Wednesday, May 6, 2015


From the desk of Founder JOHN DANIELS:

I wanted to send this out to all those who doubt that you can become rich in this business. There are hundreds of stories like this, but I personally experienced the stories of three of them.. 

Each of these young men are not millionaires but billionaires. They started from the ground floor,  just as you are starting as agents, working for other Billionaires. 

Jared Isaacman was one of the most amazing stories of the three, having started in his Dad's basement at the age of 16 after dropping out of high school and last month bought the first company he went to work with for the tidy sum of $200 million dollars. He started as an errand boy.

Jared changed my life forever. I started working for his company when he was 19 years of age. I did not know for sometime that he was 19 until I first met him. He changed the credit card industry by being  the first to give away free terminals. They said he will not last 6 months and laughed and made fun about how stupid he was but he got the last laugh because they all were forced to followed suit.
These men all started at the bottom but got to the top. Their families were not rich -- they had to make it on their own.

 I am so glad that I got to work with them because knowing their stories help me to believe that it is possible. I wanted to send this to everyone so you might believe also. I just read that the credit card business had just cracked the 5 trillion mark and will keep growing. Be patient, work hard and learn this business and don't get discouraged: it will happen for you.  -John

*See articles on The Three below.


From the desk of Paul Siemik:

What a great call last night and it was very well attended.  I will be doing another Business Overview call on Thursday evening (same time, same place) and will send out anther email announcement to everyone.  Let’s pack the lines again!

Already I’ve heard from some of those who had their prospective agents on the call last night and they told me that those new people were enrolling.  That’s great.  Together we’ll continue to build tremendous momentum moving forward introducing what I call a “Real Business” to all our networking friends and all other professionals looking to build a real residual income over the coming months and years that won’t go away. 

Ok, so here’s the link to the call from last night.  Get it out to everyone on your team and all of your prospective agents.  Then get them on our call Thursday evening.  Just as merchant processing is a “process” so is building your Digital World Pay team an ongoing process.  Now just click on the link.

Have a great day!


From the iphone of Mike Lammons: 

Some of U (and Us) have kids and grandkids same age of three entrepreneurs John mentions above.  I have spent many years trying to figure out why some people are leaders and some are followers--regardless of age. What is the main quality that separates leaders and followers???? I still do not know- so if u do, send it to me.

 One thing I do know is the two types of business- traditional and non-traditional. Barb and I spent our first 25 married years in traditional biz- starting and owning all types of risk-laden bizzes. And we got paid last even though we had ALL capital investment tied up. Hundreds of thousands of our dollars tied up in each. And some of them turned out to be real downer bizzes. But we never quit looking for the perfect biz. In April, 1993, Barb found the perfect non traditional biz. Direct Marketing with a telecom company. To my surprise only small investment required and we started making money helping other folks who joined our biz.

 That was fun, profitable BUT after 22 years in this industry, we have found the PERFECT biz. Digital World Pay will surpass anything we have ever seen because of the industry and growth potential. Print these stories off and when u get discouraged, read these articles  I guarantee u, these guys wanted to quit in the early days---but they kept on and Two of them have now given each of us a great opportunity thru Direct Marketing to share in their industry.

 Thanks to John Daniels for these stories!  Mike 


*3 Billioniares
The Wunderkind

Jared Isaacman
hatched a $58 million credit-card processing firm in his parents'
basement. Today, he counts Burger King and Ferrari among his clients.
By Angus Loten
When e-commerce was coming of age, so was Jared Isaacman. In 1999, while other New
Jersey kids were shooting hoops after school, the 16-year-old was working part-time in
the IT department of a nearby credit-card processing firm. There, he discovered a critical
industry secret: "They were 20 years behind in technology and had to outsource almost
everything they did," says Isaacman, now 23.
Another tech-savvy, dot-com era teen dumping on his corporate elders? Hardly. Within a
year, Isaacman struck out on his own, fully believing a credit-card processing business
with in-house systems -- from automated reporting and tracking, to online sales,
marketing, and customer service -- could do more with less and outpace the competition
by days, if not weeks.

He was right. Soon, United Bank Card, the company he bypassed college to found in
2000, was attracting upwards of 300 new clients a month, processing credit-card
transactions for restaurants, liquor stores, and other brick-and-mortar merchants. By

2003, a top trade magazine ranked the then-unknown company No.1 in customer service,
more than doubling its client accounts overnight.

A 23 Year-Old CEO
Today, United Bank Card has some 45,000 clients -- including Burger King, Ferrari, and
other corporate-world VIPs -- processing more than $4 billion in transactions every year
and earning a spot at No. 19 on the Inc. 500. The company brings in 3,000 new clients
every month with its network of independent salespeople and has since diversified into
ATM transactions. Yet, Isaacman says he doesn't worry about finding new clients,
because the market he serves is itself growing. "This country is filled with entrepreneurs

and there are thousands of new small businesses every day," Isaacman says. "That's our
business growing, too."


When Boston College alumnus Michael Nardy began selling auction software to
companies during the height of the dot-com boom, he quickly noticed demand for
money-transaction services among his clients.
"I realized there's a whole world of credit-card processing," Nardy says. "There are
plumbers, retail stores, supermarkets, gas stations -- that opens up a huge market for us to go into."
Founded in 2000, Electronic Payments literally began in Nardy's college dorm room with
only employee -- himself. But within three years, he had hired 25 employees in three
different states, with a network of 400 sales agents and 10,000 merchants across the

"Finally, I called my college roommate, Matt, and said, 'Here's what I'm doing, here's
what I got, and I need some help," Nardy says.
What Nardy had was a nearly omnipresent business model on his hands. As more and more people opt for paperless money, the necessity grows for a service to facilitate card
and check transactions. Not only does Electronic Payments dispatch agents to those
businesses to sell access to its transaction network, but it also services larger merchants,
from Subway restaurants to Toyota car dealerships directly as their primary transaction
processor. When a customer swipes a credit card, a signal is sent over the Electronic
Payments network, and the company ensures that transaction is secure, fast, and
seamless, Nardy says. The company charges a small percentage of each transaction, and
some businesses process at least 50,000 transactions a month. Electronic Payments has increased its revenue from $5.5 million in 2007 to $17.6 million in 2008 -- despite the recession -- and processes $1.5 billion in transactions on its network on a yearly basis.

The company also landed at No. 70 on this year's Inc. 500 list of the nation's fastest-growing private companies.
Nardy attributes the company's gains to several factors, including the cash-to-card migration, but believes the primary key is keeping a small business mentality as th company approaches big business status. A majority of the success is rooted in local service and support, he says, and he doesn't forget the little things that make a customer feel appreciated, such as zero hold time and returning messages.
"We're very hands-on," Nardy says. "If you could compare us to banking, we're your local neighborhood community bank, but we're you're processor."
Nardy's commitment to customer relations might stem from a discouraging situation he
experienced starting up, when he approached two major transaction companies -- in
hopes of using their services to help build up his business -- and was flatly denied. While
he says he now realizes how his small start-up may not have been attractive to the
companies, he remembers the sting of the rejection vividly.

"I didn't understand enough about business to understand where they were coming from,"
Nardy says. "I was 19. I was disappointed, but it gave me the resolve to work harder."


North American Bancard
Marc Gardner is founder, president, and
CEO of North American Bancard, a multi- faceted payment solutions provider
dedicated to delivering the latest payments technology with the highest level of customer
service. Headquartered in Troy, Michigan, North American Bancard ranks as one of the
industry’s top 30 acquirers; an achievement due in large part to Marc’s commitment and
vision. North American Bancard was also named 2014 ISO of the Year at the Electronic
Transactions Association (ETA) Star Awards.
Through Marc’s driving force and determination, one small office grew into an
established ISO that processed over $15 billion in 2013. Marc now employs over 900
people at his corporate office and other locations with an additional 3,000 plus
independent agents located across the country. Today, North American Bancard
continues to expand both organically and through strategic acquisitions.
Under Marc’s leadership, in 2010 NAB launched PayAnywhere, a mobile point of sale
solution designed for businesses of any size. PayAnywhere was born from Marc’s vision
of harnessing the computing power and mobility of smartphones and tablets to mobilize
the point of sale. Leveraging the considerable payments industry resources of NAB, Marc
brought PayAnywhere to market with its free mobile credit card reader and highly
regarded iPhone app. Executing against Marc’s vision, the company has since added
support for the most popular smartphones and tablets and expanded its merchant-centric
feature set to establish PayAnywhere as the mobile POS solution of choice for businesses
of all sizes. PayAnywhere continues to usher NAB into the mobile frontier as a leader in
the disruption of the traditional point of sale experience, maintaining the striking growth
momentum that NAB is well known for.

Ernst & Young recognized Marc as the 2008 Entrepreneur of the Year for the Central Great Lakes region. This award is considered the world’s most prestigious business award for entrepreneurs and it is recognized globally. An active philanthropist and avid supporter of the arts, Marc serves on the Board of Directors at MOCAD (Museum of Contemporary Art Detroit) and provides philanthropic support to numerous organizations, including: AIPAC (American Israel Public Affairs Committee), National Center for Missing and Exploited Children, Friendship Circle, Detroit Public Television, Cranbrook and the Make-a-Wish Foundation.

Born and raised in a middle class working family in Detroit, Michigan, Marc adopted a
strong worth ethic at an early age; realizing true success can only be obtained through
hard work and extreme dedication. Marc embraced that philosophy throughout college,
graduating with an economics degree from the University of Wisconsin.
Marc’s introduction to the real world of business came during his college years where he would buy dilapidated houses on Fraternity Row, remodel them and then sell them for a profit. In between semesters, he interned for one of the country’s largest discount commodities brokers, running trades in the pit of Chicago’s Board of Trade. During this time, he was introduced to the burgeoning business of electronic payment processing.
Marc went on to secure a summer position at one of the country’s first independent sales organizations.
Marc continued his real estate career at a commercial leasing firm in Chicago after
graduating from college. He soon realized the bankcard business offered a better
opportunity for financial success and returned to the ISO where he had worked that previous summer. Through his hard work and his natural ability to close business deals, Marc was soon promoted to company sales manager. In 1992 Marc ventured out on his own to open the doors of North American Bancard.

No comments:

Post a Comment