I'm Craig "Rich" Riley — they call me Rich for a reason. I install the AI growth system for local businesses: an assistant that answers your phone around the clock, texts back every missed call, chats with your website visitors, and puts the booking on your calendar. Then the website, the reviews, and the follow-up that keep it full. One person handling all of it, with clear answers and honest numbers — and I can usually cut your card processing bill to help pay for it.
Illustrative example of how missed-call text-back and the AI assistant work together. What actually happens depends on how you set the messages up and how the caller responds — but the call gets answered either way, which is the part that matters.
Five parts. You do not need all five to start — most people start with the phone, because that is where the money is already leaking. Every price is on this page; nothing here is a bundle you have to swallow whole.
Picks up 24/7, answers common questions in your words, takes the details.
$249/moEvery unanswered call gets a text back within seconds, from your number.
$99/moAnswers website visitors and texts around the clock, captures the lead.
$149/moBookings land on your calendar; text reminders go out before the slot.
Included with the receptionist or assistantA new inquiry gets a reply immediately instead of tomorrow morning.
Included with the assistantA site that takes bookings and orders, not a brochure nobody reads.
Custom, mobile-first, written to turn visitors into calls and bookings.
$750 up front + $99/moYour own high-volume ordering system, so the commission stays with you.
$2,000 up front + $149/moSelling products rather than taking bookings, on your own processing.
Quoted to your catalogHosting, SSL, backups and any change you need, on a site you already have.
$99/moGet found when they search, then look like the obvious choice.
Claimed, filled out properly, posted to, and kept accurate.
$99/moRanked for what nearby customers actually type, on search and the map.
$399/moThe heavier program for competitive areas where the map pack is a fight.
$699/moReview requests go out automatically; replies drafted for you.
$149/moEight posts a month across your channels, planned and scheduled.
$499/moHalf a day at your place shooting the real work. Ten to fifteen edited clips.
$750 onceEight edited vertical clips cut for phone screens.
$400 onceA proper logo and a consistent set of colors and type to use everywhere.
$500 onceMeta and Google campaigns built and managed. Ad spend billed separately.
$500/mo + ad spendLocal Services Ads set up and managed. Lead costs billed separately.
$300/mo + leadsOne place to see every lead, and follow-up that runs without you.
Calls, leads, reviews and bookings in one branded app.
$99/moWritten, scheduled and sent to your list. The list stays yours.
$199/moA campaign back into people who already paid you once.
$299/moAutomated referral asks at the moment a customer is happiest.
$149/moRouting, tagging and multi-step sequences wired to how you actually run.
$199/moFour plans that bundle the services above. Every plan runs on your branded Growth Dashboard — calls, reviews, leads and bookings in one place. Cancel-friendly, no long lock-ins.
For the business that needs to look good online and stop leaking leads.
What's includedFor the business that needs the phone to ring more than it does.
What's includedFor the business ready to grow with content, reviews and real follow-up.
What's includedFor the business that wants the whole system run for them.
What's includedMost owners who want to grow end up stitching together a reviews tool, an answering service, a social agency, a CRM and an email platform. Done with the name brands, here is what that typically runs.
| What you want | The name-brand way | Typical / mo |
|---|---|---|
| Website + local SEO | Agency build (amortized) + monthly SEO | $1,000+ |
| Reviews & reputation | Dedicated reputation software + AI replies | ~$500 |
| Answer every call 24/7 | Answering service (60 calls) | ~$530 |
| Social media + content | Mid-tier social agency | ~$2,000 |
| CRM + automation | Enterprise all-in-one platform | $300–$890 |
| Email & SMS | Email/SMS platform (~5k contacts) | ~$120 |
| Total — five or six vendors, logins & invoices | ≈ $4,400–$5,000+ | |
| Rich The Payment Guy — Dominate, one partner | $2,997 / mo | |
Comparison costs are typical market ranges shown for illustration, not quotes. What you would actually pay each vendor varies by provider, plan and volume.
That table above is what the work costs. This is the part that helps pay for it. Card processing was the original job, and cutting it is still the cheapest money in the building — kept deliberately small here, because the detail belongs on its own page.
I read your current merchant statement line by line and show you what each fee actually is. No charge, no obligation.
A compliant dual-pricing program, or a straight honest reduction on transparent pricing.
Clover, Square, Valor, PAX, Dejavoo and more — matched to how you actually take payment.
Slide to your monthly card sales. Most merchants pay 3–4% all-in — I can typically place you at 1.5–1.9%, or offset it to near $0 with a compliant zero-cost program. That difference is what pays for the system above.
Illustrative — your exact figure comes from your statement, free. How zero-cost works →
Get my exact numberMost agencies sell you one piece and leave you to wire it together. Most merchant reps only sell you a rate. I install the system that answers your phone, brings the work in, and keeps track of it — and I am the one person you call when any of it needs changing.
An AI receptionist picks up around the clock, every missed call gets a text back within seconds, and the web chat handles visitors while you work. The lead stays warm instead of calling the next name on the list.
Website, Google listing, reviews, social, CRM, and the card processing underneath it. One number to call when something needs changing, and no vendor blaming the other one.
This is the part nobody else can do. I read your merchant statement free, strip the padding, and where it fits, move you to a compliant zero-cost program. That saving goes straight into the system that brings work in.
Not a call center, not a middleman, and not five vendors blaming each other. You get one number to call for the AI, the website, the marketing and the card processing underneath it.
Every business takes payments differently. I match the right processing setup and equipment to how your industry actually operates — whether you're plating dinners or booking appointments.
Tableside, kiosks, kitchen displays, and tip handling built for service speed.
Fast checkout, inventory, and countertop or mobile POS that scales with you.
Appointment-friendly payments, tips, and rebooking for chairs and suites.
Higher-ticket sales, invoicing, and on-site card acceptance in the bay.
Clean, compliant payments and predictable pricing for practices.
Invoicing, recurring billing, and e-commerce via API for service firms.
Integrate payments into your site or platform with developer-friendly APIs.
EBT, high-volume counters, and dependable hardware for everyday retail.
Cutting your card fees is just the start. I also get your business in front of customers — starting with the top of Google, where the calls come from.
Claimed, optimized, and kept active — the biggest local ranking factor.
A steady flow of 5-star reviews that lifts your rating and your ranking.
Service & city pages and citations so you rank for "near me" searches.
A done-for-you push into the Map Pack — Visible ranking progress in 90 days — or I keep working at no extra cost.
No pressure, no jargon. Here's exactly what happens when you reach out — most owners are surprised how simple it is.
I'm Craig “Rich” Riley. My name and my face are on every deal I do — a merchant services insider who gets your processing cost down, often to zero, and sets you up with the right equipment and growth tools. One person, honest numbers, real answers.
More about Rich →Most processing gets sold by a rep you never hear from again, working off a rate sheet built to confuse. Here's the honest contrast.
| A typical processor | Working with me | |
|---|---|---|
| Who you reach | A call center and a rotating cast of reps | Me — the same person, every time |
| Your statement | Built to obscure what you really pay | Walked through line by line, in plain English |
| Pricing | Padded tiers and creeping junk fees | Zero-cost or a transparent, honest rate |
| Equipment & tools | Whatever earns them the most | The right fit for how your business runs |
| After you sign | You're on your own | I stay your point of contact for support |
| The pitch | Lock you into a long contract | If your current deal is good, I'll tell you |
Most merchant statements are written to be confusing. Once you know what to look for, you can read yours with confidence — and I'm happy to walk through all three with you, free.
The rate you were quoted usually applies to only a slice of your transactions — the rest can fall into higher pricing tiers. The number that actually matters is your effective rate: total fees divided by total volume. I'll calculate yours in minutes so you know exactly where you stand.
The tools you run on directly affect how much you sell. Self-ordering kiosks lift average ticket, kitchen displays speed up service, and the right POS turns checkout into insight. I can get you any equipment your business needs to grow.
Statements often include PCI, statement, batch, "regulatory," and annual fees. Some reflect real costs; many don't. On a transparent account you see the true network cost and my margin — nothing hidden, so you always know what you're paying for.
The more you understand about processing and your statement, the better every decision you make — with me or anyone else. That's why I put real education front and center.
The leads you already paid for, going to whoever picks up next.
Learn → LESSON 02The listing most local customers judge you on before the website.
Learn → LESSON 03Find your real effective rate and the line items that actually matter.
Learn → LESSON 04What it really means, how dual-pricing works, and the rules that keep it compliant.
Learn →In Miami, Houston, or Honolulu — restaurants, retail, salons, auto, medical, professional services. I sit down with you at your counter to talk payments and growth, and my social media team comes on-site to film your business for content. Local, hands-on, face to face.
Book My Free CallAnywhere in the U.S. — over a quick screen-share I'll review your statement and map out the website, Google ranking, and marketing that would grow your business. The same done-for-you service, delivered remotely.
Book My Free Zoom CallYou get my direct, personal attention from the first call — and behind me, dedicated US-based teams for everything from a payment question at 2am to your next marketing campaign. The personal touch of one local guy, with the muscle of a real support and growth operation.
The person who reviews your statement is the same person who answers when you call later. Real accountability, with my name on it.
Behind me is a dedicated, US-based support team available around the clock for anything to do with your processing — real people, fast answers, never an overseas call center.
Need a campaign, a shoot, or help with your site or ranking? My specialized marketing & growth team handles it — experts on call, all under one roof.
If your current deal is already good, I'll tell you to keep it. The honesty is the whole point — it's how I earn referrals.
I set you up on proven, industry-leading technology — backed by a direct relationship with the Fiserv (First Data) network through US Card Solutions.
Straight answers to what comes up most. Have one I didn't cover? Bring it to a free call.
I install the AI growth system for local businesses: a 24/7 AI receptionist that answers the calls you miss, missed-call text-back, AI web chat, websites and online ordering apps, a reviews and local-search engine, and a CRM that keeps track of every lead. I also read merchant statements and can usually lower what you pay to accept cards — that saving often helps fund the rest.
It answers around the clock — after hours, weekends, and when you are already on another call. It answers common questions in your own words, takes the caller's details, and passes the message straight to you. Missed-call text-back sends a text from your number within seconds of any unanswered call, so the lead stays with you instead of going to whoever picks up next. The receptionist is $249/mo; missed-call text-back is $99/mo.
$750 up front to design and build it, then $99 a month covering hosting, security, backups and ongoing edits. For restaurants, a website plus your own high-volume online ordering app is $2,000 up front and $149 a month. The ordering system is a web app that installs to a phone home screen — not a native App Store app.
No. Everything is priced on its own and you can buy any of it without moving your processing. If I do read your statement and manage to cut your card fees, that saving usually covers most of the monthly on the rest — but it is never a condition.
It means the cost of accepting cards is structured so it no longer comes out of your margin — through a compliant dual-pricing or surcharge program, where card-paying customers cover the small acceptance fee and cash customers get the lower price. Where that's not the right fit, I'll show you a transparent rate reduction instead. Either way, you see the real numbers before anything changes.
Yes — completely free, with no obligation. You send me your current merchant statement, I break down your true effective rate and which fees are padding, and you walk away knowing exactly what you pay. If your current deal is already good, I'll tell you so.
Yes — switching to a zero-cost program means new equipment, and I provide it. I set you up with the right Clover, Square, Valor, PAX, or Dejavoo device for how your business runs — set up and ready as part of getting started, whatever type and however many stations you need.
Yes, when it's done correctly. These programs are governed by card-brand rules and state law — there are caps, signage, and disclosure requirements, and a few states with specific restrictions. That's exactly why setup matters, and why I handle it within the proper framework rather than leaving you exposed.
Restaurants, retail, salons, auto, medical, professional services, e-commerce, convenience — small to large, in person and online. I'm based in Miami, Houston & Honolulu and serve businesses across all 50 states. If you take card payments, there's a setup that fits.
Most merchants are live within days of approval. The free review takes about 15 minutes, and from there I handle the setup and stay your point of contact for support afterward.
Tell me how leads reach you today and where they go cold. I'll show you which part of the system would move the needle first — and what it would cost. If your setup is already working, I'll tell you that instead.
Prefer to talk first? Call or text (305) 215-6132 · Want the card-fee side? Send a statement and I'll read it free.