How Dual Pricing and Surcharging Changed ISOs Forever: Payments Now Residuals Risk & Growth | PEP103

How Dual Pricing and Surcharging Changed ISOs Forever: Payments Now Residuals Risk & Growth | PEP103

March 23, 2026 · 16 min · Episode 103

About this episode

The episode discusses how dual pricing and surcharging have transformed the ISO landscape through Naveed's experiences in payment processing.

A single receipt can change how you see the payments industry. When Naveed from KV Payments notices a 4% card charge at a mechanic shop, it triggers the question every small business owner eventually asks: where is all that processing margin going, and how do you price merchant services fairly without stepping into a compliance mess? We walk through Naveed’s unconventional path into payment processing, from relationship banking at Chase to the hard reality of building an ISO portfolio the sl...

More episodes of The Payments Experts Podcast

Explore listener stats, chart rankings, contacts and more on the The Payments Experts Podcast podcast page.