the-truth-about-cannabis-pin-less-debit-options-0f475316def2</loc><lastmod>2024-12-31</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heartland-has-absolutely-massive-fee-increase-insiders-tell-us-why-3a617f90ef19</loc><lastmod>2025-03-18</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/ncr-oracle-micros-par-in-precarious-positions-relative-to-that-of-toast-4aaf26ec72cb</loc><lastmod>2025-04-01</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/who-actually-signs-this-terrible-unilateral-shift4-reseller-agreement-80c1c72ac878</loc><lastmod>2025-04-08</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/olo-allegedly-under-strategic-review-these-are-the-only-realistic-outcomes-1ff7027ed9e5</loc><lastmod>2025-04-29</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/heartland-must-be-actively-trying-to-lose-merchants-a-new-record-effective-rate-66010259e398</loc><lastmod>2025-07-01</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/https-reformingretail-com-index-php-2025-06-25-ncr-apparently-issues-yet-another-rate-increase-a93fde660c65</loc><lastmod>2025-06-25</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/latest-shift4-rectal-rampage-simply-nasa-retaliation-97c592863810</loc><lastmod>2025-07-08</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/another-reason-to-litigate-visa-and-mastercard-arbitrary-rules-enforcement-76f5265d741d</loc><lastmod>2025-08-12</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/why-isnt-anyone-mentioning-sumup-as-a-threat-to-square-and-clover-8db631f47990</loc><lastmod>2025-10-07</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/chargebacks-vamp-and-racketeering-for-the-duopsony-part-2-e3f12fc9f458</loc><lastmod>2025-09-30</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shopify-antitrust-suit-opens-door-for-dismantling-embedded-payments-in-vertical-software-7b0bf36c63f1</loc><lastmod>2025-10-14</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/shopify-withholding-merchant-tokens-demonstrating-final-boss-payment-bro-fbccbfbc42ea</loc><lastmod>2025-12-09</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/how-to-build-a-payments-gateway-2c3a3b00fe14</loc><lastmod>2026-01-20</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/why-adyens-business-model-will-need-to-change-81200ef86d99</loc><lastmod>2026-02-17</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
<url><loc>https://jjthaeler.medium.com/toast-issues-apparent-rate-increase-and-we-told-you-so-1ef24de4c096</loc><lastmod>2026-02-10</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
<url><loc>https://jjthaeler.medium.com/par-share-price-proves-good-execution-can-never-outrun-a-terrible-industry-1cff427c233b</loc><lastmod>2026-02-24</lastmod><changefreq>monthly</changefreq><priority>0.2</priority></url>
</urlset>
