As Business Owners, We Spend a Lot of Time Looking for Ways to Grow
We invest in advertising. We hire new employees. We purchase equipment. We upgrade technology. We improve our buildings. We launch new products.
Growth takes money.
And most of us are constantly asking the same question:
“Where can I find the capital to take the next step?”
Here’s a question I don’t hear nearly enough:
“What if some of that money is already flowing through your business every single day?”
The Expense Most Business Owners Simply Accept
Every business owner knows payment processing costs money.
It’s been accepted as just another cost of doing business.
Rent. Payroll. Insurance. Utilities. Credit card processing.
Month after month, those dollars leave the business without much thought.
But I’ve always believed we should challenge assumptions.
Just because something has always been done one way doesn’t mean it’s the best way.
That’s one of the reasons we created Profit Share Processing.
Looking at Payment Processing a Different Way
Most processors have one objective:
Process your transactions.
Some help lower your costs.
Some help you eliminate processing expenses altogether through pricing programs.
Those are all good things.
But we started asking a different question:
“What if payment processing could actually contribute to a business’s growth?”
Instead of simply reducing an expense…
What if it became another source of opportunity?
That’s the idea behind Profit Share Processing.
Imagine This…
Imagine finishing the month and, instead of only receiving your processing statement…
You also received money back.
Not because of points.
Not because of a promotion.
Because your payment program was designed to reward your business.
Through our Profit Share Processing program, qualifying merchants can receive up to 10% of their processing fees back.
Some owners reinvest it.
Some use it for employee appreciation.
Some purchase equipment.
Some put it toward marketing.
Others choose something I personally love…
They donate it to a local nonprofit or charity that means something to them.
I love that because business has always been about more than profit.
It should strengthen communities too.
Small Dollars Become Big Opportunities
A few hundred dollars a month may not seem life-changing.
Until you look at it over time.
A business receiving $300 back each month puts more than $3,600 back into the business each year.
That’s new uniforms.
A website redesign.
A new laptop.
Additional advertising.
A seasonal employee.
Training.
Small improvements that often create even more growth.
Growth isn’t always about one huge investment.
Sometimes it’s about consistently finding ways to keep more of what you’ve already earned.
Why We Believe in Multiple Solutions Under One Roof
Profit Share Processing is just one example of something we think the industry gets backwards.
Many providers specialize in one thing.
One processor.
One POS system.
One product.
And if your business needs something outside of that…
You’re sent somewhere else.
I’ve never loved that model.
As your business grows, your needs grow too.
Maybe today you’re looking at payment processing.
Six months from now, you may need payroll.
Next year, you may need a new point-of-sale system.
Then business funding.
Marketing support.
Website improvements.
Additional software integrations.
Wouldn’t it be easier if your trusted partner could help you navigate all of those conversations?
We Built Paybility Around Relationships—Not Transactions
Our Merchant-First philosophy has never been about selling the most products.
It’s about solving the most problems.
Sometimes that means helping a merchant lower processing costs.
Sometimes it’s recommending a better POS system.
Sometimes it’s helping them access capital so they can open another location.
Sometimes it’s streamlining payroll so they spend less time on administrative work.
The common thread isn’t the product.
It’s the relationship.
If we can become a trusted resource for the businesses we serve, everybody wins.
Why Merchant-First Matters
People often ask where the Merchant-First philosophy came from.
The answer surprises them.
It came from baseball.
More specifically…
The Savannah Bananas.
I became fascinated by how they built their organization around one simple idea:
Fans First.
Every decision begins with one question:
“What’s best for the fan?”
That philosophy transformed an entire organization.
It made me wonder…
What would happen if a payment company asked:
“What’s best for the merchant?”
Not…
“How do we make the most money?”
Not…
“How do we sell more products?”
Just…
“What’s best for the business owner?”
That question has guided almost every decision we’ve made at Paybility.
From transparent pricing.
To stable rates.
To multiple technology options.
To Profit Share Processing.
To building a company that puts relationships ahead of transactions.
Ironically, when you consistently put people first…
The business usually follows.
One Simple Question
If you’re evaluating your current processor, here’s the question I’d encourage you to ask:
“Beyond processing my payments… how are you helping my business grow?”
If the answer starts and ends with processing transactions…
There may be more opportunity than you realize.
Because the right partner shouldn’t simply collect your payments.
They should help you build a better business.
Final Thoughts
Every dollar your business earns has a purpose.
Some keep the lights on.
Some pay your employees.
Some help you invest in your future.
If there’s an opportunity to turn an existing expense into something that contributes to your growth, I think it’s worth exploring.
At Paybility, that’s exactly what we’re trying to do.
Not just process payments.
Help businesses grow.
One relationship at a time.
Because that’s what Merchant-First has always meant to us.
Till next month…
Will Hall
CEO | Paybility Financial