Card-not present merchants present a huge opportunity for selling surcharging, and Stax is making a play to better serve this market through its recent acquisition of leading surcharging solution provider CardX. CardX CEO Jonathan Razi and Stax Co-Founder Sal Rehmetullah join James and Patti this week to discuss how ISOs and agents can build their books offering surcharging to CNP verticals. Plus James explains why cash discounting and surcharging adoption will surge with CNP merchants in 2022, and Patti reports on how the Feds are moving to rein in big tech’s consumer payments activities.