How a Paynadian Went from Novice to “Mr. Consistency”

When Josh Smith began his career in payments, he had zero sales experience.   

But having worked in construction every summer through his teenage years, he certainly knew how to build from the ground up.  And that’s precisely what he’s done at Paynada, earning the title “Mr. Consistency” for performing in his role at a high level, month in and month out. 

Josh’s path to Paynada was an unconventional one. 

After high school, he decided to pursue a career in aerospace. With an Aeronautics degree in hand, he went on to build airplanes for a variety of companies. Only a few years into his career, he was tapped for a management position and spent the next decade overseeing crews as the youngest manager.  

Though accomplished in his field, Josh sought more financial opportunity. And with a growing family including a wife and four kids, “It became tougher to pay the bills.” At the same time, Josh had come to feel trapped.  Weary of constantly dealing with the same corporate problems and feeling unfulfilled in his role, he was open to alternatives. 

Paynada Beginnings 

A friend who recognized Josh’s sales potential introduced him to the credit card processing business. Shortly thereafter, he started working part-time for a small Independent Sales Organization (ISO) to earn some additional income.  

Josh made calls on his lunch breaks and in the evenings, gradually developing his salesmanship during off hours. While the ISO was a good start, it lacked the resources to properly support merchants. This realization ultimately led Josh to Paynada, where he initially joined as a part-time employee. Soon enough, he was ready to go all in and become a full-time Paynadian.  

That’s when things really took off for me,” he says. 

What made Josh feel confident enough and comfortable in committing to Paynada? 

“I describe Paynada, even to all my merchants, as a company that is big enough to make things happen, but small enough that they care about you, where the CEO knows your name. When you work for some bigger companies, you’re just a number. At Paynada, I truly feel that they care. Those in leadership are not so detached that they forget what it’s like to be hustling and grinding.” 

I Can Do This 

One pivotal moment fortified Josh’s self-belief; when he sold his first sizable account.  

No one referred it to me, no one helped me sell it, I didn’t have to phone a friend. It was a straight cold call visit — two or three times.  It was my first big merchant. That was not long after I came on. It really felt good to be like, you know, I can do this.”  

That first big win gave Josh the confidence that he was doing the right things and could succeed in the payments business 

Lift Off 

The decision quickly paid dividends. Within just ten months, Josh doubled his previous income, and it did not take long for him to become a fixture on the sales leadership board. On top of that, he qualified as one of the first APEX Champions in Paynada’s inaugural sales incentive program. 

His secret? A simple, focused approach to sales. Recognizing and treating it as a numbers game. And setting clear, measurable goals.   

At the outset Josh put a detailed plan in place to achieve his 5-year goal for residual income. How many accounts would he need to sign each month? What does the average margin need to be for each of those accounts?  He reverse-engineered to arrive at targets, then began prospecting relentlessly to hit them. 

Helping Others ‘Escape’ 

As Paynada grew, Josh’s VP encouraged him to move into a leadership role. Despite his initial reluctance, he eventually agreed, motivated mainly by his strong desire to help others find their path to financial freedom, much like he had.   

I remember what it was like to feel trapped in the corporate rigamarole,” he reflects. 

Using an analogy from his construction days, he adds, Everyone wants to build that house, but not everyone knows how to lay the first brick. I’m here to hand them that brick and show them how to lay the next one.” 

In his role as one of Paynada’s sales leaders, Josh extends his hand to those who don’t see any way out of their current situation, to those who seek financial freedom. He wants to show them it’s a real possibility. 

Industry Challenges and Rewards 

 While Josh is quick to acknowledge the challenges inherent to the industry: It’s extremely competitive. No one really wants to talk about credit cards,” the wins and the satisfaction gained from helping merchants outweigh the inevitable rejection one must accept to succeed.  

On the other side of all those nos, you go into a business and meet an owner who’s been overpaying at 8% from their processor. When they realize you can get them down to 2% or eliminate fees, and they’re willing to do whatever it takes to make it happen with you – that’s the feel-good part. If I can get 10 of those nos as long as I get one of these wins. It’s what keeps me motivated and keeps me going. In this job, you’re not in sales – you’re in service. You’re truly servicing these merchants.” 


Q & A with Josh 

Can you tell me about the support you’ve received at Paynada? 

Rose-Marie (VP of Operations) is one of the big reasons I’m successful. I pride myself on having perfect paperwork every time, and she’s been instrumental in helping me achieve that standard. And then John (VP of Sales) has this ability to help me look at things from a new perspective when I’m stuck. He can see potential even when I can’t. 

What key qualities and skills are essential for success at Paynada? 

 You have to be willing to admit failure and take criticism. Have the self-awareness to look in the mirror, admit what you did wrong today, so you can be better tomorrow.  

 Some people are naturally talented and may only have to call on 20 businesses to close two deals, while others might have to call a hundred for those same two wins. That’s okay – you just have to recognize that you’re going to have to work twice as hard because it’s not as fluent or natural.  

You also have to be extremely self-driven. No one is going to force you off the couch to go sell a deal — you are the engineer of your success or failure. Lastly, organization is critical. You need a system to track every lead, every conversation, and ensure you’re following up properly. 

What advice would you give someone considering a career opportunity at Paynada? 

Be prepared to build a detailed plan and then work that plan relentlessly. My plan was to sign two deals per week at a minimum of $20,000 in monthly processing. I had that weekly goal, but I also had a higher-level 5-year residual income target I was working toward. 

Every Sunday night, I’d sit down and map out my prospecting plan for the week – who I needed to call, visit, follow up with, and when. Each night, I’d adjust based on what conversations happened that day.  

Having that organized plan and working it diligently is key. Consistency compounds – stick to the process and the results will follow. 

Interested in exploring Career Opportunities at Paynada?

Holiday Retail Success: 6 Key Strategies for Higher Sales

With holiday sales projected to grow 3-4% over last year, this season presents a golden opportunity for retailers to capitalize on the expected “record level” increase in consumer spending during November and December. In this post, we’ll share strategies to captivate customers, deliver delightful shopping experiences, and drive more holiday sales for your business. Dive in to discover how you can transform your store into a holiday hotspot.

Holiday shopping in the store

1. Understand Your Customers

Above all, it’s essential to understand who your customers are during the holiday season. Are they looking for quick, budget-friendly gifts, or are they in search of something unique, unusual, or luxurious? Leverage customer data and reflect on past holiday sales trends to shape promotions and product selections that truly speak to your audience’s needs and preferences. 

2. Diversify In-Store Promotions

When it comes to in-store holiday promotions, think beyond the discount sign. By varying your in-store promotions, you offer a more enticing experience for customers. Here few examples: 

  • A “12 Days of Christmas” event, where a new deal is unveiled each day 
  • Bundled deals that combine products for a more attractive price 
  • Early bird specials and last-minute deals  

Additionally, if you don’t already have one in place, the higher-traffic holiday season is an opportune time to implement a loyalty program, where frequent shoppers earn points or receive special discounts, adding an incentive for repeat visits.  

Holiday store decoration

3. Craft a Festive Shopping Environment

Transform your store into a festive destination with simple touches like holiday decorations, seasonal music, and themed displays.  Consider the use of inviting scents like pine or cinnamon to enrich the ambiance and evoke a cozy sense of warmth for shoppers.  A gift-wrapping station or a holiday selfie corner are some other experience enhancers.

4. Personalize Customer Service

In today’s digital age, the personal touch offered by brick-and-mortar stores can be a significant advantage. Train your staff to provide thoughtful service, such as personalized gift suggestions or efficient checkout processes.  5. Run Social Media Challenges and Contests

Holiday Special Offers

5. Run Social Media Challenges and Contests

Leverage the power of social media to create a buzz around your store with engaging challenges and contests. These fun activities increase engagement and can attractcustomers to your store. Plus, it’s a great way to build a stronger online community around your brand. Here are some ideas to consider: 

  • Host Interactive In-Store Challenges: Design challenges that require participants to visit your store. For instance, a ‘holiday treasure hunt’ where customers look for hidden symbols or items around your store. Publicize these challenges on Instagram and Facebook to reach a wider audience. 
  • Create Exclusive Social Media Offers: Announce special offers and discounts that are only available to your social media followers. This could be a secret password or phrase they mention at the checkout to access an exclusive discount. 
  • Photo Contest with In-Store Displays: Encourage customers to take creative photos with your holiday-themed store displays and share them on social media using your campaign hashtag. Offer prizes for the most creative, funny, or festive photos. This not only drives foot traffic but also provides free promotion through customers’ social networks. 
  • Engage with User-Generated Content: Actively engage with users who participate in your social media challenges. Reposting their content on your store’s social media pages shows appreciation for their effort while inspiring others to take part.

6. Cross Promotions

Team up with nearby businesses for cross-promotions. For instance, if a customer makes a purchase at a neighboring café, they could receive a discount voucher for your store, and vice versa. This helps to increase foot traffic and benefits both businesses. 

Wrapping Up

Now that you are primed for holiday success, it’s time to put these strategies into play. But before you go, there’s one more important piece to maximizing profit during the holidays: payment processing.  

While credit card processing fees can diminish hard-earned holiday revenue, Paynada offers a solution that enables businesses to realize more profit from every transaction, leading to a merrier bottom line.  

Find out more HERE  


The Ultimate Guide to Choosing the Right POS System

In a world where efficiency and customer experience stand at the forefront of a successful business, choosing a POS (point of sale) system is a pivotal decision. But given the multitude of options available, it can feel like a daunting task.

Whether you manage a busy restaurant, a small shop, or a multi-location retail chain, this guide is designed to illuminate your path.

From understanding the different types of systems to identifying the features most aligned with your goals, by the end, you will be well-versed and prepared to make an informed decision for your business. 


What is a POS System?  

A POS system is a combination of software and hardware that enables businesses to process customer payments at the point of sale. With advances in technology, POS systems have evolved into versatile and vital tools for businesses of all sizes.



More powerful, flexible, and functional than ever before, modern POS systems enable businesses to optimize their operations and customer experience with a host of beneficial features such as:

  • Flexible payment options  
  • Menu and order customization 
  • Inventory management  
  • Self-serve ordering 
  • Actionable data about sales trends and customer behavior 
  • Employee time-clock management  
  • Built-in tipping functionality 
  • Scalability from start-up to enterprise 
  • Enhanced communications via automated SMS notifications  
  • Customer loyalty programs to drive repeat business 
  • On and off-premises operations capability
  • Integrations with food delivery services  


See what Paynada’s point of sales systems offer


Types of POS Systems

When searching for a POS system, you will find an assortment of options available. Let’s delve into them to help you understand the distinctions. 

Kiosk POS systems 

Kiosk POS systems epitomize the self-service revolution in the retail and food service industries. These independent stations empower customers by affording them the convenience and speed of completing purchases, placing orders, and making payments independently. Available in various shapes and sizes, kiosk POS systems are tailored to fit diverse business environments and customer traffic volumes. 

Typically equipped with a stand, interactive screen, responsive touchscreen, and a secure card reader, kiosk POS systems prioritize ease of use and customer satisfaction. Their intuitive design ensures customers can navigate the purchasing process with minimal assistance, significantly speeding up transaction times and reducing queues. 

By facilitating quick checkouts, they enable teams to focus on other tasks like helping customers and checking inventory. Kiosk POS systems are an especially good fit for quick-service restaurants, grocery stores, and retailers. 


Cloud-based POS systems

Cloud-based POS systems are becoming increasingly popular thanks to their flexibility and ease of use. These systems are hosted in the cloud, which means they can be accessed from anywhere with an internet connection. This widespread accessibility makes them an ideal choice for businesses operating across multiple locations or those needing on-the-go access to their sales systems. Cloud-based POS systems are particularly well-suited for businesses that have multiple locations or require mobile access.  


Mobile POS systems   

Mobile Point of Sale systems provide businesses with the unparalleled convenience of processing payments securely and efficiently right from a smartphone or tablet. This advantage makes them perfect for businesses that are inherently mobile or do not have a fixed storefront, such as food trucks, pop-up shops, and event vendors. 



Mobile POS systems not only facilitate seamless transactions but also equip businesses with features like digital receipts, inventory tracking, and sales analytics. These systems adapt to the fast-paced world, enabling businesses to meet customer expectations for quick and hassle-free transactions while also managing their operations effectively even on the move.


Desktop-based POS systems 

Desktop-based POS Systems serve as robust solutions for traditional brick-and-mortar establishments requiring comprehensive functionality beyond just payment processing. They are usually used in retail environments where transactions are processed by cashiers, ensuring that the sales process is smooth, accurate, and reliable for both the business and the customers. 

Installed on a computer, laptop, or dedicated on-premises system, a desktop POS offers extensive features for managing manifold aspects of a business. For example, inventory management is streamlined, allowing businesses to effortlessly monitor stock levels, track sales trends, and make data-informed decisions for restocking. Additional operational efficiencies are gained with the ability to connect peripherals like barcode scanners, credit card readers, and cash drawers. Desktop-based point of sales systems also help businesses with relationship management; by maintaining detailed customer data, they enable personalized marketing and loyalty programs.


Hybrid POS systems  

Hybrid POS systems combine features from desktop-based, cloud-based, and mobile POS systems. Hybrids offer the flexibility of cloud-based and mobile systems with the robustness of desktop-based systems. For businesses that have more than one location or need to access their system from different places, hybrid point-of-sales systems may be the perfect choice. They allow businesses to keep track of sales, inventory, and customer information easily from anywhere. 



Understanding Your Business Needs and Goals 

To identify the ideal POS system for your business, it’s imperative to first nail down your needs. Restaurants might require features such as table reservation management, menu customization, the ability to split checks, and integration with a kitchen display system to improve communication between the front and back of the house.  

Alternatively, retail businesses might prioritize inventory management, barcode scanning, the ability to handle returns and exchanges, and integrations with e-commerce platforms that allow businesses to operate both online and in-store. 

Start by making a list of your specific requirements and prioritize them. Once you have determined your requirements, you can begin sizing up POS systems and come up with a shortlist of options that align with your needs and goals. Read on for a rundown of the most commonly sought features in point of sale systems.

Check out Paynada’s point of sales systems here


Features to Look for in a POS System


Flexible Payment Options 

A good POS system accommodates various payment methods, giving customers the freedom to pay how they prefer, whether through credit cards, debit cards, mobile payments, or cash. This flexibility enhances the customer experience, leading to increased satisfaction and potentially, more sales.

Menu and Order Customization 

POS systems that allow for menu and order customization offer restaurants and food service businesses the flexibility to easily update and modify menu items, enabling them to cater to the diverse needs and preferences of their customers. 

Self-Serve Ordering 

Self-serve ordering functionality in a POS system empowers customers, allowing them to place their orders directly, reducing wait times and improving the overall customer experience. This feature is particularly advantageous for fast-paced environments.

Inventory Management 

One of the key features of a POS system is the ability to track inventory levels in real time. This allows businesses to keep track of stock levels, monitor sales trends, and make informed decisions about when to restock items. Some POS systems even offer automated inventory management capabilities that can help reduce the risk of overstocking or understocking.  

Customer Relationship Management

Many POS systems also offer customer relationship management (CRM) features that allow businesses to track customer data and purchase history. This information helps businesses personalize the customer experience, offer targeted promotions, and improve customer retention rates.

Sales Reporting and Analytics

The ability to generate sales reports and analytics is another valuable feature. Supplied with insights into sales trends, customer behavior, and the effectiveness of marketing campaigns, businesses can make data-driven decisions about how to improve sales. 

Employee Time-Clock Management 

Effective employee time-clock management in a POS system simplifies the task of tracking employee hours, attendance, and schedules. This feature helps businesses manage their workforce efficiently, ensuring staff accountability and aiding in payroll processing. 

Automated SMS Notifications 

A POS system with automated SMS notification functionality allows for enhanced communication with customers by sending them timely and relevant information, updates, and offers. This feature helps in keeping customers engaged and informed, leading to improved customer relations. 

Integration Capabilities 

Lastly, consider the integration capabilities of a POS system. Some are designed to seamlessly integrate with other software tools such as accounting software, e-commerce platforms, and marketing automation tools. This helps to improve efficiency by reducing the need for manual data entry and duplication of effort.  

Learn about Paynada’s point of sales systems


Future-Proofing Your Choice   

Factor in your future growth and expansion plans when evaluating a POS system. Can it adapt and scale with your business? Is it capable of handling increasing transaction volumes and new payment methods like mobile wallets? Is the POS designed to stay up-to-date with the latest trends and technologies like AI? If you go with a POS that’s lacking in some of these areas, you could find yourself in a position where you have to replace the system in the near future — depending on the evolving needs of your business.

How Much Does a POS System Cost? 

POS systems vary in pricing. POS software costs can range from $0 to more than $200 per month for cloud-based systems, while hardware costs can range anywhere from $0 for a simple card reader to more than $1200 for a complete retail register. Payment processing fees are an ongoing expense; however, these fees can be avoided with Dual Pricing such as the program Paynada offers. When it comes to costs, it’s important to bear in mind both upfront expenses and ongoing fees. By carefully considering your specific needs, you will be able to find a POS system that checks all of your boxes and fits your budget.

Ease of Use  

Evaluate the potential impact of the POS system on your team and their ability to use it effectively. Look for a system with an easy-to-navigate interface to minimize the learning curve for new staff members, allowing them to become proficient, quickly and effortlessly. This ease of use will contribute to a more efficient workflow, reduce the likelihood of errors, and improve customer satisfaction.  


Finally, investigate the level of training and customer support provided by a POS system provider. A helpful, responsive, and reliable support team can make all the difference in ensuring a smooth and positive user experience for you and your staff. 



Taking the Next Step

That’s a wrap. With all that we’ve covered in this article, you are now ready to set out on the mission to find the ideal POS for your business! Talk to Paynada today to find out how we can assist you in your evaluation. Our POS experts are ready to guide you in choosing a POS system that helps your business thrive.

Contact Paynada Today! 



How to Win With Social Media: A Small Retailer’s Guide

Running a retail business and feel like a small fish in a big pond? What if there was a way to make waves without needing a big budget? There is thanks to social media marketing. In this post, we’ll explore how to navigate its waters and turn your small business into a big deal. 

To reach customers, build brand loyalty,  and drive sales in today’s competitive business landscape, small business owners must take advantage of every tool at their disposal. No longer a nice-to-have or an afterthought, a social media presence is now a key piece of the marketing mix for businesses of any size that want to build their brands and grow. For small retailers, this means utilizing social media platforms to reach their target customers and showcase their unique products and services. Leveraging social media effectively can provide small retailers with opportunities to: 

  • Engage with customers through interactive content 
  • Build a loyal customer base by responding to feedback and inquiries 
  • Promote sales, special offers, and events 
  • Showcase their brand story and values to stand out from competitors 


Retailer using social media


The Potential of Social Media in Retail

The numbers don’t lie: according to Sprout Social, 78% of consumers are willing to buy from a company after having a positive experience on social media. As a small retailer, social media platforms serve as avenues to effectively communicate with existing customers, attract potential ones, and provide immediate and personalized customer service.  

Social platforms enable innovative marketing tactics such as video presentations, live interactions, and customized promotions. These tend to resonate with today’s consumers more than traditional advertising methods. They also open the door to a wealth of user data, yielding valuable insights into customer behavior and preferences. This can guide your product selection and marketing efforts. 

Choosing the Right Platforms for Your Business 

Understanding where your target customers spend their time online is vital to your social media marketing success. Consider conducting a survey among your existing customers to find out which platforms they frequent. Instagram and TikTok are favored among younger audiences. Facebook is widely used by all age groups.  LinkedIn is most suitable for B2B interactions, and Pinterest often inspires idea generation and shopping. 

Content Strategy for Small Retailers 

Developing a thoughtful content strategy is essential for successful social media marketing. It’s in your best interest to create content that goes beyond promotion and is valuable to your audience. How-to videos, informative and insightful blog posts, and user-generated content such as customer testimonials or photos can significantly boost engagement with your brand. Behind-the-scenes content or employee spotlights serve to highlight the human face of your business and build a closer connection with customers.  


Retailer owner is happy with the outcome of the social media performance


Let Your Customers Do the Selling

Encouraging your customers to post about their experiences with your brand or products (user-generated content) helps to foster a sense of community around your business, generates free marketing content, and often leads to higher customer loyalty. Another way to expand visibility is to collaborate with influencers who align with your brand values and have a following that matches your target demographic. Such collaborations offer cost-effective options for small retailers with limited marketing budgets.

Engaging with Your Audience 

Successful social media marketing involves more than just publishing content—it’s about fostering a two-way conversation with your audience. Make it a priority to promptly to comments and inquiries. Acknowledge with appreciation any user-generated content. Participate in relevant discussions and trends within your industry to enhance your brand visibility and credibility. 

The Power of Analytics 

Social media analytics yield valuable data that can help refine your marketing strategy and maximize your return on investment. For instance, by tracking engagement rates, follower growth, and content performance, you can identify what types of posts resonate most with your audience and adjust your content strategy accordingly

Effective Use of Paid Social Media Advertising

While organic growth through quality content and audience engagement is crucial, don’t overlook the potential of paid social media advertising. These ads provide a cost-effective way to reach a larger or more targeted audience quickly. Keep track of which ads perform the best to ensure you’re getting the most value for your money. 

Social Media Management Tools for Small Retailers 

With the numerous demands of running a small business, managing your social presence might feel overwhelming. Thankfully, there are plenty of tools, such as Hootsuite, Buffer, and Sprout Social to streamline the process.  These technologies enable you to schedule posts, monitor engagement, analyze performance, and manage multiple social media accounts in one place. 


Influencer taking photos


How Much Time Should Small Retailers Invest in Social Media Marketing? 

A common conundrum for small retailers venturing into social media marketing is, “What should be the ideal time investment to produce fruitful results?” This puzzle has no one-size-fits-all solution; instead, it depends on variables such as your business’s size, the audience you’re targeting, and the platforms you’re leveraging. 

The answer will vary depending on multiple factors: the size of the business, the target audience, and the number of platforms used. A Hubspot study revealed that 43% of small businesses spend around 6 hours per week on social media, which is approximately a single business day. On the other hand, a report from NerdWallet suggests that the majority of small businesses spend more than 20 hours per week on marketing activities, a significant chunk of which is dedicated to social media. 

The key takeaway here: social media marketing is not a “set it and forget it” strategy. It requires consistent engagement, content creation, and community management to be effective. The goal is to strike a balance between investing enough time to reap substantial benefits, and not getting so engrossed that your return on investment diminishes. As with any marketing strategy, it’s important to evaluate and adjust your time investment based on the results you’re seeing. 

Embracing Social   

While you might have been thinking, “I’m just a small business owner, how can I possibly compete with the big guys?”, as we’ve now seen, the beauty of social media marketing is that it levels the playing field.  Sure, the landscape is ever-changing, and yes, it may feel a bit overwhelming at first. But the rewards can be substantial. 

Don’t worry about being a small player. With creativity, effort, and your new know-how you can showcase what makes your business special, connect with your target customers, and drive sales — all without breaking the bank. So, roll up your sleeves and dive in! 

Would you like to retain more revenue by eliminating credit card processing fees? Visit us here to find out how we help retailers go fee-free.