Best Token Terminal Podcasts (2025)

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Contracts That Make You Bankable: Portability, Tokens, Termination | Adam T. Hark WHF | PEP089 29:00

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1h ago29:00

29:00

Banking Meets Payments: Capital, AI Reality Checks, and the Tokenized-Deposit Shakeup Hosted 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…

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Stopping Deepfake Fraud: Identity at the Exact Moment Money Moves | How Payments Fight Back | PEP088 37:06

3h ago37:06

37:06

Stopping Deepfake Fraud: Identity at the Exact Moment Money Moves A 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…

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Compliance-as-a-Feature: How ISOs Keep MIDs (and Sleep) | Website Compliance That Sticks | PEP086 32:10

7d ago32:10

32:10

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 Cly…

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Lending Against Residuals: How ISOs Really Scale with Super G Capital | Darrin Ginsberg | PEP085 34:36

10d ago34:36

34:36

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…

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VAMP Caps & Chargebacks: The New Rules to Survive in 2026 | Guest Maurice Griefer of MyCPO | PEP084 34:45

22d ago34:45

34:45

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 t…

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Merchants Versus The MATCH List: Why The Threat Of A Lawsuit May Now Be Your Best Approach | PEP083 24:36

27d ago24:36

24:36

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 …

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M&A Tech Diligence for Payments: The “Technical Carfax” You Need | Meet Traceless.com | PEP082 29:18

1M ago29:18

29:18

Social Engineering Beats Your Stack: Fix Identity or Get Breached A 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 headli…

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Hemp Ban Shockwave: Why A Quiet Hemp Rule Could Upend Electronic Payments Overnight | PEP081 18:21

1M ago18:21

18:21

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 Moere A sudden hemp or cannabinoid ban doesn’t just change SKUs—it detonates risk models, freezes reserves, and scrambles underwriting across entire portfolios. In th…

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Debit Is Not Credit (But Is It Cash?) | The Compliance Rule ISOs & Merchants Keep Missing | PEP080 24:47

1M ago24:47

24:47

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…

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Dual Pricing v Cash Discount: Surcharging Mistakes That Trigger Fines | with Supersonic POS | PEP079 23:10

1M ago23:10

23:10

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 l…

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Taming Chargebacks With Real AI Agentics | Special Industry Insider ChargeFlow & Ben Herut | PEP078 15:22

1M ago15:22

15:22

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 …

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Why Your “Cash Discount” Program Might Be Illegal | Surcharging Dual Pricing and Debit | PEP077 22:06

2M ago22:06

22:06

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 cred…

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Candor Over Clever: The Sales Edge Most In Payments Ignore | Field Guide for ISOs & Agents | PEP076 22:17

2M ago22:17

22:17

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, le…

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Surcharging Fines Without Findings: Dual-Pricing Compliance Playbook: Signs, Receipts, You | PEP075 20:19

2M ago20:19

20:19

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 …

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AI Agents at Checkout: Are You Ready for Bot-Driven Commerce | Agentic Payment Transactions | PEP074 32:36

2M ago32:36

32:36

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 Christop…

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Change Drives Payments & Your Choices Decide Survival | Smart Growth Safer Deals | Special Ep PEP073 23:41

2M ago23:41

23:41

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 in…

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Inside Payments Since 2003: Digital Transactions Sr Editor Kevin Woodward Discusses Industry Now | PEP072 34:09

2M ago34:09

34:09

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 witho…

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The VAMP Era: Why Your Merchant Portfolio May Be Riskier Than You Think | Sound Commerce | PEP071 20:26

2M ago20:26

20:26

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 emergin…

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VAMP is Here: The Risk Game Just Changed: Are You Ready for Visa's New Rules? | PEP070 25:02

2M ago25:02

25:02

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 wat…

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Why Smart ISOs Don’t Get Locked In | Build Optionality Into Your Payments Stack with NMI | PEP069 16:48

3M ago16:48

16:48

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…

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Why “Set It and Forget It” Is Costing You in Merchant Processing | Guest Rob Hoblit of NMI | PEP068 16:33

3M ago16:33

16:33

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:/…

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Merchant Processing Gone Wrong: The Legal Risks ISOs Ignore | High-Risk Processing Pitfalls | PEP067 14:47

3M ago14:47

14:47

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 de…

1
The Future of Payments Is Stablecoins: Why Merchants and Banks Are Embracing Stability | PEP066 14:45

3M ago14:45

14:45

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 vo…

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High-Risk Processing in 2025: Legal Landmines Every Merchant Agent & ISO Should Understand | PEP065 14:59

3M ago14:59

14:59

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 will…

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When The Processor Becomes the Predator: A Legal Wake-Up Call for ISOs Agents and Merchants | PEP064 14:21

3M ago14:21

14:21

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 …

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Super ISOs Are Taking Over Payments—Is the Old Model Dead? | New Payments Power Structure | PEP063 10:56

4M ago10:56

10:56

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…

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Stuck on the MATCH List? How to Save Your Business Before It’s Too Late | Removal Is Key! | PEP062 27:38

4M ago27:38

27:38

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, ag…

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Non-Competes Non-Solicits & Merchant Payments: What’s Really Enforceable | Contracts Matter | PEP061 9:03

4M ago9:03

9:03

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 in…

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AI in Payments: Game-Changer or Legal Nightmare? | The Truth About AI in Merchant Services | PEP060 9:28

4M ago9:28

9:28

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…

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Top 3 Most Important Clauses and Terms For Your ISO Agent Agreement | Contracts Matter! | PEP059 42:20

4M ago42:20

42:20

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 busines…

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Surcharging Situationships: The Dual Pricing Dilemma Merchants Can't Seem to Solve | PEP058 26:12

4M ago26:12

26:12

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 …

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Secret Revenue Imperative: Cybersecurity for Payment Processing | AJ Global Cybersecurity | PEP057 45:05

4M ago45:05

45:05

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 Dryde…

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The VAMP Revolution: How Visa's New Rules Affect E-commerce | Sound Commerce Joins Us! | PEP056 56:03

5M ago56:03

56:03

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 t…

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Your Biggest Opportunity In Payments: Verticals | Caleb Avery of Tilled PayFac-as-a-Service | PEP055 29:42

5M ago29:42

29:42

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 expe…

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The Honest Broker: Why Transparency in Payments Actually Pays Off with Aacadia Payments | PEP054 45:55

6M ago45:55

45:55

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 coll…

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Payment Protectionism and the Payments Police Threaten Commerce | Special Guest Eric Grover | PEP053 57:24

6M ago57:24

57:24

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 Dryd…

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Prepare Your Business or Book for Sale | The Art of Selling Your Payments Portfolio or Biz | PEP052 43:28

7M ago43:28

43:28

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…

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Cash Card or ChatGPT Receipt Hack? Behind the Scenes of Payment Processing w Allen Kopelman | PEP051 50:12

7M ago50:12

50:12

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 …

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ATMs to AI: The Complex Landscape of Real-Time Payments and Reg Changes with Patti Murphy | PEP050 47:22

8M ago47:22

47:22

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 techno…

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Dual Pricing Revolution: How Tech is Changing the Game | Conversation With Paul Hadfield | PEP049 30:34

8M ago30:34

30:34

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…

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Selling Dreams, Not Terminals: Tuzo Rewards Surprising Revolution in Payment Processing | PEP048 57:08

8M ago57:08

57:08

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 • Pi…

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Countering Friendly Fraud: Legal Remedies for Chargeback Fraud | Disputed Transactions | PEP047 17:28

8M ago17:28

17:28

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 wi…

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Navigating Merchant Match Violations: When Banks Don't Play By Their Own Rules | MATCH | PEP046 34:52

8M ago34:52

34:52

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 vio…

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Crypto Bros Need Payment Pros | Bitcoin Future in Payments with Derrick Hess of Zero Point | PEP045 31:25

9M ago31:25

31:25

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 …

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Banking on Innovation: The Evolution of Payments with Tom Lineen of WestTown Payments | PEP044 58:23

9M ago58:23

58:23

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…

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The ISO Survival Guide: Innovation in a Consolidating Payment Industry | Guests Payzli.com | PEP043 22:50

9M ago22:50

22:50

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 whe…

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The Future of ISOs: Adapting or Dying? | With Special Guest David Leppek of SignaPay | PEP042 45:35

9M ago45:35

45:35

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 t…

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Auto Dealership Payments Unraveled with Dealer Pay | Five Businesses Under One Roof Expert | PEP041 33:45

9M ago33:45

33:45

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 valuab…

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Secrets and Solutions for Merchants Trying to Obtain Processing with David Goodale | PEP040 52:07

10M ago52:07

52:07

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 mer…

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Surcharging Compliance for Merchants: Dual Pricing and Cash Discount What You Need to Know | PEP039 40:14

10M ago40:14

40:14

Ever wondered how the payment landscape has transformed from outright prohibitions on surcharges to complex legal frameworks? Join us for an eye-opening discussion with Associate Attorney Leo Arzumanian, who sheds light on these intricate changes. We promise you'll walk away with a deeper understanding of state-specific regulations and the implicat…