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The Payments Experts Podcast
Expert Payments Attorneys of Global Legal Law Firm
80 episodes
22 hours ago
From Surcharging To Dual Pricing: How Small Businesses Stay Compliant And Keep Customers Hidden 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: debit changes everything. We break down how debit restrictions affect convenience retail, why st...
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Business
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All content for The Payments Experts Podcast is the property of Expert Payments Attorneys of Global Legal Law Firm and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
From Surcharging To Dual Pricing: How Small Businesses Stay Compliant And Keep Customers Hidden 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: debit changes everything. We break down how debit restrictions affect convenience retail, why st...
Show more...
Business
Episodes (20/80)
The Payments Experts Podcast
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 Customers Hidden 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: debit changes everything. We break down how debit restrictions affect convenience retail, why st...
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23 hours ago
24 minutes

The Payments Experts Podcast
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 pricing, cash discounting, and surcharging—and why debit sits in its own lane under Durbin whether y...
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6 days ago
23 minutes

The Payments Experts Podcast
Taming Chargebacks With Real AI Agentics | Special Industry Insider ChargeFlow & Ben Herut | PEP078
Taming Chargebacks With Real AI Agentics Too 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. If you rely on card rails for growth, this conversation shows how to protect revenue without c...
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1 week ago
15 minutes

The Payments Experts Podcast
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 About Hidden 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 law violations, card brand penalties, and even deceptive practices claims. Along the way, we shar...
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1 week ago
22 minutes

The Payments Experts Podcast
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 Businesses In 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 software that actually fixes merchant problems. Join Christopher Dryden, and Jeremy Stock hosting JJ t...
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2 weeks ago
22 minutes

The Payments Experts Podcast
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 Crosshairs Join 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 pull back the curtain on the rulebook, the enforcement machine, and the practical fixes that keep ...
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2 weeks ago
20 minutes

The Payments Experts Podcast
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 Payments What 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 fast-arriving tension between automation and authenticity: from AI-written copy and agentic comm...
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3 weeks ago
32 minutes

The Payments Experts Podcast
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 first time. 🔍 The conversation is candid, tactical, and tailored for operators in the payments...
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3 weeks ago
23 minutes

The Payments Experts Podcast
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 with a hard truth—most portfolio fires begin with poor or selective underwriting—and follows that...
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3 weeks ago
34 minutes

The Payments Experts Podcast
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 Late Think 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 onboarding merchants, a payfac dealing with CNP risk, or an investor evaluating portfolios—this ep...
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1 month ago
20 minutes

The Payments Experts Podcast
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 Experts Podcast, Matthew Steinbrecher from Sound Commerce (https://sound-commerce.com/) returns...
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1 month ago
25 minutes

The Payments Experts Podcast
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 concrete strategies for preserving optionality, tightening operations, and future-proofing your tech...
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1 month ago
16 minutes

The Payments Experts Podcast
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, to discuss how payments professionals can future-proof their merchant portfolios in an ever-evol...
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1 month ago
16 minutes

The Payments Experts Podcast
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 Sustainability Why 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 The Payments Experts Podcast, Global Legal Law Firm Managing Partners Christopher Dryden and Jam...
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1 month ago
14 minutes

The Payments Experts Podcast
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 Industry The 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 to Stripe and PayPal—are taking notice. In this episode of The Payments Experts Podcast, Global...
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1 month ago
14 minutes

The Payments Experts Podcast
High-Risk Processing in 2025: Legal Landmines Every Merchant Agent & ISO Should Understand | PEP065
The High-Risk Processing Trap: How Merchants Are Getting Exploited In 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 behind that approval, a darker reality is unfolding: frozen funds, surprise fees, and reserve manip...
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1 month ago
14 minutes

The Payments Experts Podcast
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 Predatory Behind 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 contracts, and the shocking truth about how processors, not fraudsters, are often the ones doing the...
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2 months ago
14 minutes

The Payments Experts Podcast
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 rules of how merchant services are delivered and scaled. In this episode of The Payments Experts Pod...
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2 months ago
10 minutes

The Payments Experts Podcast
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 Portfolios In 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 portfolio instability, residual loss, and merchant attrition—often without warning. In this episode ...
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2 months ago
27 minutes

The Payments Experts Podcast
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 Know The 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 this episode of The Payments Experts Podcast, produced by Global Legal Law Firm (https://www.gl...
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2 months ago
9 minutes

The Payments Experts Podcast
From Surcharging To Dual Pricing: How Small Businesses Stay Compliant And Keep Customers Hidden 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: debit changes everything. We break down how debit restrictions affect convenience retail, why st...