 Hey guys Ken Ross here, and I'm with Leo of Ireland play, and we're kicking off the financial services Series on my channel. I'm really excited here. How are you today? I'm doing great Ken. Thanks for coming by the office you know excited to sit down with you and be able to you know talk about a Financial services. Yes, absolutely, and you are in merchant services Specifically, why don't you give me a little background about you as a as a business and as a person. All right So, you know again, we're in merchant services. I'm Leo Gonzales Ruby. I'm the VP of sales for Ireland pay and I got into the business when I was in college a lot of people when they're in college They're looking to make some extra cash and that was my first step in the game You know they talked to me about residual income. I had no idea what residual income was And once they explained it to me I just it stayed in my head and I kept thinking about it and thinking about it and I was like Well, this is something that very much interests me, you know where I can give myself a raise on a monthly basis Based on on my performance and and the accounts that I would bring in so that was that was my introduction to merchant services Fast-forward here. Here we are. It wasn't watching office space then right I mean come on Love that movie if you think about financial services It's kind of a satirical take on what what this this whole business about I would say it's it's a lot better than that What are some of your principles for financial health because I really do feel like what I'm trying to offer this channel and what I'm offering My audience is the understanding that Financial health is important to their business, but you have to have principles So what are some of those so when it comes to financial health and principles? I think it's very important to surround yourself with the right team Very much like an individual who's training you want to have the right team around you whether it's trainers nutritionists Things of that nature you want to you want to make sure that that that's what you have so With me it's it's it's it's it's accountants You know you're talking about financial advisors Or individuals like myself that they're guiding their clients in the right direction You know and and and the approach that that I very much like to take with my clients is a very educational approach That's you know, there's a lot of business owners that have been in in Business for 20 30 years and they get a merchant statement. They have no idea what they're looking at What you know separates myself my team here at Ireland pay is we like to take the time Break down the statement with the business owner explain to them exactly what it is that they're paying Not only in rates, but in fees. There's a lot of times individuals like to do, you know junk fees and hidden fees Yes, and that's where when you have the right team that's looking after you and protecting you You know, you're you're setting yourself to be in a position to win that's definitely something to to definitely point out here right education you mentioned it and Something as the example that you gave as far as breaking down a statement as far as going through it Not a lot of merchants are looking to do that not a lot of folks that are in your space Which is a very competitive space by the way Aren't looking to be like let me educate my clients because they're looking to get more clients They're looking to just take over the world. I love to save my clients money. How do you share in that? Well, I like saving our clients money. Obviously, that's the that's the nature of our business we We've come to the point where Before it was hey, I can save you a little bit of money Compared to what the other guy could do and then the next person would come in and and they would you know Lower the fees or the rates a little bit more, but now we're at a point where we can eliminate Payment processing fees for our clients and that's something that we at Ireland pay very much focus in on It's it's eliminating the processing fees for our clients and it doesn't matter. What type of industry you're in whether you have a regular terminal you are a salon a spa a Plastic surgery center a liquor store or whether you use a a Solution such as QuickBooks or zero and it's more of an accounting software We can eliminate the payment processing there and when it comes to restaurants. We can also eliminate the payment processing for our restaurants with a top-of-the-line solution industry leading and it's and it's um, you know, it's a great solution Absolutely, and I just want to make a little disclaimer you and I we don't have any asserted relationship here, right? We're not trying to sit here. I'm not I'm not putting you on my channel I'm not trying to put you here to say hey look you should really invest in what you're saying Necessarily but you are you are highlighting some things that I think really show the Competitiveness of this space because there are a lot of Competitors out there that are trying to do the same things that you're doing and you're doing them your way Right versus what other merchant service providers are doing other ways and you didn't mention something to me earlier You said not everybody needs the same solution, right? So you're focused on a lot of different things Tell me exactly kind of some of the things that you're focused on. So we're focused in on restaurant solutions So it doesn't matter if it's a quick service restaurant or if it's a high-end restaurant That sits, you know, that has a you know, 30 tables. We have the point the the POS system Yes, that would be able to handle it You have a nightclub you have a bar we could go ahead and we can we can fill that space as well When it comes to accounting softwares, you know We tend to see that it's in the B2B space where you have your impact window companies Your roofing companies the tile companies they're using and and taking payments via QuickBooks We're able to help out those clients there And then when it comes to just individuals that want to eliminate their payment processing Let's say like a like a chiropractors office or a doctor's office. We can go ahead and give them a very sleek terminal that fits the aesthetics of the clinic and You know, just just it really boils down to the type of business that you have We're prepared to be able to to fit the needs of it. That's definitely something I resonate with with what you said, right? It fits the business, right? You can't just put any old solution out there, right? And the company I worked with worked for and I'll mention it is first data, right? You can't just put an FD terminal at every station in every place It's not gonna work one of the things that made us that that makes us different is we very much like to take a consultative approach with our clients in the sense of You know based on what the business's needs are we'll put them with the right processors So we work with four different processors here at Ireland pay and you know one might fit And but the other business, you know, it won't fit first data. Maybe they need teases Yeah, maybe they need world pay. So again, we're taking that approach with the businesses and Tailoring a solution fit for their needs. Okay. Let me just take a step back for a minute because I think for myself Even I was like, I think I want to remind my audience what a processor is because that is really important, right? Like you said, why would you need one processor over the other? What is a processor? So the problem so we are a resutter of the processor the same way that major banks are resellers You talk about the Bank of America's of the world the Wells Fargo's of the world Sun trust all of these banks they're resellers of Fiserv and first data same way that we are at Ireland pay and And different banks have different relationships with different processors You know, you talk about teases you talk about the world pay and then our restaurant solution which is shift for payments So so that in essence, that's what What a processor is what we're looking at absolutely love what you do Absolutely love that you could come on my channel and give me more insight for the audience definitely something I am very much resonate with do you have any other things you'd like to share with my The only thing that I'd like to share Ken is though, you know, we're very passionate about what we do here at Ireland pay We we basically what we want to do is take out the bad stigma that business owners have of merchant services That's why we here at Ireland pay. We don't operate with contracts for our clients We eliminate processing fees and we don't we also eliminate junk fees a lot of times Uh, you know people will give good rates, but then they're getting them with junk fees We like to eliminate our stuff Want to keep our clients happy so they can refer us to other Absolutely, that's you know, thank you. Thank you Ken. I appreciate you. Yes there are definitely there are definitely different types of processors out there different merchant service providers out there and I See I see them in two different spaces, right? They're good ones and there are ones that are just trying to get by you're definitely one of those good ones Thank you, and I appreciate you coming on and being a part of this You we will have more interviews with more people in financial services like Leo here who want to bring Their expertise to what it is that they do to help your business And I'm certainly excited to continue to do that. Thank you for coming on my channel. Hey, thank you So then until next time the spin Ken Ross, please visit my website I am Ken Ross calm and I'll see you around