PEP Episode 080 — Debit Is Not Credit (But Is It Cash?) | The Compliance Rule ISOs & Merchants Keep Missing

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 blurry as they seem. The rule of thumb is simple: debit changes everything. We break down how debit restrictions affect convenience retail, why state deceptive trade practices laws can trump card brand tolerance, and how New York and New Jersey have become the practical playbook for clear, compliant disclosure.

Join Leo Arzumanyan, Esq., and Jeremy Stock, Director of Operations of Global Legal Law Firm host Hahdi Hussein of Supersonic POS (https://supersonicpos.com/) to unpack how dual pricing, surcharging, and cash discounting differ, why debit cards change the rules, and how state laws like New York’s 518 make clear shelf labeling non-negotiable. We also explore AI’s real impact on POS, inventory, and L3 data, and why ethical, community-first selling beats poaching through complaints.

• differences between surcharging, cash discounting, and dual pricing
• why debit rules make or break compliance in C-stores
• state deceptive trade practices and junk fee scrutiny
• New York and New Jersey as practical compliance baselines
• shelf labeling, signage, menus, and customer-facing displays
• ethical sales versus secret shopper poaching
• gas stations as the dual pricing template
• AI for inventory ingestion, pricing, and level 3 data
• guardrails for AI to prevent hallucinations and errors
• Supersonic POS capabilities, industries, and US/Canada reach
• roadmap highlights: pay at the pump and e-commerce

From there, we get tactical. You’ll hear how to implement dual pricing the right way: post two prices where buying decisions happen, align shelf labels and menus with receipts, and avoid last-second surprises disguised as “service fees.” We talk through the messy realities of C-stores with thousands of SKUs, the limits of customer-facing displays, and the operational discipline needed to keep labels current. We also confront an ugly trend—agents soft-reporting noncompliant merchants to poach accounts—and offer a better path: fix the issues, earn trust, and grow your book by protecting small businesses from fines.

We also explore how AI is reshaping POS and compliance. From ingesting invoices to auto-build product catalogs to translating receipts into valid Level 3 data and supporting underwriting and website monitoring, AI can make teams faster and more accurate—if you set guardrails to avoid hallucinations. Our guest from Supersonic POS shares what’s live today, what’s next—pay at the pump, e-commerce, age-restricted delivery—and why being processor-agnostic and ISO-friendly matters for long-term partnerships.

If you care about transparent pricing, customer trust, and durable margins, this conversation gives you a clear roadmap. Subscribe, share with a peer who needs a compliance reset, and leave a review with your toughest pricing question so we can tackle it next.

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

Transcript

Mahdi Hussein (00:00):

Of ISOs. A lot of agents are, their source of sales is the community.

(00:06):

They’re community people. That’s the whole concept of the agent model is Mr. Big Processor can’t be the best friend with every single small business owner. It is just not what they’re equipped for. They can’t service these small businesses at the level they need. These small business owners are working it out. They’re just barely making it all the times, and they need that hands-on experience. And I think when an agent does that, it’s like the right thing to do is maybe use it as an opportunity to walk into, I mean, my opinion is like, hey, walk into the store and say, did you know you’re not compliant? Rather than try to let me penalize you and get you in trouble, it’s let me make you compliant, lemme help you out and I’m going to earn your business that way. I think that’s maybe a more valid answer. There’s a right way to do it. It’s like there’s nothing wrong with seeing stores days. We’re all in the payments business, but we’re here to service the small businesses.

Jeremy Stock  (01:04):

Welcome to the Payments Experts podcast, a podcast of global legal law firm. We hope you enjoy this episode.

Mahdi Hussein (01:18):

We actually never implemented cash discount. We said surcharge. We do search true proper above board surcharging as a no debit cards. If you had debit bin range, it’ll denied. Even if you try to run its credit, it’s a key difference because think of the wording cash discount. So if my method of payment is considered a form of cash, I have to give you that discount. So if you go back to Dodd-Frank in 2008, Durban, you’re charging that fee. You’re not giving that discount to a debit card, which is considered legally cash. So now you’re in violation. So that’s the first, I think the biggest thing, especially in the C store or convenience retail environments, because the debit rate’s so high, you don’t see much pinned debit like a doctor office. You’re not going to see as much pinned debit, right? Yeah. This debit cards don’t really come in. Right. Or law form firms. Right. You guys aren’t, I don’t you guys get much debit cards here? Yeah,

Jeremy Stock  (02:25):

Once in a while. Once in a while, but yeah, but not often.

Mahdi Hussein (02:27):

Yeah, it’s mostly credit, right? And it’s like, so you don’t really have to worry as much about the bin concept and looking at the card because again, you look at the cards, there’s that little where it says visa and it says debit. Oh, by randomized it’s still debit right there. So it’s like trying to read that concept. And so the point is cash discounting, you can’t do debit. That’s a huge fee source. Imagine 30 40% pinned debit or debit card ranges coming into a store. That means you can only talk about 50 to 60% as sur chargeable versus debit card. So again, surcharge and cash discount are more alike in nature than dual pricing is because surcharge and cash discount both have that same no debit card rule and they kind of stem from the same concept. Whereas cash discount, I mean, and I think that’s where, I’ll say it back. I’m not sure if it’s even 4%. Is the cap still for that or not? You can’t do four. Is the cap still applicable to cash discount?

Leo Arzumanyan (03:17):

No, I haven’t seen a cap applicable to cash discounting.

Mahdi Hussein (03:21):

In theory, dual pricing also has no cap in theory. Now that’s arguable because you start getting into state laws.

Leo Arzumanyan (03:29):

Yeah, that’s what I was just saying.

Mahdi Hussein (03:30):

State laws and you start dealing with the local, again, local nomenclature and the local rules and regulations that you have to apply by beyond the card networks.

Leo Arzumanyan (03:39):

And also when it comes to state laws, there’s the state laws that are talking about specifically surcharging, right? Or junk fees. They all label things differently. But then there’s a whole nother sector of state laws that I think a lot of people in our industry don’t take into account. But it’s important. And recently a couple of clients have had us look into this and that’s every state has a deceptive trade practices act, right? And that is about like, are you being deceptive with your pricing to the consumer? That’s a whole nother different ball game. And you have to also comply with that. We had a client come to us and say, Hey look, one of my merchants doesn’t want to display pricing on anything. We’re like, what state is he in? And we looked into it and in that state like absolutely not. You cannot do that.

Mahdi Hussein (04:22):

Exactly. And so I think that’s,

Leo Arzumanyan (04:23):

There’s all these different levels of laws and card brand rules because the card brand’s

Mahdi Hussein (04:28):

Okay with that.

Leo Arzumanyan (04:28):

The card brand’s. Okay, if you not

Mahdi Hussein (04:30):

Showing the pricing.

Leo Arzumanyan (04:31):

Yeah, but the state’s not

Mahdi Hussein (04:32):

The state’s usually not, right? Because then there’s again, Florida, a lot of states say no, you have to label the price on the shelf. Exactly. That’s a deceptive practice. What I’ll say is New York’s always been the little hot testing ground for these things. This always has been, I mean we were seeing in the market dual pricing issues come up back in 22, 22,

(04:53):

Fines were being assessed. 23, it was the first market out there getting hit with this stuff. And that’s where the laws got created and the state got involved. And what I’ll say is this, you run into a lot of times this concept that what we do for example, is we were originally on, we were always listening. So as a company, we’ve always been watching and listening to, okay, where’s dual pricing going to go? Because we were always very interested and eager with dual pricing from day one. We watched it, but we wanted to do it right? So day one, whereas others were doing the whole cash adjustment thing. We were doing the two price thing. We were doing it and we were pro rating it. Again, here’s a better question. What do you do about dual pricing on tax and tips?

Leo Arzumanyan (05:38):

That’s great

Mahdi Hussein (05:38):

That people don’t never think of it that through. And there’s like, there’s so many levels to dual pricing that you have to get at. And we were thinking of all those things from the day one. And I think the important thing we even found was beyond that, you start finding that the store a lot of times runs into the shelving. We were like, okay, well the sling at the point, the original wording was put stickers at the door

Leo Arzumanyan (06:04):

Sale, point of sale entry point of stick. Point of sale entry. Yeah. Now it’s gone beyond that

Mahdi Hussein (06:08):

And show the price at the point of sale. And originally this misconception industries, well, if we show both prices with a customer facing display, our problems are solved. We’re going to show that the shelf is labeled cash, but we are actually showing two prices at the point of sale. So it’s not like it was completely, it would perhaps past the state junk fee or junk concept because we weren’t disclosing prior to purchase.

Leo Arzumanyan (06:35):

Because

Mahdi Hussein (06:35):

What some people were doing is just like a lot back then. A lot of stores, a lot of ISOs were just like, oh, well we didn’t tell you nothing about it. And you’d buy something that just charging more.

Leo Arzumanyan (06:43):

Well, even now, I wouldn’t say back then they still, I spoke about this on our last podcast. I was out to dinner a few weeks ago in La Jolla. There’s no signage anywhere about surcharging. When we got the bill, I can’t remember if it was a five or 6% surcharge on top. I was like, no. And I spoke to the manager, I was like, I’m in this industry. Can you have that removed? They removed it, but he’s like, I have no idea what you’re talking about.

Mahdi Hussein (07:05):

No man, it’s a service fee, right? It a service. It’s going to the

Leo Arzumanyan (07:08):

House. Yeah. I was like, nah, you for

Mahdi Hussein (07:09):

Tips.

Leo Arzumanyan (07:10):

It was an expensive restaurant, so another five 6% really shot the price up. So I was like, you got to remove that.

Mahdi Hussein (07:15):

Yeah, that’s a funny thing. You start seeing so many things. Restaurants are, because again, we’re more retail. We do a little bit QSR, we do QSR and we work with is and do these things. But you look at true the toasts of the world, they have this concept of tip allocation, what some people, and it’s on toast website, it’s not even, you can go on toast.com and find this. They have this concept of tip management. You can put a 15 20% tip or automatic service charge. Some PSS do that too. They’ll do the whole like, oh, we’re going to, if you parties a five or more 20% service charge, I’m sure you’ve seen that, and they’ll do is how the tips are distributed at the restaurant. 5% goes to the house and then we’ll do 10% to the waiter and then 5% to the

Leo Arzumanyan (08:05):

Cook,

Mahdi Hussein (08:06):

And then what was that 5% for the house for the fees?

Leo Arzumanyan (08:10):

But is that cost of living adjustments? I’ve seen those. It’s just says cost of living adjustments

Mahdi Hussein (08:14):

5% and that visa compliant, right? It’s a service charge for the tip. It’s a tip. I mean it’s like then you start getting to labeling law. It’s like, okay, we’re labeling this as a tip, but it’s not being addressed as a tip. And it’s like, its just so much of the nuance regarding to, it’s really at the end of the day, I think everyone in the industry looks at it like, okay, how do we label it to fix it?

Leo Arzumanyan (08:36):

I think New York, so we talk about this all the time internally, me and Chris kind of run these ideas back and forth and kind of get each other’s perspectives on what we think is going to happen going forward. Lemme know what you think. We personally, I can speak for Chris on this. I think that New York is going to be setting the trend when it

Mahdi Hussein (08:52):

Comes. Absolutely.

Leo Arzumanyan (08:52):

Their law, general business law section five 18, which discusses all this,

Mahdi Hussein (08:57):

We whole video on it.

Leo Arzumanyan (08:58):

Yeah, we have a whole video on it, right? Is really clear, kind of lays out exactly what to do. They may be stricter than other states, but I think a lot of states are going to start following them and I think they’re kind of like the golden rule or gold standard. This is how you should do it. If you want to really be compliant.

Mahdi Hussein (09:13):

Well, even New Jersey, New Jersey is a little more strict on some of those pieces in New Yorkers. They’ve always piggyback each other on that. And I think I’ve seen it firsthand with New York, that was, again, that was one of the first markets who ran into this compliance piece. And I’ll say, New York has this concept of you must point it on the shelf. And that was the biggest thing because to us,

Leo Arzumanyan (09:34):

And it doesn’t get clearer than that, right? At least you know what to do.

Mahdi Hussein (09:36):

Yeah, that’s what it goes back to. The industry has a problem with how do we bandaid just to make some money. And I think at the same time there is a legitimate concern, which is store owners don’t want to pay these fees.

(09:50):

And both sides, there’s a ration there. And I think looking at with eliminating fees for store owners or minimizing fees, they don’t want to pay 3% or 2% or whatever it may be, especially low ticket. They’re paying three even higher on low tickets. You pay $10 average ticket, you’re going to be over 3% interchange. And I think what’s important is we have ESLs, actually it’s a big part of what we’ve been pushing, so we’ve always been day one, we actually go out, part of our procedure internally as a company is we make sure we actually send somebody out to RET sticker the store.

Leo Arzumanyan (10:25):

See, this is what you guys got to do. If you’re listing effort you need to put in,

Mahdi Hussein (10:29):

We send a person out, we RET sticker and C-store mind. You aren’t restaurants where there’s a menu. It’s like a hundred items. We’re talking 5,000 SKUs

(10:39):

And we literally print a whole book, all kinds of shelving. That’s why shelving labels are a huge part of our PO Os. We have literally four ways to print a shelving label because it’s important. Being able, if you don’t integrate into the, and that’s where the software as a whole, if you don’t integrate to the flow and meeting the merchant where they want be in their flow, you aren’t going to be able to change that cycle. What’s going to happen next week? They’re going to grab the price gun, it start sticker, sticker, sticker, and now it’s not compliant again.

Leo Arzumanyan (11:05):

Yeah. You see, that’s why it’s so interesting because all this stuff is not really thought about on the surface level, but it goes deep. We’ve had a lot of these types of discussions regarding shell pricing and then even signage, right? You want to have the right form of signage so that the consumer is not confused.

Mahdi Hussein (11:19):

I’ve seen some bigger agents even come and be like, Hey, I want to put ESLs electronic shell labels and all. We have an e ESL integration. We do it for larger supermarkets because we do some big supermarkets or bigger meat market. We some pretty large accounts. And what they do is, while we have that, because that’s an investment, because it’s a golden rule, it’s a golden idea. I’m like, that’s great, but then those shelving labels go look it up. The lowest you’re going to be in the $5 a piece range, 5,000 skews times five bucks, $25,000. And they’re like, oh, I’ll just sticker the shelf. I’m like, okay. I think we’ll see beyond this, maybe ISOs started to do secret shopper programs internally. We’ve seen that at some ISOs. That’s

Leo Arzumanyan (11:59):

Interesting. Yeah.

Mahdi Hussein (12:00):

Internal secret. Because again, even actually what I’ve seen on some of the apa, some the apps or the apps p, the associated payment professionals, the underwriters, I’ve seen them actually incorporate dual pricing as moderate to high risk with EDD into the credit policy. And I’m starting to see that on a lot of newer credit risk matrices that are coming out. They’re like, no, we want dual pricing to be enhanced due diligence.

Leo Arzumanyan (12:27):

Wow, that’s pretty interesting. I dunno why I thought of this, but it reminded me of something we heard about recently, which I thought was crazy. Something that’s starting to happen now in the industry. Agents are going out acting as defacto secret shoppers trying to steal business from other agents, so they’re going catching a merchant that’s not compliant, reporting it a visa, and it’s just creating a snowball effect of incentivizing, poaching these businesses.

Mahdi Hussein (12:55):

But see, that’s the problem is it’s something that bites. At the end of the day, it just goes back, just do it right, do it compliantly, because at the end of

Leo Arzumanyan (13:01):

The day, you’ll save yourself a lot ahead.

Mahdi Hussein (13:02):

One, you just screwed over a small business owner, which is not a good, again, a lot of ISOs, a lot of agents are, their source of sales is the community.

(13:13):

They’re community people. That’s the whole concept of the agent model is Mr. Big processor can’t be the best friend with every single small business owner. It is just not what they’re equipped for. They can’t service these small businesses at the level they need. These small business owners are working it out. They’re just barely making it all the times and they need that hands-on experience. And I think when an agent does that, it’s like the right thing to do is maybe use it as an opportunity to walk into, I mean, my opinion is like, Hey, walk into the store and say, did you know you’re not compliant? Rather than try to let me penalize you and get you in trouble, it’s let me make you compliant, lemme help you out and I’m going to earn your business that way. I think that’s maybe a more valid answer. There’s a right way to do it. It’s like there’s nothing wrong with seeing stores. Thing is we’re all in the payments business, but we’re here to service the small businesses. And I think that’s super important is how do we make the small, because if we shift our mindset from residuals to how to make the small business owner happy, kind of follows a lot of times.

Leo Arzumanyan (14:21):

No, definitely.

Mahdi Hussein (14:21):

And I think that’s an important thing is how do we get these, use it as an opportunity to grow your portfolio, but also like, Hey, let’s get these

Leo Arzumanyan (14:29):

Educate and I mean like we said, if you’re compliant upfront, you’re going to save yourself a lot of time and money down the

Mahdi Hussein (14:35):

Road and it’s going to continue to evolve. I think that’s the biggest headache right now. It’s still kind of shifting, but what I think we can say is five years ago, I think everyone had that in their head as, it can’t get worse than this. Worse, this is the end goal. I think everyone had some semblance in their head that the dual pricing two sticker model was going to be the end goal maybe four or five years ago, and I think it always was the end game and it’s just been a time shift and it finally kind of got there and it’s like, okay, we’re here, but it’s also the same time. Where else is it? It go, I mean dual pricing that the concept is very established. It is not going anywhere. There’s no way to defend it legally, and I’m not sure most people know this, but it’s basically freedom of speech.

Leo Arzumanyan (15:22):

Yeah,

Mahdi Hussein (15:22):

You’re right. It’s basically part of the constitution

Leo Arzumanyan (15:24):

Expression. Yeah, you’re expressing, yeah, and

Mahdi Hussein (15:27):

It, it’s something so full circle because reason we were so big on dual pricing early on was gas stations. They were the first to do dual pricing a decade ago, and they were the first one to get the wave on from Visa. Visa is comfortable. That’s to be the proof there, right? Visa is comfortable and does not non-compliance gas stations that are doing two price models, as long as displaying it at the pump, displaying it at the signage, you’re aware, but when was the last time in your portfolio? Have you seen a dual pricing issue come up from a gas station at the pump?

Leo Arzumanyan (16:03):

I would imagine very rarely, if at

Mahdi Hussein (16:04):

All. I’ve never seen it.

Jeremy Stock  (16:06):

It’s the example that everyone’s actually aware of. They didn’t even know it. It’s just become common

Leo Arzumanyan (16:10):

Place, don’t know, but you just see it every time you go to the gas station and it’s so prominent, right? You see it in big LED numbers, right? Like cash credit.

Mahdi Hussein (16:18):

Well, visa, what I’m saying is Visa has seen that for a decade

Leo Arzumanyan (16:25):

And

Mahdi Hussein (16:25):

Had any issues and they haven’t gone after it, which to me implies that whether they say it or not, it’s the right way.

Jeremy Stock  (16:35):

It’s implied that that’s compliant,

Mahdi Hussein (16:37):

Right? No one’s in trouble for

Leo Arzumanyan (16:39):

It. Yeah. Marty, I think to close us out, I have two things that I want to ask you. AI has becoming a huge talking point in every industry, so one question would be, how do you see AI implicating your business and payments industry as a whole? And then to close it off, let our listeners know exactly what you do, where they can find you, what regions you service, and we’ll go from there.

Mahdi Hussein (17:09):

Yeah. We actually already implemented and launched an AI module. We use it for multiple things in our point of sale platform where we use it for inventory. We actually can read invoices and use AI and analyze and read inventory. We use it for even when they create products, we can instantly, a lot of these small businesses don’t have a proper menu or price book. We can ingest that perfectly. Just using the AI to using LLMs. We use the same LLMs out there and we integrated

Leo Arzumanyan (17:37):

Catch bt, grog, Gemini, et cetera.

Mahdi Hussein (17:40):

Yeah. I mean, open AI chat is probably the most popular and it works great. We use it and it is able to, in the platform, auto price, I want to say auto price, auto name, auto categorize, and we use it for things like that. I think that’s a huge use case. I think now going to the payments industry, I mean, I know Vamp was one big topic, but the other big topic was the L three, the level three card data stuff. Visa has been big on cracking down on no more filler data, but AI could bridge that. There’s a business idea for somebody use AI to take the receipt and properly translate that to L three.

Leo Arzumanyan (18:23):

I think underwriting is also getting a ton of AI usage.

Mahdi Hussein (18:26):

We’re getting it in ours.

Leo Arzumanyan (18:27):

Yeah, because I’ve been hearing a lot about that. AI is assisting with underwriting in a big way.

Mahdi Hussein (18:31):

Website monitoring.

Leo Arzumanyan (18:32):

Website monitoring. Yeah, absolutely. Fraud. I mean everything. It is crazy how it’s just really implicating every industry, including ours.

Jeremy Stock  (18:40):

Yeah. I’m curious, Marty, you mentioned using it already. Have you guys run into any trouble, any problems with AI that come to mind?

Mahdi Hussein (18:48):

Delusion. Yeah,

Leo Arzumanyan (18:50):

Hallucination.

Mahdi Hussein (18:50):

Hallucination is the proper AI term, but it gets a little de Lulu, right? Best way to put it is AI will think like, Hey, you asked me for this, right? Here it is, and it tells you something that was not what you

Leo Arzumanyan (19:02):

Asked for. Non-existent. It makes things up. Yeah.

Mahdi Hussein (19:04):

Or it’ll just tell you something wrong and it just make sense. So you have to,

Leo Arzumanyan (19:07):

They’ll say it so confidently too.

Mahdi Hussein (19:08):

Yeah, it’s like a professional gaslight. It’ll just gaslight you into thinking this is the right answer. And I think it’s important to have the guardrails and have the, if you don’t know what you’re dealing with, I think people rely on AI as like a crutch. You have to use it as a tool, and if you let it do the work for you, I’m sure you’ve had AI contracts come your way. You’re like,

Leo Arzumanyan (19:31):

Oh yeah, no, lemme just bring this up real quick. We had a client hit us up. He emailed me and Chris, Hey guys, I drafted this agreement with ai, just want to run it by you guys. We took it from a one and a half page agreement to 11 pages. It was missing so many industry standard terms and so many things that the AI just didn’t pick up on, and the drafter our client didn’t know that he needs to pick up on. So like you said, it’s good as a tool, but if you don’t know, if you’re not already going into whatever task, you’re assigning it with the requisite knowledge, you’re just going to rely on something that it outputs and it’ll make it sound smart, but it can really screw over your business if you’re relying on it without understanding the actual truth. So I think it’s good. I think it’s really good for people who already have a strong knowledge base of whatever material they’re working with, but if you’re going in, let’s say I go in there using it to work on a physics problem. I don’t know anything about physics, so if I’m just going to rely on what it tells me, it might be completely wrong. I don’t know. You know what I mean? So that’s kind of where you have to really have the right guardrails, the right training and knowledge.

Jeremy Stock  (20:34):

I remember you had mentioned that that client had thought, Hey guys, just give this a quick gloss. He was like this, it’s basically a written

Leo Arzumanyan (20:43):

Contract. He said it’ll take like five minutes, turned into multiple hour, drafting a whole new agreement for them.

Mahdi Hussein (20:47):

Yeah, no, and I think that’s a huge thing. People just need to learn how to use it and it’s a tool. It’s not the answer.

Leo Arzumanyan (20:56):

Yeah, exactly. And then what about our other point? I want the listeners to know how you can service them, where you can service them, where they can reach you.

Mahdi Hussein (21:04):

So we’re a POS full service POS company. We do everything. We have our own loyalty platform, our own POS hardware software. We offer payments as well, but we also are very ISO friendly and we allow you to bring your own payments. We won’t touch your accounts as the industry term is processor agnostic and we’re, but yeah, we’re a PUS company that’s really big in the C-store, liquor smoke world. That’s really what we really shine the best, but we do quick service and we kind of do it all, but we really, to us the dream, we’re launching pay at the pump actually next month, so we’ll have a full pay at the pump point of sale as well. We actually can control pumps and take credit cards outside.

Leo Arzumanyan (21:46):

Yeah, the guys are killing the game.

Mahdi Hussein (21:48):

Yeah, that is. That’s great.

Leo Arzumanyan (21:50):

What part of the country are you servicing? Is it We’re all over the US Nationwide.

Mahdi Hussein (21:52):

Yeah, we’re nationwide.

Leo Arzumanyan (21:54):

Okay. Are any plans to expand beyond the us?

Mahdi Hussein (21:56):

We did our Canada registration, so we are in Canada now, so we do US Canada. That’s why I brought

Leo Arzumanyan (22:00):

That up. I know,

Mahdi Hussein (22:01):

I already know. That’s good. We are US and Canada, our PUS services both fully, so yeah.

Jeremy Stock  (22:06):

Cool.

Leo Arzumanyan (22:06):

Yeah, so no, that was great.

Jeremy Stock  (22:08):

It was really, really great. Marty was a really pleasure having you here. I actually want to ask a quick question. Just the future 2026, as you guys are looking ahead, is there anything that’s kind of in the forecast for Supersonic POS in terms of what you guys are beginning to plan for or anything of that nature? The pump, I would imagine?

Mahdi Hussein (22:29):

Yeah. I mean, pay at the pump we’re launching, it’s done. We have some agent, so we launch our own e-commerce, so we’re getting into agent commerce and agent AI from that part of the world, so that’s

Jeremy Stock  (22:40):

Very cool.

Mahdi Hussein (22:40):

Being able to have your econ, we have a full e-commerce solution that a store can instantly go online with, and we’ve been working very detailed and as we do some FSP stuff that we’ve been going through is being able to do tobacco online and some of those things and carbon registrations and doing it properly, but taking driver license and scanning it during delivery and doing the full, we have the whole, we work with large tobacco. We do scan data today. We’re a tier four provider, so we do basically full loyalty platforms on our app. We are integrated with big tobacco as well, so we can do that. Yeah, we’re looking to go become a full FSP. We’re doing our e-comm product coming out. We paid the pump, and I think what’s going to be really exciting is we start looking ahead. Just the future of everywhere Payments is going there.

Leo Arzumanyan (23:33):

What I took from that, Jeremy, is a lot of work for us. Absolutely. You’re going to

Jeremy Stock  (23:37):

Keep Leo very, very busy. I can see. Yeah. That’s great. Well, thank you for listening this long to the Payments Experts podcast, a podcast of global legal law firm. We’ve had the real pleasure of having Hussein joining us from Supersonic POS Ma. It was really great having you here. Really quick for the last audience, where do you want them to find you? How can they find you?

Mahdi Hussein (23:59):

Supersonic pos.com. You can also email us, even myself@supersonicus.com vm. Okay.

Jeremy Stock  (24:06):

Actually, you want to give out your cell phone number, social security, please.

Mahdi Hussein (24:11):

I’m sure someone

Jeremy Stock  (24:11):

Has it. Alright, excellent. We will see you on the next one, Leo, as always, thank you very much as well. It was a wonderful podcast. Thank you. Thank you. Cool, man. Awesome. Thanks. Hey, really great work guys. That was great. I know, probably longer. No, that’s good. Thank you for listening to this episode of the Payments Experts podcast, a podcast of global legal law firm. Visit us online today at global legal law firm.com. Matters discussed are all opinions and do not constitute legal advice. All events or likeness to real people and events is a coincidence.