Check out this article.

It's about the founder / CEO of Braintree payments. This guy went from working in retail, to selling processing door to door, to $1M in 2 years.

The secret to his success is that he just did things differently. He came into a crowded and fiercely competitive market and won - really fast.

He didn't "change" processing. There's no real innovation here... He just re-packaged it, and changed how it was marketed, and sometimes that's just enough to seal off a competitive edge... that coupled with unbridled, naked aggression.