Rephonic
Artwork for The Payments Experts Podcast
Visa
Mastercard
Artificial Intelligence
Payments Industry
VAMP
Surcharging
Dual Pricing
Merchant Of Record
Match List
Payfac
Global Legal Law Firm
Isos
Stablecoins
Cash Discount
Non-Compete Law
Non-Solicitation
Payments
Chargeflow
Tuzo Rewards
Chargebacks

Expert payments attorneys discuss the electronic payments industry from a legal perspective.

PublishesWeeklyEpisodes125Founded3 years ago
Number of ListenersCategory
Business

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Artwork for The Payments Experts Podcast

Latest Episodes

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, (www.nowreceive.com/) fintech entrepren... more

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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 Dr... more

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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 No... more

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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 o... more

YouTube

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Recent Guests

Ariel Blum
Fintech entrepreneur and payments expert
Episode: Is Traditional Banking Becoming Obsolete? The Fintech Revolution with Guest Ariel Blum | PEP126
Adam Spencer
Former banker turned payments executive and independent consultant; expert in payments infrastructure, Lending-as-a-Service, and strategy
Independent consultant / former financial services executive
Episode: Beyond Normal: Adam Spencer’s Wild Journey Through Banking & Payments | PEP124
Charles Bayani
Founder of The Payment HQ
The Payment HQ
Episode: Personal Brand Is the Untapped Edge in Payments with Guest Charles Bayani The Payment HQ | PEP122
Rey Pasinli
Payments industry expert and advisor with deep experience negotiating merchant processing contracts and reserves.
Total Apps (guest context within episode)
Episode: The Ugly Side of Merchant Processing: Fees Reserves & Bad Contracts | Guest Rey Pasinli | PEP121
Matt Steinbrecher
Founder/CEO, Sound Commerce (Sound Commerce, LLC)
Sound Commerce, LLC
Episode: Merchant of Record: The Compliance Model Everyone In Payments Is Talking About And Why | PEP114
Bill Kurtzner
Founder/CEO of Cost Savings AI (and Util Auditors)
Cost Savings AI
Episode: The AI Platform Helping Businesses Cut Costs Everywhere: Cost Savings | Bill Kurtzner PEP111
Clark Krimer
Guest from National ePayment (Special guest)
National ePayment
Episode: Dual Pricing Done Right: 2026 Practical Guide To Cash Discount And Surcharging Compliance | PEP106
Dale Laszig
Senior staff writer for The Green Sheet
The Green Sheet
Episode: AI Hallucinates a Refund Policy (It Didn't Exist) & The Business Paid: Rogue AI in Payments | PEP105
Deana Rich
Guest, connected with Infinicept and LaunchPay
Infinicept, LaunchPay
Episode: PayFac vs Merchant of Record: The Risk No One Explains | Guest Deana Rich of Infinicept | PEP104

Host

James Huber
Managing/In-studio host from Global Legal Law Firm; frequent guest/host with deep payments law expertise

Reviews

5.0 out of 5 stars from 9 ratings
  • Valuable info presented impeccably

    A real treasure for professionals in payments

    Apple Podcasts
    5
    GaetanoGpar
    Francea year ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Listeners describe the show as a valuable resource for payments professionals seeking practical, legally-grounded insights.
The discussions are detailed and actionable, helping sponsors and guests understand regulatory nuance.
Fans appreciate guest credibility and the depth of industry knowledge.

Talking Points

Recent interactions between the hosts and their guests.

Thousands of Merchants Could Be at Risk: Understanding VAMP with Rey Pasinli of Total Apps | PEP125
Q: What should merchants and processors do to protect themselves under these frameworks?
Invest in accurate data analytics, validate vamp and scam metrics with regression analyses, and maintain transparent governance over vendor tools and processes. Focus on improving customer service data quality, eliminating practices that trigger adverse indicators, and ensuring compliance with both card brand rules and local laws.
Thousands of Merchants Could Be at Risk: Understanding VAMP with Rey Pasinli of Total Apps | PEP125
Q: How has implementation of VAMP/SCMM affected your world and decision making for merchants?
They have pushed a shift toward more data-driven portfolio management, forcing us to scrutinize which merchants actually pose material risk and to adjust onboarding and monitoring practices accordingly. The tools and dashboards necessary to parse vamp data accurately are crucial, as inflated or misparsed data can lead to erroneous terminations and unjust outcomes.
Thousands of Merchants Could Be at Risk: Understanding VAMP with Rey Pasinli of Total Apps | PEP125
Q: What is VAMP and SCMM, and how are they different from one another?
VAMP focuses on merchant performance metrics and penalties tied to regulator-approved ratios (like TC40), while SCMM evaluates the combination of chargeback and refund risk more holistically, aiming to capture overall risk in a merchant's business model. Both drive enforcement at the acquirer/processor level and incentivize better risk management, with VAMP historically tied to fraud signaling and SCMM addressing the interplay between refunds and chargebacks.
Peptide Merchants: Payment Processing MATCH & Solutions | Peptides and Merchant Services | PEP123
Q: What strategies do you recommend for peptide merchants to stay compliant and avoid match list penalties?
Build a transparent compliance package for banks, leverage alternative processing solutions, and pursue removal from match lists through documented evidence and strategic negotiations rather than confrontational posturing.
Beyond Normal: Adam Spencer’s Wild Journey Through Banking & Payments | PEP124
Q: What initially drew you to payments after leaving the bank, and how did that transition shape your approach to the space?
I shifted from traditional banking to payments by leaning into my network, understanding of liquidity, and the need for scalable, open platforms. This led me to build a model that combined best-in-class pricing, broad platform access, and strong service to help merchants grow, rather than simply selling a transaction.

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Frequently Asked Questions About The Payments Experts Podcast

What is The Payments Experts Podcast about and what kind of topics does it cover?

A sharp, practitioner-focused series centered on the legal and regulatory dimensions of electronic payments. Episodes routinely dissect merchant of record, PayFac, dual pricing, surcharging, and compliance with card networks and state regulators, often featuring payments attorneys and industry veterans. The conversations blend practical risk management, enforcement anecdotes, and strategic guidance for merchants, ISOs, and software vendors navigating complex rules. The show stands out for its actionable, governance-heavy take on how laws and network rules shape everyday processing, with guest perspectives from Global Legal Law Firm and other payments experts adding heavyweight credibility. Potential listeners include payments professionals ... more

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Which podcasts are similar to The Payments Experts Podcast?

These podcasts share a similar audience with The Payments Experts Podcast:

1. Merchant Sales Podcast
2. Payments on Fire™
3. Leaders In Payments
4. All-In with Chamath, Jason, Sacks & Friedberg
5. The Joe Rogan Experience

How many episodes of The Payments Experts Podcast are there?

The Payments Experts Podcast launched 3 years ago and published 125 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on The Payments Experts Podcast?

Recent guests on The Payments Experts Podcast include:

1. Ariel Blum
2. Adam Spencer
3. Charles Bayani
4. Rey Pasinli
5. Matt Steinbrecher
6. Bill Kurtzner
7. Clark Krimer
8. Dale Laszig

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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