Sep 14, 2026 · 1 hr 12 min · 13 segments
Hidden fees don’t feel painful until you add them up, then you realize you’ve been funding someone else’s profit with your own margins. We sit down with PJ Gallagher, owner of Reliable Payments, to…
So initially straight shout out for you guys.
And those guys are taking your lunch when it comes to processing payments.
And I want to say in the first year that I use you guys, I want to say I saved between somewhere between 10 to 20 K.
It was something insane.
Um, and it's amazing the amount of people we talk to who are like, yeah, I've got a person or I've got a company.
Send us a statement.
Let's take
look.
And you know, some of the people's reaction are such in disbelief that they think that we're there.
And it's like, no, you've just been with somebody for 10 years and they constantly raise the rates on you and all this other stuff.
Um, And it's surprising the amount of money that folks pay credit card processing they don't recognize.
And then with the advent of the industry rules allowing surcharging now, you know, you see it more and more when it goes in place and you pay with a credit card and there's a 3% fee at the bottom.
You know, businesses, when I first got in the industry, I think it was 65% of all transactions.
Nowadays, that number is 85% to 90% of transactions are credit card, meaning businesses have absorbed that 3% to just get their money.
And the sales pitch was, hey, it's 3%, but you're getting your money overnight, as opposed to 7 to 14 days.
So initially straight shout out for you guys.
And those guys are taking your lunch when it comes to processing payments.
And I want to say in the first year that I use you guys, I want to say I saved between somewhere between 10 to 20 K.
It was something insane.
Um, and it's amazing the amount of people we talk to who are like, yeah, I've got a person or I've got a company.
Send us a statement.
Let's take
look.
And you know, some of the people's reaction are such in disbelief that they think that we're there.
And it's like, no, you've just been with somebody for 10 years and they constantly raise the rates on you and all this other stuff.
Um, And it's surprising the amount of money that folks pay credit card processing they don't recognize.
And then with the advent of the industry rules allowing surcharging now, you know, you see it more and more when it goes in place and you pay with a credit card and there's a 3% fee at the bottom.
You know, businesses, when I first got in the industry, I think it was 65% of all transactions.
Nowadays, that number is 85% to 90% of transactions are credit card, meaning businesses have absorbed that 3% to just get their money.
And the sales pitch was, hey, it's 3%, but you're getting your money overnight, as opposed to 7 to 14 days.
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