The Payments Experts Podcast

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 c...

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 r...

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 p...

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?...

AI in Payments: Innovation, Illusions, and Legal Risk Artificial 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 Contracts The dis...

What’s Really in Your Agent Agreement? Legal Pitfalls Every Payments Professional Should Know In 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...

Dual Pricing Is Exploding—But Most Merchants Are Getting It Wrong If 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 blin...

Why Cybersecurity Is Now a Revenue Imperative for Payment Processors—and a Lifeline for Merchants Cybersecurity 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...

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...

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'...

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...

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 fun...

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?...

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 capabiliti...

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...

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...

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 methodolog...

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...

Credit card processors and banks are putting merchants on the Match List without proper investigation or due process, even when merchants comply with removal requests for prohibited products. • Merchants being placed on Match List for having inventory of prohibited products, even with no sales • Banks failing to provide evidence of actual rules violations when challenged • Match List fines startin...

The world of payments is rapidly evolving, yet cryptocurrency remains largely trapped in investment portfolios rather than being used for everyday transactions. Derrick Hess of Zero Point, a veteran ISO with decades in the payments industry, believes this is about to change—and payment professionals will be the catalysts. Cryptocurrency offers two game-changing benefits that could revolutionize me...

Tom Lineen brings 25 years of payments industry wisdom to the table as he unpacks how WestTown Payments (https://www. WestTownpayments.com/) is transforming merchant services through banking integration. Having started at AuthorizeNet in 2000 as the 29th employee, Tom has witnessed firsthand the evolution from clearly defined industry roles to today's interconnected ecosystem.    The conversa...

The payment processing landscape is transforming dramatically, and nowhere is this more evident than in the changing relationship between processors, ISOs, and merchants. In this revealing conversation with the leadership team from Paisley, we dive deep into the future of payment processing and how innovation is reshaping the industry. Remember when Card Connect was acquired by First Data, and lat...

The traditional payment processing landscape is undergoing seismic shifts, and this provocative discussion with David Leppek, CTO of SignaPay, examines what many in the industry have been whispering about: are Independent Sales Organizations (ISOs) facing extinction?   Major processors like First Data and Fiserv have been systematically pushing out their ISO channels, preferring direct relationshi...

Julie Douglas, a 25-year veteran in the payments industry, shares how Dealer Pay (https://www.dealer-pay.com/team/) is revolutionizing auto dealership payment processing with innovative gateway technology and business efficiency tools. Her team has created software solutions that transform the traditional commodity of payment processing into valuable business intelligence across the five distinct...

Dive into the complexities of merchant processing and arm yourself with powerful insights shared by industry experts in our latest episode. As the landscape of payments continually evolves, business owners face unseen obstacles that could impact their ability to thrive. During our engaging discussion, we explore the hidden costs associated with merchant agreements, ensuring that listeners gain a p...