Get live statistics and analysis of Doug Woolley - Payments '𝕏'pert's profile on X / Twitter

📭Invite for top Shopify brands📭 Looking for a few high-performing stores (doing $100K+/mo) to test an advanced backend platform we've been implementing with select clients. If you’re running subscriptions or high-volume processing, this gives you: – Lower effective processing fees (with no added 1% “Shopify tax”) – Smarter subscription + rebill infrastructure – Full control over your billing + gateway routing – Clear LTV, churn, and campaign ROI reporting – Better failed payment recovery tools It integrates with your existing Shopify front end - no redesign, no disruption. We want to test with a few Shopify clients first - then scale up from there. DMs open of course

Cash flow can vanish quickly if funds are held or chargebacks occur. My job is to mitigate those risks for merchants. One contractor needs to process an unusually large ticket - Processors flag those, risking: • held funds • document demands • disputes I'm guiding him on documenting everything to secure payment and avoid chargebacks. This is the difference between merely processing payments and truly protecting a business. If you process payments without support, who’s safeguarding your business? 👉 Reach out to me if I can help you navigate getting yourself paid properly.

Closing in on 1K followers in 6 months - not bad for a guy who started knocking doors in payment processing. One cold DM changed everything. That’s when I thought I had an edge: Cold X DMs But building real relationships matters more. That paid off - now I get more DMs than I send. I love helping business owners through education - showing where the money really goes and how to keep more of it. I’ve sold on Amazon and Walmart myself, so I get it - the ecom grind is real. Random freezes & holds Declines killing margin Platforms taking their cut first Now I work across it all: >SMBs >Home service contractors >Shopify & ecom stores >ISVs / SaaS >High-risk merchants And I’ve built a referral network that works - monthly residuals for simple intros At the end of the day, I help businesses keep more of what they earn - transparent, fair, and built to scale. Reach out if you want to: >Cut processing fees >Improve approvals >Build a referral income stream Or just to chat! 😎

You could be running a clean business and still wake up to frozen payouts - All because of VAMP. When Visa says “acquirer,” that's the processor’s entire BIN - thousands of merchants under one roof If that BIN’s ratio breaks 0.5%, Visa fines the acquirer. Hit 0.7%, and it gets expensive. By 2026, thresholds tighten even more - roughly 0.9% for merchants, 0.3% for acquirers. And those fines roll downhill... Visa → acquirer → processor → merchant. You could be running clean and still get caught in the blast That’s why having a backup processor isn’t optional If your primary BIN gets hit, your funds can freeze It’s not just about your chargebacks - It’s about the health of the BIN you’re sitting under. It's never been more important to have backup payment processing ready I can get you setup with one in 24-72 hours - (depending on your industry and business information) Pretty fast and smooth if you're being proactive after reading this post... Just don't wait until it's emergency

Very proud of this one 👇 Day 1 Called a prospective merchant. Conversation goes well - we agree to reconnect. Then he calls back: “Can you help my friend? Stripe banned his business. Big event soon. No way to take payments. Crippled.” Adrenaline hits - every hour matters. Every hour they’re losing money. Paperwork + apps submitted same day. First processor declines: too new, not enough funds. Backups already lined up. Day 2 We submit to a second processor. Start a third as insurance. File rushed - merchants can’t wait. Day 3 Second processor says no: too close to a prohibited industry. Now it’s all on the third. I ping their back office directly to expedite. Day 4 Third processor approves ✅ Gateway live. Activation email sent. Weekend call booked for settings + training. Merchants back in business. Helping merchants in emergencies like this? That’s why I do what I do. I love helping people. Most processors would’ve overcharged. We kept our standard rate. Trust built. Partnerships strengthened. Backup processor set for extra volume. Let me know if I can help... P.s. - better to not wait for an emergency 🤣

Just mama and her cubs (and me) Nature is truly amazing

Day 1: Merchant agrees - “I want to save $1,000/month.” All it takes: 5 minutes to upload underwriting docs. Month 1: They get busy. No upload. That’s $1,000 gone in January… another $1,000 in February. Total missed = $2,000. Month 6: Still no action. That’s $6,000 that could’ve gone toward ads, extra inventory, or staff. Month 12: Same story. Now they’ve missed $12,000 -enough to buy new equipment, launch a fresh marketing campaign, or put real fuel into growth. Month 13: They finally switch. Excited about saving $1,000 every month - regrets the $12,000 that slipped away. Five minutes of paperwork could’ve funded a year of growth

Today, like many, I went to church for the first time in a long time. To those of you who’ve consistently shared your faith here - you planted a seed in me, and over time your words awakened something I’d been setting aside. The tragic loss of such an incredible and influential man became the final nudge. Not because of the loss alone, but because it came with Charlie’s words and wishes - the way he spoke and carried his message. That’s what moved me to return. If it had been anybody else, I might have been pushed away instead of drawn closer. And Mrs. Kirk’s strength as she vowed to keep his wish alive made that impact even greater. I’m sharing this to thank you, to encourage you to continue to spread the word and spread love, and to show that Charlie’s legacy is real and lasting.

Just finished a call exploring a new angle in business acquisitions... Excited to share - Seller side: Cutting $100K/month in processing fees adds $1.2M/year to the bottom line. At ~3x multiples, this boosts the selling price by $3M+. Buyer side: If the seller didn’t optimize, trimming $100K/month yields $1.2M/year in instant profitability - fat cut on Day 1. Both sides win. Payment processing is the most overlooked lever in M&A. This should be slide #1 in every deck. Working on an acquisition? Let’s discuss your numbers.

To piggyback off of my last post on Shopify Payments, make sure you read the fine print with Whop 2.7% is attractive, but "extras" like recurring billing, cross-border transactions, etc., add up fast

These stories shouldn’t exist. My goal is to make them disappear – Setting the community up where legit businesses never wake up to a sudden ban.

Not surprised. I talk about lowering fees all the time... but that’s really just the byproduct of what we do not the main value. Most processors lead with a “DM for a link” type of pitch. We take a consulting approach - evaluating your setup fixing inefficiencies and helping you build something sustainable that actually scales. Our focus is on your success - Lower fees just happen naturally when everything’s optimized the right way

It's not every day this happens right in your hometown backyard... Thanks to the Township of Mahwah for letting us watch ...The Sheraton Mahwah Hotel, a striking 22-story glass tower in Mahwah, NJ, was a prominent landmark since its opening in 1987. Known for its scenic views of the Ramapo Mountains and its proximity to major highways like Route 17 and I-287, the hotel offered 225 rooms and 53 suites, along with amenities such as indoor and outdoor pools, a fitness center, and the Fountainview Restaurant. It also featured extensive event spaces, including a Grand Ballroom that could accommodate up to 1,200 guests.

Payment processing touches every dollar you make. Most people just turn it on and forget about it But remember... If your rates are too high, you’re bleeding margin. If the setup doesn’t match your business, one freeze can shut you down (looking at you, Stripe users!) If you’re not checking statements, you’re probably overpaying. It doesn’t need to be complicated - just don’t ignore it. A few smart moves can save (or make) you more than another ad campaign. If you're not 100% sure you're set up right, shoot me a message and I can take a quick look

As an authorized partner with a leading payment processor, I get excited when I gain access to new tools and solutions A recent acquisition will let me provide payment processing for UK, EU, and Canada payments - Soon, local cross-border payments will be live for my entire 𝕏 network. I stay proactive, always in the loop, bringing the newest capabilities to the businesses I work with

As an authorized partner with a leading payment processor, I get excited when I gain access to new tools and solutions A recent acquisition will let me provide payment processing for UK, EU, and Canada payments - Soon, local cross-border payments will be live for my entire 𝕏 network. I stay proactive, always in the loop, bringing the newest capabilities to the businesses I work with

It's not every day this happens right in your hometown backyard... Thanks to the Township of Mahwah for letting us watch ...The Sheraton Mahwah Hotel, a striking 22-story glass tower in Mahwah, NJ, was a prominent landmark since its opening in 1987. Known for its scenic views of the Ramapo Mountains and its proximity to major highways like Route 17 and I-287, the hotel offered 225 rooms and 53 suites, along with amenities such as indoor and outdoor pools, a fitness center, and the Fountainview Restaurant. It also featured extensive event spaces, including a Grand Ballroom that could accommodate up to 1,200 guests.

Today, like many, I went to church for the first time in a long time. To those of you who’ve consistently shared your faith here - you planted a seed in me, and over time your words awakened something I’d been setting aside. The tragic loss of such an incredible and influential man became the final nudge. Not because of the loss alone, but because it came with Charlie’s words and wishes - the way he spoke and carried his message. That’s what moved me to return. If it had been anybody else, I might have been pushed away instead of drawn closer. And Mrs. Kirk’s strength as she vowed to keep his wish alive made that impact even greater. I’m sharing this to thank you, to encourage you to continue to spread the word and spread love, and to show that Charlie’s legacy is real and lasting.

Just finished a call exploring a new angle in business acquisitions... Excited to share - Seller side: Cutting $100K/month in processing fees adds $1.2M/year to the bottom line. At ~3x multiples, this boosts the selling price by $3M+. Buyer side: If the seller didn’t optimize, trimming $100K/month yields $1.2M/year in instant profitability - fat cut on Day 1. Both sides win. Payment processing is the most overlooked lever in M&A. This should be slide #1 in every deck. Working on an acquisition? Let’s discuss your numbers.

Replying from here this AM… the deer are happy, probably laughing at me as they walk by

Appreciate all the love 🙏 Check the comments 😉

Why processors use Plaid...and keep it connected after onboarding: It’s not just to verify your account once. Plaid lets them securely check your balance and account status when needed - helping catch low funds, frozen accounts, or payout risks before they cause problems. It’s part of ongoing risk monitoring, not constant spying. Think of it like vitals in a hospital- checked regularly to keep your MID healthy.

Closing in on 1K followers in 6 months - not bad for a guy who started knocking doors in payment processing. One cold DM changed everything. That’s when I thought I had an edge: Cold X DMs But building real relationships matters more. That paid off - now I get more DMs than I send. I love helping business owners through education - showing where the money really goes and how to keep more of it. I’ve sold on Amazon and Walmart myself, so I get it - the ecom grind is real. Random freezes & holds Declines killing margin Platforms taking their cut first Now I work across it all: >SMBs >Home service contractors >Shopify & ecom stores >ISVs / SaaS >High-risk merchants And I’ve built a referral network that works - monthly residuals for simple intros At the end of the day, I help businesses keep more of what they earn - transparent, fair, and built to scale. Reach out if you want to: >Cut processing fees >Improve approvals >Build a referral income stream Or just to chat! 😎

We all know $10K on Stripe ≠ $10K in your pocket. You actually need to charge $10,298.97 just to net $10K. That’s $298.97 gone before even check your dashboard. Two ways to fix it: 1) Get a better rate with a traditional processor - save ~$50 right off the bat. 2) Switch to dual pricing (also requires a new processor) and actually KEEP the FULL $10K. >If they pay with ACH/cash, they pay $10k >If they use a card, they pay $10,298.97 If you’re tired of feeding Stripe, I’ll help you run the numbers, shoot me a DM

JOSH GOT A BLUE CHECK MARK! Now I need to decide which mattress brother I like more

Wondering if anyone’s ever boarded their cruise, barely stepped into the room… and got a call from guest services saying: “Sorry, your luggage fell into the water. Please come claim it.” Apparently this is a thing - the officer helping us said it’s happened twice in her five years. Now I’m working my magic trying to convince two hyped-up little girls, 7 and 9- who were ready to dress fancy all week - that their outfits will be good as new Bon voyage!

📭Invite for top Shopify brands📭 Looking for a few high-performing stores (doing $100K+/mo) to test an advanced backend platform we've been implementing with select clients. If you’re running subscriptions or high-volume processing, this gives you: – Lower effective processing fees (with no added 1% “Shopify tax”) – Smarter subscription + rebill infrastructure – Full control over your billing + gateway routing – Clear LTV, churn, and campaign ROI reporting – Better failed payment recovery tools It integrates with your existing Shopify front end - no redesign, no disruption. We want to test with a few Shopify clients first - then scale up from there. DMs open of course

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