This PM owns the products and services merchants interact with to take payments: the Virtual Terminal (the daily transaction tool for thousands of active merchants), surcharging (PayJunction’s clearest merchant-level revenue lever, constrained by state law and card-brand rules), tender types (card, ACH, BNPL via Sunbit, Apple Pay), and the login and security layer on those surfaces. Direct experience in payments, acceptance, or processing (gateway, acquirer, processor, or merchant-facing payment product) - must understand authorization, capture, settlement, interchange, and funding at a product-decision level.