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.
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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.
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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.
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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 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.
