The engine behind the producers.

John Galt Payments

HI THERE. WE’RE JOHN GALT

We provide full-spectrum payment capabilities for businesses that refuse to be slowed down.

Processing, financing, payouts - no bureaucracy, no bottlenecks, no excuses.

Payments built for people who build things.

Credit, debit, ACH and card-present or card-not present. We process transactions with speed, transparency and pricing that doesn’t require a forensic accountant to understand. Reliable infrastructure, high authorization rates, and settlement you can set your calendar to.

Payment Processing

Pay by Bank

ACH means batch windows, multi-day settlement, and returns that show up a week late. Pay by Bank replaces all of it — instant account verification, real-time confirmation, and funding that doesn't wait on the clearinghouse. Your customer authorizes, the money moves, and you know it cleared before you close the tab.

High-Risk Processing

Traditional processors see risk and run. We see a business that needs to get paid. John Galt Payments serves high-risk verticals that others won’t touch — with underwriting built on understanding your industry, not avoiding it. If you have customers and a product, we’ll find a way to move your money.

Lockbox Services

Paper checks still move billions. Our lockbox services intercept, process, and deposit them faster than any back office can — accelerating your cash flow and eliminating the lag between payment sent and payment received. Less float. More control.

Surcharging & Convenience Fees

Processing fees shouldn’t eat your margin. Our surcharging and convenience fee programs are fully compliant, transparently implemented, and designed to shift the cost of acceptance to the transaction — not your bottom line. You set the terms. We handle compliance.

Payments for Platforms

Your SaaS platform already runs the workflow — the payment shouldn't be the one thing that sends your customer somewhere else. We embed payments directly into your platform so transactions happen inside the experience you built and revenue stays in your ecosystem. One integration, full processing across your vertical, and a monetization layer that turns payments into platform revenue.

Financing

Our financing solutions span the full credit spectrum — from same-as-cash options for qualified buyers to sub-prime programs that expand your market without expanding your risk. The customer gets flexibility. You get funded.

Payouts

Vendors, contractors, affiliates, employees — when you owe money, delays cost trust. Our payouts move funds quickly and reliably, whether it's one payment or many.

Who is John Galt?

We're the team that got tired of watching productive businesses get buried under payment bureaucracy — approval queues, opaque pricing, risk departments that say no by default, and settlement timelines designed for the processor's convenience, not yours.

John Galt Payments was founded on one principle: the people who build, sell, and create shouldn't need permission to access their own revenue. We built a payments company that works as hard as the businesses it serves — lean, direct, and engineered to move money without friction.