Surcharging can help businesses offset payment processing costs, but getting it wrong can put your business at risk for card brand violations, customer complaints and financial penalties.
We’ll help merchants understand:
• A compliant surcharge program
• Common surcharge mistakes and misconceptions
• How to reduce risk and liability
Hancock Whitney
Merchant Services Sales Leader
With more than 25 years in banking and payments, Brad Simmons is a trusted expert in merchant risk management. Drawing on leadership experience with TSYS, First National Bank of Omaha, and Hancock Whitney, he helps businesses ensure surcharge compliance, reduce chargebacks, mitigate fraud, and avoid costly liability through proven payment industry best practices.
94 Eglin Parkway
Fort Walton Beach FL, 32548
(630) 333-7542
Brad.simmons@hancockwhitney.com
Hancock Whitney
Lead Payment Risk Analyst
Jose brings more than 15 years of banking and payments experience, including a decade with Hancock Whitney and five years with Capital One Merchant Services. He is a seasoned professional in merchant services risk management, with expertise in mitigating chargebacks, disputes, fraud and merchant liability. His diverse background in risk analysis, account management and banking positions him to help businesses protect revenue, strengthen operational controls and manage risk effectively.
100 I-45 North, Suite 600
Conroe, TX. 77301
(832) 605-1297
Jose.Monarrez@hancockwhitney.com
Hancock Whitney
Vice President, Merchant Services; Lead Payment Risk Analyst
With more than 18 years of experience in merchant services and payment risk management, Kevin Garrett is a trusted professional in credit underwriting, transaction monitoring, chargeback management, fraud mitigation, and Card Brand compliance. Kevin has extensive expertise in interchange pricing, payment risk analysis, and regulatory compliance, helping businesses identify and reduce financial exposure while optimizing portfolio performance. His deep industry knowledge and practical approach enable merchants to navigate complex payment challenges, strengthen operational controls, and support long-term business growth.
Conroe/Greater Houston Area
(936) 236-5021
kevin.garrett@hancockwhitney.com
This webinar is provided for educational and informational purposes only. The information presented should not be construed as legal, regulatory, compliance, accounting, tax, or professional advice. Participants should consult with their own legal, compliance, tax, or other professional advisors regarding their specific circumstances and applicable requirements.
Topics discussed may include card brand rules, payment processing practices, surcharge compliance requirements, chargeback management, fraud prevention strategies, and risk mitigation considerations. Rules, regulations, and industry requirements may change over time and may vary based on merchant type, payment processor, card network, and jurisdiction.
Any examples, scenarios, or recommendations presented are illustrative in nature and are not guarantees of future outcomes or reductions in financial losses, fraud, disputes, penalties, or chargebacks. Individual results may vary.
References to third-party products, services, technologies, vendors, card networks, or regulatory frameworks are provided solely for informational purposes and do not constitute endorsement by Hancock Whitney Bank.
© Hancock Whitney. All rights reserved.
09/26 1722500
