I'm Craig "Rich" Riley — they call me Rich for a reason. I get your credit card processing cost down, often to zero with a compliant program or a steep, honest reduction. Then I set you up with the right equipment and tools to run smarter and sell more. One person handling all of it, with clear answers and honest numbers.
Illustrative example. By stripping padded add-on fees and moving you to transparent pricing — or a compliant zero-cost (dual-pricing) program — your monthly cost can drop dramatically, often toward zero. Your actual numbers depend on your business and volume.
A professional website, your own domain, hosting and upkeep — $0 setup, $0 monthly, ever. Funded by switching you to zero-cost processing. The easiest yes in small business.
Get my free website →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 zero-cost.
Illustrative — your exact figure comes from your statement, free. How zero-cost works →
Get my exact numberMost merchant reps can only do one thing: sell you a rate. I do more — I lower your processing cost, get you approved when others say no, and set you up with the equipment and tools to grow. Processing and the technology to run it all, handled by one person who has your back.
For many businesses, I can eliminate the processing bill entirely with a transparent, compliant program — and where that’s not the fit, a steep, honest reduction.
Our own underwriting team means we approve businesses most providers decline — at more competitive rates.
Lowering your cost is the start. The right equipment, reporting, and customer tools turn every transaction into a chance to sell more and run smarter.
Not a call center, not a middleman. A direct full-service provider relationship on the Fiserv network — with the approvals and technology to back it up.
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 progress in 90 days or I keep working.
Lowering your card costs is the foundation. Then I put that savings to work with the services that actually bring customers in — pick any one à la carte, or bundle them. All run for you.
A free professional site, hosted and set up to be found.
Climb the local Map Pack, where the calls come from.
Reviews, ads, email & SMS that fill your calendar.
My team shoots and posts real content for you.
24/7 receptionist, missed-call text-back & automations.
Bundle for value, or build your own plan.
No pressure, no jargon. Here's exactly what happens when you reach out — most owners are surprised how simple it is.
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.
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.
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.
Bring your merchant statement to a free call and find out what you're really paying — and what your business could qualify for.
Book My Free 15-Minute Review Prefer to talk first? Call or text (808) 396-0150