The Georgia fintech started with card processing, paid roughly $37 million for Plastiq after its Chapter 11 filing, and stitched merchant services, payables and treasury into one engine. The bet is simple: the company that sees the whole cash cycle gets more ways to earn.

The Everyware founder spent two decades turning awkward business processes into software. His wager now is simple: the most useful payment terminal may be the phone already in your hand.