PEP Episode 045 — Crypto Bros Need Payment Pros | Bitcoin Future in Payments with Derrick Hess of Zero Point

Introduction

The world of payments is rapidly evolving, yet cryptocurrency remains largely trapped in investment portfolios rather than being used for everyday transactions. Derrick Hess of Zero Point, a veteran ISO with decades in the payments industry, believes this is about to change—and payment professionals will be the catalysts.

Cryptocurrency offers two game-changing benefits that could revolutionize merchant services: substantially lower transaction costs (around 1% compared to the 2-3%+ charged by traditional payment networks) and complete elimination of chargebacks. For high-risk merchants especially, these advantages could be transformative. What’s missing isn’t consumer adoption—millions already hold crypto in wallets like Coinbase—but rather the payment infrastructure that connects these wallets to merchant checkouts.

Hess envisions a future where customers simply scan a QR code at checkout, select their preferred cryptocurrency, and complete transactions that instantly convert to stablecoins like USDC, eliminating volatility concerns for merchants. This technology exists, but implementing it requires payment professionals who understand both the crypto ecosystem and real-world merchant needs.

The urgency for ISOs to embrace this evolution is heightened by another industry trend: integrated software vendors (ISVs) increasingly dominating the payments landscape. As Hess notes, “If you don’t have a vertical software, you’re running out of time.” The traditional ISO who could once sell to nearly every business on Main Street now finds their addressable market shrinking dramatically as vertical-specific software bundles payments processing.

Despite the crypto market cap reaching approximately $2.7 trillion and projections of $10 trillion within 4-5 years, traditional financial institutions remain hesitant to fully engage. This creates an opportunity for payment professionals to position themselves as bridges between Web2 and Web3, bringing cryptocurrency payment solutions to merchants eager for lower fees and chargeback protection.

Whether you’re crypto-curious or crypto-skeptical, this episode offers valuable insights into how blockchain technology is poised to transform the payments industry. Connect with Derrick Hess on LinkedIn or visit zeropointus.com to continue the conversation about the future of payments.

James Huber (00:00):

Cash out.

Derrick Hess (00:01):

Coinbase. Coinbase. Good Go. Coinbase has made a fantastic on-ramp and off-ramp. It connects with my Chase Bank account. No problem. I load 50 grand on an instant, I mean instant on the Coinbase

James Huber (00:14):

Right

Derrick Hess (00:14):

Away. And then I can transfer it right back to Chase Banking or any major bank because they have the, I think they use Plaid or one of those anyway. It’s like the on-ramp, off-ramp deal. And it’s super, I mean, it’s super quick. They have that figured out. That’s

James Huber (00:34):

But it’s running. It’s just running on the A CH rails, right?

Derrick Hess (00:36):

Yep.

James Huber (00:37):

Yeah. So the banks aren’t going away, but I’m going, why haven’t the banks, I guess banks don’t hold your stocks necessarily unless you’re JP Morgan, which does, but I’m surprised that they’re not in the business of holding people’s Bitcoin and it doesn’t seem like they’ve even considered it.

Jeremy Stock (01:01):

Welcome to the Payments Experts podcast, a podcast of global legal law firm. We hope you enjoy this episode today. We’re really excited in studio joining us managing partner of the firm, James Huber, as well as joining us remotely. We have Derek Hess of Zero Point. Derek, welcome to the Payments Experts podcast.

James Huber (01:28):

Hey, thanks. Appreciate you guys having me. Yeah, I’m excited. You came on the are you commented on one of our other podcasts where I was like, crypto is dead. I sold all my crypto and you responded basically an F you James, not dead. I love crypto. You can get on podcast and set the record straight. And so we want to talk about that. But before we get into it, tell us a little bit about yourself. What are you doing these days? Well,

Derrick Hess (01:59):

Traditional retail iso, like so many of us out there are, that’s what I’ve cut my teeth on and can’t get away from it, but that’s the basis for the future. But yeah, so we’re a retail iso retail restaurant, all the normal things you do sell Clover, that sort of deal. But my main company you guys had helped me out with to do an exit on actually. And so now I have zero point, which was that I have actually a patent on trademark patent. Not an actual patent, but a trademark on Zero Point. That was a fun process. And so now that’s specifically what I’m doing with Zero Point poised for the Future, which I do believe is crypto. But for the meantime, what pays the bills is the retail ISO side of things.

James Huber (03:00):

Okay, so you sold your book of business and then you’re like, I’m done, I’m done. And then you got roped back in. How’d that come? How’d you end up starting it back up? Or were you doing it to cover your earnouts and stuff?

Derrick Hess (03:13):

Right. Well, this is the thing. You have to have income. I’m young, younger, we’re not young anymore, but I’m young enough to where I don’t have to exit the workforce. I guess we should say. It’s like, hey, for the last 20 years, what have I known as payments? Where can you go? And especially with cash discount, everyone knows this. If you’re halfway decent at it, I mean, you can walk into your local restaurant and have a five minute conversation and make three grand a month. So where can you do that in any other business? I haven’t found that yet. And that’s actually how I got into payments was because I was looking for something that I wanted to do. This is 22 years ago. I’m saying, what do I want to do with my life? I’ll give you a quick story. So I was selling Yellow Pages, remember the phone book? So I was selling yellow pages for Bell South since I’m in Louisiana selling, selling

James Huber (04:21):

The ads,

Derrick Hess (04:22):

Ads in

James Huber (04:23):

The phone book. So they just drop that stuff on your

Derrick Hess (04:26):

Right. Well, selling the ads in the phone book and then I’d rip it and I came across,

James Huber (04:31):

That’s it.

Jeremy Stock (04:31):

Derek James is too young to remember what Yellow Pages are.

James Huber (04:35):

I remember what the yellow pages were. I remember Randy Macho man, Savage ripping ’em in half.

Derrick Hess (04:42):

I remember that too. So I ran across a retail iso and he was explaining to me what in the world they do. I’m trying to sell it as ads, so what is your average customer worth? The whole sales pitch. And I’m like, wait, so I can go into a business and sell ’em this credit card machine and I will just get paid indefinitely on it as long as they use the service. And this was just blew me away. And I mean, this is 2003, 2004. And so I thought about it and I quit my job at Yellow Pages, which was benefits and everything and the whole nine yards, first corporate job and set out feet on the street to sell merchant services, not knowing anything. So the rest, I beat the statistical odds, that’s for sure. Because here I am still in the business. Right,

James Huber (05:41):

Right. Yeah, I mean, I talked about this on a couple podcasts now of as the ISO model dead, is it going to survive? What do you think

Derrick Hess (05:50):

It has to evolve? Everyone knows that the ISVs are becoming payments companies. I tell this story when I got in the business, and I think everyone can relate. You can go up Main Street and sell eight to nine out of 10 of the businesses would actually be a potential client or use your service. And now if you walk up and down Main Street to maybe two out of 10 can use your services, vertical software integrations, point of sale, the vertical markets really have done it. Your veterinary clinics using a veterinary software, a dog grooming or whatever is using their own software. Restaurant is still a market. If you’re good enough, you can rip out their full point of sale system. But for the other industries, gyms, they’re using a gym management system. You get it. So ISVs are becoming the payments company.

Speaker 4 (06:46):

So

Derrick Hess (06:46):

If you’re an ISO and you don’t have a vertical software to offer, our time is ticking. So that’s my thought on what the future is. So take that as it, and that’s one of the reasons why I did somewhat of an exit of the industry was to I’m hedging my bets.

James Huber (07:08):

Yeah, yeah. It’s like too bad you didn’t stick with the Yellow Pages, right?

Derrick Hess (07:15):

Hey, I definitely got off that ship. They tried online advertising. It just never, they were day late in a dollar short, even though they hadn’t, see that’s a good one, because they had the money, the New Orleans phone book, what I sold was doing $60 million annual volume just in ads in the phone book. And this is 2003. Why couldn’t they take that money and import it into online and advertise and et cetera. They just were too big, too slow to make a transition. And I feel like the ISO world is in that same market. I mean, you have First Data and Tesis Unlimited resources. What are they doing?

Speaker 4 (08:00):

What

Derrick Hess (08:00):

Are they doing? Even come up with a point of sale. Clover had to, I mean, first data had to buy clover. The service is fantastic with Clover. So what’s the future here? That’s the future. If you don’t have a vertical software running out of time, and the next frontier is definitely crypto into payments. So

James Huber (08:35):

Why is that? So I brought up the other day, I heard it on the radio on NPR of somebody going, crypto’s been around longer than Uber, longer than WhatsApp. Nobody’s using it.

Derrick Hess (08:50):

Yeah, because it’s historically something for the crypto bros or the degens, as they call it, the gamblers out there.

Derrick Hess (08:59):

But where else could you use buy an asset crypto asset that fluctuates in value generally historically to the positive? Like Bitcoin for example? We’ll just use Bitcoin. Everyone knows Bitcoin. Bitcoin has outperformed every single with the s and p, it’s outperformed gold since its inception by thousands of percent. And year over year, I think it’s still well over a hundred percent gains, even though it is volatile as heck. And Bitcoin’s a slow mover. I have assets in my portfolio that will make you sick. You open it up and you’re down 60% and then you close it and two days later you’re up 60%. So it’s wild. But you have to have the stomach miserable, right? And so what I’m saying is it’s historically been used for the younger generation that wants to gamble, but big institutions are getting involved Bitcoin with Michael Sailor who owns Micro Strategies. He’s on the, I think is it the s and p 100 or the NASDAQ 100, whatever the one is. If you buy into that index, you are buying Bitcoin whether you want to or not. And that is, that’s bringing mainstream in.

James Huber (10:29):

Yeah. I mean, BlackRock got their ETF, right?

Speaker 4 (10:34):

Right.

James Huber (10:34):

Yeah. But I’m going, when are people going to use it other than, or is the use just, I’m going to gamble and give myself a heart attack and make myself miserable as I sell at the wrong time?

Derrick Hess (10:46):

Well, it’s used on, I would say the backend channels. The channels that we in the mainstream don’t use if you’re on the crypto Twitter aspect or X, people will use it for everything. I mean, you want to buy a high-end watch in Miami, you can use crypto. The problem is there’s not an easy access for merchants to use it. People want to use it. I mean, I don’t know if you remember, we’ll give an example. Let’s say Apple Pay with the tap of the credit card, right? Yeah. How long did it take for you to actually use that service? The machines were there. People were there, but it took me, I’m going to be honest, it took me a long time to realize, wait, I can just tap my car. I thought it was dumb, but you can just tap it and

James Huber (11:40):

Now it’s the norm.

Derrick Hess (11:41):

That’s the norm now. And then people are like, if I don’t have Apple Pay, I can’t use the young folks, the girls and stuff that don’t wear purses. They just have a phone around their neck. That’s everything,

James Huber (11:52):

Right? Yeah. Saw the airport, A couple airports are saying you can use a digital id. Now you seen that you can put your, because yeah, you just have your phone, don’t lose your phone,

Jeremy Stock (12:03):

Right? Yeah,

James Huber (12:06):

Yeah. No. So you think will, do you think there’ll be any meaningful adoption across the board? I mean, I don’t think you’re going to get most people who are over 50 right now to ever want to use it, but they’re all going to die. I mean, we’re all going to die, but they’re not going to die apparently for a long, long time. Now I they’re saying if you can live another 30 years, you’re going to live another 50.

Derrick Hess (12:35):

That’s true. I can tell you there are things that’s happening. Coinbase is a very large company out in your guys on the west coast. They’re doing things to bring in normal people. Like my mom for instance, she downloaded the Coinbase app and it’s like, learn about crypto and you get $5 of this token or whatever. And she’s like, look, telling me I have $70 just from taking learning what crypto is. So there’s big companies that are looking to bring in normal, I mean, she’s 60 something, bring in normal people. But to answer your question specifically, it’s not adopted because merchants do not have a way to accept

Speaker 4 (13:28):

It.

Derrick Hess (13:29):

And onboarding crypto for you, if you wanted to say, if we just walked on somebody across the street and said, Hey, buy Bitcoin. They’re like, I don’t know how to do that.

Derrick Hess (13:43):

That’ss been the hard part. So that’s why you have these crypto wallets that are taken, and then there’s a million different wallets. So I think the future is going to be a single point of payment, meaning scan this QR code or tap your phone and it’s going to work with every wallet, whatever it is, it’s going to instantly convert it. Merchants is going to convert it to USDC, right? So they have a stable coin instantly at the point of transaction. I think you guys are talking about stable coins and something last podcast. That’s what had me interested, switch it instantly to USDC, hit a merchant’s bank account. They’re happy, no volatility and cheaper than the payments network. So Visa and MasterCard, as we know, man, look, every April and October come up with modifications. It’s never a reduction in cost. It’s a modifications of max extraction, right? Right. So that’s where I am. A bit of a rant. Sorry about that

James Huber (14:50):

Passion. It’s interesting because sharing a view that I hear less and less and less, I was all into crypto. Jeremy and I were going nuts, going, my wife started a metaverse company. We’re going, let’s go help people buy this real estate. Because when that was all going nuts, I tried to do it and I was like, I can’t figure this out. And I figured out how to do it. I was like, how do I know this is good real estate? And so I couldn’t do it. And there was people, and we called a company that was doing this and they go, we can’t even keep up with our demand. We’re constantly hiring virtual brokers. This is crazy. And it was going nuts. But then all of a sudden, I mean I haven’t even heard somebody say, I mean, you say Metaverse,

Derrick Hess (15:38):

Metaverse fell off. So did NFTs digital art

Jeremy Stock (15:42):

Gone Gone? No one talks about,

Derrick Hess (15:45):

Now I will say there’s still some NFTs that are awesome, like Bored Ape Yacht Club. I mean, those guys are still selling minimum $26,000 for a picture of an ape up to a million dollars. One just came out the other day. This is ridiculous. It’s a wizard, like this neon wizard. It’s $32,000. And I’m saying I

James Huber (16:07):

Need that.

Derrick Hess (16:08):

If you had an extra $32,000, you’re going to buy a JPEG picture of a neon wizard. That’s cartoon looked like a five-year-old drew.

James Huber (16:17):

I didn’t understand the art aspect of it, but I did from a technology standpoint, I was going all in on NFTs of my

Derrick Hess (16:26):

Real world assets.

James Huber (16:27):

The deed to my house should be an NFT. Your intellectual property should be embedded in that. All of these things. It’s interesting because that just, I don’t hear it at all. I think

Derrick Hess (16:41):

It’s not done. The real world asset part in fractional ownership is something that is definitely part of their, say us three guys, we wanted to get together and buy a Van Gogh painting, or we can’t afford a Van Gogh. So what we’ll do is we’ll own one 60th or whatever of that Van Gogh, the NFT is our token that we own a piece of it. It’s embedded in a blockchain. No one can refute that. And as that piece of art increases in value, so does our, that’s the cool part of the blockchain and real world assets. It’s locked in public record. Anyone can research it now. It’s anonymous unless you say, Hey, this contract address is what I own and you can prove it, but for the most part it’s still anonymous.

James Huber (17:38):

Okay. Are people still using that? Is that a real thing? People are using NFTs to record their ownership in

Derrick Hess (17:45):

Things. All of that is theoretical. I haven’t seen any real world applications of it, but it does exist right now. The NFTs is more of the novelty, I think of art to help digital art. That is to help people understand the concept of it as normal guys. That’s the crazy part. They call it Web3. Have you heard the term Web3?

Jeremy Stock (18:13):

They’ve been talking about Web3 for five years at least.

Derrick Hess (18:17):

So that’s what Web3 is, everything, crypto, everything decentralized. No Chase Bank where it’s private, everything on chain as they call on chain is viewable in every way. Now there’s good and bad. I don’t want to get into the privacy aspect of it, but it’s kind of cool because we can see how much Bitcoin, how much the government owns of different assets. Where if you ask the government, how much gold do you have in Fort Knox? They’ll never tell you. They’ll never

James Huber (18:55):

Tell you. I don’t think they have any. Yeah, can they get rid of it all? I

Jeremy Stock (18:58):

Think so. That’s the rumor.

James Huber (19:01):

Jeremy one time sent his money to the wrong place. He went and found it on the blockchain. Yeah. Wow. Yeah, Derek, it

Jeremy Stock (19:09):

Literally, I think it took me 14 hours of frantic. I learned a lot about crypto in that 14 hours, but it was amazing. It was 16 bucks. Yeah, exactly. But I did. I found it. I found it, and I was able to retrieve it, which was pretty amazing to me. So you’re right, it is. It’s there. It’s real. And that level, it is safe. It’s a real contract. And I was able to track it down, but again, who has 14 hours if something like that happens, right?

James Huber (19:35):

Jeremy does. It’s not like he has a job.

Derrick Hess (19:38):

Well, hey, if

James Huber (19:39):

You drop after

Derrick Hess (19:39):

This, I did that on company time on the ground and someone picked it up, good luck.

James Huber (19:44):

Right,

Derrick Hess (19:45):

Right.

James Huber (19:45):

Yeah. No, I mean I was all for it. I am still going. I just don’t see people using it mainstream. And it’s not going to be like the kids with their phones where they don’t even bring their wallet. And if you don’t take Apple Pay, I’m not going there. I mean, everywhere does for the most part. Now everywhere I go,

Derrick Hess (20:11):

So this is the thing. You have Venmo, PayPal, cash app, all these apps that pretty much everyone under 30 has on their phone already. The ramp is there for crypto. So you can buy crypto with all of those different wallets. What’s missing is payment devices go into Starbucks or your local place that’s running a clover system or a Shift four system or whatever it is that has that option. Scan the QR code. So on the receipts we have on Clover and Shift four and all these other ones, scan your QR code receipt and pay right then and there. You don’t have to wait for your server. So if you could scan that QR code and it brings up a link like, okay, how do you want to pay your Visa, MasterCard or Ethereum, Solana, Bitcoin, whatever it is, you hit it, boom, and it interacts with your wallet.

Derrick Hess (21:10):

The future is whatever’s on your phone, whatever wallet you choose to use is going to be accepted. That’s watch. That’s the future in my opinion. And there has to be a bridge between web two, which is what we live in, like real world and Web3, which is the future. The bridge is going to have to be mass adoption and Web3. These crypto bros don’t understand real world. So it’s going to take the payments industry, and this is where I think it is, it’s going to take the payments industry, US ISOs and agents and all of that, just like we did in the fifties and sixties. That’s why the banks hired whatever. So it’s going to take us to bring that to market, and that’s I think the future of ISOs and agents is bringing a future. We’re really good at that. We’re really good at convincing merchants to use cash discount, which was the biggest, what do you call it? Psych in the world where we convinced them to raise their prices so we could make more money. That was epic. But this I think will be reversed because crypto, we’re going to lower the merchant’s prices. Honestly, we really will because wholesale costs are in the one percentage range instead of two three plus and still make the same margin. That’s my optimistic macro view of crypto.

James Huber (22:44):

And another way to do it, I think, and sales guy, but is if you’re going to the customer and you’re going, you said at the beginning, everybody’s doing surcharge and cash discounting. If you go to the customer, Hey, it’s actually cheaper if you use crypto. No one’s going to use cash to take advantage of the cash discount. We all want our rewards points and all that, but if you’re going, Hey, going to cost you six bucks for this purchase, a hundred dollars purchase or one, then you’re going, oh, I’m going to use my crypto because Coinbase even has a rewards card.

Derrick Hess (23:28):

They do no chargebacks too. Well, crypto’s reward. Coinbase is still using the payment networks, unfortunately,

James Huber (23:35):

Right? I got one, it had a little Visa logo on it, and

Derrick Hess (23:39):

I was like,

James Huber (23:40):

Me and my motley crew of friends ready to get rid of the banks and everything, I was like, darn, our mission failed. This sold out,

Derrick Hess (23:49):

But no chargebacks too. So hey, look for a high risk, I think this is going to be something for high risk as well, since you can convert it to USDC, as long as it’s not federally illegal, you can transfer it over to USDC and there’s no chargebacks, so you want to buy a mattress online or something wild that there’s a ton of chargebacks as a merchant

Jeremy Stock (24:15):

Is reading between the lines here, guys, something along the lines of Visa and MasterCard haven’t figured out to get their piece of the pie yet, and they don’t want to a disruptor, so that’s why it hasn’t been mass adopted. Is there any truth to that?

James Huber (24:29):

I don’t think so. I think because Visa has said outright that Visa and Wells Fargo, they’re going, we’re not worried about crypto. And the one thing that I’ve said before is if crypto captured 3% of the market, it would be an unparalleled success. It would be amazing. Now, to your point though, in 1955, less than 1% of the world had a credit card, way less 1960, probably still less than 1%. I think maybe it started getting closer to that, but now every single person in the world, not in the world, every person, most people in the United States have at least a card.

Derrick Hess (25:12):

Yes.

James Huber (25:13):

So it’s possible, but my thing is you can’t really get rid of the banks and you can’t get rid of Visa and MasterCard. How do I get my money into crypto? Unless I’m paying Jeremy in crypto. I think you actually asked me to do that one time. You are like, can you pay my wages in Bitcoin? He’s like, this is how I’m committed.

Jeremy Stock (25:35):

That’s how committed, it’s true, Derek. We did have that conversation, and thank God, thank God. James talked me out of it.

Derrick Hess (25:42):

You said you’ve been with him for half a decade here. If you would’ve been paid in Bitcoin five years ago, dude, I think you’d be all right.

James Huber (25:49):

I would’ve sold it at the point dip each time,

Derrick Hess (25:57):

Pinned it at the bottom. Banks don’t play a part. Visa, MasterCard, they’re not afraid yet, but right now, the market cap of crypto is like 2.7 trillion, I believe dollars. That’s your world, the full market cap, but they think it’s going to hit 10 trillion in four or five years, so that’s a three x. So I believe that’s going to be the case for sure.

James Huber (26:27):

I’m surprised the banks haven’t gotten in the game a little bit because the big players are Coinbase and Binance. I don’t even know if anyone uses Binance anymore. I think you kind of,

Jeremy Stock (26:36):

In the uk it’s still big in the uk. It’s big in

James Huber (26:38):

The Asian country. Binance overseas. Well here, because basically they’re shut down here. I had trouble getting my money out, even not that much trouble, but you couldn’t just trade it for cash anymore. You had to send it somewhere else to cash out.

Derrick Hess (26:52):

Coinbase. Coinbase could go. Coin has made a fantastic on-ramp, and it connects with my Chase bank account problem. I could load 50 grand on an instant, I mean instant on the Coinbase

James Huber (27:05):

Right

Derrick Hess (27:06):

Away, and then I can transfer it right back to Chase banking or any major bank because they have, I think they use Plaid or one of those anyway, it’s like the on-ramp, off-ramp deal and super. I mean, it’s super quick. They have that figured out,

James Huber (27:25):

But it’s just running on the Aach H rails, right?

Derrick Hess (27:28):

Yep.

James Huber (27:28):

Yeah, so the banks aren’t going away, but I’m going, why haven’t the banks, I guess banks don’t hold your stocks necessarily unless you’re JP Morgan, which does, but I’m surprised that they’re not in the business of holding people’s Bitcoin, and it doesn’t seem like they’ve even considered it.

Derrick Hess (27:51):

No, I went to my JP Morgan rep, chase rep, finance advisor guy, and he’s a young guy under 30, and no, he doesn’t want to hear about anything digital assets. They are drinking the Kool-Aid a hundred percent, but I’m saying, okay, but what are you doing? He is, no, that’s their stance at the moment. But if you’re going to be buying these ETFs and that’s in Chase,

James Huber (28:23):

And to your point, they’re publicly traded, so yeah, everybody who has a diversified portfolio has some of those index funds. So yeah, you’re already in.

Derrick Hess (28:33):

Yes, yes. That’s the magic with BlackRock and all these ETFs that are coming about, Hey, if it wasn’t something that was going to be the future, why would any of these huge BlackRock, Kathy Wood, with her ARC investments, she’s really big. All these crazy future people that are investing in Tesla, Bitcoin, why?

James Huber (28:59):

I’m just thinking. They just don’t want to miss out. They were missing out. There was a ton of money going into it, especially starting in the beginning of the pandemic. That’s when things really went nuts, and they’re going, well, we’re missing out. We need a piece of that action. We’re not going to let you guys do that over there. Well, it’s interesting. You’ve convinced me. I’m going to go cash back in what

Derrick Hess (29:24):

You started, Derek, ill, if you started something here, send me a text. I’ll give you my top 10. Not financial advice, but that I really feel, as they say, I’m really bullish on. I really feel like there’s there. So

James Huber (29:41):

Yeah, I had those too. And I finally, or no, it was, we were trying to buy a house and the amount that I needed was the exact amount that I had in crypto assets, and I was like, it’s a sign. Just cash out. And so I did, and my life has been so much more peaceful,

Jeremy Stock (30:02):

Derek for a while. I’m not joking. James would come in pretty much every day, and not to mention texts at night, but saying, Hey, did you see what happened to Solana? Did you buy in on this one? And half of ’em, I hadn’t even heard of James buying everything point. Most of

James Huber (30:16):

Them went to zero. Yep. Well,

Derrick Hess (30:18):

Yeah, yeah, yeah. Well, hey, at least it was slower than a roulette wheel where it’s just zero or double or zero at least you have infinite, but all good guys.

James Huber (30:32):

Yeah. Alright, well thanks for coming on. You got any closing thoughts for us? How can people get in touch with you for your financial advice? Just kidding.

Derrick Hess (30:38):

Yeah, not financial advice. Hey, I’m on LinkedIn. Derek Hess on LinkedIn. Zero point us.com is our iso. We still run small ISO shop, nothing too crazy, but I’m always open for these kinds of discussions if you just want to shoot the breeze.

James Huber (31:00):

Alright, great. This has been great. Thanks for

Derrick Hess (31:02):

Coming.

Jeremy Stock (31:02):

Thanks so much, Derek.

James Huber (31:04):

You take care.

Jeremy Stock (31:05):

And thank you for listening to the Payments Experts podcast, a podcast of Global Legal Law firm. We’ll see you on the next one. 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.