Business Consulting Services

Payment acceptance should accelerate your business—not introduce friction or unnecessary expense.
We help large merchants navigate the complexity of payment processing, optimize cost structures, improve approval ratios, and develop scalable acceptance strategies aligned to your operational and customer experience goals.

Whether your challenges are around interchange, ACH, recurring billing, PINless debit, or enterprise-level integrations, we provide expert guidance grounded in decades of acquiring, risk, and card-network experience.

High-volume merchants face a different set of challenges than SMBs:

• Multiple channels and customer journeys
• Complex routing logic
• High authorization costs
• Chargeback exposure
• Network rule compliance
• Vendor redundancy & technology overlap
   

We build a holistic payment acceptance strategy that reduces friction, improves conversions, and ensures each payment method—ACH, cards, digital wallets, recurring billing, and more—is configured for performance, compliance, and cost-efficiency.

Not every large merchant needs a full RFP.
Often, the right approach is a streamlined assessment that:

1. Maps the ideal customer payment flow
2. Identifies gaps, redundancies, and inefficiencies
3. Aligns requirements with the right gateway or processor
4. Accelerates time-to-solution and reduces evaluation cost
    

We provide independent, unbiased vendor recommendations—no revenue sharing, no processor affiliations. Just expertise.

Visa, Mastercard, and acquirer programs vary dramatically depending on:

• Merchant Category Code (MCC)
• Business model
• Channel (retail, ecommerce, recurring, B2B)
• Risk profile

We ensure your card acceptance aligns with the correct network programs and help you avoid the pitfalls of:

• MATCH
• VAMP / Excessive Fraud Monitoring

Our goal: Reduce risk exposure while maintaining revenue flow.

Whether you're integrating a new payments provider or optimizing an existing one, we help ensure:

• Efficient API utilization
• Proper tokenization and vaulting
• Effective routing logic
• Correct Level II/III data passing
• Reduced downgrades and unnecessary interchange costs
   

Most large merchants are unintentionally overpaying due to incomplete data, improper configurations, or legacy integrations.  We fix that.

Large merchants generate significant payments data, yet most underutilize it.
We help unlock insights from:

• PAR tokens
• Repeat purchase patterns
• Decline reason codes
• Auth rate benchmarking
• MRR and behavior metrics
• Cohort spend analysis
   

With the right use of data, you can increase revenue, reduce churn, and enhance loyalty.