Podcasts about Heartland Payment Systems

In this episode of Bridges to Excellence, host Desmond Nicholson interviews Damian Tanenbaum, a seasoned leader in the payments and fintech industry. Damian shares his incredible journey being of humble beginning from Brooklyn, New York to becoming the Chief Customer Officer at One Inc. He recounts his career milestones at giants like First Data, Heartland Payments, TSYS, and Ingenico, along with his entrepreneurial ventures and his passion for martial arts. The conversation dives deep into his leadership philosophy, the role of data analytics and AI in customer experience, and the importance of balancing professional and personal life. Damian also discusses his foray into acting and the lessons he's learned along the way, offering actionable takeaways for anyone aspiring to excel in their career.00:00 Introduction to Bridges to Excellence00:35 Meet Damian Tannenbaum04:20 Damian's Early Life and Career Beginnings08:43 Climbing the Corporate Ladder11:45 Venturing into the Philippines14:08 Heartland Payment Systems and Beyond15:15 Joining Fifth Third and Pivotal Payments16:48 Cayenne and the TSYS Acquisition20:11 Navigating Global Payments and BJJ Link21:32 Engenico and the COVID Challenge23:29 Consulting and Joining One Inc.29:50 The Role of Data Analytics and AI30:38 Leveraging AI in Customer Experience32:01 The Role of AI in Call Centers33:00 Transition to Personal Passions36:25 From Martial Arts to Acting38:06 The Journey of a Martial Artist43:13 Leadership and Mentorship Insights45:36 Balancing Work and Life49:41 Advice for Beginners and Companies58:14 Future Endeavors and Final Thoughts

This episode is the concluding segment of our roundtable discussion on building high-performance teams. In part one of this conversation, we discussed the difference between lived versus aspirational values and how to discern healthy from unhealthy tension in our teams and organizations. Today, we're taking it a step further and looking at the importance of humor in our businesses, cultivating mutual accountability and how to live out our values in the midst of challenging circumstances. Joining host and Global Payments HOM, Chris Allen are: multi-dimensional leader and fortune 500 executive, Vince Lombardo, Founder and Chief Strategist at Revisionary, Celine Williams and co-founder and Managing Partner of Mudita (moo-DEE-tah) Venture Partners, Josh Linkner.  Key Points: Understanding Rumbling vs. Feedback  The importance of levity and humor in businesses Cultivating mutual accountability Living your values through adversity  Resources/Links:  Learn More about our guests: Vince Celine  Josh   Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers. 

What if the greatest resource in your businesses isn't a strategy, technology, or particular skillset—but the health within your teams and cultural dynamics?   In this 2-part roundtable, we are exploring the value systems of building high performance teams. Building on the foundation of our previous roundtable on transformational leadership, we'll be discussing what it takes to implement transformational leadership on an organizational level, in our businesses and in our teams.  Joining host and Global Payments HOM, Chris Allen are three seasoned leaders whose diverse perspectives bring a wealth of experience and insight: Vince Lombardo, a multi-dimensional leader and fortune 500 executive as the President of Heartland. Celine Williams, Founder and Chief Strategist at reVisionary, a boutique consulting firm providing executive coaching, leadership development, and culture services to human-focused businesses around the world and Josh Linkner, Co-founder and Managing Partner at Mudita Venture Partners, an early-stage venture capital firm investing in groundbreaking technologies.  Key Points: The courage it takes to change  Lived vs. aspirational values Understanding the difference between healthy and unhealthy tension   Resources/Links:  Learn More about our guests: Vince Celine  Josh   Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Shop Small is a year-round effort that encourages people to support local businesses and communities, with a special focus on Small Business Saturday. Founded by American Express in 2010, Small Business Saturday has become a nationwide celebration of small businesses. In 2023 alone, U.S. consumers who shopped at independent retailers and restaurants on Small Business Saturday spent an estimated $17 billion. In today's episode, Erin Sweatman of American Express joins us in the studio to share the incredible story of how Shop Small evolved from a single idea into the expansive movement it is today. We'll also explore how social media plays a crucial role in connecting small businesses with the next generation of shoppers. Based on a study from American Express, 73% of Gen Z say they are more likely to shop with a small business when they see them on social media. Tune in to learn practical ways you can get involved by shopping small and how to participate with Small Business Saturday on November 30th, 2024. Key Points: How we can support small businesses  Connecting communities and customers How to get involved with Shop Small  Resources/Links:  Learn More about Shop Small  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.  Disclosures: [3:05] The total reported projected spending of U.S. consumers who shopped at independent retailers and restaurants on Small Business Saturday in 2023 reached an estimated $17 billion. [10:10] Based on a study from American Express, 73% of Gen Z said that they are more likely to shop with a small business when they see them on social media.

In a world where business leaders are lauded for being cutthroat, Marcus Lemonis does it all with heart and compassion for the “people, process, and product” he aspires to elevate. Marcus Lemonis is a Lebanese-born American businessman, philanthropist and television personality best known for hosting The Profit on CNBC. He has helped numerous companies find success while also expanding his personal brand as a business expert and advocate for entrepreneurs.  In this episode, Marcus shares insights from his entrepreneurial journey and mission to help small businesses thrive. We explore the highs and lows of his career, and how his emphasis on building strong relationships has shaped his business philosophy. Key points: Reshaping how business is done  Betting on yourself, taking chances on people  How recognition and admission of mistakes lead to success Resources/Links:  Learn more about Marcus Lemnois  Follow us on Instagram! Watch full episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

We often think of leadership in terms of externals such as ethical behavior, good communication skills and sound decision making. But true leadership begins from the inside out. Leaders must first recognize and deal with the uglier parts of themselves — emotional blind spots, ego and insecurities. This requires a significant commitment to doing the inner work of transformation.  In this episode of The Entrepreneur's Studio, we are tackling this subject with three remarkable guests: Ryan Estis, a sales and leadership expert who champions human-centered growth for sustainable success; Stephanie Spencer, an Enneagram coach known for guiding individuals and teams through life's toughest challenges; and Dr. Olivia Audrey, a board-certified naturopathic doctor, whose holistic approach to leadership and healing has transformed the lives of CEOs, Fortune 500 executives and global leaders.  Each of our guests, along with The Entrepreneur's Studio host, Chris Allen, share a candid conversation geared to help leaders develop practices that not only modify outward behaviors but foster transformation from the inside out.   Key Points: Developing Self-Awareness Trauma's impact on how we lead Best practices for transformational leadership Resources/Links:  Learn More about our guests. Ryan Estis Dr. Olivia Audrey Stephanie Spencer  __  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers. 

Stephanie J. Spencer is a personal and leadership development coach who utilizes the Enneagram to help clients find new ways forward. She has spent years coaching individuals and teams from around the country, including major universities, local churches, Fortune 500 companies, small businesses and more.  In this episode, Stephanie shares why understanding our core motivations and ways of operating are vital to the success of our businesses and team relationships.    Key Points: Why knowing the way we work can help us improve our work How to Leverage our team's unique contributions to reach common goals  How the Enneagram helps us resolve conflict Resources/Links:  Learn More about Stephanie J. Spencer Download the free PDF resource mentioned in this episode Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Ryan Estis is a sales and leadership expert at the forefront of the human-centered growth movement. He has spent his career in the trenches building high-performing teams and a client roster of category-leading brands. As a strategic advisor and former Fortune 500 CRO, he understands that the key to meaningful results lies in elevating people to their highest potential. In this episode, Ryan shares how individuals and organizations can leverage change as a catalyst for growth and maximize their impact by embracing a human-centered approach to sales, leadership and life. Key Points: 3 principles of human-centered leadership How our darkest moments can become our defining moments  Why the best leaders build other leaders Resources/Links:  Learn More about Ryan Estis Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers. 

The path of the entrepreneur requires taking calculated risks, developing resilience and an unwavering commitment to strong personal values. Today's episode features a business owner whose Made From Scratch entrepreneurship embodies each of these qualities along with a deep-rooted faith that led her from investing her last five dollars — to creating a multi-city cupcake empire known as The Cupcake Collection. Mignon Francois is known for developing an iconic cupcake flavor that drew long lines of people to her historic Germantown neighborhood in Nashville, Tennessee. The success of her business ignited a new movement to the area for other businesses to move in and take root as well. Mignon's business savvy earned her the titles of “Woman of Legend and Merit” by Tennessee State University, “Family Business of the Year” by Black Enterprise Magazine and “Emerging Business Leader of the Year.” Tune in to hear Mignon's amazing story of courage and resilience and how maintaining the right perspective turns scarcity into opportunities for learning.  Key Points: Financial principles for long term success  How perspective changes the outcome of the experience The essential ingredients for making a great leader Resources/Links:  Learn More about Mignon Francois and The Cupcake Collection  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers. 

Many people think of innovation as taking large, high-risk leaps with no certainty of the outcome.  But what if our big, breakthrough moments were the result of cultivating daily micro-innovations?  Accomplished jazz guitarist and managing partner of Mudita Venture Partners, Josh Linkner believes it's possible.  Josh Linkner is a creative troublemaker. He passionately believes that all human beings have incredible creative capacity, and he's on a mission to unlock inventive thinking and problem solving to help leaders, individuals and communities soar. Josh has been the founder and CEO of five tech companies, which sold for a combined value of over $200 million and is the author of four books including the New York Times Best Sellers, Disciplined Dreaming and The Road to Reinvention. He has invested in and/or mentored over 100 startups and is the founding partner of Detroit Venture Partners. In this episode, Josh shares the fascinating connection between jazz and entrepreneurship and how implementing his simple frameworks can help businesses win at the highest levels.  Key Points: Jazz as the perfect metaphor for business Frameworks for problem solving Mindsets and habits for creating a culture of “micro-innovations”  Resources/Links:  Learn More about Josh Linkner __  Read The Episode Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers. 

John Mark McMillan is a Platinum-selling singer-songwriter whose career in music spans across two decades. He has worked as an independent artist under his own Lionhawk records with three albums in the Top 200 U.S. charts and four albums in The Top 10 Christian charts. His voice has been featured in film and television, including the trailer for “Terminator: Dark Fate” and “Grey's Anatomy.”  Alongside creating heartfelt lyrics and genre-bending compositions, John Mark is a savvy entrepreneur whose business acumen transcends the music industry and offers applicable insights to business owners and brands alike. In this episode, John Mark drills down to the foundation of what differentiates flourishing businesses from those who don't succeed: Making meaningful connections. Key Points: Operating from your ‘why' as the driving force in business  Growing your social media presence Addressing the loneliness of entrepreneurship  Resources/Links:  Learn More about John Mark McMillan Read The Episode Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers. 

When Cynt Marshall was hired as the new CEO of the Dallas Mavericks in March 2018, she set her sights on cultural transformation. She envisioned the Mavericks becoming the NBA standard for inclusion and diversity. Her values-based leadership style brought a new level of transparency and evolved the company culture within her first 100 days. In this episode, recorded live at Heartland's Diamond conference, Cynt shares her story of overcoming incredible adversity, from childhood trauma to fighting cancer to becoming the first female CEO in the NBA.  Tune in to hear an inspiring story encouraging you to tackle challenges head-on, embrace diversity and cultivate the resiliency needed to achieve your dreams.  Key Points: Foundations of strong leadership  Facing challenges with integrity Handling criticism with resilience  Resources/Links:  Read The Episode Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Do you ever wonder why some businesses thrive while others struggle to keep up? One crucial distinction is the ability to understand customers' pain points — and positioning your business to solve the problem. In this episode, bestselling author and business coach Christy Wright explains why gaining clarity on what a customer actually needs is vital to achieving long-term success.  Christy Wright is a certified business coach, dynamic speaker and personal development expert. She served for 12 years as a Ramsey Personality with Ramsey Solutions before taking a leap of faith to venture out on her own.  Christy has been featured on the “Today” show and “Fox News”, as well as Success, Entrepreneur, and Woman's Day magazines. Whether she's running around on stage or running after her kids, challenging leaders or changing diapers, Christy makes the most out of life and encourages others to do the same.  Tune in to gain practical insights and actionable takeaways to help you run and grow a better business.  Key Points: Distinguishing what customers need versus what they think they need. Empathizing with customer's pain points.   Assessing what is right “right now.”  Resources/Links:  Learn More about Christy Wright here. Read The Episode Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Mike Hearne is a golfer, realtor and creator of “This is Oklahoma,” a podcast that tells stories of Oklahoma's history, culture and the people who call it home. Mike was born in Bridgend, Wales, and moved to Oklahoma in August 2011 to play golf and study Marketing at Southern Nazarene University. He graduated in May 2015, passed his real estate exam and became a realtor. Mike launched “This is Oklahoma” in May of 2018. His podcast has since grown a large, national following including a sponsorship with the Oklahoma Hame of Fame. In this episode, Mike shares his inspirational story of finding his way to success and why it is vital that entrepreneurs learn to harness the power of saying “yes.”  Key Points: Taking unexpected opportunities Building a pipeline of relationships Harnessing the power of saying “yes” Resources/Links:  Learn More about Mike Hearne here Read The Episode Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

In the fast-paced world of digital marketing, keeping up with the latest trends can be overwhelming. From the emergence of AI to evolving customer needs, staying relevant in a changing market requires adaptability and ongoing education.  Tune in to hear digital marketing expert Ines Nasri share valuable insights to help businesses and individuals stay ahead of the curve.   Key Points: The Essential Pillars of Marketing  Leveraging Technology for Small Business Owners  Mindsets and Adaptability Resources/Links:  Learn More about Ines Nasri __  Read The Episode Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Imagine creating something from scratch that transforms an entire industry. As the founder and CEO of Podchaser, Bradley Davis did just that. Sometimes called “the IMDb of podcasting,” Podchaser is a database connecting podcasters and listeners worldwide. But it didn't exist until Bradley brought his idea to life through persistence and networking— not to mention a little luck. Tune in to hear how Bradley raised $4 million in just 40 days with zero startup experience and no connections in the industry. Key Points: How to get VCs interested in your idea The role of storytelling in fundraising pitches The evolution of the podcasting industry Resources/Links:  Learn More about Bradley Davis. Read The Episode Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Molly Bloom is an entrepreneur and inspirational speaker whose tumultuous journey through the world of high-stakes poker taught her the importance of integrity and the mindsets needed to bounce back from impossible odds.  In this episode, Molly reflects on the importance of accepting responsibility, seeking forgiveness, and redefining success on her own terms. From facing FBI agents to working with award-winning film director, Aaron Sorkin, Molly's story champions the importance of resilience on the path to entrepreneurship and personal growth. Key Points: Choosing integrity over superficial gain Meditation and Mindsets  Believing in yourself even at rock bottom Resources/Links:  Learn More about Molly Bloom Read the Episode Transcript  Follow Us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Molly Bloom is an entrepreneur, an inspirational speaker and the bestselling author of the memoir “Molly's Game”. Her story of transitioning from Olympic-level skier to host of the most exclusive poker club in the world to FBI target was adapted to film by acclaimed screenwriter Aaron Sorkin.  In this two-part series, Molly candidly shares her rise and fall, the concept of effective presence and how to bounce back from the perils of self-betrayal. Key Points: Using self awareness to shape your career Pivoting after the end of a dream  Resilience and starting over  Resources/Links:  Learn More about Molly Bloom Read the Episode Transcript  Follow Us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers. 

Lauren Warkentine is an Oklahoma City entrepreneur whose business acumen has led her through the worlds of pharmaceuticals, finance, and finally into custom clothing. However, the common thread linking each of her endeavors is the unwavering pursuit of finding the right solutions.   As the founder and CEO of William & Lauren Custom Clothier, Lauren helps shoppers create confidence through fashion, empowering them to take risks, push fear aside, and step into their purpose. In today's episode, Lauren shares what it was like to take the leap from being the president of a large pharmaceutical company to entering the world of clothing design. She reveals the key insights and strategies that propelled her to success. Key Points: Gaining confidence in business  Solving problems across industries  What makes customers come alive Resources/Links:  Learn More about William and Lauren  __  Read The Episode Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees, and engage customers.

Jeff Sheldon is the creative mind behind Ugmonk, a brand renowned for curating quality products that combine form and function. In this episode, Jeff shares his journey of developing a meaningful community around Ugmonk, where every product decision is a collaborative effort with the people who love and live the brand's philosophy.  Tune in as Jeff explains how he built a loyal and engaged community of brand fans and why scaling requires special considerations for community-driven, founder-led businesses. Key Points: Product development and customer feedback  Developing a strong personal brand The pros and cons of scaling Resources/Links:  Learn more about Ugmonk Read the Episode Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees, and engage customers.

Summary   In this episode, Nathan interviews Keith Sconiers, an entrepreneur, storyteller, and catalyst. Keith shares his background and mission to help entrepreneurs cut costs in a crazy, un-planned journey that he has no regrets for, on, or hates. Keith describes it as the purpose-driven marketing strategy. Make sure you dig in deep as this is just part one. Keith shares his personal journey of struggling with multiple jobs and financial difficulties. He also talks about his experience working for Heartland Payment Systems and the values that led him to quit and pursue a different path.

Will Guidara is a restaurateur who has been immersed in the industry since the age of thirteen. He's the former co-owner of Eleven Madison Park, which under his leadership received four stars from The New York Times, three Michelin stars, and in 2017 was named number one on the list of the world's top 50 restaurants. Will is also the national bestselling author of the book, “Unreasonable Hospitality”, and he's married to celebrity baker and founder of Milk Bar, Christina Tosi.  In this episode, Will guides us through his commitment to unreasonable hospitality and the importance of moving beyond efficiency to create magical experiences customers will never forget.  Key Points: Recognizing each touchpoint of the customer's journey  The 3 keys to game-changing practices in hospitality   Building the right team, not the best team Resources/Links:  Learn more about Will Guidara Read the episode transcript  Follow us on Instagram Watch The Entrepreneur's Studio on YouTube Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

In this episode of The Entrepreneur's Studio podcast, host Chris Allen is joined by Executive Vice President of Product, Technology, and Enablement for Heartland, Adam Mitchell. Together, Chris and Adam take a look at emerging trends business owners can anticipate for the new year.  From the evolving role of technology to strategic considerations in everyday operations and customer experience, this episode provides actionable insights to get you moving in the right direction for 2024. Key Points: Adapting to a rapidly changing landscape  Technologies to help small businesses navigate change Cautions and considerations regarding the future of AI  Resources/Links:  Learn more about how Heartland can help you run and grow a better business.  __  Read the episode transcript.  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Often our greatest hindrances to thriving in business are the mindsets we keep.  In this season finale episode, renowned author and personal development expert, Mel Robbins, leads us on a discovery of reinvention through self-leadership. Mel shares her secrets of overcoming hesitation through her science-backed 5-Second Rule and how we can transform negative mindsets and habits that hold us back in business and in life.  Mel Robbins is the author of the international best-selling books, “The Five Second Rule” and “The High Five Habit” and host of the wildly popular program “The Mel Robbins Podcast”. She is trusted by the world's leading brands and medical professionals who use her research-backed tools in clinical and corporate settings. Mel's TEDx Talk is one of the most popular of all time, with more than 25 million views to date.  Key Points: How to overcome hesitation and take action  Learning to trust your intuition and gut instinct The most important leap you'll ever take in business Resources/Links:  Learn more about Mel Robbins  Discover how The Entrepreneur's Studio can help you run and grow a better business. Read the Episode Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Erin Lowry is a personal finance expert, speaker, and author of Broke Millennial, a best-selling book series aimed toward helping a generation achieve financial success. In this episode, Erin shares her story of how she became a prominent voice for young entrepreneurs starting out in business and how we can learn to make financial choices based on the lifestyle we want to live.    Tune in to hear Erin dispel money myths and misconceptions and share tips for entrepreneurs on everything from negotiating and pricing to maximizing employee benefits.    Key Points:   Recognizing common financial mistakes  Understanding business structure for solopreneurs  Identifying psychological triggers about money  Resources/Links:  Learn More about Erin Lowry Read The Transcript  Follow us on Instagram! Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Ryan Leak is a motivational speaker and author with a thriving career centered on embracing failure to accelerate success. Inspired by stories of the world's most successful people, Ryan set off to urge audiences and readers to run toward failure too — by taking risks, trying new things and doing their best to overcome incredible challenges.    Tune in to hear Ryan's inspiring messages, tips on discipline and personal development and why he believes your purpose matters most. Key Points: Why playing it safe might be the riskiest move of all  Meeting the demands of a busy schedule with discipline and self-care Adjusting to new challenges that exist at different tiers of success Resources/Links:  Learn More about Ryan Leak. Thinking about starting your own business? Our free course helps you get from daydream to day one (even if you have no idea how to get started). __  Read the Transcript  Instagram Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Heartland provides nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Nick Bayer is an entrepreneur with a passion for bridging the gap between academia and real-world business. When he created his company, Saxbys, in 2005, he didn't consider it to be a coffee company—instead, he considered it to be a hospitality company fueled by great coffee. His immersive training approach, employing students as CEOs, transformed coffee shops into classrooms and became a revolutionizing force in education and business.  In this episode, Nick shares about his mission-driven business model, Saxbys commitment to social responsibility and how their partnerships with universities empower students to thrive as great business leaders.  Key Points: Making Life Better with Educational Entrepreneurship  3 Core Principles of great leadership The social impact of operating as a B-Corp Resources/Links:  Learn More about Nick Bayer Read The Transcript  Instagram Watch Full Episodes of The Entrepreneur's Studio on YouTube. Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Jeni Britton began making ice cream in 1996, as a 22-year-old art history student obsessed with scent. In her spare time, she studied perfuming and experimented with making her own essential oils. On a whim one day, she added cayenne to a tub of chocolate ice cream. When she tasted the combination of cold, sweet and spice, she knew she was going to make ice cream for the rest of her life. The rest is history.     Jeni Britton is an American ice cream maker and entrepreneur. A pioneer of the artisan ice cream movement, she introduced a modern, ingredient-driven style of ice cream making that has been widely emulated across the world but never duplicated.    In this episode, Jeni shares her journey of leaving art school to create an ice cream empire devoted to making the finest ice creams the world has ever known. From her tenacity to take creative risks to the grit and determination to navigate her business through a time of crisis, Jeni's story is an inspiring testament to the power of perseverance, pushing boundaries, and staying true to your entrepreneurial vision.   Key Points:   Starting small and building slowly Taking a hands on approach to building a business Prioritizing people, vision and values Resources/Links:  Learn More about Jeni's Splendid Ice Cream Discover more about The Entrepreneur's Studio Read The Transcript  Instagram Watch Full Episodes of The Entrepreneur's Studio on YouTube.   Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Oklahoma City's ”East Side" had been a social and economic center for African American life but through gentrification and neglect, the area became a marginalized part of town.    In 2016, Jonathan Dodson's Pivot Project selected an abandoned strip mall on Northeast 23rd Street for what would ultimately become the EastPoint Project.   The development at Eastpoint gave activist and award-winning rapper Jabee Williams the opportunity to establish Eastside Pizza House alongside other black business owners in a thriving community atmosphere.    In today's episode, Jabee shares his story of going from entertainer to activist, preserving history and innovating new business models.     Key Points: Creating positive change through creativity and collaboration. Honoring the past while innovating the future Advocating the under-served through community engagement  Resources/Links:  Learn More about Jabee Eastside Pizza House  Read The Transcript  Instagram Watch Full Episodes of The Entrepreneur's Studio on YouTube.   Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Developer Jonathan Dodson left his job as a corporate banker and followed his passion to revitalize Oklahoma City through urban infill and adaptive reuse of commercial property.  His development group, Pivot is committed to creating ethical community development that is the product of public interest and addresses a community need. In today's episode, Jonathan shares his story about how he felt a moral imperative to invest in underserved communities and the challenges he faced in establishing what became an internationally recognized economic revolution. Key Points:  The importance of ethical development principles The impact of gentrification Unorthodox funding methods and creative negotiations   Resources:  Pivot Project   Read The Transcript  Browse our library of conversations with successful entrepreneurs who have been in your shoes.  Credits:  The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers. 

Christina Tosi is a chef and the founder and CEO of Milk Bar, a unique bakery concept reinventing classics like cereal and birthday cake with plenty of imagination. Creativity is the spirit of Milk Bar and a throughline for everything Christina does, but it can be hard to run a business without some of the traditional, tried-and-true practices. In this episode, Christina takes a deep dive into her creative process, business practices and the four core values which guide her to leading a successful enterprise.  This is part 2 of our conversation with Christina Tosi.    Key Points: Nurturing a creative mindset Streamlining operations  Learning how to bend the rules  Resources/Links:  Connect with Christina Tosi Read The Transcript  Enjoy the podcast? Subscribe and leave a positive review on Apple podcasts.   The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers. 

Nostalgia was a key driver of Christina Tosi's vision for Milk Bar. As it turns out, the masses share her sentiments. Whether your plan is to make childhood memories the theme of your business or a single item on your menu, Christina feels everyone can benefit by touching customers on a personal level. Christina Tosi is the award-winning chef and founder of Milk Bar, a singular bakery concept that merges her love for down-to-earth, comforting baked treats, culinary expertise and unexpected, creative combinations.  In this episode, Christina shares how she went from being a math major in college to a James Beard recipient, a TV personality and the founder of a bakery empire. This is part 1 of our conversation with Christina Tosi.    Key Points: Nostalgia as a key driver for entrepreneurial pursuits Gut instinct as a business guidepost  What it takes to build a business model that does not exist  Resources/Links:  Connect with Christina Tosi Read The Transcript  Enjoy the podcast? Subscribe and leave a positive review on Apple podcasts.   The Entrepreneur's Studio is powered by Heartland Payment Systems. Providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

Showing up “on time” and “on brand” may look like an easy win from the outside, but underneath outward success is a long journey of perseverance and dedication.  In this episode, fashion icon Rebecca Minkoff shares how she secures out-of-the-box partnerships, handles imposter syndrome and critical feedback, and believes it's important to define success on your own terms.  Key Points include: Separating yourself from your brand  The team sport of partnerships  Wins and losses in the hiring process  This is part 2 of 2.    Resources/Links:  Rebecca Minkoff  Transcript The Entrepreneur's Studio is powered by Heartland Payment Systems, providing nearly 1 million entrepreneurs with the technology to make money, move money, manage employees and engage customers.

This episode features an interview with Sarah Owen, Chief Product Officer at One Inc, the leading digital payments network in the insurance industry. Sarah joined One Inc. in 2021, and brings with her deep payments knowledge. She has more than 20 years of experience in leadership roles at First Data, Heartland Payment Systems, Vantiv, and TSYS. Sarah is also an inventor, having patented and served as co-inventor on several mobile and digital payments solutions. In other words, she's a true payments expert. And in this episode, we're learning from her about making a better product by putting customers front and center, identifying the moments that matter in your customer's journey, and how One Inc. is at the forefront of a new age in the insurance industry.Quotes*”If you're not solving problems for the customer, keeping the customer front and center, and ultimately improving their experience, then no one's going to buy your product.”*”Customer experience, from my perspective, is all about mapping out that customer journey to really understand the points that matter. What do you need to make sure that you get right? So it is about storytelling.”Time Stamps[2:23] How Sarah's work-to-give mindset has shaped her career[5:19] What's Sarah's approach to customer experience[6:20] How did Sarah get into CX?[11:43] How low-code no-code helps with digital transformation[13:27] How is One-Inc a B2B2C company?[16:39] How Sarah identifies the moments that matter through customer journey mapping[19:21] How One Inc. is revolutionizing the insurance payments process[21:38] How legacy insurance companies operate, and why the established payments processes have lasted[25:49] How One Inc. uses tokenization to protect payment information[30:57] What does Sarah think about the future of payments?BioSarah Owen is Chief Product Officer at One Inc. Owen joined One Inc. in October of 2021 following a career driving product innovation, development and business transformation for payments. With increasing levels of responsibility, she has managed large product portfolios and built new products across card issuing, consumer loyalty and payment facilitator lines of business. For over two decades she has held senior roles at companies including First Data (Fiserv), Heartland (Global Payments), Vantiv (FIS) and she most recently served as lead for the Customer Engagement Portfolio for TSYS, a business unit of Global Payments. Owen combines her deep payments knowledge with a passion for helping clients transform their digital experiences and is a true champion of innovation, having patented and served as co-inventor for multiple mobile and digital payment solutions. Based in Atlanta, Sarah has also served as a mentor for TechStars and is an active volunteer in the local community.Thank you to our friendsThis podcast is brought to you by HGS. HGS is a digital customer experience leader dedicated to delivering winning customer interactions at scale that are prompt, personal, and positive. We continuously transform, optimize, and grow enterprises to exceed ever-rising customer expectations. HGS provides our clients with the right talent and technologies needed to champion every moment. Learn more at hgs.cx.LinksConnect with Sarah on LinkedInLearn more about One Inc.Connect with Larry on LinkedInCheck out HGS

This week on Order Up, we're joined by Joe Costanzo of REVOLTtek for a conversation about the power of point-of-sale systems in the restaurant industry. Tune in to hear Joe, a restauranteur turned technology consultant, share how to approach integrating POS into your restaurant's operations and how to enhance your marketing, customer loyalty, food profit, and staffing through the data collected in a POS system.  (0:36) – Joe Costanzo and discovering point-of-sale technology (3:53) – Consulting with restaurant industry experience (5:56) – REVOLTtek (7:15) – Heartland Restaurant POS (9:14) – What can restaurants learn from their point-of-sale data? (11:36) – Food profit (14:27) – Data-driven marketing (15:23) – Customer feedback (16:19) – Staff scheduling and performance (18:24) – Increasing sales (19:50) – Selling data to suppliers (21:17) – Getting started For more information on REVOLTtek, visit:http://www.revolttek.com/ ( http://www.revolttek.com/).  To learn more about Heartland Payment Systems, vist: https://www.heartland.us/ (https://www.heartland.us/) This podcast is intended for general informational purposes and is not intended to provide any listener with legal or medical advice.  The views expressed in this podcast are solely those of the speaker and do not necessarily represent the opinions of the National Restaurant Association (Association) and its affiliates. Reference to any specific product or service does not constitute an endorsement or recommendation.  The Association does not warrant or guarantee the accuracy or suitability of any information offered, and the listener is encouraged to do their own research and consider the applicability and suitability of the information provided for their own individual circumstances. Given the rapidly evolving nature of the pandemic, guidance may change as our understanding of unique challenges that COVID-19 poses within each country, state, and locality evolves. If you'd like to receive new episodes as they're published, please subscribe to https://www.restaurant.org/events/learning/podcasts/order-up (Order Up) in https://podcasts.apple.com/us/podcast/order-up/id1511211971 (Apple Podcasts), https://podcasts.google.com/?feed=aHR0cHM6Ly9mZWVkcy5zaW1wbGVjYXN0LmNvbS9IcFhHRHhqVQ (Google Podcasts), https://open.spotify.com/show/3SOAkud8tkbaLCaU8W4Ne5 (Spotify) or wherever you get your podcasts. If you enjoyed this episode, please consider leaving a review in https://podcasts.apple.com/us/podcast/order-up/id1511211971 (Apple Podcasts). It really helps others find the show. https://www.dante32.com/ (Podcast episode production by Dante32.)

They will hear from a top performing Merchant Services Sales Professional, who specializes in complex Integrations across all industries and emerging markets. Everyone is starting to get their credit card statements from the holidays, and they are freaking out over how much money they spent on gifts.  At the same time, SMBs who accept credit cards might be complaining because of steadily increasing fees on all of their credit card revenue.The financial services industry is in the midst of a significant transformation, which has been accelerated by the COVID-19 pandemic.  In light of the key role digitization plays in the financial lives of individuals and SMBs, electronic payments are at the heart of this transformation.We are joined by my friend, Bryan Ehrlich, Senior Territory Manager at Heartland Payment Systems.  Bryan will give some perspective on the world of Payments, discuss how businesses can streamline their efforts, potentially save money, and gain additional insight from their payment data.Bryan says, "Payments are supporting the development of digital economies and are driving innovation — all while functioning as a stable backbone for our economies."LinkedIn:  linkedin.com/in/bryan-ehrlich-2695296Website:  https://www.globalpayments.com/; https://www.heartland.us/Email:  bryan.ehrlich@e-hps.comTune in for this sensible conversation at TalkRadio.nyc or watch the Facebook Livestream by Clicking Here.Segment 1Steven kicks off the show by paying respect to MLK by reading quotes from some of his memorable speeches. Steven introduces his guest Bryan Ehrilich and the topics for today's episode. Bryan Ehrlich is Senior Territory Manager at Heartland Payment Systems. Bryan tells us a little about his journey and how he found his passion for sales while still in his teens. Bryan's determination and driven personality landed him opportunities that would help him through his career. Before the end of the segment, Steven and Bryan discuss the importance of loyalty and building a strong team in order to see success in your business. Segment 2 Coming back from the break, Steven talks about the significance of genuine client engagements. Understanding who you are working with and how you can serve them will only make your job easier.  Bryan tells us his perspective of the industry and how he markets for Heartland Payment Systems. He talks about how his focus is on partnerships and relationships. Getting to know his clients is bigger than cutting a check. Bryan likes to go beyond the standard representative and truly understand his clients. For Bryan it's never about the price, though he understands it's part of the business, it's miniscule compared to the whole vision. Before the break, Steven and Bryan talk more about loyalty and engaging with clients. Bryan's goal is to understand how clients take payments and how he can make their life easier. Segment 3Bryan tells Steven some industry stories he's experienced over the years. Steven talks about closing sales and potential sabotages. From the time you sell a deal you are met with a bunch of blocks in different ways, it could be a person or technology but an obstacle is always there. They talk about Terminals, a device where you can charge your clients electronically. Bryan shares the benefits of using these devices with your small business, but also the possible scams that can come along with it. Bryan talks about staying with Heartland, a company that plays by the book and follows the procedures and rules of the industry.Segment 4In the last segment, Bryan talks about the payment industry and it's push on technology. Expanding the business has only created more opportunities and stronger connections with clients. The best part of the job for Byran is really understanding a client's business and what they have to offer, only then can you provide the proper technology for what they need to do. Bryan shares that he has only excelled this far due to the amount of learning and teaching he has done for himself in merchandise and services. Before the end of the segment Steven reads the answers to his top three questions. 1. What's your favorite character? 2. What's your favorite movie? 3. What's your favorite instrument or artist? Steven also lets the audience know how you can find Bryan Ehrlich through linkedin and Bryan's website.

#minimumwage #restaurants ##FRLA https://frla.org/ In this podcast we discuss changes that restaurants should consider when adjusting to the cost increases from the rising minimum wage. John talks about positive experience he has had going from counter service and no tipped wages to full-service and tipped compensation model for his wait staff. Check out this episode to learn about what you should consider when adapting to the minimum wage increases. A veteran of Manatee County's hospitality industry for nearly 40 years, John Horne began his career working summers at Fast Eddie's Place while completing his Business Degree at Clemson University. He opened his own restaurant, Anna Maria Oyster Bar, on the City Pier in Anna Maria, FL in 1995. Four more restaurants followed and the AMOBs have become a well-known place to enjoy fresh, delicious seafood at a great value, served by a team of wonderful staff in a fun, family-friendly atmosphere. JH - Thanks for having me on. Glad to be here, glad to help represent the Florida Restaurant Lodging Association. CM - This is going to be great and John is from the, he's down in the Bradenton, Florida area. He's got four restaurants, the Anna Marie Oyster Bar, so he is basically at a destination location on the, you get to see the gulf coast too because you got an island restaurant, is that right? JH - We do. We're on the intercoastal on the Anna Marie Island in Bradenton Beach and so we're watching the dolphins jump every day. It's awesome. CM - What a great place to be and great food and great hospitality and service there so this is going to be awesome and before we get started with today's show, we want to make sure to give a special thanks to our sponsor Heartland Payment Systems. They have been awesome to sponsor this show, this podcast, so thank you Heartland. Heartland is the selected, the trusted source for payment solutions that they are representing the Florida Restaurant Lodging Association. So go to frla.org/Hearltand and you'll see all the information about them. They've got the answer for payment solutions. They also do payroll and human, human resource services. So check with Heartland. They're a great sponsor of the FRLA and they're a great sponsor of this podcast, so thank you so much, Heartland. So John, with that, let's get this thing going. So we know, this is a wave. So the wave is coming. There is a $15 per hour that's going to be implemented in the state of Florida where the increases have already started. They started in January and they're just gonna ramp up from there, so this is a fact. JH - It's, it's, it's coming on us. We're gonna have that tidal wave. It's gonna hit us hard starting September 30th and every year subsequent to the point where we're paying and you know we're already paying our back of the house people well over minimum wage. Nobody in the restaurant industry has ever not wanted to pay our people properly.

Rochelle is an experienced, tenured, and successful professional in all business solutions services and products. We discuss industry challenges, especially amidst this pandemic and global crisis. Negative impact with some retailers, but also growth in some industries. Take a listen to the many services and products Rochelle offers through Heartland Payment Systems, a Global payments company. For any immediate needs, please visit their website. www.heartlandpaymentsystems.com Thank you Rochelle for your time and great interview. This content is extremely valuable as businesses aim to re-open or relaunch. Adam --- Support this podcast: https://podcasters.spotify.com/pod/show/adam-lopez4/support

If you have ever wondered how to sell without making a cold call, this is the show for you. Dave Lorenzo and Pat Murphy have been friends for 30 years and they share KILLER Inside BS about sales and selling without ever making a cold call.You've got listen to this.About Pat Murphy603-387-3493 https://www.linkedin.com/in/patrick-murphy-5301131/patrick.murphy@e-hps.comPat supports Heartland's growth by working with financial institutions to add value with Heartland's expertise in electronic payments services, point of sale products and payroll services.The most rewarding part of his career at Heartland is removing obstacles and opening up opportunities so that he can truly make a difference in the lives of those he works with. 

We all know that serving families and communities is the primary focus of funeral service professionals but behind the scenes, there is a business to run. NFDA members can take advantage of our researched list of Endorsed Providers who can help guide you in many aspects of your business.  Guests Tim Bridgers, Senior Vice President of the Funeral Home and Cemetery Lending team at Live Oak Bank, and Kathleen Ervin, Senior Account Manager with Heartland Payment Systems (formerly known as TSYS), join our host, Gabe Schauf to discuss funeral finance issues.

While 2020 was a crap-show for many businesses, some actually did quite well….even dare to say, prospered!*****SUBSCRIBE/RATE/FOLLOW What's Your Problem? PODCAST:www.whatsyourproblempodcast.com Shay Horseman represents Heartland Payment Systems helping businesses with credit card processing and ecommerce payment solutions. For Shay, 2020 was like shooting fish in a barrel when the cash shortage started. What is Shay's problem?Shay struggles with cutting through the noise of everyone else who sells credit card processing. With his business being more of a long game sales scenario, tactical followup can be a challenge as well. Follow Shay:Shay Horsemanhttps://www.linkedin.com/in/shayhorseman Talking about the real problems (and possible solutions) of everyday business owners and professionals in and around Middle Tennessee and beyond...this is the What's Your Problem Podcast! WYP is recorded and shot in the Big Dot Lighting HQ in Spring Hill, TN.Big Dot Lighting - Commercial LED Lighting SpecialistsBig Dot Electrical, LLCwww.bigdotlighting.comwww.bigdotelectrical.comwww.bigdotinc.com WYP Intro VO: John David Wells

The pandemic has made it imperative for restaurants to completely rethink systems and processes. Payments are the starting point for any transaction, and in this environment, contactless options are critical. https://www.linkedin.com/in/tamalooney/ (Tama Looney) is a Brand Analytics and Customer Engagement Executive at https://event.restaurant.org/ee-finance-tax-audit#page-block-60hlsu4a8uv (Xenial) and our guest this week on Order Up. Tama discussed how the pandemic has changed what payments look like in restaurants, how restaurants are successfully coaxing customers to return, and why incentivizing employees to stay on amidst dangerous working conditions is key. Listen for actionable steps to keep both employees and customers safe. (01:05) - Tama Looney, Brand Analytics & Customer Engagement Executive at Xenial (02:32) - Industry-shifting changes (04:12) - Socially safe restaurants (05:29) - Huge shift to mobile (09:03) - Alleviating customer anxiety (11:17) - Sanitation meets technology (13:49) - Inventory management (17:04) - Challenges breed opportunity If you'd like to receive new episodes as they're published, please subscribe to https://www.restaurant.org/events/learning/podcasts/order-up (Order Up) in https://podcasts.apple.com/us/podcast/order-up/id1511211971 (Apple Podcasts), https://podcasts.google.com/?feed=aHR0cHM6Ly9mZWVkcy5zaW1wbGVjYXN0LmNvbS9IcFhHRHhqVQ (Google Podcasts), https://open.spotify.com/show/3SOAkud8tkbaLCaU8W4Ne5 (Spotify) or wherever you get your podcasts. If you enjoyed this episode, please consider leaving a review in https://podcasts.apple.com/us/podcast/order-up/id1511211971 (Apple Podcasts). It really helps others find the show. https://www.dante32.com/ (Podcast episode production by Dante32.)

Co-founders of Cactus, Noah Waxman, Head of Strategy, and Lucas Werthein, Head of Technology and Production, join the show to discuss the current state and future of retail. We discuss the evolution of retail, complexities, trends, and much more! Cactus is an experiential design firm working at the intersection of digital technology and physical architecture. Jordan Statt, Senior Director - Dealer Sales and Growth of Heartland Payment Systems, also shares his expertise and insight into trends in the retail industry. Project Spotlights: Nike NYC | New York, NY Nike Brazil | Rio de Janeiro & Sao Paulo, Brazil CLMBR Ever/Body | New York, NY Mira Cubic Sky Show Music: Intro - "Keep Calm and Chill" by Soundroll History - "You Are Someone Else Now" by Bonn Fields, "Living in a Fantasy" by Pulsed, "The Son of Zeus" by Sons Of Hades, and "Arise" by Jakob Ahlbom Outro - "As Real As It Gets" by Matt Large Photo by Artem Beliaikin from Pexels

Leadership isn't always the first word that comes to mind when you think about entrepreneurship. But it's funny because a mix of the two makes for a dynamic and winning combination. Tony Jalan, leadership development coach and sales leader, joins me for a conversation on intermixing the two, and the power it brings to bear. Growing up with little means in North Dakota, and the oldest of 9 children, his parents instilled a disciplined work ethic from a young age and learned that excuses were off the table. A certified John C. Maxwell performance coach and trainer, Tony also spearhead the growth in a sales division at Heartland Payment Systems from $300,000 per year into a multi-million dollar enterprise in less than three years and counting, plus been able to promote over a dozen people into leadership positions. For show notes and bonus resources visit Candacespears.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/candace-spears/message Support this podcast: https://anchor.fm/candace-spears/support

On today’s show, we are joined by Vince Lombardo, President of US Payments and Payroll Solutions at Heartland Payment Systems. Over the last two decades, Vince has seen Heartland grow from a startup to a global company with 4,000+ employees and has learned a thing or two along the way. Vince shares valuable lessons learned from his tenure at Heartland that not only relate to the post-COVID recovery but also how you choose to advance your revenue growth journey through any challenging circumstance.

Steve Ciabattoni is the co-founder and CEO of 360 Payments, a payment technology company located in the heart of Silicon Valley. Raised in Philadelphia, Steve is the son of a small business owner who had to work two jobs just to put food on the table.Living the struggles of small business ownership firsthand gave Steve tremendous respect for entrepreneurs and fueled his passion for serving the small business community. Fresh out of college and looking for sales experience, Steve took a 100% commission job with a large credit card processor called Heartland Payment Systems. Much to his surprise, he fell in love with the payments industry. In it, he saw a way to empower small business owners to take control of their financial futures as well as the opportunity to use cutting-edge technology to streamline the customer experience.The industry was far from perfect, however, and as Steve sought to offer his customers more transparency, better rates, and excellent customer service, he realized business owners deserved another option – a payment processor who offered all these things and more. After a successful three-year tenure with Heartland, Steve teamed up with his longtime mentor and friend, Lisa Coyle to start 360 Payments. Since its inception in 2011, 360 Payments has grown to process more than $2 billion in credit card transactions with clients across the United States. Nearly 1,000 automotive repair shops alone now trust 360 with their payment processing.360 stands out from the competition by offering full disclosure processing in a notoriously confusing and opaque industry, coupled with a very high level of customer service and a consultative approach to technology implementation. Steve is now focused on helping 360 integrate its Velox payment gateway technology with various shop management software systems in order to give independent automotive repair shops that “dealership feel” and improve their customer experience during the payment process. Steve currently resides in San Jose, CA, with his wife Michelle and their two young children.Talking points:Customer can approve a job on the phone so why not pay when complete via text messages Secured credit card data Adds a level of convenience for customers and able to spend more time with customers who opt-out of text to pay. This sets your shop apart from others Time is saved for service advisor and labor cost- can be working on other things for the shop ROI: $250-300 savings per month in labor cost based on 10% checkout Replacing manual transactions for phone transactions Text to Pay is a feature of doing business with you If a customer loves how you text status and inspection criteria, they will love the text to pay feature you offer Showing customers you are on the leading edge of technology. The card never leaves the customer’s hand and follow PCI compliance  (http://www.360payments.com) (https://www.360payments.com/texttopay/calc) Resources: Thanks to Steve Ciabattoni for his contribution to the aftermarket’s premier podcast. Link to the ‘BOOKS‘ page highlighting all books discussed in the podcast library  (https://remarkableresults.biz/books/) . Leaders are readers. Leave me an honest review on (https://airtable.com/tblOgQmbnkHekpl0L/viwSbPkieMNhLOmtK/recQNomCKr1D5I9x4) . Your ratings and reviews really help and I read each one of them. Love what we do, buy a cup of coffee (https://remarkableresults.biz/coffee/) . (http://eepurl.com/bhqME9) Be socially involved and in touch with the show: Speaking (https://remarkableresults.biz/speaking) Subscribe to a mobile listening app (https://remarkableresults.biz/app/)   (https://www.buymeacoffee.com/carm) The NAPA Smart Sign, previously known as Digital Menu Board, gives your shop a professional, state-of-the-art look and feel. It’s a great way to educate and inform your customers about needed...

The merchant acquiring industry continues its large scale shift from a payments-led to an operations-led purchasing decision for the merchants it serves. Historically based on independent sales organizations (ISOs) and non-bank acquirers, the party that increasingly provides payment acceptance is the independent software vendor (ISV). This makes sense for a number of reasons: Software is Vertical. Today, the first IT choice more merchants make is the software they use to run their business. This makes sense. Tools that improve overall business operations have a greater impact on success than the comparatively minor differences among payment providers. Auto parts stores need inventory management. Salons need scheduling. Ice cream and coffee shops need quick order entry. Daycare providers need security controls. Payments are Horizontal. Every merchant, regardless of its segment, needs to take payments. While many segments have particular requirements for payments, payment acceptance alone is a commoditized service. The ISV is the First Point of Contact. Given its primary role, the ISV has moved into an excellent position to sell and profit from payment acceptance. Taking a Back Seat in Selling, Payments is Infrastructure. The payments industry has multiple ways of enabling ISVs to sell payments. The ISV may use a gateway to reach multiple acquirers with the gateway itself selling value-added capabilities in areas like fraud management. The ISV may use the payfac model for fast onboarding of new merchants. The ISV may, itself, become an ISO. Multiple forms of business relationship all provide some measure of revenue sharing with the ISV. Differentiation in Payments Via New Paths Differentiation based on value-added services drive revenue in payments. For that reason, we have seen non-bank acquirers and ISOs focus on particular vertical market segments to drive and secure long term revenues. A decade and more ago, Heartland Payment Systems (acquired by Global Payments) doubled down on the restaurant vertical by developing special services for restaurant operators as well as acquiring restaurant-focused ISVs. That lesson has been learned by many since. Over the last few years, differentiation has also stemmed from how well the payments provider serves the ISV and its developers. Integration of payment services both into the ISVs code and within the provider’s own code base is important. A single API that exposes all of a provider’s services is preferable to integration work requiring knowledge of an API tied to each function. Micro-services based capability is also welcome. Payment Facilitation as Enabler While not, in and of itself, a new approach, the payment facilitation model is a major enabler of payment service delivery via ISVs. The payfac model is based on network rules that allows an intermediary to act as the merchant of record in order to provide payment system access to smaller merchants. PayPal did this first for ecommerce merchants. Stripe is another card not present example. Square used the payfac model to offer sellers in the physical world access to card acceptance. ISVs who become payfacs assume responsibility for the activity of their small merchant customers. So, choosing to become a payfac has its complexities and risks. A number of providers, including Finix, bring expertise in the payments facilitation model to help ISVs make that decision. In this Payments on Fire®, take a listen to Glenbrook’s Nicole Pinto, Drew Edmond, and Finix CEO and founder Richie Serna as they discuss the payfac phenomenon and the larger shift to the ISV as payments provider. This is a cool conversation about a sea change event in the merchant services industry. 

In this show, I discuss some reasons why relationship selling is so effective, no matter what your product or service is. If you want to know how to win a client, there are a couple of approaches that you can try; however, only one will help you be more successful.I've worked with Pat Murphy of Heartland Payment Systems since 2008. During that time, we've had many conversations about the ways to sell credit card processing. I use that company as a case study to demonstrate the effectiveness of relationship selling.The way most people do it is to go into one store after another – one pizza shop after another. You knock on doors and ask the owner if they want to save money on credit card processing. This transactional approach to selling focuses on the product that you're offering. You talk about the benefits and features and hope that the client will be interested. This approach can work for some people but if you really want to know how to win a client, I think there's a better way.The other way is the consultative sales approach. This approach demonstrates why relationship selling works because you first get to know the business owner. Once you get to know them, you introduce him/her to people who can do business with them or people who can solve a problem. This way, you're offering value before you've even made a deal. Rather than knocking on the door of a business and immediately talking about your credit card processing, you start with rapport, which leads to trust.This is the perfect illustration of how to win a client using relationships. The reason why relationship selling is effective is that it allows you to demonstrate your value. If it works with credit card processing, it can work in any business.Learn more about your ad choices. Visit megaphone.fm/adchoices

In this show, I discuss some reasons why relationship selling is so effective, no matter what your product or service is. If you want to know how to win a client, there are a couple of approaches that you can try; however, only one will help you be more successful. I’ve worked with Pat Murphy of Heartland Payment Systems since 2008. During that time, we’ve had many conversations about the ways to sell credit card processing. I use that company as a case study to demonstrate the effectiveness of relationship selling. The way most people do it is to go into one store after another – one pizza shop after another. You knock on doors and ask the owner if they want to save money on credit card processing.  This transactional approach to selling focuses on the product that you’re offering. You talk about the benefits and features and hope that the client will be interested. This approach can work for some people but if you really want to know how to win a client, I think there’s a better way. The other way is the consultative sales approach. This approach demonstrates why relationship selling works because you first get to know the business owner. Once you get to know them, you introduce him/her to people who can do business with them or people who can solve a problem. This way, you’re offering value before you’ve even made a deal.  Rather than knocking on the door of a business and immediately talking about your credit card processing, you start with rapport, which leads to trust. This is the perfect illustration of how to win a client using relationships. The reason why relationship selling is effective is that it allows you to demonstrate your value. If it works with credit card processing, it can work in any business. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the B2U Podcast, payment processing experts, Brian Boxell and Kel Hodel of Heartland Payment Systems give tips every business owner should know about payment processing and POS systems.

In this episode of the B2U Podcast, payment processing experts, Brian Boxell and Kel Hodel of Heartland Payment Systems are back, discussing how to choose the correct POS system, a trusted payment processor, and pricing models for your small business.

The Do This Sell More Show began as a weekly interview between Dave Lorenzo and a special guest. In this show Dave's guest is Patrick Murphy of Heartland Payment Systems.In this episode, Dave and Pat discuss: The power of having an external orientation.  Why relationship sales is better than transactional sales. How to attract more referrals and build relationships with referral sources. The power of a great networking group and networking meetings. Key Takeaways and actionable tips: Have a strong pipeline by having a minimum of 5 first time appointments each week.  Cultivate referral sources.  Discipline yourself, force yourself, to be out and selling. Think about strategic networking partners, not just your usual contacts. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Do This Sell More Show began as a weekly interview between Dave Lorenzo and a special guest. In this show Dave's guest is Patrick Murphy of Heartland Payment Systems. In this episode, Dave and Pat discuss: The power of having an external orientation.  Why relationship sales is better than transactional sales. How to attract more referrals and build relationships with referral sources. The power of a great networking group and networking meetings. Key Takeaways and actionable tips: Have a strong pipeline by having a minimum of 5 first time appointments each week.  Cultivate referral sources.  Discipline yourself, force yourself, to be out and selling. Think about strategic networking partners, not just your usual contacts. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the B2U Podcast, payment processing experts, Brian Boxell and Kel Hodel of Heartland Payment Systems are back, discussing how to choose the correct POS system, a trusted payment processor, and pricing models for your small business.

In this episode of the B2U Podcast, Brian Boxell and Kel Hodel of Heartland Payment Systems give tips every business owner should know about payment processing and POS systems.

Enjoy this episode Meet Sarah Bauer Sarah is a card processing specialist with Heartland Payment Systems.  She specializes in working with business owners that want to understand the true cost of taking electronic payments, being secure in doing so as well as working one on one to help them leverage all the data from credit cards to grow their business. (https://www.localfirstpodcast.com/wp-content/uploads/2019/01/Head-Shot-Aug-20171.jpg) She’s a native of Minnesota, has a BA from St. Norbert College, has authored numerous papers and hosted industry specific events to help grow manufacturing commerce in SE Wisconsin.  She has further invested in eCommerce and payments security training to best help growing businesses and entrepreneurs. Her career has evolved from Event Planning to Industrial Equipment Sales and now into Payment Processing with an underlying theme of helping others grow and giving them the resources they need to so.  Its probably no coincidence that Heartland Payment Systems’ credo is Entrepreneurs Respectfully Serving Entrepreneurs which mirror her mantra and outlook on life and career. Her young family lives in the Milwaukee, WI area and she personally enjoys travel, HIIT training, and downhill skiing. Sarah Bauer Relationship Manager – Card Processing Specialist Contact Sarah Phone: 262-955-5865 Email: sarah.bauer@e-hps.com My favorite takeaways from this week’s episode: The 5-second rule We need to bring more humor into our lives You must believe in the product you are selling No is a very powerful word It takes guts to be an entrepreneur Recommended Book: The (https://amzn.to/2RvP2oJ) Go Giver Ego Is the Emeny (https://amzn.to/2Rs99nP) Sponsors Love the podcast? Sign up for listener support (https://www.paypal.com/donate/?token=meRj5eLgZJUhKpnrjgEssosEnFZmyuGnN5GDB6pvkWcXZG_tee5SDOCK2BYCnuj6tPavTW&country.x=US&locale.x=US) , you’re basically buying me a coffee each month. (https://trinergyhealth.com) Mental Wellness Re-imagined EXACTA Corporation (https://myexactamundo.com/WP1/) Think Possibilities Think EXACTA   Be the first to be notified of new interviews     Support this podcast

Restaurant payments is a complex area especially for those companies serving the mid-sized and large restaurant operator. They have different needs that extend well beyond payment acceptance but even that is a highly variable concern. Ever notice that we pay differently depending upon the type of restaurant we’re in? It’s always been walk up and pay the central server at McDonalds. Applebees uses Presto table top devices to speed table turns, upset desserts (“that lava cake sure looks good”) and take payments. At most sit-down establishments, especially those in the fine dining segment, we still hand over our cards and the server walks away to authorize the transaction (later that night, the manual tip adjustment process determine the final clearing amount.) For certain segments, order ahead is a priority. Order ahead dominates how pizza shop operate. Initially, that capability took market share from mom and pop pizza shops because only the largest operators in the “Big Pizza” segment could afford the necessary IT expertise. Now, mom and pop have multiple order ahead services to choose from. But consider the complexities of integrating the order into the kitchen or at the barista’s station. Business process automation is a differentiator. This podcast with Tim McKenna, VP of Sales, at Heartland Payment Systems, is both a deep dive into restaurant operator concerns and a revealing look into how a major payments provider has shifted its business model to serve mid-tier and larger restaurant operators. Like Square, Heartland has realized the revenue benefits of expanded commerce services above and beyond the traditional payments revenue stream. By cross selling multiple services, Heartland expects to see 60% of its revenues coming from payments coupled with value-added services that automate the business of their customers. If you’re interested in how the payments industry is evolving to market demands or how larger restaurant operators think about payments, Tim’s observations are well worth your time. Take a listen.

Some people consider employee engagement as a soft strategy that doesn't really move the needle in sales. Ryan Joswick, VP of sales at Heartland Payment Systems is not one of those people. In this episode, Ryan talks about why employee engagement matters, what it means to coach on strengths, and how hiring the right people can make all the difference between winning and losing.

Nutan Patel of Heartland Payment Systems will share experience as a sales professional, payment system rep and business person. === Hispanic Chamber Connection is Sponsored By Amell Insurance Agency : www.amellagency.com/ === Sponsor and Contact [...]

On this episode of Transaction Trending: a conversation on the past, present and future of the payments industry with Robert Carr, founder of Heartland Payments Systems and CEO of Beyond, a new payments company. With a background in computer science and programming, Carr has been a leader in the payments technology industry for over 30 years. In 1997, Carr founded Heartland Payment Systems, which went public by 2005 and by 2016, Heartland was the sixth largest payments processor by volume in the United States. Heartland Payments Systems was acquired by Global Payments Inc. in 2016 in a multi-billion-dollar deal. A founding member of the Bankcard Services Association, today known as ETA, Carr is a longstanding leader in the payments industry. Carr is also the author of several books and the champion of many philanthropic causes, particularly in the area of education. In 2017, he founded Beyond, a new payments company that has quickly grown and found success in its first year. Carr joins ETA CEO Jason Oxman this week on Transaction Trending to discuss his perspective on the history and future of the payments industry, his new company Beyond, as well his philanthropic work.

Guest Rick Holliday a.k.a. Thermon "Rick" Holliday joins the podcast to talk about the importance of small businesses setting up a solid payroll system for their employees. He talks specifically about his company, Heartland Payment Systems and the tax implications that can occur if an employer doesn't make plain the working status of it's employees as it pertains to paying proper taxes at the end of the fiscal year. This podcast episode is chalk full of valuable information for small and large business owners who want to shore up their HR department and guarantee employee and government satisfaction.

Wholesaling SFRs in 2018 by the Numbers Transcript:  Jack Butala:                       Jack and Jill here. Jill DeWit:                           Hi! Jack Butala:                       Welcome to the show today and this episode. Jill and I talk about ... Well, it's really me who's gonna talk. Wholesaling SFR's in 2018 by the numbers. How I like it. Jill DeWit:                           I'm going to try to make it somewhat entertaining. Jack Butala:                       Before I get into it, let's take a question posted by one of our members on the landinvestors.com online community. It's free. Jill DeWit:                           Okay. Jason asks, "When it comes to selling property, would you recommend letting the seller pay with credit card? If so, what is the best credit card service that you recommend to use and get the best use out of it? Wouldn't it be easier to just completely avoid credit cards?" I think they mean buyer ... Jack Butala:                       I have so much to say about this. Jill DeWit:                           'Cause sellers aren't usually paying. You're paying a seller. So, I'm assuming he means buyers. Jack Butala:                       Let me be incredibly clear, and I'm not joking around. Jill DeWit:                           Right. Jack Butala:                       You absolutely have to take credit cards. Jill DeWit:                           Yup. Jack Butala:                       It is a game-changing, business-changing event. If you do not accept credit cards, you're going to lose 80% of your buyers. People are used to buying stuff online and real estate's no different. Jill DeWit:                           Yup. Jack Butala:                       Here's the problem. Credit card companies do not like the risk associated with real estate, in fact, they'll cut you off. Until now, Jill and I have spent over a year dealing with a company called Heartland Payment Systems. They are the bank, or processor that's in between Visa, MasterCard, American Express, and credit card companies like Apple Pay, BluePay, Stripe, PayPal, they literally are behind PayPal, so ... Jill DeWit:                           Now they're behind us. Jack Butala:                       They're behind us, so Jill and I asked them to develop a department, an individual department to manage the people for real estate. If you call Heartland, you're going to have to go through what we went through ... Jill DeWit:                           A year- Jack Butala:                       ... which took a year, or you can call- Jill DeWit:                           A year and a lot of no's. Jack Butala:                       We're about to put it on landinvestors.com, instructions on who to call there. On the landinvestors.com website, but if you email either one of us, I'll send you ... In fact, just email me jack@landinvestors.com and I'll just get you pointed to the exact person that they have that's going to handle this, that is handling it for everybody. We've got multiple people per day signing up for this, so ... this is not meant to be a commercial. Honestly, it's just really timely. 40% ... no 60% less than actually Stripe is ... and Stripe is the best. We've been using Stripe for quite some time but they've made it known recently that they do not want to process real estate transactions online, so we think we've solved it. Jill DeWit:                           Yep. You need to do that. Jack Butala:                       You need to do it. Jill DeWit:                           Back to what he's saying. Here's my thing, too- Jack Butala:                       We don't make any money on this, by the way, we're just trying to help. Jill DeWit:                           Because you want them to pay online, it's just the easiest thing. Worst case scenario, if you're new and you're starting out, let's put it this way, you're new, you're starting out,

Wholesaling SFRs in 2018 by the Numbers Transcript:  Jack Butala:                       Jack and Jill here. Jill DeWit:                           Hi! Jack Butala:                       Welcome to the show today and this episode. Jill and I talk about ... Well, it's really me who's gonna talk. Wholesaling SFR's in 2018 by the numbers. How I like it. Jill DeWit:                           I'm going to try to make it somewhat entertaining. Jack Butala:                       Before I get into it, let's take a question posted by one of our members on the landinvestors.com online community. It's free. Jill DeWit:                           Okay. Jason asks, "When it comes to selling property, would you recommend letting the seller pay with credit card? If so, what is the best credit card service that you recommend to use and get the best use out of it? Wouldn't it be easier to just completely avoid credit cards?" I think they mean buyer ... Jack Butala:                       I have so much to say about this. Jill DeWit:                           'Cause sellers aren't usually paying. You're paying a seller. So, I'm assuming he means buyers. Jack Butala:                       Let me be incredibly clear, and I'm not joking around. Jill DeWit:                           Right. Jack Butala:                       You absolutely have to take credit cards. Jill DeWit:                           Yup. Jack Butala:                       It is a game-changing, business-changing event. If you do not accept credit cards, you're going to lose 80% of your buyers. People are used to buying stuff online and real estate's no different. Jill DeWit:                           Yup. Jack Butala:                       Here's the problem. Credit card companies do not like the risk associated with real estate, in fact, they'll cut you off. Until now, Jill and I have spent over a year dealing with a company called Heartland Payment Systems. They are the bank, or processor that's in between Visa, MasterCard, American Express, and credit card companies like Apple Pay, BluePay, Stripe, PayPal, they literally are behind PayPal, so ... Jill DeWit:                           Now they're behind us. Jack Butala:                       They're behind us, so Jill and I asked them to develop a department, an individual department to manage the people for real estate. If you call Heartland, you're going to have to go through what we went through ... Jill DeWit:                           A year- Jack Butala:                       ... which took a year, or you can call- Jill DeWit:                           A year and a lot of no's. Jack Butala:                       We're about to put it on landinvestors.com, instructions on who to call there. On the landinvestors.com website, but if you email either one of us, I'll send you ... In fact, just email me jack@landinvestors.com and I'll just get you pointed to the exact person that they have that's going to handle this, that is handling it for everybody. We've got multiple people per day signing up for this, so ... this is not meant to be a commercial. Honestly, it's just really timely. 40% ... no 60% less than actually Stripe is ... and Stripe is the best. We've been using Stripe for quite some time but they've made it known recently that they do not want to process real estate transactions online, so we think we've solved it. Jill DeWit:                           Yep. You need to do that. Jack Butala:                       You need to do it. Jill DeWit:                           Back to what he's saying. Here's my thing, too- Jack Butala:                       We don't make any money on this, by the way, we're just trying to help. Jill DeWit:                           Because you want them to pay online, it's just the easiest thing. Worst case scenario, if you're new and you're starting out, let's put it this way, you're new, you're starting out,

Branding Yourself as a Real Estate Investor (CFFL 574) Transcript:  Jack Butala:                       Jack and Jill here. Jill DeWit:                           Good day. Jack Butala:                       Welcome to the show today. In this episode, Jill and I talk about branding yourself as a real estate investor. Before we get into it, let's take a question posted by one of our members on our landinvestors.com online community, it's free. Jill DeWit:                           Okay, Merritt asks, "I know Stripe seems to be the default," I'm gonna put in parentheses is a way of accepting credit card payments, that's what Stripe is, "but how are others setting up their accounts when they specifically ask you what you're selling and what kind of business you're in. I was thinking that being totally straight up with them would flag you as the get go as real estate transactions are prohibited, right? Are you coming up with a gray zone description such as 'tree and dirt collections in Northern Oregon'?" This is hilarious. "Or wholesale dirt and soil futures?" This is good stuff, man. That's another thing I want on my shirt. "I've seen so much conflicting information from investors, I want to come straight to the source." Seriously, "wholesale dirt and soil futures," Merritt, I want a shirt. That's awesome. Jack Butala:                       Wholesale dirt. Jill DeWit:                           "I buy and sell dirt and soil futures." Jack Butala:                       So, all kidding aside, we're gonna be serious just for a couple minutes here. This has been a massive problem in this industry since the very beginning. Jill DeWit:                           Of time. Jack Butala:                       Since the beginning of purchasing and selling real estate. Credit card processors don't like it, and we think we've found the answer. This is an incredibly timely question. So, we've negotiated a deal with Heartland Payment Systems, which is one of the largest credit card processors in the country. You probably don't know they're name because they're the company behind companies like Blue Pay and Stripe and things like that. Stripe and Blue Pay are just payment gateways, but the processors, it's all complicated and I don't want to get into it now. Jill DeWit:                           There's only a handful and the government won't let any more. Jack Butala:                       Exactly. Insurance is behind it all, and they see a real estate acquisition as a little bit riskier than purchasing a stereo, for example, online. Or anything else that you would buy online that gets shipped to you. So, Heartland has seen their way through it after, I think Jill and I have been working on this for a year. Jill DeWit:                           Yeah, at least. Jack Butala:                       So, we've asked them to set up people on their end specifically to process our members' requests without lying, without saying, "Yeah, we purchase and sell land and we process it online." So, reach out to us and we will give you, there's an actual, a procedure that you have to go through to apply, but the good news is that, you know, the procedure, they're all set up and they're ready to answer your questions and ready to deal with the whole thing. Jill DeWit:                           It's all property types, too, by the way. We're working fast to solve this for everybody. Jack Butala:                       It's solved. I received an email yesterday. I didn't tell you that. Jill DeWit:                           No, you didn't tell me that. Jack Butala:                       We have a- Jill DeWit:                           I just wrote myself a note, I'm like, "Is the deal ready? What can we do? All right." Jack Butala:                       There's a number that, there's like a serial number that you need, and you need to process it through one person to get it through the system. Again,

Branding Yourself as a Real Estate Investor (CFFL 574) Transcript:  Jack Butala:                       Jack and Jill here. Jill DeWit:                           Good day. Jack Butala:                       Welcome to the show today. In this episode, Jill and I talk about branding yourself as a real estate investor. Before we get into it, let's take a question posted by one of our members on our landinvestors.com online community, it's free. Jill DeWit:                           Okay, Merritt asks, "I know Stripe seems to be the default," I'm gonna put in parentheses is a way of accepting credit card payments, that's what Stripe is, "but how are others setting up their accounts when they specifically ask you what you're selling and what kind of business you're in. I was thinking that being totally straight up with them would flag you as the get go as real estate transactions are prohibited, right? Are you coming up with a gray zone description such as 'tree and dirt collections in Northern Oregon'?" This is hilarious. "Or wholesale dirt and soil futures?" This is good stuff, man. That's another thing I want on my shirt. "I've seen so much conflicting information from investors, I want to come straight to the source." Seriously, "wholesale dirt and soil futures," Merritt, I want a shirt. That's awesome. Jack Butala:                       Wholesale dirt. Jill DeWit:                           "I buy and sell dirt and soil futures." Jack Butala:                       So, all kidding aside, we're gonna be serious just for a couple minutes here. This has been a massive problem in this industry since the very beginning. Jill DeWit:                           Of time. Jack Butala:                       Since the beginning of purchasing and selling real estate. Credit card processors don't like it, and we think we've found the answer. This is an incredibly timely question. So, we've negotiated a deal with Heartland Payment Systems, which is one of the largest credit card processors in the country. You probably don't know they're name because they're the company behind companies like Blue Pay and Stripe and things like that. Stripe and Blue Pay are just payment gateways, but the processors, it's all complicated and I don't want to get into it now. Jill DeWit:                           There's only a handful and the government won't let any more. Jack Butala:                       Exactly. Insurance is behind it all, and they see a real estate acquisition as a little bit riskier than purchasing a stereo, for example, online. Or anything else that you would buy online that gets shipped to you. So, Heartland has seen their way through it after, I think Jill and I have been working on this for a year. Jill DeWit:                           Yeah, at least. Jack Butala:                       So, we've asked them to set up people on their end specifically to process our members' requests without lying, without saying, "Yeah, we purchase and sell land and we process it online." So, reach out to us and we will give you, there's an actual, a procedure that you have to go through to apply, but the good news is that, you know, the procedure, they're all set up and they're ready to answer your questions and ready to deal with the whole thing. Jill DeWit:                           It's all property types, too, by the way. We're working fast to solve this for everybody. Jack Butala:                       It's solved. I received an email yesterday. I didn't tell you that. Jill DeWit:                           No, you didn't tell me that. Jack Butala:                       We have a- Jill DeWit:                           I just wrote myself a note, I'm like, "Is the deal ready? What can we do? All right." Jack Butala:                       There's a number that, there's like a serial number that you need, and you need to process it through one person to get it through the system. Again,

Steve Ciabattoni is the co-founder and CEO of 360 Payments, a payment technology company located in the heart of Silicon Valley. Raised in Philadelphia, Steve is the son of a small business owner who had to work two jobs just to put food on the table. Living the struggles of small business ownership firsthand gave Steve tremendous respect for entrepreneurs and fueled his passion for serving the small business community. Fresh out of college and looking for sales experience, Steve took a 100% commission job with a large credit card processor called Heartland Payment Systems. Much to his surprise, he fell in love with the payments industry. In it, he saw a way to empower small business owners to take control of their financial futures as well as the opportunity to use cutting-edge technology to streamline the customer experience. The industry was far from perfect, however, and as Steve sought to offer his customers more transparency, better rates, and excellent customer service, he realized business owners deserved another option – a payment processor who offered all these things and more. After a successful three-year tenure with Heartland, Steve teamed up with his longtime mentor and friend, Lisa Coyle to start 360 Payments. Since its inception in 2011, 360 Payments has grown to process more than $2 billion in credit card transactions with clients across the United States. Nearly 1,000 automotive repair shops alone now trust 360 with their payment processing. 360 stands out from the competition by offering full disclosure processing in a notoriously confusing and opaque industry, coupled with a very high level of customer service and a consultative approach to technology implementation. Steve is now focused on helping 360 integrate its Velox payment gateway technology with various shop management software systems in order to give independent automotive repair shops that “dealership feel” and improve their customer experience during the payment process.  Steve currently resides in San Jose, CA, with his wife Michelle and their two young children. Talking Points: EMV means Euro Master Visa (The Chip Card) In 2015 a regulation came out to use chip card readers. If you do not use the chip reader, you may not have recourse against a challenge because of the Visa/Master Card responsibility shift. MC/VISA are forcing shop owners to upgrade to chip readers. Shop owners will not turn down the transaction with a good customer even if you don’t have a chip card reader. With security breaches, happening almost weekly, you cannot afford credit card data hitting your SMS (Shop Management System). Shops need to have a professional process in place to accept cards through an integrated process with their SMS. With integrated systems, the SMS will communicate the transaction amount to a terminal and the credit card machine will communicate to the processor. New devices cost about $300 – $400. You can also get signature capture integrated to SMS. Just one chargeback will make it all worth it. Do not lease a credit card machine. Steve does not believe in a credit card contract unless they are getting a credit card machine. (like a cell phone) Read contract. Verify termination fees, they can be exorbitant. Look for no termination fees. Payment processing costs: There are hundreds of credit cards with many different rates. Processing company will bucket all fees. Look for ‘Cost Plus Pricing’ or ‘Interchange Plus Pricing’ You are seeing the true wholesale cost of every card then you get their processing markup. Most companies will charge a PCI fee. A Payment Card Industry fee. You may get a monthly penalty if you don’t complete an SAQ (Self-Assessment Questionnaire) Must be completed on an annual basis. No penalty now from MC/VISA But some processors are going to charge you a monthly penalty if you don’t complete this on a yearly basis.

Our special guest on this week’s episode of “Spotlight on Kenosha County Business” is Kelly Burris of Heartland Payment Systems.

This episode I have Kacie Long from Heartland Payment Systems on the show. I brought Kacie on for a number of reasons.  She has been with Heartland for 9 years and has a great deal of sales, marketing and management experience in a very challenging field.   Kacie offers a product that many business owners […] The post None of my Business S2:E7- Kacie Long appeared first on Dietz Agency.

ENJOY THIS EPISODE: With Economy crashing in 2010, Chrissy Mayhew left her husband’s construction company and began working with Heartland Payment Systems. She was a client of Heartland’s for two years so she knew the product extremely well. She realized working with Heartland Payment Systems allowed her to be flexible and help other business owners...

[headline tag=”div” css_class=”h2″ color=”color2″]Story: Double Agent (2:00)[/headline] In 2008 Heartland Payment Systems discovered it was the victim of a breach that equated to approximately 130 million credit cards stolen.  At the time, it was the largest company breach and was directly the cause of a SQL injection vulnerability found on the company’s website established nearly […] The post Show 1: Double Agent appeared first on Lock Me Down.

Deb Evans, President Franchise Foundry and Jack Monson, Global Director Manalto are joined by Skyler Fox, Software Development Manager of Heartland Payment Systems. Skyler will share the what, why and how of EMV technology and the importance to franchisors, franchisees and consumers. Follow Deb, Jack and Skyler on Twitter. Join the Facebook conversation. Visit Social Geek Radio

Every payment pro in the US is also a shopper and we all know that the largest retailers are poised to support EMV. Nearly all have EMV capable hardware. A few have turned it on. Most are waiting for the October liability shift so the temporary pain and awkwardness of clerk and consumer confusion is spread across everyone.    But what about the small and medium business (SMB) market? Mike English, VP of Product Development, at Heartland Payment Systems has a front line view on the EMV transition of its SMB customers. Take a listen as Mike discusses EMV, the future of contactless and the NFC evolution. Mike also discusses how Heartland is thinking about omnichannel payments and commerce, proving that the definition of “payment processor” is morphing far beyond its traditional remit.   

When you think of telecom you think of names like Sprint, Verizon, or AT&T.  But there are other players like Troy McCracken who tells us his how he started Spectrum Networks, a different kind of telecom business saving money and bringing efficiencies to small and mid-sized businesses.  Also joining us is Rachel Cohen of Heartland Payment Systems, a company that also brings costs down in the areas of payroll and card processing systems.     rachel.meeks@e-hps.com    or  513.318.8875       www.3spectrum.com    or landline: 513.697.2000    

** There is a special gift for our listeners in this episode, from our friends at InfoSec World 2015! Listen to find out how you can go for free.  We have a promo code! CLD15/RABBIT – 15% off for “Down the Rabbit Hole” listeners Topics Covered Google picks up really big rocks, but lives in a glass house. As Google drops zero-day on Apple and Microsoft they respond with a lame excuse as to why they aren't patching a vulnerability that puts north of 60% of all Android users at risk. http://m.v3.co.uk/v3-uk/news/2389839/google-puts-60-percent-of-android-users-at-risk-with-webview-security-changes http://www.extremetech.com/mobile/197346-google-throws-nearly-a-billion-android-users-under-the-bus-refuses-to-patch-os-vulnerability http://www.eweek.com/security/google-project-zero-continues-its-microsoft-zero-day-assault.html http://www.zdnet.com/article/googles-project-zero-reveals-three-apple-os-x-zero-day-vulnerabilities/ Marriott reverses its decision to block guests' personal WiFi devices at their properties http://threatpost.com/marriott-agrees-to-stop-blocking-guest-wifi-devices/110441 LabMD's request to have an enforcement action against them by the Federal Trade Commission is denied. While this doesn't necessarily mean anything serious, yet, it's definitely one to watch. http://healthitsecurity.com/2015/01/23/ftc-healthcare-data-breach-case-v-labmd-continues/ Heartland Payment Systems - yes the company that was the posted child for nearly going out of business because of a horrible breach - is continuing to reinvent itself around security, this time making headlines with an offer of a data breach warranty. Strings, as you may suspect, attached. http://www.cspnet.com/industry-news-analysis/technology/articles/heartland-offering-data-breach-warranty http://www.businesswire.com/news/home/20150112005260/en/Heartland-Offer-Comprehensive-Merchant-Breach-Warranty Watch this podcast page later this week for that freebie Michael told you about!

Introduction In today's Creating Wealth Show, Jason Hartman takes the chance to go over one of the main themes of this year's Meet the Masters event: Alignment and Empowerment.  He brings up the issue of property managers and how getting the right agreement with your property manager can bring you the sort of empowerment you should be enjoying as an investor.  Later he discusses changing technology and how that's affecting the way we now pay for things with CEO and Founder of Heartland Payments Systems, Robert Carr. Every aspect of our world seems to be at the hands of scientists and inventors striving to change how we do things, and money and payments are just the latest point of interest.   Key Takeaways 01.22 – Mortgage rates are currently historically low. Take advantage and make a new asset for yourself. 04.30 – The new Creating Wealth Show format will give you a chance to look back over Jason Hartman's back catalog and get access to some interesting content. 08.40 – You need to find a way of empowering yourself, and alignment is the perfect way to do it. 14.20 – Income property doesn't have an end-date. It sits there, producing wealth, for as long as you need it. 18.52 – You need to find a way of making your property manager agreement work for all parties involved. 28.06 - With the world being digitalized and modernized, it was only a matter of time before it changed the way we pay for things too. 33.05 - A truly cashless world seems a long way off, but we're definitely on the road to it. 36.55 - Robert Carr describes the ups and downs experienced by Heartland Payment Systems. 41.36 - It's amazing when you think how far we've come with technological advances, and how far we can still go. 43.00 - PayPal has always been the leading company in this market, but where does it stand now? 45.35 - It's not just the business side; Robert Carr has made a huge difference to 250 kids' lives through his Give Something Back Foundation. 50.57 - Find out more about Robert and his book on the blog site: www.RobertOCarr.com 51.42 - Fundamentally, if you don't have repeat customers or recommendations, you don't have a business.   Mentioned in this episode   Through The Fires: An American Business Story of Turbulence, Triumph and Giving Back by Robert Carr.

Heartland Payment Systems has successfully leveraged software-assurance tools and best practices to drive better security within its IT organization -- and improve its overall business performance. In this podcast, Ashwin Altekar, director of enterprise risk management at Heartland, shares his insights and knowledge with Amir Hartman, the founder and managing director at MainStay. They discuss how Heartland has improved governance results across the organization, thanks to both security best practices and HP's Fortify tools.

The Value Guys! Stock Clip: $HPY

Host Kevin Willett is joined by Keith Galvin from Heartland Payment Systems to discuss how Heartland Payment Systems offers Payroll, Credit Card Processing, Electronic Check Deposit to any size business Audio file:  keithgalvin.mp3

Synopsis   On this edition of the podcast, Kris Herrin joins me from the ISSA International Conference to talk about his unenviable role as Chief Information Security Officer of Heartland Payment Systems during one of the most epic data breaches in history.  For those of you who didn't live in a cave - Kris and his organization turned the ship around ...not only that - this incident was used to help the organization find religion in Information Security and sound risk management practices.  Now as Heartland leads the payment industry in security - Kris talks about his ascention through the tanks to CTO, and how getting in front of the bull made all the difference.   You do not want to miss this episode! Guest Kris Herrin:  Mr. Herrin is a recognized technology and security executive with international leadership experience in large and small publically traded companies. Leveraging an extensive history of security, audit, and governance, he brings high energy and a risk-based view to delivering secure and reliable technology solutions to business problems. Mr. Herrin’s experience includes transforming traditional IT into a mature, ITIL-oriented service organization, building domestic and Asia-based organizations, and IT crisis management.

Heartland Payment Systems a credit card processor may have had up to 100 million records exposed to malicious hackers. Payment processors CheckFree and RBS Worldpay and employment site Monster.com have all reported data breaches in recent months as have universities and government agencies. Experts at Wharton say that personal data is increasingly a liability for companies and suggest that part of the solution may be minimizing the customer information these companies keep. See acast.com/privacy for privacy and opt-out information.