Xpress-pay

Xpress-pay Xpress-pay is a premier digital bill payment solution provider for businesses and software developers. Connect with us now to learn more!

Eliminate credit card transactions costs and grow your bottom line by as much as 30% overnight! Our web-based, secure digital bill payment tools provide substantial benefits to any business by streamlining how you accept payments online, in-person, and on-the-go. We also handle all sensitive information, eliminating your expenses of complying with the Payment Card Industry’s Data Security Standards (PCI/DSS).

John runs a family insurance agency in Central Florida.Federal regulators, state regulators, local regulators — all of t...
09/06/2026

John runs a family insurance agency in Central Florida.

Federal regulators, state regulators, local regulators — all of them telling him which accounts his money could sit in. He owned the business. He barely controlled his own cash.

We sat down with him and his brother in 2007. Took a few months to work it out together. Today, almost twenty years later, they're still with us — and thriving.

The regulations didn't change. What changed was the system underneath them.

I was 15 years old, sitting at my parents' dinner table, when my dad told me how well the business was doing that year.I...
09/06/2026

I was 15 years old, sitting at my parents' dinner table, when my dad told me how well the business was doing that year.

I didn't understand the numbers. I understood the look on his face. That's the night I decided I wanted to be part of whatever that was.

I went and did it the "right" way — business degree, graduated with honors from SUNY Oswego. Four months after graduation, my dad hired me. His exact words: "Nepotism is a great way to get a job. But no way to keep it. So buckle up — and don't screw this up."

I did not immediately not screw it up. A year in, I was stuck rerunning the same tasks on a project that was five years overdue and way over budget. When the next business cycle hit, my dad had to lay me off to keep the company afloat. Not fired. Not a falling out. Just business.

I spent a year in finance, selling investments, learning to actually sell. Then I called him: "If you've got an opening, I'll come back. Otherwise, I'm moving to Arizona."

He gave me a sales role. Twenty-some years later, we've moved tens of billions of dollars for clients together, built one of the biggest money movement systems in the country, and I'm still doing it with the same people who started it.

Kind of cool, eh? What family business are you sitting inside of, that you never quite stopped to notice?

You didn't hire your first employee and keep doing everything yourself.You didn't rent your first office and keep meetin...
09/05/2026

You didn't hire your first employee and keep doing everything yourself.

You didn't rent your first office and keep meeting clients at the coffee shop.

You didn't land your biggest client and keep using the same invoice template from year one.

At every stage, the business outgrew the last version of itself. Except one part. The part that decides how money actually moves in and out — that's usually still running on whatever you set up when you were small.

Worth a second look, don't you think?

Twenty years ago I sat across from a business owner who was proud — rightly so — that he'd just closed his best year eve...
09/05/2026

Twenty years ago I sat across from a business owner who was proud — rightly so — that he'd just closed his best year ever. Revenue up 40%. Team doubled. Then I asked him one question: "What's it costing you to actually get paid?"

He didn't know. Not roughly. Not at all.

We pulled his statements. Between processing fees, the days his money sat in a settlement window before it hit his account, and the interest he was quietly losing on cash that could've been sitting in an investment account instead — he was bleeding just under $19,000 a year. On a business he thought he was running tight.

Here's the thing about that kind of leak: it never shows up as a line item that yells at you. It's not a vendor invoice you have to approve. It's not a bounced check. It's just... gone, a little at a time, in a place nobody's trained to look.

You review your P&L. You review payroll. You probably review your ad spend down to the penny. When's the last time you actually reviewed how money moves in and out of your business — not the amount, the mechanism?

Most owners haven't. Not because they're careless. Because nobody ever told them it was worth reviewing.

I'd bet there's a number sitting in your business right now that would surprise you. Would you actually want to know what it is, or would you rather not?

Every dollar leaking out through an inefficient setup is a dollar you earned that someone else is quietly keeping.Free o...
09/03/2026

Every dollar leaking out through an inefficient setup is a dollar you earned that someone else is quietly keeping.

Free on-demand training on how to stop that, under 30 minutes, no cost. Comment for the link.

We've been called the best kept secret in the industry for twenty years. We're done with the secret part.Since 2005 we'v...
08/03/2026

We've been called the best kept secret in the industry for twenty years. We're done with the secret part.

Since 2005 we've built payment infrastructure for service businesses that had outgrown self-serve tools. Municipalities, contractors, property managers, insurance agencies, utilities.

Tens of billions moved for clients. $131 million recovered in client profits. PCI Level One certified on Visa's list since 2012. Two percent annual churn against twenty-four percent industry-wide.

Our clients don't shop the market anymore. That's the outcome we actually sell.

If you're comparing options right now, give us an hour Thursday at noon Pacific. Free, live, for operators doing $250K to $200M. Link's in the comments.

See you in there.

Thursday at noon Pacific. Financial Freedom Formula. Free and live.One hour on the four places money moves through a ser...
07/30/2026

Thursday at noon Pacific. Financial Freedom Formula. Free and live.

One hour on the four places money moves through a service business — how you collect it, how it moves, how you see it, and how much you keep — and exactly where each one leaks.

Built for owners doing $250K and above. No pitch marathon, no forty-minute warm-up.

You'll leave able to audit your own setup whether or not you ever speak to our team.

Seats are open now. Link's in the comments.

See you in there.

Three percent of $1 million is $30,000. Gone before it reached the account.That's not a scare number. It's arithmetic mo...
07/29/2026

Three percent of $1 million is $30,000. Gone before it reached the account.

That's not a scare number. It's arithmetic most operators have never run on their own business.

Here's what makes it invisible. It never shows up as a bill. There's no invoice to approve, no vendor to call, no line item that makes you flinch. It comes out before the deposit lands, so the number you see is already the number after.

You can't manage what you never see.

Over twenty years we've helped clients recover $131 million in profits they were handing over without knowing it. Profits, not revenue — eliminated fees go straight to the bottom line.

Have you ever run that math on your own volume?

Thursday at noon Pacific I'll walk you through exactly how to find it. Free, live, for service businesses doing $250K and above. Link's in the comments.

See you in there.

Eleven line items. One statement. The owner could explain two of them.That's a real conversation from last month with a ...
07/28/2026

Eleven line items. One statement. The owner could explain two of them.

That's a real conversation from last month with a business doing about $1.4 million.

Complexity isn't an accident in this industry — it's the pricing model. Every rate tier, every entry-method surcharge, every condition buried in a document signed in a hurry years ago does the same job. It makes the total impossible to audit.

You can't negotiate what you can't read.

We replace the whole thing with a configured arrangement an owner can explain in one sentence.

Can you explain yours?

Thursday at noon Pacific, free and live, for service businesses at $250K and above. Link's in the comments.

See you in there.

The infrastructure always lags the operator.You outgrow the bookkeeper and hire an accountant. You outgrow the garage an...
07/27/2026

The infrastructure always lags the operator.

You outgrow the bookkeeper and hire an accountant. You outgrow the garage and sign a lease. You outgrow doing everything yourself and build a team.

Every one of those upgrades happens because somebody notices the gap.

Money movement is the one system that never gets that moment. It runs on the original setup, unreviewed, while the business it serves triples.

Closing that gap is the entire point of Thursday.

Financial Freedom Formula, noon Pacific, free and live, for service businesses doing $250K and above. Link's in the comments.

See you in there.

Address

Cortland, NY

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 6pm

Telephone

+16077536156

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