Unlocking The Potential of Mobile Payments | Mobile Payment Processing | B2B Vault | Episode 152

Yo, what's up everybody? It's Justin live from B2B Vault, the payment technology podcast sponsored by Nationwide Payment Systems, hosted by this guy, the Dan Marino of payment processing himself, Allen Kopelman. And we'll be providing you educational information about fintech, payment processing, small business, and the technology businesses are using in the world today. And in today's podcast, we'll be talking about mobile payment processing and how the changes can affect your small business, why you should be using mobile payments, how it can increase sales. Uh, just— there's a bunch of good positives for mobile payments. And why your business should be using it. We offer a lot of different options for different mobile options for businesses. So yeah, anyway, you know, today, this week, it is a Friday for us, you know, as we're recording this podcast. Not sure when it will be published, but yeah, it's weekend. Yay! Really looking forward to the weekend this week. Other than that, this week was pretty cool.

Um, yeah, this week, the World Baseball Classic.

We got to— Allen was nice. He took us out to lunch for Women's Appreciation Day and then after— and Employee Appreciation Day, because there's 3 women in the office. So if you listen to the podcast, you would know that. By now, but if you don't, yes, there's 3 women in the office.

Yeah, Hannah, Samantha, and Camille.

Yes, them, the, the tres amigas. Um, and then we went to Black Rock Bar and Grill. I will not comment. Um, thank you, Allen, for the— for taking us.

I would say the food was pretty good. And the service was—

I don't have any comments.

I don't want to. Okay. Let's not comment on it.

Um, and, uh, then after that we went back to the office and then me and Allen got— well, everyone left at 4 and, uh, we drove out to West Palm, right? Yeah.

West Palm. Roger Dean Stadium, Jupiter.

Well, we picked up, uh, Allen's son Jacob and his friend Nick. Met those guys, cool bunch of kids. And then we drove out to the stadium and got to watch the Miami Marlins play against the Israel— Team Israel.

Yeah, Team Israel.

Because it's the World Baseball Classic and Miami is hosting it. So that's awesome. The game, I I was super excited for this because I haven't been to a baseball game yet this season. Um, and I get it, they don't want nobody to get hurt, but they kept pulling a pitcher out after the first inning. I mean, after, you know, yeah, they let every inning— yeah, they let every inning was a new pitcher, which made for a really boring game. Um, at first, Team Israel was doing, you know, I thought they were gonna—

yeah, I thought they were gonna win, pull it off.

But yeah, yeah, and then Miami's bats woke up and you could tell the difference between a Major League Baseball team and a world team quickly.

Yeah, well, the players on Israel, most of them are like minor leaguers.

That's what I'm saying. That's my—

except for like 2 or 3 guys that we noticed.

Yeah, there was a couple of guys who were major leaguers who are now playing for Team Israel, right? They got booted off their major league team because they weren't good enough.

Well, they're—

sorry, I'm, I'm just saying it was good. I really appreciate Allen taking me, you know, it's my first time up there to the stadium to, you know, that's where the Yankees play, uh, for spring training. I don't care about the Marlins. I mean, the Yankees used to play there.

Yes. Uh, but you know, so it was cool to, to finally get up there and, you know, yeah, actually that stadium hosts the Marlins, uh, the Marlins, Cardinals, and the Cardinals. And then there's another stadium in West Palm that they just built that hosts the Washington Nationals. And then everybody else pretty much plays like on the West Coast.

Yeah, and in New York they bought— they built their own.

Yeah, the Red Sox and the Red Sox, all up by Tampa area.

Yeah, I don't know if Red Sox is in Florida though. I thought that was in North Carolina or South Carolina. Maybe they wanted to be different. But yep, so that was cool.

Yeah, we used to have the Mets like local here. I know, Fort Lauderdale. And then we used to, when I was a kid growing up, and they used to have the Miami baseball stadium, and the Orioles used to be there, and we had the farm team. So when I was a kid growing up, I was a big fan. Boog Powell. Brooks Robinson. That's some stuff like, you know, your dad would know about. Cal Ripken.

I know who Cal Ripken Jr. is, right? Like, growing up, that's like the Brewers playing, uh, AZ. My uncle goes, he's got like season tickets too, so he goes from Milwaukee to watch them play.

But they tried to make the game like, in between the innings, they had like, you know, whatever. They really, it was good for the kids, right? Like really goofy stuff. You know, kind of like watching the movie— what's that movie with Kevin Costner where he's the catcher and then the guy's— Nuke LaLouch is the pitcher. The Susan Sarandon's in that movie. He plays for the— yeah, Bull Durham. Yeah, Bull Durham. It's kind of like when you go to those games, it's kind of like Bull Durham a little bit, right? And then my son was busy going over by the Marlins area trying to get autographs from everybody, which we did. We got— I got my hat signed by a couple players.

Who did you get them signed by?

Uh, Jacob Goldfarb. He was briefly in the, in the game, in the, up in the MLB, and you never know, he might make it back. And then the other guy was, uh, TJ Stubbs, I think his name is, and he's on, um, I think on Arizona right now.

Nice.

And then there was a pitcher that pitched in the game. He used to be on the Marlins, is now on the Red Sox.

Mm-hmm.

Uh, Breyer.

You got his autograph?

No, Jacob did on a ball, I think. Oh, he got— he had like 3 balls that he got signed. Nice. So he was very busy over there getting balls signed.

Watch it. Anyway, uh, Yeah, man. So that was cool. And then Thursday came and today's Friday.

Yeah.

And now we're in the podcast studio talking about mobile payment processing for you.

So it's interesting, you know, so I was looking up some, you know, some things about mobile payments. So mobile payments goes, you know, two ways. How are consumers doing? You know, what are consumers doing with their mobile phones? And then what are businesses doing with their mobile phones? Consumers are using their mobile phones for payments more and more and more, like, you know, using apps like Amazon or wherever you're doing your shopping.

I'm not, not, not.

You don't do it?

Nope. So, well, I pay my bill, I pay a bill through my bank app though, like, I don't— no, I don't. I use— I— the only app that I use to pay anything is my banking app because I pay my card note, my my insurance.

So you're using your phone for making some bill payments?

No, but I'm— it's all— I get— no, I'm not making it. That's not true because I don't have— after I said it's on autopay, so I'm not using anything, right?

But you don't ever— when you're gonna do shopping, you don't ever use the phone for shopping? Well, a lot of people are using their phone for shopping. They're paying for stuff using their phone. Especially if they have Google Pay or Apple Pay in their phone.

Every time I try to do it with my phone, it's like, oh yeah, let me just use my phone. Oh yeah, no, it doesn't work.

Yeah, I've had that happen on a few websites.

I don't even— when do you use your phone on a website?

Not my phone. I'm saying some websites. I've gone to like some websites and then I try to make a payment through the website on my phone and then it doesn't work for some reason.

I don't, I don't— that's— so me building websites for as long as I have, you would think I would like trust it more, like on the mobile side. But I know that the websites that I build are secure and they fine and they work more, right? Like, because people buy stuff from it all the time. But I, I mean, I guess more so on like a higher level of purchasing something, like say you're buying something that's a high-ticket item, a new laptop. There is no way.

No, I'm not going on.

There is no way I'm going to buy— like, I'm not paying my light bill on my phone. I'm just, you know, I, I guess it's because I'm in front of the laptop all day, right? I know that. Oh, I just type in what I need to handle, but I just know, like, the phone, the because the website, there's a design for the, you know, for your desktop version, and you got the, you know, the mobile version. So it's something that's always different, you know, you might click a wrong button, it might send, you know, you never know what you're— I don't know, I just never trusted it. So I get so upset when my wife or my dad explains, oh yeah, I was paying it on my phone, and then, you know, there's some sort of issue. I just get tired of hearing it. Like, no, I get it. Why would you— why do you use your phone for something that's important? You know, you know, I don't know. It's just one of those things. It's like a pet peeve of mine. It really— it kind of irritates.

Sometimes the phone, it's good and it's bad, right? So it just depends what it is. Some people, like, they want you to— like, they want to send you a text message to your phone so you get a coupon and click the link, you know, so they try to get you. None of that, man. I don't know why. I just—

I'm like, I'm all about technology and I'm all about improvement and making processes better, but I do not— the phone thing is just scary to me, bro.

So what's crazy is, is that the volume of payments from 2021 was $21 billion using mobile. So that includes people paying with their Apple Pay, you know, at a car— at a business, whipping out their phone and doing a transaction, plus doing transactions through their phone. And in 2022, it hit $40 billion last year, and they expect it to be $50 billion by 2023.

Well, I mean, of course. So like, because you're in the future, you're going to be forced. There's going to be, you know, we only take mobile payments.

Maybe. What, that they only take the payment out of your phone?

They're, they're trying to move us away from being, you know, it's funny, like I got a recent contactless is where it's going.

Well, the definitely contactless is coming up, but you know, what was funny was, is I just got it, a whole packet from a bank about like their payment insights for the future. So it said in the, in the things, in, in the document that they sent over, it said credit cards and cash are king. Like, they don't see cash going away anytime soon. And that's directly from one of the largest banks in the United States. I believe they just released their— I mean, now granted, that bank is heavily involved in the ATM business, but at the same time, I you know, the ATM business.

Can stores— stores refuse to, to take cash all the time?

It's against the law now. There's a law about that. You have to accept cash. But, you know, I don't know, you know, it's probably not heavily enforced. I know, like, when we— whenever I go to events now, like we went to the stadium, there was no cash. Everything was a credit card.

Yeah, so that's not true.

No, no, I know that. That's what I'm saying. I'm saying they put a law on the books, but it's not where— enforced. Federal law about that businesses are required to accept cash, but I don't think that it's being enforced.

That's what I'm saying, because it's BS.

Yeah, well, I guess they can't force businesses to do it. But you know, one thing that I did not like at the stadium is I bought— I went over, I got some water and a bag of peanuts, right? And then I went to the register, and I know you also bought something when we were there.

Yeah, I bought a glizzy.

And so when I went, I was a little upset because when I went to pay on the pin pad, on the little device that they had, it came up and it goes— it says 10%, 15%, 20%. There was nowhere for a zero.

I know.

And I was like, are you serious, man? Like, I tried to like bypass it. I didn't want to ask the person because I would be embarrassed, because whatever, it was probably about a dollar for 10%, so I just hit the 10% button. But I don't think it's upsetting to me that these retailers do that.

It was a place of food, handing me a water.

You're handing me, uh, it's not like they cooked anything or they did anything, and And now— and I would— and whatever.

I don't know, man.

I'm not—

that guy's probably making like $10.

I know, I feel bad, but at the same time, like, you know, it's like an extra charge being added on. You're already paying sales tax. Everything's so expensive at a stadium anyway, and now they want you to— they're forcing a tip.

I don't— I, I get it. I mean, I didn't like that you could— there was no— there was no decline button, right?

You couldn't.

Yeah, that was ridiculous. I almost said something, but I'm not.

Yeah, exactly. I'm not gonna make a big deal out of it. So yeah, there was no decline.

So I gave him the maximum.

You gave the maximum? Okay, it's like $2. So I was just like, I didn't really like that.

The lady looked at me crazy as hell, man, because I was like, yeah, I want a glizzy. And then I was like, wait, wait, I want a hot dog, but no hot dog. Put the hot dog on the side, I'm vegetarian. She said, "What?" I said, "I want a hot dog." Well, I ordered an Italian sausage because I had onions and peppers it came with. So I'm like, "Yo, give me the Italian sausage, but put— I don't want the sausage. I don't eat meat." What? Just put the sausage on the side and give me the bun with the onions and the peppers.

I was really surprised because You would think it's Jupiter, Florida, it's a pretty hip area, right? Upscale. You would think like at one of the things there would be like a vegetarian option besides peanuts, popcorn, and Cracker Jacks, right?

I don't care if I ever go back.

So, you know, so, but you know, so, because tipping, like every day I turn around there's another article online about tipping. We did a podcast about tipping. And there's another article, there was a whole one that went viral this week about a guy going to the grocery store and then he hit the no tip button and then the cashier gave him a sneer. So they probably didn't know he was a journalist and then it went— the story went viral.

There's a tipping— where, where was this at?

At a grocery store. Where? I think it was in Seattle, Washington or something. I don't, I don't remember, but I think it was in your groceries. I don't know, it was in the Daily Mail. He goes, it was a great— it had to be a small grocery store because, you know, he's selling an iPad and they flipped the iPad around and he hit zero, and then the cashier gave him a sneer. So the guy wrote a whole scathing article about it, called it tipflation because you're being forced to tip. Interesting.

Businesses are forcing you to tip, but you can add a tip onto your mobile payment app as well. You know, if you're trying to get paid, you can get tips.

Yeah, you can get— I mean, listen, we have businesses that use like, you know, mobile payments comes in different ways. So like we have businesses like a tow truck company, plumbers. So the plumber will be at the house and then when the job is done, they'll call the office. Okay, I'm done at Allen's house. Blah blah blah, it's $300. They send out a text message to your phone. So you get the text message to your phone, says, oh, your bill, what your bill is, how much the bill is. And then there is a tip option, and they kind of had to add that because during COVID people didn't have cash to hand the guy like a tip. You want to give them a $5, a $10, a $20, you know, the person just unclogged your nightmare in your house, right? You feel grateful, especially if it was a messy situation.

Indeed.

You want to give the guy— deserves a tip, right? So, so we added— so we added that, you know, into the coding, right? You know, so the— and the businesses can turn it on or turn it off. But, you know, a lot of businesses that use that service, the text message service we have, they like the tip feature for sure. So, you know, it does come in handy for a lot of businesses. And also, you know, you can get— you know, there's been a whole thing where Apple and the Android phones now put a new NFC chip inside the newest phones.

I mean, they've been— NFC's been in there for—

right, but they put a long time— but they put the acceptance chip in there. They programmed it for payment acceptance.

So now that's That's the new capability, right?

That's the new capability. So now I saw Square has it, but the last 3 guys who tried me to pay on their phone using the Square like that, it didn't work. So I don't know what's up with— I don't know, it just did. They said they had problems with it, and then they took out their little reader and did it. We're about to test the version that we have where ordered the— we just released it. We ordered the, the, we ordered the, uh, the reader, and now we're gonna get set up and we're gonna, you know, do an official test and see how everything works, try it on a couple of different phone models.

When's that coming?

Um, this week. So we'll have next week. Yeah, the next week we'll have it in the— have it in and we'll try it out. But it's pretty cool because you can open up the app, it has a QR code in there So the person could scan the QR code, get it on their phone, then hit their Apple Pay or their Google Pay, or they can key enter the transaction. You can also text— then it texts, emails— it texts the receipt or emails the receipt. So it's a pretty convenient, you know, way to pay. It's great for, let's say, you're going to have an event, maybe a temporary event like a festival. Yeah, festival, or you're going to put up a pop-up store. One time and not use it again, we allow people to get accounts for that, send you out the equipment. Then if you can, you know, keep it, you can keep it. If it's just for that event, then you can send it back. Like, we're doing a big festival in Hawaii and they ordered— like, we already do their credit cards, and now they're going to get 7 extra machines for the event in Hawaii. So they have them with the 4G, 5G outside.

Then what?

Then they'll— at the end of the event, they'll send them back. The event's like a week-long event.

Cool.

And you know, the mobile readers, those are great too. So let's say you have a non-for-profit and every once in a while you do an event, then you need people to pay for tickets. You don't have to get a whole credit card machine. You can just use that, hook it up on the iPad to the Wi-Fi. Boom, boom, boom, fast take., you know, payments for things like that.

Makes sense.

Events and other, you know, other types of things, or you're a— maybe you go to a— you're a farm— at a farmer's market or craft fair, or let's say you go to trade shows and you need to have an— you want to be at the trade show and take payments at the trade show, it's convenient to do that too. So get on the Wi-Fi, use your 5G, your 4G. You know, the one thing that they keep talking about is rolling this out like to restaurants, but I just don't see restaurants— first of all, I'm not putting the app on my— all my employees' phones. Would you do that? The payment app? Because they could run a refund. They're at home, yeah, I need some money back, right? So I mean, that sounds a little expensive for a restaurant to go out and go buy 10— I've go buy a bunch of iPhones to give them to the employees. I mean, you can use Androids, but you got to buy new ones. It's not like, it's not like it's been out, it's available on like older type of phones or older tablets. I'm trying to figure out how it will work, but no, I'm just saying like for a restaurant, it's going to take a couple years before you have enough.

You've got to be a different device. Right, or no, it's not, it's just a tablet or like a—

yeah, like I have a guy now, right? What he does, he just goes and buys like some used Android phones and then he has the little dongle on there and that's how they, they do it. They just use a used Android phone or use the iPhone connected to the Wi-Fi. You connect it to the Wi-Fi and they give it to the employees. They Velcro the reader onto it, and that's how they take the payments, like at these parking lots, because they have Wi-Fi out at the— you know, they put a hotspot at the, you know, at the park.

What would be the purpose of the restaurant having no equipment?

Have it on the iPhone. Just take the payment, tap and pay to the phone. Just get rid of having all this expensive equipment like you have at a lot of restaurants. Restaurants. I mean, I don't see it happening right away.

Food truck, yeah, it makes sense.

But yeah, for like a food truck, it's a great— I think it's a great product for a food truck. So you don't have to have like a whole cash register and everything. We're working with this company now that's, that's, um, doing, uh, has like food truck software. It's pretty interesting. People can order from the— order it then it sends the message to the food truck to make the food. They make the food, then the person comes and they could pay before they come, or they can pay when they get there. But it's good because they pay, you know, or they can use it like in a coffee shop. People are sitting down, they can go on the app, pay and everything right through the app.

Nice.

It's pretty cool. Pretty, you know, there's— I think there's going to be a lot of technology like that coming out. I mean, I hate this I mean, I hate to see the day where you go to a restaurant and you sit down and they go, oh, uh, scan this QR code, order your own food, and then that's like the robot's gonna come and come over and open.

I hope by the time that time comes I have my land in some tropical environment and I'm living off the land and I never have to see humans again.

Yeah, it's kind of crazy though. I read about a restaurant that has like you order your pizza like that And then they have a robot. The robot comes and brings you your pizza. That's weird.

Not ordering from that place.

No, from that place. Yeah, I saw—

I'm gonna kick that robot right off my doorstep and I'm gonna take my pizza without paying them.

Did you see that? They have— apparently Domino's has a car.

Yeah, and I've seen that. And did you see what was happening out in LA?

Yeah, people are not—

they were robbing the hell out of that thing.

Uh, yeah, they like took the car and like threw it on its side.

And then society's not ready for that, man. We're— there's not enough money going around for robots to be walking around delivering people pizzas.

I mean, that's like from the movie— it reminds me of like Demolition Man a little bit, you know. But yeah, I was like, are you kidding me? Like, the pizza—

the Domino's truck car is gonna pull up in front of your house with no driver?

With no driver?

No, it doesn't even pull up in front of your house. So that's— it has designated locations where you have go meet it.

Oh, you have to go meet it like down at the corner? Yeah, I don't want to walk down to the corner to get my pizza.

That defeats the whole purpose of ordering a pizza.

So exactly, you want the guy coming to the door and like handing you the pizza. Like my— the funniest videos I see on TikTok— not funny— the guy comes to the door, deliver the pizza, and then the people give the guy like a ton of money or something where they make him answer a bunch of questions and give them $100 or for each one. Like, it's pretty crazy stuff. So there's a couple of people that do that.

Oh, you're talking about—

yeah, yeah, I know what you're talking about, like on TikTok, you know. But I just don't see like that whole thing tickling— trickling down to restaurants. And maybe in a few years, but, uh, you know, even paying by a QR code at a restaurant, you know, some, some restaurants have it. We had a restaurant that had that. They had to stop doing it because they didn't understand that it was— that it doesn't go through as a card-present transaction. It goes through, it's like key-entered, the rate's like double. So they stopped doing that. And also they got a few chargebacks, and those were pretty hard to fight even though we showed them the person was present at the restaurant. It didn't really—

crazy—

it didn't really fly well. I don't agree with um, how the card issuers are dealing with that stuff. But, you know, for a lot of small businesses, this is a great product because you don't, you don't necessarily have to have equipment. You can just use your phone. Let's say you're at a, you know, you have a barber shop or a tattoo parlor and you're just, you know, renting a spot there, right? You know, you don't want to go out and have a whole credit card machine. Or maybe you're a aesthetician and you go to 4 or 5 different locations, you know, each week. You go to a different, you know, doctor's office every day. You don't have to go carry a whole credit card machine around with you. Or you're drive, you know, maybe doing deliveries or something. But I don't see like a bigger business using that because they have to put the app on the employee's phone, you know. Like, we have a company, they use those readers and they have iPads, and it costs them a lot of money because even if they're paying for the iPads monthly, it has to have a 5G card in it, you know, and then they ring it up and then they, you know, I wouldn't be doing that.

But yeah, I mean, you got to do what you got to do. You got to, I mean, you got to make, you got to pivot to how the customer wants to pay.

So if that's how the customer wants to pay, then the businesses have to, you know, businesses have to adapt to the to the way people want to pay. That's one of the things, like, I talk to business owners about all the time, is how do your customers want to pay you, how to make it more convenient. Like, why don't you know, you, you know, like having a payment portal. Like, if you send out invoices, it's so much more convenient than them calling you on the phone to get the credit card information. Yeah, this way you set up a payment portal. Same thing with mobile payments, you You don't want— you know, I don't trust it. Like, when I'm dealing with somebody and they come to my house and then they're like, they want to take my credit card and key enter it. Like, one guy wanted to take a picture of my card. I was like, no, you're not doing that. I says, uh-uh. And then he's like, oh, I gotta call the office. It was a whole big thing. And then I called the owner and I said, no, you can't take a picture of my card, right? I says, no way, Jose. I said, you know, send me a link, I'll pay on the link, or you want some Zelle? They ended up— I ended up having to Zelle the guy the money because I wasn't about to like let the guy take a picture of my credit card. So, you know, having like these payment acceptance things makes your business better. Like, you show up like, how come you aren't processing for that guy? I'm trying to get their processing because I said to them, why do you— what are you doing? You're the, you know, you should have this thing on your phone so you don't have to do all that. Why are you doing that? Then you're paying higher fees because you're going to key it in, you know. So I was explaining to them about it and they were like, well, most people don't give a, you know, want to give us a check. And I was like, that's dangerous. Someone gives you a check and then you go take it to the bank, you don't know for 5 to 7 days that whether the check is good or not, right? The check bounces. Now you got to go run back to the person's house, go, hey, your check bounced. Maybe they're not home, maybe they don't want to open the door, maybe, you know, and then you're, you're out of your money. So you should have just like the little reader, have it on your phone, boom, take the payment, you're done, and that's it. And I mean, you know, some of the services, you know, it's it's easy to use, right? So it's easy, it's quick, right? And then you look professional to the, to the customer paying you. They have the, like, the warm fuzzy feeling because people are now used to those, seeing those devices everywhere, right? You know, you don't have to get the fancy schmancy mobile credit card machine. Some businesses might want that because maybe they're selling a super expensive product and they want to look, you know, cool. They want to look cool in front of the customer. And we have smaller, you know, ones that are like handheld, that 4G, 5G in them. You can get them to come on a monthly plan included with the 4G, 5G. That makes it— that makes, you know, if you're selling— like, we have a guy that sells, um, window, you know, like, you know, the stuff like window shades and blinds and all that. They come to your house, they're doing a whole presentation. The bill can be a few hundred or maybe like a couple grand, right? So they want to take out the machine and to, you know, take the card that way.

It makes sense, man.

But now you can just, like I said, now you can get these, you know, dongles, have the, you know, give your, you know, if you, if it's just, if it's just your business and you don't have a bunch of employees, you can do it that way.

Right.

You have a lot of employees, then you got to kind of rethink how you do that because you might not want to have that app on everybody's phone. Yeah, I don't know how that works. On their, you know, on the private phone.

And, you know, I mean, for— well, so how would that work for a plumbing company? Yeah, they, they would have to because, I mean, they're there's like a lot of time plumbers, right?

But a lot of times they give the plumbers like the phone, they give them a phone usually. Some companies give like a work phone app. Yeah, then it works fine if you're giving everybody a work phone. You control the phone so you know like what's going on and who has the phone and all that. So, you know, then, then that's a workable situation. Yeah, you know, so agreed. Yeah, I mean, it's, uh, just depends. That's why we consult with the business. Like, we have a guy We have one client we've had for years. They, they do like, they boot— it's a tow truck company, but they also boot cars, which is like, I hate that, right? No, whatever, huh?

No comment.

No, well, whatever. So they go, they, they monitor— they have like, they own a bunch of parking lots, and if you don't pay the— if you don't pay at the meter, they have like one of those meters. And then if you don't pay or it expires and your car is still there, they come by, they stick one of those Denver Boot yellow things on your car. And the guy who takes it off got like beat up a couple times.

That's sad.

And, uh, I feel bad for him. So then they—

terrible job to have.

So now they changed it over to the system we have where we basically— they send the customer a text message The customer pays, then the guy shows up, he takes the boot off the car. That way he doesn't have to interact for the money.

Smart.

And then, nope, everybody pretty much leaves him alone.

So yeah, he's the savior.

Yeah, he's saving them. And, uh, how I got that customer was I got my car booted. I was inside a business fixing their ATM machine. And I said to the guy, I need to go outside and pay the meter. And the guy's like, no. And I said, there's a big sign and I saw boots on cars outside and had like a maximum, like 3, 2-hour parking or something. And I was there way over 2 hours already. And the guy's like, no, you're not leaving until the ATM is fixed, because if you get— have to pay the boot guy, I'll pay the boot. So then I go outside, my car is booted, I call up there's like 5, 6 cars booted in the parking lot. The guy is there, he's like, oh, it's $50, I only take cash. One guy almost wanted to kill the guy. So I go get the— I go back in the restaurant, the bar, and I go back in there, I get the guy to give me the $50, and I pay the guy, takes the boot off my car, and I had the receipt. You know, he gave me a card and I called the business owner up. I'm like, dude, what are you guys doing? And then he told me the story how the guy got like almost messed up, almost got messed up one time, that called the cops. And I was like, yeah, you need this. We gave them that. And then yeah, they were for a while, like during the time when the pandemic was going on, they weren't really booting anybody, they weren't really enforcing the parking lots. But now they've started back a few months ago enforcing the payments in the parking lot. That, that like covered up the meter and everything for a while. But now the business owner, the person who owns the lot, it's like, no, gotta go back to that. We had to re-hook up all the credit card processing because it was off for like 2 years.

Wow.

Because now the area where it is is like now packed all on.

And they gotta get the money, man.

Yeah, listen, uh, you know, if you have a parking lot to make a ton of money— I mean, you saw we went to the game. Yeah, we gotta— I gotta find out who that company was. They had like some old style thing swiping the credit card. I'm going to call that— call up and find out who's the parking— who's doing the parking.

Oh, at the stadium?

Yeah, because they didn't give a receipt. Yeah, the guy had like a thing on his side with the receipt. It was like totally old-fashioned.

Oh yeah, that was a very old—

yeah, that was like really super old equipment. Yeah. And the other thing is, is like, let's say I wanted to complain about that, that particular thing, that particular charge. I could just go on my credit card, log on to the— my credit card, hit the dispute button saying, oh, I don't remember making this purchase. Right? They would send them a, uh, a request, then they would send it back showing it was swiped, and they would take it off my bill. But I'm not mean like that. But people could do that. And then don't do that to merchants. Be nice. Say, hey, have you seen B2B Vault? You need to probably get in touch with those guys. They can help your business.

Don't—

there you go— don't swipe cards. You can get chargebacks and lose, right?

So if you need that, head over to B2BVault.info, hit the Apply Now button. It takes you to Nationwide Payment Systems. You get going, fill out the application, hit the ground running, buddy.

Look for the mobile section on the home page.

Yeah, if you need to, if you got food truck or, you know, any type of on-the-go type of business, definitely you need the mobile payment app. I mean, the mobile payment merchant account that we can get you hooked up for. Um, yeah, so you got anything else?

Follow us on social media, B2B Vault. Uh, subscribe to the newsletter, find out more about B2B Vault, Nationwide Payments.

If you subscribe to the newsletter, it's 20% off all GoDaddy products, so it's kind of a good incentive for those that's out there in the tech world.

Yeah, you get, get a, get a coupon code and get money off GoDaddy. It's a good deal. Follow us on YouTube if you listen to the podcast and you've never seen us on YouTube. Check out YouTube, you'll see the new set with our cool neon light. We got new cameras, new microphones. Hopefully the podcast sounds better, looks better.

Definitely does.

So everybody, peace out.

Peace!

Have a great day and go mobile payments!

Mobile payments, baby!

Rock rocks! The Rock!