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Shawn Lally on Payment Processing Pitfalls and Cash Flow

December 29, 2025 by John Ray

North Fulton Business Radio

Shawn Lally on Payment Processing Pitfalls and Cash Flow

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Shawn Lally, BizPayPros, on Avoiding Payment Processing Scams and Improving Business Cash Flow (North Fulton Business Radio, Episode 928)

On this episode of North Fulton Business Radio, host John Ray welcomes Shawn Lally, Founder and CEO of BizPayPros. Shawn brings over 21 years of experience in the payment processing industry, helping businesses learn about the complicated world of merchant services, lending solutions, and spend management.

Shawn shares how nefarious practices like exploitative equipment leasing and hidden rate increases plague the payment processing industry. He explains why business owners often pay thousands of dollars for terminals worth only a few hundred and how processors use fine print to raise rates without warning. Shawn discusses the risks of auto-approval processors like Stripe, the importance of choosing software that offers payment processing flexibility, and why local, independent service matters. He also covers BizPayPros’ cash flow and working capital solutions for businesses struggling with accounts receivable and introduces spend management tools that can save hours of daily reconciliation work.

John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and is recorded inside Renasant Bank in Alpharetta.

Key Takeaways from This Episode

Equipment leasing scams can cost business owners over $10,000 for terminals that should cost a few hundred dollars, with automatic charges continuing indefinitely after the lease term ends.
Payment processors often bury clauses in contracts allowing them to raise rates at any time, making decisions in boardrooms based on algorithms that calculate acceptable customer loss versus revenue gains.
Processors that auto-approve accounts without proper underwriting may place holds on funds or shut down businesses unexpectedly when risk profiles don’t align with their portfolio requirements.
Payment processing integration with practice management software saved one medical office 2-3 hours daily in reconciliation work, demonstrating that choosing the right processor goes far beyond just saving money on transaction fees.

Topics Discussed in this Episode

00:20 John Ray introduces the show and guest Shawn Lally
02:11 Shawn Lally introduces BizPayPros and how it helps businesses with cash flow
02:59 Shawn’s background and career journey into payment processing
03:01 Starting in the restaurant industry as a busboy and managing partner
04:10 Why nefarious players exist in the payment processing industry
05:21 Restaurant industry experience with payment processing and crash kits
07:41 The importance of local, independent service
07:51 Common deceptive practices in payment processing
08:10 Equipment leasing scams and exploitative contracts
12:01 How to identify trustworthy payment processors
14:25 Choosing payment processing software and avoiding being pigeonholed
15:25 QuickBooks, PayPal, and payment processing integrations
16:08 Auto-approval risks with processors like Stripe
18:40 BizPayPros as an independent broker model
20:39 Cash flow and working capital solutions
21:43 Lending solutions for businesses with accounts receivable issues
24:21 Overcoming inertia to make beneficial changes
26:40 Spend management solutions with virtual and physical cards
29:09 Success story: medical practice saving 2-3 hours daily
31:50 Contact information for BizPayPros

Shawn Lally, Founder/CEO

Shawn Lally is an entrepreneur, payments industry veteran, and strategic advisor with over 20 years of experience helping businesses grow through smarter payment processing, business lending, and financial technology solutions. He is the Owner & CEO of BizPayPros, a B2B-focused merchant services and advisory firm built on transparency, speed, and real-world expertise.

Throughout his career, Shawn has worked across acquiring, processing, ISO channels, and alternative lending, giving him a deep understanding of how financial systems impact business owners at every stage of growth. He specializes in helping clients who need flexible solutions, whether they are navigating complex risk profiles, seeking fast access to capital, or integrating modern payment and POS technologies to improve cash flow and reduce operational friction.

Known for prioritizing relationships, Shawn collaborates closely with business owners, referral partners, and agents across the country to develop solutions that are tailored to their specific operational needs, rather than relying on generic financial products. Through BizPayPros, he has helped numerous businesses unlock working capital, streamline payments, and scale with confidence.

Beyond business, Shawn is passionate about mentorship, personal development, and giving back through his initiative “Payments With A Purpose,” where company growth directly supports ongoing charitable efforts.

BizPayPros

BizPayPros is a B2B-focused merchant services and financial solutions firm that helps businesses simplify payments, improve cash flow, and access flexible capital. Built on deep industry experience and a consultative approach, the company works with business owners across a wide range of industries to design payment, funding, and spend management solutions aligned with real operational needs.

BizPayPros provides end-to-end support across payment processing, POS and software integrations, spend management, and business lending solutions. This includes options for companies that may not qualify for traditional financing or cannot wait through lengthy approval timelines. By working with multiple acquiring, processing, and funding partners, BizPayPros is able to match clients with solutions based on risk profile, growth stage, and business objectives, rather than forcing one-size-fits-all products.

The firm is known for its hands-on service model and relationship-driven partnerships with referral partners, agents, and strategic alliances nationwide. BizPayPros serves as a long-term advisor to its clients, helping them streamline transactions, unlock working capital, and operate with greater confidence.

In addition to its core services, BizPayPros supports ongoing charitable initiatives through its “Payments With A Purpose” program, where business growth directly contributes to giving back in the communities it serves.

Website | LinkedIn | Facebook | Instagram

Renasant Bank supports North Fulton Business Radio

Renasant Bank has humble roots, having started in 1904 as a $100,000 bank located in a Lee County, Mississippi, bakery. Since then, Renasant has grown into one of the Southeast’s strongest financial institutions, boasting over $26 billion in assets and more than 280 offices offering banking, lending, wealth management, and financial services throughout the region. All of Renasant’s success stems from the commitment of each banker to invest in the communities they serve, which in turn helps them better understand the people they serve. At Renasant Bank, their banking professionals understand you because they work and live alongside you every day.

Beyond Computer Solutions supports North Fulton Business Radio

Whether you’re a law firm, medical practice, or manufacturer, there’s one headline you don’t want to make: “Local Business Pays Thousands in Ransom After Cyberattack.” That’s where Beyond Computer Solutions comes in. They help organizations like yours stay out of the news and in business with managed IT and cybersecurity services designed for industries where compliance and reputation matter most.

Whether they serve as your complete IT department or simply support your internal team, they are well-versed in HIPAA, secure document access, written security policies, and other essential aspects that ensure your safety and well-being. Best of all, it starts with a complimentary security assessment.

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

With over 900 episodes and having featured over 1,400 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show invites a diverse range of business, non-profit, and community leaders to share their significant contributions to their respective markets, communities, and professions. There is no discrimination based on company size, and there is never any “pay to play.” North Fulton Business Radio supports and celebrates businesses by sharing positive stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.

John Ray, host of North Fulton Business Radio, and Owner, Ray Business Advisors — **John Ray, host of *North Fulton Business Radio* and Owner, Ray Business Advisors**

John Ray is the host of North Fulton Business Radio. John and the team at North Fulton Business Radio, LLC, an affiliate of Business RadioX®, produce the show, which is recorded inside Renasant Bank in Alpharetta.

The studio is located at 275 South Main Street, Alpharetta, GA 30009.

You can find the entire archive of shows by following this link. The show is accessible on all major podcast apps, such as Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

John Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants, bookkeepers, marketing professionals, and other professional services practitioners.

John is the author of the five-star rated book The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, praised by readers for its practical insights on raising confidence, value, and prices.

Rachel Donnelly, Black Dress Consultants and Derek Chard, Payroc/TWC Atlanta Inc.

January 12, 2023 by John Ray

Family Business Radio

Rachel Donnelly, Black Dress Consultants and Derek Chard, Payroc/TWC Atlanta Inc.

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Rachel Donnelly, Black Dress Consultants and Derek Chard, Payroc/TWC Atlanta Inc. (Family Business Radio, Episode 40)

On this episode of Family Business Radio, host Anthony Chen welcomed two esteemed business owners to the studio. Rachel Donnelly discussed her personal history with loss and what motivated her to create Black Dress Consultants, the services they provide, and much more. Derek Chard talked about the biggest concerns local business owners face in today’s economy, the biggest misconceptions of the merchant services industry, advances in technology and how that changes business, and much more. Anthony closed the show with a commentary on how financial planning can be overwhelming. He suggests starting somewhere small and keeping it simple.

Family Business Radio is underwritten and brought to you by Anthony Chen with Lighthouse Financial Network.

Black Dress Consultants

Black Dress Consultants handle the business of death so you don’t have to. By coordinating with attorneys, financial advisors, accountants, etc., they offload the administrative tasks that come with legacy planning and after loss, so you can focus less on the logistics and more on creating space to live worry-free and grieve peacefully.

Website | LinkedIn | Facebook | Instagram | Twitter

Rachel Donnelly, Owner / CEO, Black Dress Consultants

Some days Rachel Donnelly feels like a real-life Little Orphan Annie whose life should be subtitled “Death Becomes Her.” (She’s joking! Sort of.)

Growing up, Rachel used to accompany her father on his house calls and hospital rounds, which gave me a deep understanding of compassion and leaning into hard spaces. When she was 16, my father passed away at the age of 48. A few years later, she moved my grandmother to an assisted living home where she passed shortly after. Several years later, her mother was diagnosed with cancer and passed away shortly thereafter. Her passing left Rachel with five houses to clean out and sell, as well as her role as caregiver for her uncle.

After Rachel’s uncle passed away, she assumed the role of Co-Executrix of his estate. Needless to say… she’s dealt with a lot of death. And in these instances — especially the two where she was Executor — there were so many decisions to make and tasks to complete. And she was doing it all while trying to work full time, raise two small kids, run a house and stay married (because let’s be honest… life never stops, not even for death).

Rachel vividly remembers standing in the parking lot of the bank after spending hours trying to (unsuccessfully) open an estate banking account and thinking to herself, “Why isn’t there someone who can help project manage this dumpster fire?!” Which is how Black Dress Consultants came to be.

She created this business because this is the service she wishes she had available to her then. Many times over, Rachel has been where you are right now. She understands how overwhelming and emotionally taxing it can be. But you don’t have to do this alone.

The Black Dress Consultants are here to help you manage the expected and unexpected of end-of-life. Whether you’re looking for someone to help legacy plan, or you’re dealing with the loss of a loved one and don’t know where to start, they have ample experience in taking tasks off your plate so you can free up space to breathe.

Payroc/TWC Atlanta Inc.

Payroc is a full-service payment processing company headquartered in Chicago, Illinois. They also have a headquarter office right here in Atlanta, GA. They pride themselves in taking a consultative approach with business owners to improve their payment acceptance processes while mitigating the cost of payment acceptance, specifically credit card acceptance. They have a plethora of networks, software, and hardware to best serve the clients’ needs.

Website | Facebook | Twitter | LinkedIn | Instagram

Derek Chard, Owner, Payroc/TWC Atlanta Inc.

Derek Chard has been a sales professional and business owner in various industries for the last 10 years. He grew up working for his family’s businesses, attended the University of Connecticut, and then moved down to Atlanta, GA in 2017 from CT.

He has worked in and held leadership positions in financial services, telecom sales, office supply sales, and now payment processing. Derek now runs an Independent Sales Office for Payroc Inc.

Anthony Chen, Host of Family Business Radio

**Anthony Chen, Lighthouse Financial, and Host of “Family Business Radio”**

This show is sponsored and brought to you by Anthony Chen with Lighthouse Financial Network. Securities and advisory services offered through Royal Alliance Associates, Inc. (RAA), member FINRA/SIPC. RAA is separately owned and other entities and/or marketing names, products or services referenced here are independent of RAA. The main office address is 575 Broadhollow Rd. Melville, NY 11747. You can reach Anthony at 631-465-9090 ext 5075 or by email at anthonychen@lfnllc.com.

Anthony Chen started his career in financial services with MetLife in Buffalo, NY in 2008. Born and raised in Elmhurst, Queens, he considers himself a full-blooded New Yorker while now enjoying his Atlanta, GA home. Specializing in family businesses and their owners, Anthony works to protect what is most important to them. From preserving to creating wealth, Anthony partners with CPAs and attorneys to help address all the concerns and help clients achieve their goals. By using a combination of financial products ranging from life, disability, and long-term care insurance to many investment options through Royal Alliance. Anthony looks to be the eyes and ears for his client’s financial foundation. In his spare time, Anthony is an avid long-distance runner.

The complete show archive of “Family Business Radio” can be found at familybusinessradioshow.com.

Nancy Langer and Laura Newell-McLaughlin with Transact Campus

October 5, 2021 by Karen

Phoenix Business Radio

Nancy Langer and Laura Newell-McLaughlin with Transact Campus

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Nancy Langer and Laura Newell-McLaughlin with Transact Campus

Transact Campus is a fintech and the leader in innovative, mobile-centric technology for college campuses. Transact offers payment and mobile-centric credential solutions for the university technology ecosystem.

Offerings span integrated payment solutions for tuition and fees, to multi-purpose campus IDs that can be used for everything from door and event access, to campus commerce solutions for meal plans, mobile ordering, retail payments, and more.

With 500 employees globally, Transact is headquartered in Phoenix, serves 12M students across more than 1,300 institutions, and facilitates approximately $45B in transactions annually.

Nancy Langer joined Transact Campus, as CEO in July 2021. She brings more than 35 years of expertise and leadership in the financial technology arena to her role and is leading Transact to become a key partner in the university ecosystem.

Under Nancy’s leadership, and in the current digital landscape, Transact is poised for exponential growth and expansion as the complete mobile-first platform for student payments and commerce.

Nancy is a transformation and growth-driven executive, experienced in all aspects of business management and leadership. She has had success and proven results for start-up ventures and mature businesses.

In 2018 and 2019, Nancy was named a Top 50 Women of Influence by Housing Wire Magazine. Nancy was named a Woman Executive of the Year for corporations greater than 2,500 employees by the Stevie Awards in 2015 and 2016.

She graduated Magna Cum Laude with a degree in Management Information Systems from the University of Wisconsin-Eau Claire and later received an executive leadership program certification from Northwestern University’s Kellogg School of Management.

Laura Newell-McLaughlin is Executive Vice President of Payments at Transact Campus.

She has nearly 30 years of experience in financial technology for higher education and an expertise in integrated payments and payment processing strategy.

Laura oversees the strategy and operations for Transact’s Payments division that facilitates more than $45 billion in tuition and non-tuition financial transactions annually.

Follow Transact Campus on LinkedIn, Facebook and Twitter.

ATLANTA’S BUSINESS LEADERS: Adam Harrell of Nebo Agency, Doug Hardman of Payscape and Tim Mitchell of HR Outsourcing

July 1, 2015 by Garrett Ervin

Gwinnett Studio

ATLANTA'S BUSINESS LEADERS: Adam Harrell of Nebo Agency, Doug Hardman of Payscape and Tim Mitchell of HR Outsourcing

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Mike Sammond, Adam Harrell, Doug Hardman, Tim Mitchell, Louis Rosas

Adam Harrell/Nebo Agency

Nebo is a human-centered digital agency. They believe that great work comes from understanding the needs, wants and perceptions of your audience. This human-centered approach informs everything they do. With expertise in digital marketing strategy, web design, user experience, SEO, paid media, digital public relations, social media marketing and analytics, Nebo has helped its clients achieve their digital goals.

Doug Hardman/Payscape

Payscape provides financial technology solutions and credit card processing to businesses, both big and startup, with dreams of becoming the best companies in the world.

Tim Mitchell/HR Outsourcing, Inc.

HROI (HR Outsourcing, Inc.) is a PEO (Professional Employer Organization) that provides a bundled solution for payroll, employee benefits, workers comp, and HR services.

Humor Wins

May 5, 2015 by angishields

Midtown Business Radio

Humor Wins

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Humor Wins

This week I sat down with Marshall Chiles, Founder and Dudeman of Humor Wins, a business that helps companies looking to improve team dynamics among their staff. As the owner of one of the first comedy clubs in Atlanta, Laughing Skull Lounge, he has been in the humor business for years. He decided to take his knowledge of comedy to help business people learn to add an element of humor to their client interactions and sales presentations. Humor Wins’ team also provides corporate roast services, adding a memorable, interesting element to company events.

Marshall talked about how they take their clients through the process of learning how to develop some humorous comments or jokes that help disarm prospective customers, facilitating relationship building that can lead to a sale. His team also facilitates team building by teaching self-deprecating humor that can foster better communication and reduce tension among the business’s staff.

He brought along Jeremy Wing, Co-CEO of Payscape Advisors, a merchant services and financial technology company. Payscape Advisors provides an array of services and technologies for companies ranging from online invoicing, an online registration platform for schools and camps, access to AR capital, payment processing, and more. Jeremy shared how he came to know Marshall through providing their payment processing services, ultimately becoming a client of Humor Wins.

I met Kimyung Kim, a comedian and word smith who uses improvisational free-style rapping to provide entertainment services for corporate events. We got a demonstration of his skill with him rapping while we gave him random words he integrated into his lyrics.

If your company is looking to attract young, motivated millennials, reduce turnover, and help build closer relationships among your sales force, executives, and administrative staff, you need to get to know these innovative experts.

Special Guests:

Marshall Chiles, Founder/Dudeman Laughing Skull Lounge and Humor Wins

Bachelor of Business Administration, Management Information Services, University of Georgia
Founder of Southern Fried Supernova
Founder of the the world’s smallest comedy club (Laughing Skull Lounge)

Jeremy Wing, Co-CEO of Payscape Advisors

Previous Director, MTV
Director, RegPoint Solutions
Investor in numerous businesses such as FINSYNC, KidsLink Inc., Bayan Investment Group
Recipient of numerous business awards including Top 40 Innovative Company, Atlanta, Top Workplace, AJC, Inc 500/5000 Fastest Growing Companies, and others

Kimyung Kim, Speaker/Rapper Kimyung Kim Speaks

Former teacher, Social Studies, Magnolia Science Academy
BA, History, Georgia State University
National Speakers Association volunteer
Active comedian

Payscape Advisors

December 2, 2014 by angishields

Midtown Business Radio

Payscape Advisors

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Payscape Advisors

According to the Atlanta Metro Chamber, “Georgia is 3^rd in the nation, just behind New York and California in FinTech revenue. Georgia FinTech companies have produced more than $83 billion of shareholder value since 1995 and revenues are more than $34 billion annually. Wages in Atlanta’s financial and IT industry are lower than competitive markets. Here, there is a convergence of three key sectors: finance, IT, and software, all of which have a strong presence in Atlanta, along with an abundant IT, software and financial labor force.”

Today I got to sit down with 3 of the folks on the team from Payscape Advisors, an Atlanta company through and through that is an important player in those amazing statistics. I was joined by Rachel Lawrence, Technology Integration Specialists, Hunter Hudson, Director of Business Development, and Zach Wing, Product Manager. Hunter Hudson has been with Payscape Advisors for a number of years and he shared the story of how Payscape Advisors was started and launched by two Atlanta residents, Jeremy Wing and Adam Bloomston. They have since grown the company to include offices in 13 cities nationwide that also has clients and partners around the globe. The company initially focused on payment processing but saw opportunities to expand their suite of services to include point-of-sale processing, access to working capital, SaaS services including Reg Point and Billing Orchard, international payment processing, web development for eCommerce sites (including compliant payment features) and more. The company has striven to provide the gamut of services to merchants

As Hunter described why they’re different than many of the other merchant services companies out there, “We do have those feet on the street. We have a team. We have somebody you can call. You’re gonna call their cellphone and you’ll have their email address. We’re not just a 1-800 number. You’re gonna have someone who’s going to be there for you.” He went on to talk about the different service options they provide and how they collaborate with SaaS developers to provide the payment interface for their applications, enabling them to provide a more desirable, robust product to their users.

We talked about the innovative user registration software they make available to groups such as camps and other large events that provides a secure way for attendees to sign up and enter sensitive information and provide payment. The company also offers several avenues for companies to access working capital when bank loans are not readily available.

As I sat with these 3 experts it was clear that they all share a passion for what they’re doing and take pride in engaging their clients and partners with a personable, professional approach with the goal of forging long-term, mutually-beneficial relationships.

Special Guests: Payscape Advisors

Rachel Lawrence, Technology Integration Specialist, Payscape Advisors

BA Communication, University of Georgia
WW IBM WebSphere GB and Partner Sales Executive 4/13
Recipient, Rep of Quarter Q1 2013, IBM

Hunter Hudson, Director Business Development, Payscape Advisors

BA Finance, University of Alabama
Successful entrepreneur

Zach Wing, Product Manager, Payscape Advisors

BA Marketing, University of Alabama
Former Manager, Direct Sales, Atlantix Global Systems
Former Owner/Partner, USA Payroll

Elavon Merchant Services

September 23, 2014 by angishields

Midtown Business Radio

Elavon Merchant Services

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Today I sat down with Megan Heinze of Elavon merchant services, one of the world’s largest provider of merchant payment processing services. The company was founded in Atlanta in 1991 as NOVA Information Systems, with a focus of providing services supporting small- to mid-sized companies. The company combined forces with USBank, who brought a compliment of large client companies from around the globe. Elavon continues to innovate payment processing services, providing a range of technologies, access to key business data, and customer loyalty options that help companies operate and grow more efficiently.

Megan talked about Elavon’s platform called, “Talech”, which gives the small- and mid-sized company owner the ability to use a variety of devices, including tablets and smart devices, to take orders, process payment, manage inventory, assess sales histories for their products/services, and more—all at their fingertips. This platform gives the small- to mid-sized business owner the ability to more efficiently “wear the many hats” that small company executives often have to wear to operate their business. Additionally, Elavon provides the business owner with the ability to offer “cardless” customer loyalty programs that are highly customizable. Customers are able to be recognized by either their credit card or phone number, eliminating the need for a punch card or cumbersome rewards card they have to carry to be able to accrue/redeem the rewards they qualify for.

For companies in the hospitality and food/beverage spaces Elavon has partnered with Micros, the maker of point-of-sale platforms to enhance the level of security from end to end. This collaboration will help reduce risk for both the merchant and their customers.

Special Guest:

Megan Heizne, Senior VP/General Manager, US Bank Payment Solutions & Partner Channels of Elavon