Meet Patricia

Patricia Carlin is a well-respected leading authority in high card-not-present credit card processing and merchant account placement. Since 1999, her clients have processed billions of dollars in e-commerce and call center transactions. Her expertise is working with online companies who have unique business models that are not well understood by traditional banks and are deemed higher risk. Her clients range from the most well known online classified website in the world to dating and risk free trial companies. Merchants rely on her team of experts to provide stable, secure, cost-efffective, and reliable merchant processing for card-not-present companies who have complicated business models.

Merchants considered higher risk by banks and processors have relied on Patricia’s extensive merchant processing expertise to establish and manage stable long-term merchant accounts relationships. If I a merchant finds themselves with excessive chargebacks or had their merchant account terminated, Patricia continues to be the most sought after payment processing consultant to help resolve current issues and find additional processing channels for them.

As Seen On

Featured on Forbes Finance Council

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Card-Not-Present Merchants
Billions of Dollars
Processed Online
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I Will Get You Approved

Get Live and STAY Live

Stable, Long-term Merchant Relationships

Our Services

High Risk Merchant Accounts

Business models such as subscription services, free trials, billing with future delivery and fulfillment, installment plans, high volume accounts, businesses that experience rapid growth,are considered high risk and require a strategic plan to establish stable merchant accounts and keep them in good standing long-term. I keep your merchant accounts live.

Merchant Termination Expert

Whether you had your merchant account terminated by your credit card processor and need to find new solutions or if your merchant account provider has given you a deadline to move your volume away from their bank, I will work with your banks to establish a MID migration plan to move your volume without causing spikes in chargebacks.

Merchant Management

High volume merchants, start-ups, and merchants with multiple merchant accounts quickly find that managing their merchant account relationship(s) can be a full-time job. I will manage your merchant account relationship, ensure you have enough volume, and work with your banks should chargeback or fraud issues arise. I am your merchant advocate.

Global Expansion

International merchant account expansion is a key component for many markets including dating, direct response, MLM companies, direct marketers, and internet retailers. For 15 years, I have established relationships with banking partners across the globe who have a strong understanding of country compliance and alternative payments.

How can we help you?

Patricia is a leading Card-Not-Present payments expert with a specialized focus in unique business models that are not well understood by traditional banks. Her clients which range from risk free trial merchants, dating websites to fast growth Direct Selling companies who have processed billions of dollars in in online and call center transactions. Merchants considered higher risk by banks and processors have relied on Patricia’s extensive merchant processing expertise to establish and manage stable long-term merchant accounts relationships. If a merchant finds themselves with excessive chargebacks or had their merchant account terminated, Patricia continues to be the most sought after payment processing consultant to help resolve current issues and find additional processing channels for them.

What our clients say?

  • 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 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, cupidplc.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)

FAQ & Blog

  • My Merchant Bank is Terminating Me?

    Merchants who operate a higher risk business model that including Direct Selling, MLM, Dating, Adult, Free Trial, High Volume and others are blindsided when their merchant provider tells them that they have 30 days to move their business without cause. Rather than scramble to find a new bank to take your volume, I am a merchant account migration specialist and will carefully select new banks for your business, work with your provider to implement a strategy that will allow you to transition to a new bank without causing a spike in chargebacks or a disruption in your services. Don’t panic and shop your account to agents. Let me migrate you properly..

  • My Merchant Account is Capped and I Need More Volume?

    Merchants are faced with this issue more often that not. A merchant bank will typically cap a client to reduce their portfolio exposure. Depending on the business model, a capped merchant account does not permit a company to purchase traffic, leads, etc in an effective manner. Also, certain business types have very rapid growth such as MLM companies. They need additional volume very fast. We will outline your expected growth plan and establish additional merchant accounts to support expected growth. It is a balancing act. You do not want to open several merchant accounts and be forced to pull volume away from one bank to give to another. This will cause an influx in chargebacks and create issues with your current relationships. I will put together a plan that enables you to safely grow without any issues..

  • I’m a High Risk Merchant And No One Wants Me?

    It’s not that one merchant bank wants you. Your file is being presented A. to the wrong processors and banks. B. The agent is not putting together a business case that allows the underwriter to be comfortable enough to issue an approval. After more than 15 years working with with US and International Banks and Processors, I know which banks will approve you and keep your account live long-term. I do not work with banks that have knee jerk reactions when issues arise. I also know how to present your file to an underwriter in a manner that helps them understand why the risk exposure they are concerned with is not going to be an issue. If I cannot get you live and keep your accounts live, I am confident to say that no one else can…

  • I’m a Start-Up But Have Big Plans?

    Avon, Amway, Facebook,Match.com and every other major company were start-ups at one point. With so many different payment systems in the marketplace, most start-ups spend so much time and money trying to select a bank and platform. They also hire a payments employee who may not understand what you need. I can work with you on a contractual or ongoing basis to select and launch your start-up with the proper banks, platform, fraud tools and more. Leverage as much or as little of my payments expertise as you need. I also can assist with the vetting of a full time payments employee when the time comes..

© 2016 Patricia Carlin Consulting. All Rights Reserved.