I'm a merchant services insider who believes business owners deserve to actually understand what they're paying. So I built something straightforward: transparent processing, real approvals, and the equipment, marketing, and growth tools to actually grow — with my name and my face on every promise, and a dedicated US-based team behind me.
Craig "Rich" Riley
Founder · Rich The Payment Guy
Almost every business owner I meet finds their statement confusing — unsure what their real rate is, what the fees mean, or whether they could be doing better. Payments shouldn't feel like that. My job is to make it clear.
My whole approach is built on transparency. I read the fine print for a living. I'll show you your real effective rate, explain every line on your statement, and if your current deal is actually good, I'll tell you to keep it. That honesty is the entire point — it's how I earn the business and the referrals that come with it.
What lets me deliver more than most is the structure behind the business: we operate as a direct full-service provider on the Fiserv (First Data) network through US Card Solutions, with our own in-house underwriting team. That's rare — and it's why I can take your cost to zero, approve businesses others decline, and back it with modern equipment and real support.
I came up in this industry the way most people do — selling rates. And the longer I did it, the more it bothered me how the business actually works. Statements are built to obscure, not inform. Reps get trained to talk fast past the parts that matter. Owners sign up, get busy running their business, and never look closely again. Meanwhile the fees creep.
I didn't want to be one more person doing that to people. So I changed how I operate: every conversation starts with your actual statement, in plain English, whether or not it leads anywhere for me. Some people I meet already have a good deal — I tell them so and send them on their way. That's by design. The owners who do switch are the ones who saw the math for themselves and decided it made sense, not because I talked them into anything.
The growth side came out of the same frustration from a different angle. I kept meeting solid business owners paying too much and running on outdated equipment, with no one showing them how modern tools — better POS, real reporting, loyalty programs — could actually lift their sales. So I made that part of the job too: not just a lower rate, but the setup to help the business grow.
Operating as a direct full-service provider on the Fiserv (First Data) network through US Card Solutions means fewer middlemen and pricing room most providers simply can't access.
Our own underwriting team can approve businesses other providers decline — across industries and sizes — and offer more competitive rates while doing it.
Modern POS, reporting, gift & loyalty, and fast deposits come with the setup — the technology to grow, not just a lower bill.
Clover, Square, Valor, PAX, Dejavoo, Verifone, Ingenico, and more — countertop, mobile, kiosk, and iPad/tablet POS, plus e-commerce via API. Any business type, any size, any channel, handled by one person.
You get me directly, every time. But behind me is the support and the talent to handle anything your business needs, day or night.
A dedicated, US-based support team is on call around the clock for anything to do with your processing or equipment — real people, fast answers, never an overseas queue.
Websites, Google ranking, social media, ads, and AI — my marketing & growth team are specialists in each, so your campaigns are run by experts, not dabblers.
You still deal with me. I coordinate the teams behind the scenes, so you get the muscle of an agency with the accountability of one local partner.
I meet Miami, Houston & Honolulu owners in person and my team films on-site locally — and we serve businesses across all 50 states remotely.
Fifteen minutes, in person in Miami, Houston & Honolulu or on Zoom anywhere. You'll leave knowing exactly where you stand, whether or not we work together.
Book a Free 15-Minute CallBring 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