The Payments Experts Podcast
The Payments Experts Podcast is hosted by attorneys at Global Legal Law Firm who specialize in the electronic payments industry. Each episode examines payments-related topics from a legal perspective, covering issues such as merchant processing, card network rules, regulatory compliance, and risk. The show is aimed at payment processors, ISOs, merchants, and others who need to understand the legal landscape of electronic payments.
Episodes
Credit Card Processing Fees Explained: Are You Overpaying? | Merchant Pricing 101 | PEP127
**Are you paying too much for credit card processing without even realizing it?**For many merchants, payment processing is one of their most significant recurring business expenses. Yet surprisingly few understand how their processing rates are calculated, what fees they're actually paying, or whether their merchant agreements can be negotiated.In this episode of the **Payments Experts Podcas
Is Traditional Banking Becoming Obsolete? The Fintech Revolution with Guest Ariel Blum | PEP126
Is traditional banking losing its grip on the future of money?In this episode of the Payments Experts Podcast, Christopher Dryden, Managing Partner of Global Legal Law Firm, sits down with Ariel Blum, (https://www.nowreceive.com/) fintech entrepreneur and founder of Receive, to explore the rapid evolution of financial technology, digital payments, lending, and the growing influence of fintech star
Thousands of Merchants Could Be at Risk: Understanding VAMP with Rey Pasinli of Total Apps | PEP125
The payments industry is changing fast, and Visa’s VAMP program and Mastercard’s merchant monitoring approach could fundamentally reshape how e-commerce and high-risk merchants operate.In this episode of the Payments Experts Podcast, Christopher Dryden and Jeremy Stock of Global Legal Law Firm sits down with payments veteran Rey Pasinli of Total Apps (https://www.total-apps.com/) for a detailed co
Beyond Normal: Adam Spencer’s Wild Journey Through Banking & Payments | PEP124
What does it take to build, scale, and ultimately create real value in the payments industry?In this episode of the Payments Experts Podcast, Global Legal Law Firm Managing Partner James Huber sits down with payments veteran Adam Spencer (Beyond Normal) (https://beyondnormalpartnerships.com/) for a wide-ranging conversation about banking, merchant services, ISO growth, technology, entrepreneurship
Peptide Merchants: Payment Processing MATCH & Solutions | Peptides and Merchant Services | PEP123
Peptide merchants are facing an increasingly complicated payments landscape. MATCH placements, card brand violations, large assessments, processor terminations, and uncertainty over which products are actually creating problems can put an otherwise operating business in a difficult position almost overnight.In this episode of the Payments Experts Podcast, Global Legal Law Firm Managing Partner Jam
Personal Brand Is the Untapped Edge in Payments with Guest Charles Bayani The Payment HQ | PEP122
What does it take to leave the security of corporate banking, build your own payments company, and create a brand merchants actually trust?In this episode of the Payments Experts Podcast, Christopher Dryden and Jeremy Stock sit down with Charles Bayani, founder of The Payment HQ, (https://www.thepaymenthq.com/), for a conversation about entrepreneurship, merchant services, sales, personal branding
The Ugly Side of Merchant Processing: Fees Reserves & Bad Contracts | Guest Rey Pasinli | PEP121
What separates a great payments partner from one that simply sells a merchant account?In this episode of the Payments Experts Podcast, Global Legal Law Firm Managing Partner Christopher Dryden sits down with Rey Pasinli of Total Apps (https://www.total-apps.com/) for a candid conversation about merchant processing, high-risk payments, reserves, contracts, ethics, underwriting, and the practices th
The $8000 Payment Hold That Changed Everything: When Your Store Blows Up & PayPal Says Nope | PEP120
What happens when a young entrepreneur wakes up to a booming e-commerce business, only to discover that thousands of dollars are suddenly on hold?In this episode of the Payments Experts Podcast, Christopher Dryden, managing partner of Global Legal Law Firm, sits down with CEO of Zillennial Technologies, Inc., (https://zillennial.xyz/) Eric Gonzalez, to discuss a journey that began with an unexpect
Surcharging Webinar: Dual Pricing Across the 50 States | Live Recorded Event on August 8 2026 PEP119
Surcharging sounds simple. Staying compliant is anything but.In this special webinar edition of the Payments Experts Podcast, James Huber, Managing Partner of Global Legal Law Firm, and Jessica Walsh, Transactional Associate, break down the increasingly complicated world of credit card surcharging, dual pricing, and cash discounting.The discussion moves beyond the basics and into the issues mercha
Biggest Shift Happening in Merchant Services: James Shepherd Predicts the Future of Payments PEP118
The payments industry is changing faster than ever, and the winners over the next decade won't simply sell payment processing. They'll build distribution, specialize in vertical markets, embrace software, and solve real business problems.In this episode of the Payments Experts Podcast, Global Legal Law Firm Managing Partner Christopher Dryden sits down with James Shepherd, founder of CCS
MATCH List Nightmares: When Your Business & You are the Victim | Guest Allen Kopelman | PEP117
AI Identity Theft Is Destroying Merchant AccountsAI is transforming the payments industry, but it's also giving fraudsters powerful new tools. In this eye-opening episode of the Payments Experts Podcast, James Huber and Jeremy Stock sit down with Allen Kopelman, CEO and co-founder of Nationwide Payment Systems (https://nationwidepaymentsystems.com/), to discuss the explosive rise of AI-driven
Visa's Secret Shoppers Cost This Merchant $25K: How Merchants Get Hit With Compliance Fines | PEP116
Processors promise “set it and forget it,” then the ISO is on the hook when a merchant gets fined. We dig into registration, enforcement, and how to protect trust with real support.A single pricing tag can cost a merchant $5,000, and sometimes the mistake is only forty cents. Christopher Dryden and Jeremy Stock of Global Legal Law Firm bring on Mitchell Reisberg from Watchdog Merchant Services (ht
Your Business Is Probably Overpaying - Learn Why | AI-Powered Cost Audits with Bill Kurtzner PEP115
What if the fastest way to grow your business isn't increasing sales, but eliminating the hidden costs you're already paying?In this episode of the Payments Experts Podcast, hosts Christopher Dryden and Jeremy Stock sit down with Bill Kurtzner with Cost Savings (https://costsavings.com/) to explore how artificial intelligence is transforming cost management for businesses while creating
Merchant of Record: The Compliance Model Everyone In Payments Is Talking About And Why | PEP114
“Merchant of record” sounds official. The problem: card networks don’t even define it the same way. That ambiguity can get businesses shut down overnight. Want the bright line between MOR, PayFac, and PayFac Light?California can be the place where fast-growing commerce companies learn an expensive lesson: states are no longer “too busy” to chase remote sellers, platforms, and cross-border transact
The Biggest Opportunity in Payments 2026: Why Distribution May Be Your Last True Advantage | PEP113
What if the real moat isn’t your software, but your distribution? James Shepherd breaks down why vertical SaaS is exploding in payments and why agents can win if they bring the right solutions to market.AI is not your new coworker. It is a high powered math engine that rewards clear thinking, good inputs, and enough compute, and it punishes shortcuts. Christopher Dryden, Esq., sits down to talk wi
Five Things That Give The Merchant Processing Industry a Bad Name and How To Fix It | PEP112
Five things that give the merchant processing industry a bad name.A payment processing statement should never feel like a magic trick, yet too many merchants get hit with fees they never truly agreed to and increases they do not notice until the bank account hurts. Christopher Dryden and Jeremy Stock of Global Legal Law Firm bring on Mitchell Reisberg from Watchdog Merchant Services (https://watch
The AI Platform Helping Businesses Cut Costs Everywhere: Cost Savings | Bill Kurtzner PEP111
What if your invoices could tell you exactly where you’re overpaying? We talk agentic AI that audits spend, finds hard savings, and even unlocks wholesale pricing for SMBs. If you’ve ever looked at an invoice and wondered, “Am I paying a fair price, or am I just too busy to fight it?” you’ll feel this conversation in your bones. Christopher Dryden of Global Legal Law Firm sits down with Bill Kurtz
Merchant of Record vs PayFac: MOR Explained: What Everyone Gets Wrong - Know The Difference | PEP110
“Merchant of record” gets thrown around nonstop, but it changes who owns the customer, the descriptor, and the liability. We break down what it really means and what it is not.“Merchant of record” sounds like a neat shortcut in payments until you realize it can change who owns the customer experience, who appears on the billing descriptor, and who gets stuck holding the bag when disputes, taxes, o
Why Merchants Get MATCH’d After Fraud They Didn’t Cause: Inside the BRAM Fine System | PEP109
Negotiation changes when you have leverage. Our playbook: lock out debits, demand the underlying basis, and force real answers, sometimes by filing a complaint.A six figure “brand fine” lands out of nowhere, nobody will show you the underlying letter, and the funds can get pulled before you even have a chance to respond. That is the reality we see for merchants caught in the gap between card netwo
The Secret to Merchant Stickiness? Rewards Instead of Rate Cuts with Guest Tuzo Rewards | PEP108
Payment processing often feels like a tax and when every ISO sells the same terminals, the same funding speed, and the same basic promises, the only lever left is price. That is how the industry ends up in a race to the bottom, with merchants switching for a few basis points because they have no real reason to stay. Christopher Dryden, Esq., talks with Tuzo Rewards, Global Legal friends Jeff &
Why Processors Freeze Accounts (And How to Avoid It) | How Merchants Survive & Even Thrive | PEP107
Stripe approved the merchant… then froze funds and refunded customers anyway. How do you protect your business when the processor owns the relationship?One day your payments are flowing. The next day a platform decides it “doesn’t support your product,” freezes your balance, and refunds your customers while you’re left holding the shipping bill. That risk is closer than most merchants think, espec
Dual Pricing Done Right: 2026 Practical Guide To Cash Discount And Surcharging Compliance | PEP106
Surcharging caps. Debit card limits. Fines that flow through banks. If you’ve ever wondered who really profits from card payments, this conversation will change how you see Checkout is turning into a trust test. Customers hate surprise fees, merchants hate absorbing card costs, and the rules around surcharging, cash discount, and dual pricing keep getting more confusing. We sit down with Clark Kri
AI Hallucinates a Refund Policy (It Didn't Exist) & The Business Paid: Rogue AI in Payments | PEP105
Software that negotiates prices and completes payments for you sounds convenient until it hallucinates a refund policy.Software that can shop, negotiate, and pay for you is no longer science fiction, and it is already colliding with the realities of payments risk. We sit down with Dale Laszig from the Green Sheet (https://www.greensheet.com/) to break down agentic commerce in plain English and exp
PayFac vs Merchant of Record: The Risk No One Explains | Guest Deana Rich of Infinicept | PEP104
“Merchant of record” sounds easy, until you realize it isn’t a defined term. We break down PayFac vs MOR, why rules exist, and how people accidentally step into money transmitter risk.PayFac is one of those payments terms people toss around until they’re the one holding the liability. We sit down with Deana Rich of Infinicept (https://www.infinicept.com/) to map the real payment facilitator story,
How Dual Pricing and Surcharging Changed ISOs Forever: Payments Now Residuals Risk & Growth | PEP103
A single receipt can change how you see the payments industry. When Naveed from KV Payments notices a 4% card charge at a mechanic shop, it triggers the question every small business owner eventually asks: where is all that processing margin going, and how do you price merchant services fairly without stepping into a compliance mess?We walk through Naveed’s unconventional path into payment process
Two Giants Control Payments: The New Truth About Debit Routing and Hidden Processor Fees | PEP102
Outrage alert: a government ambulance merchant was charged 9.49% in fees. We unpack how hidden debit routing and “pass-throughs” spike your effective rate and what ISOs and merchants can do next.Ever wonder why your “great” rate still turns into a painful effective rate on the statement? We dig into the machinery behind card acceptance and show how debit routing, pass-through fees, and quiet portf
2026 Reality Check: The Truth About “Junk Fees” in Payments & CBD Peptides MATCH News | PEP101
Ever had a $100 ticket morph into $260 at checkout and wondered who’s skimming the difference? We use that universal frustration to open a candid tour through payments in 2026—where junk fees, policy experiments, and AI-driven fraud collide with the daily realities of underwriting and merchant risk. Joining Global Legal Law Firm’s managing partner, James Huber, is Allen Kopelman of Nationwide Paym
The Illinois Swipe Fee Shockwave: Who Really Pays? | Illinois Bans Interchange on Sales Tax | PEP100
Card fees on sales tax? Illinois just lit a fuse. We unpack who really pays, how ISOs get squeezed, and why “compliance” might mean three prices at checkout. When lawmakers target “junk fees,” the payments engine doesn’t stop—it reroutes. We dive into Illinois’ push to exclude sales tax from the interchange base and trace how that single change ripples through card networks, processors, ISOs, ISVs
Honor All Cards Explained: Visa & Mastercard Settlement Breakdown for Payment Professionals | PEP099
Merchants are told they have “choices.” But do they? We unpack the Visa–Mastercard settlement, the honor all cards rule, and why surcharging still trips up pros. Listen now and tell us: does this help small businesses or not?What happens when the rules that govern card acceptance start shifting under your feet? In this episode, we break down one of the most misunderstood and potentially far-reachi
Tokenized Deposits vs Stablecoins: The Real Payments War | Stablecoins Become Payment Rails | PEP098
Stablecoins aren’t a side conversation anymore — they’re knocking on the front door of the payments ecosystem.In this episode of the Payments Experts Podcast, we sit down with Adam T. Hark, managing member of Wellesley Hills Financial (https://www.wellesleyhillsfinancial.com/), for a wide-ranging, candid discussion on how stablecoins, tokenized deposits, and wallet-based payments could fundamental
Residuals Rate Hikes & Reality: Inside ISO Economics | Payments Due Diligence Hack That Saves Money
Ever wondered why that “free” POS hardware ends up costing so much later? Christopher Dryden, Esq., sits down with Magnolia Ventures’ Jessica Casto to pull back the curtain on modern payments strategy: how software-led distribution reshaped acquiring, why processor-agnostic design protects leverage, and where the fine print quietly shifts risk to the least prepared party. We move from the realitie
Data Is King: Building Real AI Guardrails in Payments: The AI Readiness Checklist For 2026 | PEP096
AI is no longer a chatbot. It is an agent that can move data and make decisions. In this in-studio conversation, Leo Arzumanyan, Matthew Luciani, and Jeremy Stock cut through the hype and get practical about using AI in payments. We start where risk lives: privacy, closed versus open loops, and how to keep sensitive underwriting logic and merchant data inside your walls. Then we map the real use c
Peptides, MATCH, and VAMP: Surviving the Crackdown & High-Risk in 2026 with Soar Payments | PEP095
Banks don’t close accounts for sport; they close accounts when risk stories don’t add up. James Huber, managing partner of Global Legal Law Firm, sits down with Adam Carlson from SOAR Payments (https://na2.hubs.ly/H033tL00) to unpack what “high risk” really means in 2026, why peptides became the latest MATCH magnet, and how card‑brand programs like VAMP are changing sponsor bank behavior. If you’v
How AI Compliance Controls & A Unified Portal Cut Lending Time In Half with DealHub 360 | PEP094
Visit our guests DealHub 360 here: https://na2.hubs.ly/H030plB0Tired of chasing documents and updates across spreadsheets, inboxes, and shared drives? We bring together the creators of DealHub 360, Deepika Shahani and Paul Manley, to show how a centralized loan origination portal helps ISOs, lenders, and equipment vendors move faster, stay compliant, and reduce risk without adding headcount. Paul
Real-Time Rules That Keep Merchants Live: VAMP Portfolio Risk And Transparency | Qredible | PEP093
Payments leaders love to say risk is everywhere, but most teams still chase it with spreadsheets, screenshots, and crossed fingers. Our conversation with Noah Fitzgerald of Qredible (visit Qredible: https://na2.hubs.ly/H02-3Md0) cuts through the haze. Our guest traces a path from pre-internet POS software to big-processor leadership and into startups that zero in on the same unsolved pain: complia
The CPayO Mindset: The Eight-Step Payments Framework Every Payments Professional Needs | PEP092
The CPayO Mindset: Turning Payments From Cost Center Into Competitive Edge.Three percent can quietly devour fifteen percent of your profit. In this episode, we strip payments down to the levers that actually move margin: rails, contracts, tokens, data rights, and operational control. With Viktoria Soltesz of the Soltesz Institute (https://na2.hubs.ly/H02Y1Cv0), author of The CPayO: Chief Payment O
Building An ISO in 2026: The Hard Truth from the Field With Guest Frank Pagano of VizyPay | PEP091
The conversation opens on a blunt question: can a solo agent or a small team still build something meaningful in payments, or is the market a race to zero? Frank Pagano of VizyPay (https://www.vizypay.com/) doesn’t flinch. He argues it’s still doable, but only if you control the customer journey and make hard, long-term decisions that trade fast cash for durable value. His path into payments began
The CPayO: Chief Payment Officer - The Role Which Doesn't Exist (but should!) | Book Talk | PEP090
The CPayO: Making Payments a First-Class Function (with Viktoria Soltesz)Payments isn’t a line item. It’s the circulatory system of your business. In this episode, we sit down with Viktoria Soltesz (https://www.solteszinstitute.com/), author of The CPayO: Chief Payment Officer — the role that doesn’t exist (but should), to map why every serious merchant, ISO, PayFac, or ISV needs an executive who
Contracts That Make You Bankable: Portability, Tokens, Termination | Adam T. Hark WHF | PEP089
Banking Meets Payments: Capital, AI Reality Checks, and the Tokenized-Deposit ShakeupHosted by Leo Arzumanyan and Jeremy Stock. Special guest: Adam T. Hark, Managing Member, Wellesley Hills Financial (https://www.wellesleyhillsfinancial.com/).Payments isn’t just rails and rates anymore; it’s capital, contracts, and data that decide who scales and who stalls. In this candid, operator-level conversa
Stopping Deepfake Fraud: Identity at the Exact Moment Money Moves | How Payments Fight Back | PEP088
Stopping Deepfake Fraud: Identity at the Exact Moment Money MovesA familiar voice on Zoom. A “known” face on video. A routine request that moves millions. Today’s most dangerous attacks look like business as usual—until the funds are gone. With guest Peter Segerstrom (Traceless) and host Christopher Dryden, Esq., The Payments Experts Podcast tears into how AI has supercharged social engineering—an
Compliance-as-a-Feature: How ISOs Keep MIDs (and Sleep) | Website Compliance That Sticks | PEP086
ADA, Chatbots, and Compliance-as-a-Feature: Turning Lawsuit Traps into Portfolio Stickiness (with Michael Williams, Clym (https://www.clym.io/)Cash is disappearing, card rails rule, and “set it and forget it” legal copy is now a liability. In this fast, no-B.S. episode, James Huber and Jeremy Stock sit down with Michael Williams, co-founder of Clym, to unpack the lawsuit vectors quietly hitting me
Lending Against Residuals: How ISOs Really Scale with Super G Capital | Darrin Ginsberg | PEP085
The payments world didn’t just change—it rewired who holds the power. Christopher Dryden, Founding and Managing Partner of Global Legal Law Firm, sits down with Darrin Ginsberg of Super G Capital (https://www.supergcapital.com/) to chart the path from door-to-door ISO sales to e commerce gateways and the rise of embedded payments. Darrin shares how he built one of CSI’s largest offices, why e comm
VAMP Caps & Chargebacks: The New Rules to Survive in 2026 | Guest Maurice Griefer of MyCPO | PEP084
The payments game has changed, and winging it is no longer an option. James Huber and Jeremy Stock sit down with Maurice Griefer of MyCPO (https://www.getmycpo.com/) to unpack what it takes to scale a high-risk ecommerce brand without getting crushed by chargebacks, caps, and the new Visa VAMP rules. From the wild energy of early ISO call centers to today’s distributed agent networks, the throughl
Merchants Versus The MATCH List: Why The Threat Of A Lawsuit May Now Be Your Best Approach | PEP083
Imagine being barred from accepting cards overnight—and no one will tell you why. That’s the reality for many merchants placed on MasterCard’s MATCH list, a risk registry that can sink a business while support teams stay silent. We brought managing partner James Huber and senior associate Bryce Vandemore into the studio to unpack what really moves the needle: skipping the endless email chains and
M&A Tech Diligence for Payments: The “Technical Carfax” You Need | Meet Traceless.com | PEP082
Social Engineering Beats Your Stack: Fix Identity or Get BreachedA single phone call to a help desk shouldn’t sink a global brand—yet it happens. We dig into how social engineering bypasses expensive tools, why identity verification matters at the exact human moments work gets done, and how to measure cyber risk before it becomes tomorrow’s headline. With Peter Segerstrom of Traceless (https://tra
Hemp Ban Shockwave: Why A Quiet Hemp Rule Could Upend Electronic Payments Overnight | PEP081
Hemp Ban Fallout: How Policy Whiplash Hits Payments, Portfolios, and Merchants. Hosted by Global Legal Law Firm Managing Partner James Huber and Senior Associate Attorney Bryce Van De MoereA sudden hemp or cannabinoid ban doesn’t just change SKUs—it detonates risk models, freezes reserves, and scrambles underwriting across entire portfolios. In this episode, we unpack how shifting federal–state r
Debit Is Not Credit (But Is It Cash?) | The Compliance Rule ISOs & Merchants Keep Missing | PEP080
From Surcharging To Dual Pricing: How Small Businesses Stay Compliant And Keep CustomersHidden fees at checkout aren’t just frustrating—they’re risky. We dive straight into the real-world mechanics of pricing programs that merchants use to offset card costs and explain why the lines between surcharging, cash discounting, and dual pricing aren’t as blurry as they seem. The rule of thumb is simple:
Dual Pricing v Cash Discount: Surcharging Mistakes That Trigger Fines | with Supersonic POS | PEP079
Cash Discount ≠ Compliance: Dual Pricing, Debit, and the MATCH Hangover (with Mahdi Hussein, Supersonic POS) (https://supersonicpos.com/)Ever been told “it’s just a cash discount” only to have a secret shopper’s photos tell a different story? This episode strips the buzzwords down to the brass tacks payments professionals actually live with: the legal and operational differences between dual prici
Taming Chargebacks With Real AI Agentics | Special Industry Insider ChargeFlow & Ben Herut | PEP078
Taming Chargebacks With Real AI AgenticsToo many merchants breathe easy under legacy chargeback ratios, only to be blindsided when their PSP tightens the screws. We sit down with Ben Herut, co-founder at ChargeFlow, (https://www.chargeflow.io/) to unpack the shift toward post-payment risk and why Visa’s VAMP is forcing acquirers and processors to act earlier—and harder—on portfolio-level exposure.
Why Your “Cash Discount” Program Might Be Illegal | Surcharging Dual Pricing and Debit | PEP077
Surcharging, Dual Pricing, and Debit: The Compliance Traps No One Warns You AboutHidden fees, stacked fines, and a maze of rules—merchant pricing isn’t just a line on a receipt, it’s a legal and operational minefield. We dive into the real differences between dual pricing and cash discounting, why debit transactions should not be treated like credit, and how a simple surcharge can trigger state la
Candor Over Clever: The Sales Edge Most In Payments Ignore | Field Guide for ISOs & Agents | PEP076
Candor Over Clever: How Honesty, Software, and Solid Contracts Build Real Payments BusinessesIn a market where scripts and “solutions” blur together, candor is the unfair advantage. This episode features JJ Sedor of Paymint Solutions (https://www.paymintinc.com/)—a former construction-business owner turned ISO CEO—who wins by telling the truth, learning faster than rivals, and leading with softwar
Surcharging Fines Without Findings: Dual-Pricing Compliance Playbook: Signs, Receipts, You | PEP075
Fines Without Findings: Surcharging Rules, Real Penalties, and How to Stay Out of the CrosshairsJoin Christopher Dryden, Leo Arzumanyan, and Jeremy Stock of Global Legal Law Firm (https://www.globallegallawfirm.com/podcasts/) as they discuss how merchants are getting hit with four- and five-figure “surcharging violations”—and no one will say what actually went wrong. In this episode, our hosts pul
AI Agents at Checkout: Are You Ready for Bot-Driven Commerce | Agentic Payment Transactions | PEP074
AI Agents at Checkout: Automation, Authenticity, and the Next Wave of PaymentsWhat happens when AI agents start shopping and paying on our behalf—while merchants still have to trust the identity behind every transaction? In this special deep dive with Kevin Woodward of Digital Transactions (https://www.digitaltransactions.net/), hosted by Christopher Dryden, Esq., and Jeremy Stock, we unpack the f
Change Drives Payments & Your Choices Decide Survival | Smart Growth Safer Deals | Special Ep PEP073
This special episode flips the script.Instead of hosting, James Huber, Esq.—Managing Partner of Global Legal Law Firm (https://www.globallegallawfirm.com/podcasts/) and co-host of The Payments Experts Podcast—steps into the hot seat as the guest, interviewed by Rob Hoblit, Chief Revenue Officer at NMI (https://www.nmi.com/), during one of their internal Fireside Chats, now shared publicly for the
Inside Payments Since 2003: Digital Transactions Sr Editor Kevin Woodward Discusses Industry Now | PEP072
Risk keeps moving even when the rules look settled. We sat down with Kevin Woodward, senior editor at Digital Transactions (https://www.digitaltransactions.net/), to trace where the real pressure is building in payments: Visa’s VAMP and its oversight shift, tokenization that works until it doesn’t, and AI that can help teams underwrite faster without surrendering judgment. The conversation starts
The VAMP Era: Why Your Merchant Portfolio May Be Riskier Than You Think | Sound Commerce | PEP071
The VAMP Era Is Here: What Payments Pros Must Know Before It’s Too LateThink MATCH was hard to navigate? VAMP just rewrote the risk rulebook.In this high-impact episode, Christopher Dryden, Esq., and COO, Jeremy Stock, sit down with Matt Steinbrecher of Sound Commerce (https://sound-commerce.com/) to unpack the hidden compliance traps now emerging in merchant processing. Whether you’re an ISO onbo
VAMP is Here: The Risk Game Just Changed: Are You Ready for Visa's New Rules? | PEP070
Q4 is Here. VAMP Is Live. The Risk Game Just Changed.Welcome to the new frontier of merchant risk management. With Visa’s Acquirer Monitoring Program (VAMP) now officially live, the underwriting, compliance, and dispute mitigation landscape is shifting fast—and merchants, ISOs, and Payfacs who aren’t already adapting may find themselves in hot water come November.In this episode of the Payments Ex
Why Smart ISOs Don’t Get Locked In | Build Optionality Into Your Payments Stack with NMI | PEP069
NMI’s message is clear: you don’t need to lock into a single processor or bank to scale. With modular tools and real-time control over key systems, ISOs, PayFacs, and software platforms can adapt faster, negotiate stronger, and retain full ownership of their merchant relationships.Whether you're building a payments stack from scratch or optimizing your current setup, this conversation offers
Why “Set It and Forget It” Is Costing You in Merchant Processing | Guest Rob Hoblit of NMI | PEP068
The rules of payments are changing—often mid-transaction. Are you ready?In this episode number 68 of The Payments Experts Podcast, we break down the silent killers of merchant profitability: compliance gaps, outdated integrations, and poorly configured gateway flows. Managing partner of Global Legal Law Firm, James Huber, is joined by NMI (https://www.nmi.com/) Chief Revenue Officer, Rob Hoblit, t
Merchant Processing Gone Wrong: The Legal Risks ISOs Ignore | High-Risk Processing Pitfalls | PEP067
Behind the Shutdown: What Every Payments Professional Should Know About Merchant Terminations, Fraud, and SustainabilityWhy do some high-risk merchants process for years while others get shut down overnight—often without warning or explanation? And why are so many payment professionals blindsided when portfolios collapse or lawsuits emerge from deals that looked solid on paper?In this episode of T
The Future of Payments Is Stablecoins: Why Merchants and Banks Are Embracing Stability | PEP066
Stablecoins & the $27 Trillion Shift: How Digital Dollars Are Reshaping the Payments IndustryThe payments industry is undergoing a seismic transformation—and this time, it’s being led by stablecoins. Once dismissed as fringe crypto experiments, these digitally native assets backed by fiat currencies are now powering over $27 trillion in payment volume annually. And major players—from JP Morgan
High-Risk Processing in 2025: Legal Landmines Every Merchant Agent & ISO Should Understand | PEP065
The High-Risk Processing Trap: How Merchants Are Getting ExploitedIn the fast-moving world of high-risk payment processing, what looks like a lifeline can quickly turn into a liability. For merchants operating in regulated or fringe industries—think peptides, nootropics, coaching, supplements, adult, or subscription models—finding a processor willing to approve them often feels like a win. But beh
When The Processor Becomes the Predator: A Legal Wake-Up Call for ISOs Agents and Merchants | PEP064
Exposing the Dark Side of Payments: When Processors Turn PredatoryBehind the polished pitch decks and ISO agreements lies a side of the payments industry few merchants or agents ever see—until it’s too late. In this brutally honest episode of The Payments Experts Podcast, Global Legal Law Firm partners Christopher Dryden and James Huber pull back the curtain on predatory practices, weaponized cont
Super ISOs Are Taking Over Payments—Is the Old Model Dead? | New Payments Power Structure | PEP063
Super ISOs Are Reshaping the Payments Industry—Are You Keeping Up?The payment processing landscape has undergone a dramatic transformation. What was once a top-down ecosystem dominated by acquiring banks and processors is now increasingly driven by a new force: Super ISOs. These fast-moving, well-capitalized organizations are effectively operating as mini-processors, and they’re rewriting the rule
Stuck on the MATCH List? How to Save Your Business Before It’s Too Late | Removal Is Key! | PEP062
Stuck on the MATCH List? What Every Payments Professional Must Know to Protect Merchants and PortfoliosIn the merchant services and payments world, few issues are more business-threatening than being placed on Visa and Mastercard’s MATCH list. For merchants, it can mean account terminations, frozen processing, and reputational damage. For ISOs, agents, and payment facilitators, it can trigger port
Non-Competes Non-Solicits & Merchant Payments: What’s Really Enforceable | Contracts Matter | PEP061
Non-Competes, Non-Solicits, and Your Bottom Line: What Every Payments Professional Must KnowThe fine print in your payment processing agreements could be quietly limiting your earning potential, career mobility, and business growth—and you might not even realize it. When was the last time you scrutinized the restrictive covenant language buried inside your ISO, agent, or partnership agreements?In
AI in Payments: Game-Changer or Legal Nightmare? | The Truth About AI in Merchant Services | PEP060
AI in Payments: Innovation, Illusions, and Legal RiskArtificial intelligence is transforming the financial world—and the payments industry is no exception. In this episode of The Payments Experts Podcast, produced by Global Legal Law Firm, we examine both the breakthrough opportunities and critical blind spots AI presents for payment professionals.The Hidden Risks of AI-Drafted ContractsThe discus
Top 3 Most Important Clauses and Terms For Your ISO Agent Agreement | Contracts Matter! | PEP059
What’s Really in Your Agent Agreement? Legal Pitfalls Every Payments Professional Should KnowIn the world of merchant services and electronic payments, contract pitfalls aren’t just inconvenient—they can be career-altering. Agreements that look standard at first glance often include fine print that chips away at residuals, restricts future business opportunities, or limits your rights to dispute u
Surcharging Situationships: The Dual Pricing Dilemma Merchants Can't Seem to Solve | PEP058
Dual Pricing Is Exploding—But Most Merchants Are Getting It WrongIf you've noticed more businesses offering different prices for cash versus credit, you're not imagining things. Dual pricing is gaining serious traction among merchants looking to offset rising card processing costs. But behind the growing popularity lies a compliance maze that too many business owners are navigating blind
Secret Revenue Imperative: Cybersecurity for Payment Processing | AJ Global Cybersecurity | PEP057
Why Cybersecurity Is Now a Revenue Imperative for Payment Processors—and a Lifeline for MerchantsCybersecurity is no longer just an IT issue—it's now a frontline concern for revenue protection, portfolio stability, and merchant survival. In this episode, industry veteran Jon Aronson, who’s been shaping payments since 1994, speaks with Christ Dryden and Jeremy Stock as he breaks down how AJ Gl
The VAMP Revolution: How Visa's New Rules Affect E-commerce | Sound Commerce Joins Us! | PEP056
Big Changes Ahead: What Visa’s New VAMP Program Means for Merchants.The payments world is bracing for a major shakeup—and many merchants might not be ready for what’s coming. In this eye-opening episode, Matthew Steinbrecher of Sound Commerce (https://sound-commerce.com/) joins us to unpack Visa’s new Visa Acquirer Monitoring Program (VAMP), set to roll out on October 1st, and why it could impact
Your Biggest Opportunity In Payments: Verticals | Caleb Avery of Tilled PayFac-as-a-Service | PEP055
Caleb Avery's journey from selling payment terminals door-to-door as a college student to founding Tilled (https://www.tilled.com/), a revolutionary PayFac-as-a-Service platform, demonstrates the rapid evolution happening in the payments industry. In this fascinating conversation, Caleb shares James Huber of Global Legal Law Firm how his early experiences revealed small business owners'
The Honest Broker: Why Transparency in Payments Actually Pays Off with Aacadia Payments | PEP054
Riley Bangerter, founder of Aacadia Payments (https://aacadiapayments.net/), takes us on a fascinating journey through the evolving payment processing landscape, sharing his unique path from stockbroker to payment expert following the 2008 financial crisis. • Entered the payments industry seeking residual income after the 2008 financial crisis collapsed his mortgage business • Founded Aacadia Pay
Payment Protectionism and the Payments Police Threaten Commerce | Special Guest Eric Grover | PEP053
Who really controls the flow of money in payment systems? The answer might surprise you. In this eye-opening conversation with payments industry veteran Eric Grover of Intrepid Ventures (https://intrepidventures.net/), we uncover the fundamental power dynamics that determine how interchange fees move through the ecosystem.Eric and Christopher Dryden, Esq., discuss how payment system economics fund
Prepare Your Business or Book for Sale | The Art of Selling Your Payments Portfolio or Biz | PEP052
Anthony Malatesta, Principal at Wellesley Hills Financial (https://www.wellesleyhillsfinancial.com/) joins Global Legal Law Firm’s Christopher Dryden and Jeremy Stock to share crucial insights about positioning payment businesses for optimal valuation and successful exits.What's the real difference between a merely profitable payments business and one that commands premium multiples at exit?
Cash Card or ChatGPT Receipt Hack? Behind the Scenes of Payment Processing w Allen Kopelman | PEP051
Two payments industry veteran experts talk about electronic payments in a way you have never heard before. Join Christopher Dryden, Esq., and special guest Allen Kopelman, Nationwide Payment Systems, Inc., for this in-depth, fascinating discussion. Check out Allen’s new NPS One platform coming soon, offering merchants a comprehensive business tool with rapid approval, virtual terminal capabilitie
ATMs to AI: The Complex Landscape of Real-Time Payments and Reg Changes with Patti Murphy | PEP050
From ATMs so novel they didn't even have a name to AI-powered payment systems that can take your order perfectly—the payments landscape has transformed dramatically since the 1970s. Joining Chris Dryden on the Payments Experts Podcast today is Patti Murphy, the "Payments Maven of the Fourth Estate," whose four-decade journey covering payment technology offers a unique perspective on
Dual Pricing Revolution: How Tech is Changing the Game | Conversation With Paul Hadfield | PEP049
Paul Hadfield shares his journey from college dropout to successful payment processor, emphasizing the importance of building sticky merchant relationships through technology and customer service rather than treating them as short-term revenue sources. Enjoy this conversation with James Huber, managing partner of Global Legal Law Firm. • Started in payments in 2001 after answering a newspaper ad
Selling Dreams, Not Terminals: Tuzo Rewards Surprising Revolution in Payment Processing | PEP048
Jeff and Hersh Moskowitz share how their payment processing journey led to the creation of Tuzo (https://www.tuzorewards.com/), a revolutionary rewards program that helps ISOs build stronger merchant relationships and increase portfolio value. • Started in point-of-sale systems in 2009, primarily serving convenience, liquor, and tobacco stores • Pioneered dual pricing/cash discount methodology a
Countering Friendly Fraud: Legal Remedies for Chargeback Fraud | Disputed Transactions | PEP047
If you’re a merchant and you want help with chargebacks, this episode is for you! Friendly fraud is anything but friendly for merchants. In this eye-opening discussion, expert payments attorneys Larry Haines and Bryce Van De Moere expose the growing epidemic of customers who receive goods or services, then fraudulently dispute legitimate charges with their credit card companies. It’s chargebacks
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