One thing they don’t teach us African-Americans in school is how to take money as a business. I want you to think about it. They over there talking all day and night trying to get you to worship other Black entrepreneurs like that Black Enterprise garbage, trying to tell you to get a job somewhere or start a business but don’t explain to you the real hustle is mastering the art of taking money. When have you seen a true article from that garbage Black Enterprise about how to take money? Thought so.

In modern society, the reason you see the corpos and elitists getting super-rich is they know how to take money like a science. They have automated systems, multiple channels, multiple regions around the world. Meanwhile, brothas and sistas just be talking Cash App or they use primarily cash then be talking like they got the game all figured out on social media and my people be following that lightweight nonsense. Let’s just admit our shortcomings when it comes to taking money and stop acting like we special because ain’t nowhere near that level – well, some of us are, that’s why this article is being written.

This article will discuss how my operations take the money then we going to talk about how our people take money.

Let’s get started. I run a digital-first firm meaning we do not create physical products or maintain physical inventory. We create digital services which are mostly driven by our API platform that power other digital solutions. This is on purpose because of our payment model.

Our payment model is post-paid billing where our customers use our API platform and they receive an invoice with a payment amount and a due date, like your utility’s bills. This is the same model of Amazon AWS and Microsoft Azure cloud service, two of the richest corporations in the world. We send an invoice and the customer has to pay the bill using various payment methods such as pay by credit card, deduct from a prepaid account, transfer crypto, and more. Now let me explain the part that set this Chicago West Side Daniel Webster Elementary Black-owned business from the rest of the clowns trying to act like they special.

We set up a global payment gateway node that correlates with our global API gateways to offer both API hubs around the world and ways to collect payments around the world. Notice we just described to you a global payment model – something all these Black folks talking up their bullshit don’t have, cannot scale to, and never set up while trying to act special to me and you. I mean, I got one, where is theirs? Yeah, thought so.

Each payment gateway around the world, we have and are continuing to set up channels with local payment providers to facilitate collecting payments. So in Asia, we use Asian payment providers and we set up local banks in those regions to deposit revenue. The same with the UK and EU and we have a system in place and deals in place all over the world. We are already set up, all we have to do is when we are ready to expand globally, we simply switch on the API Gateway in that region and we simply switch on the Payment Gateway in that region – already set up.

Let’s explain the money game and we can separate the jokers from the smokers. See, we got money getting collected all over the world, and remember the platform – the API platform offers our customers the ability to run their business operations, any customer in the world with urban centers will be able to use our platform. But I want you to understand our business model on top of our payment model.

Notice when I previously talked about creating a new paid subscription model like SubStack and will transition Dream and Hustle as one of the feeds. That means we set up a revenue model not only for us but to allow other folks to use our global payment gateways setup. That means a brotha or sista can create a subscription feed that is not only distributed in America but we can offer their product in Asia, Latin America, the EU or anywhere in the world. See the difference between us and that cornball Blavity stuff where Blavity wants you to worship them and they toss out worthless metric numbers hoping you just admire them? See, they have no serious payment model, just slow ad revenue and slow sponsorship money that don’t scale up well.

You can tell in seconds when someone running their mouth about their business how hard they really are by looking at their payment model. Most of these businesses these folks be bragging about don’t have a real payment model and operating on low-scale, low-volume payment models. I be laughing and watch them having to swipe/tap their customer card and wait seconds to see an approval from the swipe/tap machine or they use the PayPal subscription billing model and watch their customers cut off the subscription at a flick of a switch.

The moral of the story here is you are only going to grow as fast as your payment model. If you do not properly plan your payment model first, you will be stagnant and stalling when the business opens up and have to perform extra work to implement new payment models later on. A lot of businesses fail to their competitor this way because the competitor can take money more ways than that business that did not plan properly.

Before you do a damn thing about your business, look at first how to program Stripe or PayPal API and it’s pretty easy – that is what you program and test first, not whatever business you trying to set up. You learn how to create subscriptions, checks, and clearance period, take crypto payments, take card information – you learn all of that, watch YouTube videos, download documentation, and repeat step by step. Use your own credit cards and prepaid debit cards as the cost to learn as well.

But you need to go well beyond just providers – learn to take QR payments, learn to have them enter their crypto address and the amount, and tell them they pay by entering a token you generated – this is in Toshikiso as a feature to facilitate. Learn to set up buy now pay later providers like Klarna or Affirm. Pay using Apple Pay by texting and the business text back they have a credit to spend by establishing tab accounts that funded in that matter. You learn how to take money first, don’t do a damn thing else first.

Then when you learn how to take money – you ain’t never going broke, homey. Because you know no matter what you do, you know how to get the money for that business model. You know how to set up membership and subscriptions models because you know the payment model to have customers set up their cards or checking account withdrawals on your websites. The folks that go broke are those that try to create a business model before establishing the payment model.

Creating digital assets, subscriptions with a card on file are your best two combinations. Memberships to access physical places work as well like a co-working space or yoga studio. Learn how to get customers to pay at your computer, at the coffee shop, off a QR poster, off your mobile phone, texting, chatbots, and more this is what you need to master.

See think about it – the payment model game is what you really need to brag about. I be reading these cornballs talking about they started this operation and I know their payment model is all generic and one-trick pony. Let me know when folks got global payment gateways and global operations and then we can have that conversation about who is special in the room.