Bradley O. Cebeci has focused his practice on the payments industry for more than 20 years. He represents merchants and payments companies when funds are withheld, residual payments stop, fees are disputed, or access to payment processing is restricted. He has recovered tens of millions of dollars in withheld merchant funds, often before litigation.

Brad represents clients in individual and class actions over payment-industry fees and residual payments. His class work includes claims challenging standardized fees imposed by acquiring banks and their service providers. His payments work also includes a Texas residual-payments case that resulted in a $16.2 million jury verdict for a sales agent.

Brad also represents payments and e-commerce businesses in FTC investigations and enforcement actions involving payment processing. He responds to Civil Investigative Demands and has defended individuals in cases involving asset freezes and receiverships.

He advises payments and e-commerce clients on Visa and Mastercard rules and federal and California consumer-protection laws. He also drafts and negotiates the agreements governing relationships among acquiring banks, ISOs, payment facilitators, sales agents, and merchants.

Brad is admitted to practice in California and its state and federal courts and represents clients nationwide in coordination with local counsel. He is a member of the Electronic Transactions Association’s Banking and Compliance Committees and the Association of Payment Professionals. Brad earned his J.D. from UCLA School of Law and his B.A. with honors in Literary Theory from the University of Pennsylvania. He is fluent in Spanish.