VIRTUAL Lunch and Learn:
Beyond Processing Fees: Implementing Effective Surcharge Programs

Ryan Soto
SVP and Head of Corporate Merchant Sales
PNC

Webinar Details

Date and Time:

Wednesday, December 10, 2025 from noon ET

Duration:

Sixty (60) Minutes

This webinar is open to members and non-members. This session is complimentary to members as a benefit of PAFP membership. The $35.00 registration fee for non-members is waived for this program.

Session Description

This session explores the practical, legal, and operational considerations of implementing a merchant surcharge program. Attendees will learn the differences between surcharging, cash discounting, convenience fees, and service fees, and how each impacts payment acceptance and business strategy. The presentation will cover compliance requirements, prohibited states, card brand rules, and disclosure obligations, as well as technology and operational readiness. Real-world case studies will illustrate the financial and customer impacts of surcharging, helping participants evaluate whether this strategy is right for their organization. The session is designed to equip treasury professionals with the knowledge to make informed decisions about offsetting processing fees and managing customer experience.

Speaker Bio

Ryan Soto

Ryan Soto is Senior Vice President and Head of C&IB Merchant Services Sales at PNC, where Ryan leads new merchant sales strategies for the Corporate and Institutional Banking portfolio. Since joining PNC in 2016, Ryan has held key roles, including Vice President of Integrated Payments, and has been instrumental in driving growth and innovation across the organization.

With 20 years of experience in banking and finance, Ryan began their career at Fifth Third Bank through the Management Trainee Program, gaining exposure to multiple divisions before focusing on Private Banking. In 2010, Ryan transitioned into merchant services, taking on leadership positions at First Data, most recently serving as Regional Director. This diverse background has equipped Ryan with a deep understanding of payment solutions and industry trends.

Ryan holds a Bachelor of Science in Mathematics from the University of South Florida and is recognized for a collaborative leadership style and commitment to delivering value for clients.