Today we’d like to introduce you to Will Hall.
Hi Will , so excited to have you on the platform. So before we get into questions about your work-life, maybe you can bring our readers up to speed on your story and how you got to where you are today?
I’ve always been drawn to helping people and solving problems, which is ultimately what led me into the payments and financial services industry. Early in my career, I saw firsthand how many business owners were frustrated by confusing pricing, poor service, long-term contracts, and a lack of transparency from their providers. It felt like the industry was built around what was best for the processor rather than what was best for the merchant.
Over time, I had the opportunity to work with thousands of business owners across a wide variety of industries. The more conversations I had, the more I realized that most business owners weren’t just looking for a payment processor—they were looking for a trusted advisor who could help them save money, streamline operations, and connect them with resources to help their businesses grow.
That realization led me to found Paybility Financial. We built the company around a simple philosophy we call “Merchant First.” Instead of trying to fit merchants into a one-size-fits-all solution, we take the time to understand their business and build a system around their needs. Whether that’s reducing processing costs, improving payroll efficiency, implementing technology, automating workflows, providing capital, or simply connecting them with the right people, our goal is to create value beyond the transaction.
Today, I’m fortunate to lead a growing organization that serves businesses across the country. What I’m most proud of isn’t the growth itself—it’s the relationships we’ve built. We measure success by the impact we have on our merchants, the trust we earn, and the role we play in helping business owners achieve their goals.
At the end of the day, my journey has been about one thing: helping business owners keep more of what they earn, get time back in their day, and build stronger businesses for themselves, their employees, and their communities.
Alright, so let’s dig a little deeper into the story – has it been an easy path overall and if not, what were the challenges you’ve had to overcome?
One of the biggest obstacles I’ve faced has been building a business in an industry that doesn’t always have the best reputation. When people hear “merchant services,” many immediately think of hidden fees, long contracts, surprise rate increases, and high-pressure sales tactics. Early on, that meant we had to work twice as hard to earn trust because we weren’t just introducing our company—we were overcoming perceptions of the entire industry.
Another challenge has been learning that growth isn’t just about acquiring customers; it’s about building the right team, systems, and culture to support that growth. Like many entrepreneurs, there were times when I tried to do too much myself. Learning to delegate, trust others, and focus on building processes instead of solving every problem personally was a significant growth opportunity for me as a leader.
I’ve also learned that staying committed to your values can sometimes be the harder path. We’ve made a conscious decision to operate with transparency, avoid contracts, avoid surprise rate increases, and put merchants first, even when other approaches might generate more short-term profit. There have been moments where that philosophy required us to walk away from opportunities that didn’t align with who we wanted to be as a company.
Looking back, though, those obstacles have been some of my greatest teachers. They’ve reinforced the importance of trust, consistency, and playing the long game. Every challenge has helped shape both me and the business into what we are today.
Appreciate you sharing that. What else should we know about what you do?
“We’re not really in the payment processing business—we’re in the business of helping business owners win.”
That’s the simplest way to describe what I do.
A lot of people know us for payment processing, but that’s really just one piece of the puzzle. My team and I help business owners save money, put time back in their day, and build more efficient businesses. Sometimes that means lowering processing costs. Sometimes it’s streamlining payroll, implementing technology, automating workflows, improving reporting, providing access to capital, or connecting them with trusted partners who can solve other business challenges.
What I specialize in is taking a merchant-first approach. Rather than leading with a product or service, I start by understanding the business owner’s goals, challenges, and opportunities. Every business is unique, and I believe the solution should be built around the merchant—not the other way around.
Over the years, I’ve become known for being transparent, accessible, and genuinely invested in the success of my clients. If a business owner calls me with a problem, I want to help solve it, whether it’s directly related to what we offer or not. I believe relationships matter, and I’ve built my business around being a trusted resource rather than just another vendor.
What I’m most proud of is the trust we’ve earned. Most of our growth has come through referrals from existing clients, partners, and people in the community. To me, that’s the ultimate measure of success because it means people value the relationship enough to put their reputation behind recommending us.
What sets us apart is our Merchant First philosophy. We modeled it after the idea of putting people ahead of profits. We don’t believe in locking businesses into contracts, surprising them with rate increases, or pushing solutions that aren’t in their best interest. Instead, we focus on earning our clients’ business every month through service, value, and results.
At the end of the day, if we’ve helped a business owner keep more of what they earn, get time back to focus on what matters most, and feel supported along the way, then we’ve accomplished exactly what we set out to do.
What would you say have been one of the most important lessons you’ve learned?
The most important lesson I’ve learned is that people do business with people they trust.
When I was younger in my career, I thought success was mostly about having the best product, the best pricing, or the best solution. Those things matter, but over time I’ve learned that trust is what truly drives long-term success. Business owners have options. What they’re really looking for is someone who will be honest with them, do what they say they’re going to do, and be there when they need help.
I’ve also learned that relationships are always more valuable than transactions. Some of the best opportunities I’ve had didn’t come from trying to make a sale—they came from investing in people, helping when I could, and focusing on creating value without expecting something in return. When you genuinely care about helping others succeed, opportunities tend to follow.
On a personal level, I’ve learned that growth requires patience. As entrepreneurs and leaders, we often want results immediately. But building a great company, developing a strong reputation, and creating lasting impact takes time. The habits you build, the culture you create, and the way you treat people consistently over the years matter far more than any short-term win.
If I had to summarize the lesson in one sentence, it would be this:
Take care of people first, and business will take care of itself.
That philosophy has shaped how I lead, how I serve clients, and ultimately how we’ve built our company.
Contact Info:
- Website: https://www.paybility.net
- Facebook: https://www.facebook.com/paybilityfinancial
- LinkedIn: https://www.linkedin.com/company/paybility-financial/
