INTRODUCING JOHN ALLEN

In this episode of the Chiro Hustle Podcast, James Chester sits down with John Allen to unpack a topic every chiropractor deals with, but almost no one enjoys talking about, payment processing. This conversation is not about gimmicks or quick fixes. It is about stability, freedom, and protecting your ability to run your practice without unnecessary interference.

John shares why most small businesses unknowingly give up control of their cash flow, how certain payment platforms quietly create risk, and what chiropractors can do to keep more of their money without adding more stress to their plate. If you value autonomy in your business the same way you value autonomy in healthcare, this episode matters.

HIGHLIGHTS

• Why most popular payment platforms are not merchant accounts and what that really means for your money.
• How underwriting done the right way can protect your practice from frozen funds and surprise shutdowns.
• The real cost of convenience when it comes to Stripe, Square, and other “easy button” processors.
• How passing along card fees compliantly can shift thousands of dollars back into your bottom line each year.
• Why payment processing should be the last thing you think about during your workday, not a constant stressor.
• A real-world example of a healthcare practice reclaiming hundreds of dollars every month without seeing fewer patients.

ABOUT JOHN ALLEN

John Allen is an entrepreneur and healthcare professional with a background in medicine, public service, and business operations. He founded Peach State Payments after seeing firsthand how small businesses were being hurt by unstable and impersonal payment processing systems.

From Our Sponsors and Partners

JAMES CHESTER (HOST):  You made it to Chiro Hustle! Sit back and learn from the greatest influencers in the profession on the world’s number-one chiropractic podcast. Before we dive into this powerful episode, please remember to subscribe to our channels and give us a 5-star rating on iTunes to continue hustling.

This episode is brought to you by…

Peach State Payments – Ethical Processing. More Profit, Less Stress
ChiroHD – More than an EHR; Practice Management, Simplified
The Chiro Speaking Company – Attract, Educate & Convert
ChiroSpring – cloud-based, user-friendly software with all the essential features chiropractors need
OmniWave – Redefining Comfort in Acoustic Wave Technology

The Chiro Hustle Podcast is sponsored by DRX9000, Peach State Payments, Chiro Health USA, ChiroScript AI, Chiro Moguls, Pure Chiro Notes, Five Star Forge, Titronics, Sherman College of Chiropractic, Life Chiropractic College West, and the IFCO.

Do you want to support The Sacred Trust and uphold a Subluxation model without the grind of launching a new project? Visit our Patreon, choose the tier best suited for you. That way we can continue keeping “The Big Idea” strong, supporting speech, medical, and family health freedoms.

Now let’s hustle!

DIVING INTO STABILITY OVER CONVENIENCE

Many chiropractors choose payment platforms because they are fast to set up. What rarely gets discussed is what happens after that first five-minute signup. John explains the difference between true merchant accounts and payment facilitators, and why pooled funds create unnecessary risk for small practices. This is not about fear, it is about understanding the system you are plugged into.

PROTECTING CASH FLOW AND BUSINESS AUTONOMY

When funds are held, delayed, or questioned, it is not just an inconvenience. It is a disruption to your ability to serve patients and run your office. John walks through how proper onboarding and underwriting upfront protects your access to your own money. The theme echoes something chiropractors understand deeply, control and clarity matter.

REDUCING FEES WITHOUT CUTTING CORNERS

Most practices quietly accept three to three-and-a-half percent loss on every transaction as the cost of doing business. John explains compliant ways to reduce or eliminate those fees without risking card brand violations. The goal is not to squeeze patients, it is to stop subsidizing rewards programs you never agreed to pay for.

SUPPORT WHEN IT ACTUALLY MATTERS

When systems go down, stress goes up. John shares why having real human support, not endless ticket systems or overseas call centers, changes everything. Whether it is an office outage, a remote event, or a high-dollar transaction, knowing who to call makes payment processing invisible again, the way it should be.

FINAL THOUGHT

Freedom in practice is not just philosophical. It shows up in your systems, your cash flow, and your ability to operate without friction. This conversation is a reminder that small changes behind the scenes can create massive relief on the front end.

HASHTAGS

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