In this episode of the Instant Payments Podcast, host Tal Clark, CEO of Instant Financial, continues the discussion with Stephanie Callihan, CFO of Cotton Patch Cafe, about the transformative impact of instant digital payments in the restaurant industry. Stephanie shares insights on how Cotton Patch's adoption of Instant Pay for both tips and wages has significantly boosted employee satisfaction, reduced turnover, and streamlined payroll processes. They explore the benefits of providing daily access to earnings and discuss how this system supports career advancement within the company. Additionally, Stephanie reveals her personal passion for equestrian sports and forecasts technology trends that could shape the future of restaurant operations. The episode concludes with a look at 2026 growth for Cotton Patch Cafe.

00:00 Introduction and Guest Welcome

00:26 Digital Tips and Employee Satisfaction

02:22 Transition to Instant Pay

07:07 Regulatory Landscape and Earned Wage Access

11:44 Future of Restaurant Technology

14:38 Stephanie's Equestrian Passion

17:42 Rapid Fire Questions

20:07 Conclusion and Farewell

Instant Financial: instant.co

Cotton Patch Cafe: https://cottonpatch.com/

Connect with Tal Clark: https://www.linkedin.com/in/tal-clark-a60776b/

Connect with Stephanie Callihan: https://www.linkedin.com/in/stephaniecallihan/