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number 68 of The Payments Experts Podcast, we break down the silent killers of merchant profitability: compliance gaps, outdated integrations, and poorly configured gateway flows.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-evolving regulatory and card brand environment.

We cover:

The hidden costs of “set it and forget it” payment stacks

Why Level 2 and Level 3 data optimizations are underutilized (and how to fix that)

The realities of surcharging, dual pricing, and state-by-state compliance

How interoperability—not vendor lock-in—is your best defense against constant rule changes

What it actually takes to maintain high authorization rates while reducing chargebacks and support friction

If you’re an ISO, agent, processor, or fintech pro trying to reduce risk, improve interchange qualification, and stay ahead of card brand changes, this conversation is your playbook.

Listen to the full episode and explore more insights at
https://www.globallegallawfirm.com/podcasts

Subscribe for weekly episodes featuring actionable guidance for navigating high-risk merchant services, surcharging regulations, and the future of payments infrastructure.

**Matters discussed are all opinions and do not constitute legal advice. All events or likeness to real people and events is a coincidence.**

A payments podcast of Global Legal Law Firm