
#181 It Costs Money to Make Money. The Hidden Cost of How Money Moves in Your Business with Nikki Piedra
You watch your revenue like a hawk. The sales, the percentage bump, the next launch. And the whole time, money you already earned is leaking out the back of your business through fees you stopped noticing years ago. In this episode, GiGi sits down with Nicole "Nikki" Piedra, a serial entrepreneur who built and sold a multimillion-dollar handmade wedding business before moving into payment processing. Nikki pulls back the curtain on the part of business almost no one audits: junk fees, statement fees, PCI fees, and the slow bleed of transaction costs that chips away at everything you work to bring in. One small switch made a single school an extra $8,000 a month they already had. We get into how that happens, why running your business on Zelle is keeping you small, and why it is never your job to decide how a client chooses to pay you. In this episode: The real cost of doing business, and the fees you've been trained to accept as "just how it is" The difference between a cash discount and passing the fee to the client, and how to do either without losing the sale Why your payment setup is a trust signal, and how Zelle, missing invoices, and a tangled software stack make you look smaller than you are About Nicole Piedra Nikki is a serial entrepreneur who spent eight years building a handmade, personalized wedding-gift business from an Etsy shop into a multimillion-dollar operation with a full team and warehouse. After selling it, she stepped into the payments world alongside her husband, bringing the relationship-first, nurture-first approach the industry was missing. She works with business owners across many industries to plug the leaks in how they get paid, and treats every client like a partner, because when you win, she wins. A few moments worth the listen: Nikki on merchant fees: if someone handed you back $100 today, and again tomorrow, and again the next second, you'd take it every time. That is what cleaning up your fees actually is. GiGi on getting out of your client's wallet: people pay with an Amex for the points, with cash because of old money trauma, with a card because they want to spread it out. Their financial life is theirs. It is not yours to manage. Nikki on Zelle: it was built for splitting a pizza or paying back a friend for concert tickets, not for running a business. No buyer protection, no seller protection, no paper trail. Come meet Nikki in person This conversation is a preview. The full, interactive experience happens live at Move, Breathe, Grow™ 2026 on September 19th in Miami at the Rusty Pelican. You'll leave the same day with things you can put into your business and your life right away. Grab your ticket before they're gone (they sell out every year): www.seizinghappy.com/mbg




