E#43: In this episode, I sit down solo to break down the world of payment processing with a behind-the-scenes look at PJ’s business. We dive into why 80–85% of small and medium-sized business revenue now comes through credit and debit cards, and what that really costs owners — roughly 3% per transaction. From interchange fees to integration with QuickBooks, NetSuite, and other systems, we cover the tech, the process, and the real-world considerations every business owner should know.But it’s not all numbers. PJ shares how his approach to service sets his business apart from the big, impersonal processors — quick response times, real human support, and building trust with clients. We also talk about his ownership approach to financial decision-making, balancing budgets with gut feel, taking risks, and how he navigates growth and staffing in a rapidly changing environment. Finally, we touch on the role of silent partners, what makes a partnership work (or fail), and lessons learned from growing a business from the ground up. Book Recommendation: Radical CandorPodcast Recommendation: All In PodcastFind out more about PJ Gallagher: www.reliablepayments.com https://www.linkedin.com/in/patrick-gallagher-eta-cpp-2830ab1/Find more episodes on Apple podcast, Spotify, Amazon Music and here: https://budgetyourbusinesspodcast.buzzsprout.com/Send us a text

Ver todos los episodios