Our Strategy

Patricia Carlin Consulting Group is a full service payments consulting company exclusive to card-not-present merchants. Whether you are a start-up business or are already accepting credit cards online, our team of payments experts will review and tailor a merchant solution that is guaranteed to increase profits, streamline your payment system, and implement tier 1 fraud tools and financial reporting.

We assist with all aspects of merchant account aquiring including contract negotiations and product selection based on your specific requirements.

By leveraging our industry expertise, merchants will avoid high processing fees, a bulky payment processing platform, limited merchant account transparency, fraud and chargeback issues, and possible merchant account termination. 

If you are new to e-commerce, trying to understand all the pieces involved in processing credit cards online can be very confusing. My goal is to make sure you are getting the best merchant account terms, service, and payment platform for your business model. Let me analysis your current payments platform. By implementing some or all of my recommendations, you should see a savings of approximately 15-50% in both soft and hard costs. For mid to larger merchants, this can represent tens of thousands of dollars in annual savings. I will manage your merchant bank relationships to ensure your chargebacks ratios are being managed properly, educate you on new developments and conditions at the card association level, and make sure you are getting the best rates possible for merchant profile. Since 1998, I have been helping high risk merchants establish long-term banking relationships. My expertise and reputation with the card associations allow me to solve any problem you might be having. All I ask you for is full transparency. I am confident to say that if I can’t get/keep you live, no one can. There are more than a thousand payment platforms on the market today each offering something that appears different from the competition. Based on your requirements, I will help select the vendors that are best suited to respond to your proposal. Are you looking for ways to expand your global reach? After years of reviewing the global marketplace, I will help you properly implement alternative payment methods including multi-currency, mobile billing, and global local debit. By having direct communication with your processors, I ensure that you have access to the latest risk management methods and technologies. At the same time, I evaluate your current business procedures and website with a goal of maintaining card association compliance.