Business Owner: Payment Processing 101: How PJ Gallagher Owns and Runs a Successful Payments Business

Budget Your Business · Nov 13, 2025 · 39m · transcript

E#43: In this episode, I sit down solo to break down the world of payment processing with a behind-the-scenes look at PJ’s business. We dive into why 80–85% of small and medium-sized business revenue now comes through credit and debit cards, and what that really costs owners — roughly 3% per transaction. From interchange fees to integration with QuickBooks, NetSuite, and other systems, we cover the tech, the process, and the real-world considerations every business owner should know.

But it’s not all numbers. PJ shares how his approach to service sets his business apart from the big…