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Payments Consulting Services

Strategy  |  Market Sizing  |  Financial Modeling  |  Tech  |  Vendor Sourcing

We bring expert payment analysis and solutions, whether you want to grow payment expertise in your company, implement new programs, or simply explore market options in credit card processing, digital currency, ACH/EFT, and more.

We provide the tools to thrive in today's dynamic payment landscape with a proven track record of working with financial institutions, software organizations, fintechs, and traditional businesses.​

The Opportunity In Payments

The payments landscape is filled with opportunities to drive new revenue, enhance product stickiness, and innovate in a competitive market. Critical trends like open banking, finance-as-a-service, eCommerce, digital currency, PayFacs, AI, and international payments are all reshaping the industry as we speak. Don’t lose out on the opportunity to grow.

Payment Consulting Services We Offer

Research, Strategy, and Business Planning

We build or validate your payments strategy and industry analysis, and facilitate the transformation into a business plan that will create new levels of value.

Financial Planning & Modeling

A great strategy is build on a robust financial model. We help facilitate national or international expansion by turning ideas into a financial plan.

Risk, Security, Privacy, and Regulation

We help ensure that your business follows the optimal protocols, security standards (i.e. PCI DSS), and regulations so you are set up for the future.

Development and R&D Services

Design, build, integrate, and deploy payment solutions spanning all omnichannel payment paradigms.

Vendor Procurement, Selection & Negotiation

The payments ecosystem is built on layers of tools and tech stack components. We audit vendors, help select new ones, and mange the negotiation and deployment.

Fintech M&A and Partnerships

Let us help your growth strategy or optimize your investment portfolio with sourcing, due diligence, and merger integration.

Getting Expert Payment Advice is a Game Changer

Navigating the evolving ecosystem requires expert guidance. Payments serve as the lifeblood of every sector, from eCommerce to retail to fintech. A robust, seamless, and secure payments infrastructure not only fuels economic expansion but also fosters innovation, benefiting both consumers and businesses. To fully capitalize on these opportunities, you need the right internal resources and organizational framework.

That’s where we come in. We serve as your trusted compass in payments to help build and scale your business, innovate, optimize your technology, mitigate risks, cultivate partnerships, and drive exponential growth.  

Payments ecosystem

Areas of Expertise in Payments

Deep strategic and execution expertise in payments leadership, technology, and operations across North America. Our network of dozens of partners serve banks, credit card companies, transaction processors, payments cooperatives, technology firms, and non-banks on issues ranging from overall payments strategy and implications to retail payments services, cash management, and payments technology.

Payment Hardware & Software

We help deploy the right tech stack for payments: online, mobile, and terminals along with payment gateways, recurring billing, virtual terminals and more. We are experts in credit cards, debit cards, cryptocurrency, EFT/ACH, and P2P.

Payments Data & Analytics

Payment data gives the smartest companies a competitive advantage. We help you maximize. Data will guide your company to making the optimal decisions for growth.

Operations: SEO, Lead Gen, Funnel Management, & Support

Payments is an opportunity to generate a significant revenue stream with the right inbound and outbound opportunity flow and management. We help design, deploy, and maintain an optimal data-driven funnel.

Payment Management Consulting

We help bring the right playbook for your teams and assist with change management and HR and organizational structure optimized for payments for executive teams, marketing, sales, customer success, finance, and R&D.

Payment Ecosystem Alignment

We know the components that make up the global payment industry. We work with you to ensure your people and technology are part of a future-proof ecosystem for growth.

Fees, Margins, & Negotiations

Payments has many players with multiple layers of management. It is critical to negotiate the optimal deal structure with each vendor giving you the best margin.

Clearly Payments gave us the structure to clarify our payments strategy and was instrumental in getting our payment operations optimized.

Kurtis B, CEO, Red Ram

The smartest companies use Clearly Payments

Our vision is a world where payments are immediate, global, and frictionless. Contact us today to learn more about how we can help.

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Recent Research and Articles

What PCI Compliance Means for Your Business (In Plain English)

What PCI Compliance Means for Your Business (In Plain English)

Running a business today means dealing with payments. If you accept credit or debit cards, you’re part of a global system that depends on trust and security. That’s where PCI compliance comes in. While it might sound technical or complicated, PCI compliance is simply about protecting your customers’ payment information and protecting your business from unnecessary risk. This article explains what PCI compliance is, why it matters for merchants, and how simple steps can help

How to Handle Seasonal Spikes in Transaction Volume: A Merchant’s Guide

How to Handle Seasonal Spikes in Transaction Volume: A Merchant’s Guide

For many merchants, sales don’t flow at a steady pace year-round. Instead, they surge during certain months, holidays, or promotional periods, whether it’s Black Friday, back-to-school season, or summer travel spikes. While these spikes can significantly boost revenue, they also bring operational and financial pressures: increased processing volumes, higher customer support demand, and potential strain on payment systems. This guide will walk you through practical steps to prepare your payment infrastructure, protect your business, and

The Future of Interchange Fees: 2026 and Beyond

The Future of Interchange Fees: 2026 and Beyond

Interchange fees make up a large share of the cost merchants pay to accept credit and debit cards. These fees are set by card networks and are influenced by regulation, competition, and market structure. Over time, governments and regulators have stepped in to lower or cap interchange fees, while networks have introduced new categories and pricing structures. This article explains where interchange fees have come from, where they are today, and how upcoming regulatory and