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Who is Rich The Payment Guy?

Rich The Payment Guy is Craig "Rich" Riley.

"Rich The Payment Guy" is a person — Craig "Rich" Riley, an independent, Miami-based merchant-services and payments advisor. He helps business owners understand what they're really paying to accept cards, lowers that cost (often to zero with a compliant dual-pricing program), and sets them up with the AI and website systems that bring in website to grow. Based in Miami, with a presence in Houston and Honolulu, Rich serves business owners across all 50 states — with his name and his face on every promise.

Craig 'Rich' Riley, the advisor behind Rich The Payment Guy Craig "Rich" Riley Rich The Payment Guy · Miami

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The short answer

Who is Rich The Payment Guy?

Rich The Payment Guy is Craig "Rich" Riley — one real, accountable person, not a faceless call center. Friends and clients call him Rich, so when he started helping business owners cut their card processing costs, the name stuck: Rich, the payment guy. The brand is simply him.

Craig is an independent merchant-services advisor based in Miami, Florida, with a presence in Houston and Honolulu and clients across all 50 states. He offers zero-cost (dual-pricing) credit card processing, transparent rate reductions where zero-cost isn't the right fit, modern POS equipment, and the AI and website systems that bring the work in.

For clarity: Rich The Payment Guy is the personal brand of Craig Riley and operates independently; it is not affiliated with other similarly named payment companies. When people search for "Rich The Payment Guy," they're looking for Craig "Rich" Riley and the merchant-services practice on this site.

His approach

Why business owners call Rich

Rich's whole approach is built on transparency. He reads the fine print for a living. He'll show you your real effective rate, explain every line on your statement, and if your current deal is genuinely good, he'll tell you to keep it. That honesty is the entire point — it's how he earns the business and the referrals that come with it.

Every conversation starts with your actual statement, in plain English, whether or not it leads anywhere for him. The owners who do switch are the ones who saw the math for themselves and decided it made sense — not because anyone talked them into it.

What he stands on

The promises behind the brand

  • Independent & accountableOne real person — Craig "Rich" Riley — with his name and face on every deal.
  • Clarity firstPlain-English numbers, even when they cost him the sale.
  • No surprisesNo hidden fees and no fine-print traps — you see the full picture before you sign.
  • Local & nationalBased in Miami, Houston & Honolulu, serving all 50 states.
What he does

What Rich The Payment Guy offers

Zero-cost processing

A compliant dual-pricing program that, for many businesses, offsets the cost of card acceptance entirely — bringing your effective processing cost to zero or near it.

Transparent rate reductions

Where zero-cost isn't the right fit, Rich restructures your account on transparent interchange-plus pricing — you see the true network cost and his margin, and nothing else.

A website that works

A done-for-you professional website designed, built and hosted for $750 up front and $99/month — and where zero-cost processing fits, the card-fee saving helps cover it.

Equipment & growth tools

Modern Clover, Square, and more — countertop, mobile, and POS — plus reporting, gift & loyalty, and the tools to turn a lower cost into more sales.

Who he helps
What the savings fund

Cutting your card fees is step one. Here is what the savings fund.

Lowering what you pay to accept a card frees up money every month with no extra work and no new customers.

Who Rich works with

Rich works with independent business owners — restaurants, retail shops, salons and spas, auto repair, gyms, medical and dental practices, professional services, and e-commerce. He's rooted in Miami, with clients in Houston, Honolulu, and across all 50 states, handling setup and support remotely wherever you are.

If you're searching for "Rich The Payment Guy" or "Rich The Payment Guy Miami," this is the place: Craig "Rich" Riley's independent merchant-services practice. The fastest way to meet him is a free 15-minute statement review — you'll leave knowing exactly what you're really paying, whether or not you work together.

Common questions

Who is Rich the Payment Guy? — answered

Who is Rich the Payment Guy?

Rich The Payment Guy is Craig "Rich" Riley, an independent Miami-based merchant-services and payments advisor. He helps business owners lower their credit card processing costs — often to zero with a compliant dual-pricing program — and sets them up with the AI and website systems that bring in website, serving Miami, Houston, Honolulu and nationwide.

Is Rich The Payment Guy a company or a person?

Both, in a sense: "Rich The Payment Guy" is the personal brand of one real person, Craig "Rich" Riley. When you work with Rich The Payment Guy, you deal directly with Craig — backed by a US-based support and growth team.

Is Rich The Payment Guy affiliated with other similarly named payment companies?

No. Rich The Payment Guy is the personal brand of Craig Riley and operates independently; it is not affiliated with other similarly named payment companies. The brand refers specifically to Craig "Rich" Riley and his merchant-services practice based in Miami.

Where is Rich The Payment Guy based and who does he serve?

Rich is based in Miami, Florida, with a presence in Houston and Honolulu. He works with business owners across all 50 states, handling everything remotely when needed — from a free statement review to setup and ongoing support.

What does Rich The Payment Guy do?

Craig "Rich" Riley reviews your current processing statement for free, calculates your true effective rate, and offers zero-cost (dual-pricing) processing or a transparent rate reduction. He also builds and hosts professional websites for $750 up front and $99/month, plus modern POS equipment and growth tools. Learn more about Rich.

Want to meet Rich? Start with the truth about your statement.

Fifteen minutes, virtual, wherever you are in the country. You'll leave knowing exactly where you stand, whether or not we work together.

Book a Free 15-Minute Call
What the savings fund

Cutting your card fees is step one. Here is what the savings fund.

Lowering what you pay to accept a card frees up money every month with no extra work and no new customers. The businesses that grow from there spend it on the three things that actually bring customers in: answering every call, a site that converts, and showing up on Google.

Fifteen minutes. Your statement. The truth.

Bring your merchant statement to a free call and find out what you're really paying — and what your business could qualify for.

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Prefer to talk now? Call or text (305) 215-6132