# TXN360

> TXN360 is an independent research and advisory firm focused on payment acceptance hardware: the terminals, readers and point-of-sale devices merchants use to take card and digital payments. It helps enterprise retailers, payment companies, ISOs and investors understand hardware vendors' financial health, supply chains and country of origin, tariffs, regulation, security standards and post-quantum readiness across North America and Europe.

TXN360 is led by CEO Ben Love, who has 28 years of experience across the payment hardware value chain in 36 countries. That includes leadership at Castles Technology North America, Newland NPT North America, First Data and Clover East, plus senior roles at Bank of America, Visa/CyberSource, Vantiv and Ingenico. The firm is based in Alpharetta, Georgia, USA.

Contact for briefings, paper requests and advisory work: connect@txn360.com

## Services

- [What TXN360 covers](https://txn360.com/#services): vendor and counterparty intelligence; supply-chain and geopolitical exposure (country of origin, tariffs and classification, component costs); regulatory and security horizon scanning (PCI and PTS, post-quantum planning, state biometric privacy law, surcharging rules); technology and capital planning for terminal estates; hardware sourcing and RFPs; diligence and indicative valuation for acquirers and investors.
- [Ways to work with TXN360](https://txn360.com/#engage): follow the weekly State of Hardware, request a research paper, book an executive briefing, or engage TXN360 for advisory work.
- Track record: TXN360 acted as embedded advisor to Valor PayTech, running a ten-vendor hardware sourcing process that selected LANDI Global and negotiated a multi-year master supply agreement, [announced in June 2026](https://valorpaytech.com/news-and-events/valor-paytech-and-landi-global-announce-strategic-partnerships/).

## State of Hardware

- [State of Hardware](https://txn360.com/#state-of-hardware): a weekly LinkedIn briefing by Ben Love, published on Mondays, covering five things that mattered in payment acceptance hardware the previous week, with the question to ask your vendor. Topics include terminal vendors, memory (DRAM) prices, tariffs, PCI standards, surcharging and post-quantum cryptography.
- [TXN360 on LinkedIn](https://www.linkedin.com/company/txn360/): follow for each issue.

## Research

TXN360 publishes about one paper a week. Papers are shared on request by email to connect@txn360.com; some vendor work is reserved for clients.

- [Research library](https://txn360.com/#research): current papers include:
  - Ingenico: The Window to 2029 (five-paper series on Ingenico's debt crisis, the PIMCO-led recapitalization and new leadership)
  - The 2026 terminal vendor series: Verifone, PAX, LANDI, Newland, SUNMI and Castles
  - EO 14412: The Quantum Deadline Reaches Payments (post-quantum cryptography and payment terminals)
  - Chinese-connected terminals and defense retail (H.R. 8787 and NDAA language)
  - Memory, tariffs and terminal cost
  - Selling Through the ISO Channel, and The Modern Payment CPO/CTO

## Books

- [US Payment Handbook](https://uspaybook.com/): third edition (2026) by Ben Love and Holly Love. A one-hour guide to how money actually moves, following a card payment from the tap to the deposit. Available in paperback, Kindle and Audible.
- Ben Love is also the author of Approved: The Hidden Psychology of How We Pay; Oil Tanker Water Skiing: The Five Principles Behind the Acquisitions That Work; and East to West: Beyond Guanxi.

## Optional

- [Ben Love on LinkedIn](https://www.linkedin.com/in/bnlv/)
- [Home page](https://txn360.com/)