The Payments Experts Podcast

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  Beyond Normal: Adam Spencer’s Wild Journey Through Banking & Payments | PEP124 15.09.2026 27dk

  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, portfolio value, and one of the most consequential chapters of Adam’s career: his involvement...
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  Peptide Merchants: Payment Processing MATCH & Solutions | Peptides and Merchant Services | PEP123 31.08.2026 27dk

  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 James Huber and Senior Associate Bryce Van De Moere discuss what they are seeing firsthand while r...
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  Personal Brand Is the Untapped Edge in Payments with Guest Charles Bayani The Payment HQ | PEP122 25.08.2026 29dk

  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, agent training, and what it takes to build a payments organization for the long term. Charle...
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  The Ugly Side of Merchant Processing: Fees Reserves & Bad Contracts | Guest Rey Pasinli | PEP121 17.08.2026 34dk

  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 that continue to give the payments industry a black eye. Rey brings nearly three decades of paym...
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  The $8000 Payment Hold That Changed Everything: When Your Store Blows Up & PayPal Says Nope | PEP120 11.08.2026 18dk

  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 unexpected lesson in high-risk payment processing and ultimately evolved into building e-commerce busin...
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  Surcharging Webinar: Dual Pricing Across the 50 States | Live Recorded Event on August 8 2026 PEP119 10.08.2026 54dk

  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 merchants, ISOs, agents, processors, and payments professionals are actually confronting: Visa and ...
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  Biggest Shift Happening in Merchant Services: James Shepherd Predicts the Future of Payments PEP118 28.07.2026 28dk

  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 CCSalesPro, Stackably, and CCStorage, for an in-depth conversation about where the payments industry is head...
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  MATCH List Nightmares: When Your Business & You are the Victim | Guest Allen Kopelman | PEP117 22.07.2026 38dk

  AI Identity Theft Is Destroying Merchant Accounts AI 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 business identity theft and its impact on merchants, ISOs, payment processors, and underwriters.&nb...
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  Visa's Secret Shoppers Cost This Merchant $25K: How Merchants Get Hit With Compliance Fines | PEP116 13.07.2026 44dk

  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 (https://watchdogmerchantservices.com/) to get brutally practical about payment processing complia...
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  Your Business Is Probably Overpaying - Learn Why | AI-Powered Cost Audits with Bill Kurtzner PEP115 06.07.2026 19dk

  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 entirely new revenue opportunities for payment professionals, ISOs, and fintech companies. We dive into h...
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  Merchant of Record: The Compliance Model Everyone In Payments Is Talking About And Why | PEP114 29.06.2026 31dk

  “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 transactions. We talk through how post-COVID enforcement changed the game, why the California Franchise...
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  The Biggest Opportunity in Payments 2026: Why Distribution May Be Your Last True Advantage | PEP113 22.06.2026 25dk

  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 with CCSalesPro legend James Shepherd (https://www.ccsalespro.com/) to get real about why so many...
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  Five Things That Give The Merchant Processing Industry a Bad Name and How To Fix It | PEP112 16.06.2026 45dk

  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://watchdogmerchantservices.com/) to get blunt about the real-world problems small businesses face with...
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  The AI Platform Helping Businesses Cut Costs Everywhere: Cost Savings | Bill Kurtzner PEP111 08.06.2026 17dk

  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 Kurtzner with Cost Savings (https://costsavings.com/), a payments veteran turned cost containme...
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  Merchant of Record vs PayFac: MOR Explained: What Everyone Gets Wrong - Know The Difference | PEP110 03.06.2026 26dk

  “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, or regulators show up. We dig into what we’re seeing with Visa VAMP in the real world, including...
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  Why Merchants Get MATCH’d After Fraud They Didn’t Cause: Inside the BRAM Fine System | PEP109 13.05.2026 26dk

  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 network rules, sponsor bank obligations, and the merchant processing agreement that quietly shifts l...
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  The Secret to Merchant Stickiness? Rewards Instead of Rate Cuts with Guest Tuzo Rewards | PEP108 06.05.2026 25dk

  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 & Hersh Moskowitz, about a different approach: merchant rewards that are earned on gross processin...
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  Why Processors Freeze Accounts (And How to Avoid It) | How Merchants Survive & Even Thrive | PEP107 22.04.2026 22dk

  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, especially if you rely on a single merchant-of-record provider for credit card processing, recurring...
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  Dual Pricing Done Right: 2026 Practical Guide To Cash Discount And Surcharging Compliance | PEP106 14.04.2026 20dk

  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 Krimer from National ePayment (https://nationalepayment.com/) to get practical about what act...
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  AI Hallucinates a Refund Policy (It Didn't Exist) & The Business Paid: Rogue AI in Payments | PEP105 06.04.2026 16dk

  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 explain what changes when “the customer” is a digital agent acting autonomously at real-time speed...