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.

"Patricia is an innovative, forward thinking executive in the payments processing industry. While I was with Sony Music Entertainment, Patricia and I worked closely together while developing artist fan clubs for super star platinum selling artists such as Shakira and Lil' Bow Wow. Patricia was always available to lend an expert hand in helping to build and maintain those services. I highly recommend her work, but more importantly her personality, as Patricia is one of the friendliest, easy to work with people I have ever met."
Bill Campbell, Senior Vice President, Business Development, Global Digital Business at Universal Music Group

"Patricia helped our company establish stable US-based credit card processing. She will reduce your processing costs and increase your revenue by assigning the proper acquirer based on your location and business model. Patricia, is the best experienced professional in the online payments processing sphere."
Evgen Belousov, Cupid plc www.cupidplc.com

"Patricia is exceptionally knowledgeable about all matters relating to high risk payments. She has breadth as well as depth of experience gained from over 15 years in the sector. She is also exceptionally well connected with the leading payment industry CEO's/owners so if a problem needs fixing, she can help or knows who to call. If you are looking for expert, impartial advice and solid recommendations to enhance your payment efficiency delivered in a personable and approachable way, then look no further. "
Matthew Pitt, Operations Director at WhiteLabelDating.com

"Patricia is extremely knowledgeable about merchant processing and the payments industry, and she knows how to quickly address merchant challenges. She is high energy and tenacious, and works hard to get great results for her clients. She has helped a number of our clients and has been a great partner. "
Rick Lynch, Senior Vice President, Business Development at Verifi, Inc

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Since 1998

Patricia Carlin, the Founder of Patricia Carlin Consulting is a well-respected leading authority in card-not-present transaction processing and merchant services. Her clients have processed billions of dollars in  sales selling direct to consumers through online services such as dating, MMOGs, and digital goods and subscriptions to internet retail,  and direct response.  Merchants rely on her team of experts to provide secure, cost-efffective, and reliable merchant processing for businesses who operate in all markets.


Patricia Carlin Consulting Group
1001 Yamato Road, Suite 305
Boca Raton, Florida   33431

She helped to improve the efficiency of the payment process to some of the most well-known brands including:

Provided them with a front and backend payments platform that enabled their recording artists to accept payments for their individual fan clubs.
Worked with their team to provide a complete billing system for Starwars.com
Implemented a micropayments billing system for their archives.
Helped streamline their processing by migrating them from a legacy platform to a robust single-sourced payments solution
Global Expansion, rate reduction, risk management, domestic and offshore accounts.
Data review to increase conversions & reduce fraud, establish additional merchant relationships, decrease processing fees.