A head of payments. Without the headcount.
The cycle every online business knows too well.
Reactive firefighting, or an owner on payments.
Reactive firefighting
Holds, reserves, terminations, and fee creep handled in panic mode, by whoever happens to be free that day.
Things get dropped
Nobody owns approval rates, dispute ratios, or processor relationships. Issues compound silently until they're account-terminating events.
An owner on payments
A dedicated payments leader embedded at a fraction of the cost. I plug into your team, GTM, payments, risk, retention, and I see the trouble before it happens, while it's happening, and how to fix it when you're already in it.
Monthly management. Real ownership.
Processing Relationship Architecture
We manage communications with your processors, the measured voice of reason when issues arise, keeping minor concerns from cascading into account-terminating events.
Performance Intelligence
We track approval patterns, decline cascades, and dispute trajectories, identifying concerning trends before they trigger algorithmic responses.
Fee Structure Optimization
Systematic reviews of your processing economics. We negotiate improved terms based on your actual processing realities, not rate-sheet fiction.
Risk Profile Calibration
Strategies that maintain acceptable risk parameters while maximizing revenue capture, including correct merchant categorization and intelligent transaction routing.
Dispute Intervention & Chargeback Reduction
We analyze chargeback patterns to find systemic vulnerabilities, then deploy reduction templates and preventative measures that attack root causes, not symptoms.
Compliance Navigation
We stay ahead of the regulatory currents that affect your model, trials, subscriptions, negative-option rules, network programs, so your practices align before they become problems.
Churn, Retention & Reputation
We review your offer, billing descriptors, cancellation flow, and communication patterns, reducing churn, improving retention, and stopping bad reviews before they're written.
Expansion Framework
Structured approaches to growth, new markets, products, and geographies, without destabilizing the processing infrastructure you already have.
We don't just read your numbers. We live your customer journey.
Where most consultants examine reports, our proprietary Approved Mystery Buyer™ program infiltrates your customer journey. We shop your packages and your team, top to bottom, before, during, and after launch, exposing the support breakdowns, checkout friction, communication gaps, and fulfillment hiccups that trigger refunds and chargebacks. It routinely surfaces thousands in recoverable revenue.
How the Mystery Buyer Works →Built for anyone who needs payments expertise.
Three ways in. Choose your level of embedded.
Managed Oversight
Part of Your Team
Multi-Entity Command
The Launch Protocol™
Launch right the first time. A full review of your offer & GTM plan, launch-risk flags, structured underwriter responses at each bank, MID setup, and gateway correspondence until you're live, with first-rights submission as new banks open. No sub-agents; your model stays private.
Start Your AssessmentThe AI Blindspot Audit™
Your AI agents, stress-tested. AI doesn't need to be wrong all the time. It needs to be wrong at scale, on money or compliance, once. We blind-test your AI agents like real customers and deliver a full report plus training recommendations.
Start Your AssessmentStart your assessment.
Questions, answered.
How much does fractional payments leadership cost?
From $2,500/mo (Essentials, one banking relationship managed end to end), to $5,000/mo (Embedded, part of your team), to $10,000+/mo (Enterprise, multiple entities and banking relationships). Mystery Buyer is included on every tier. A full-time payments executive costs $180K–$300K+, so fractional gives you that expertise pointed only at your problems.
Is the Mystery Buyer really included?
Yes, with every package. We shop your packages and your team, top to bottom, before, during, and after launch. It's not an add-on or an upsell. It's how we find leaking revenue and the friction that triggers chargebacks before it costs you.
Why does a call cost $129?
Because my time on the phone is the most valuable thing I sell, and a paid assessment keeps every call serious and worth your time. The $129 is applied as credit if we go on to work together. If you already know what you need, you can start the right package straight from the assessment without a call at all.
What's the difference between a fractional leader and a consultant?
A consultant hands you a report and leaves. A fractional payments leader is embedded in your operation, managing processor relationships, tracking approval and dispute trends, negotiating fees, calibrating risk, and intervening on chargebacks every month. We don't do just enough to do the job. We become part of your business.
What is the Launch Protocol?
A $10,000 one-time engagement to launch a new offer or company correctly the first time: a top-to-bottom review of your offer and GTM plan, launch-risk flags, structured underwriter responses at each bank, MID setup, and gateway correspondence until you're live, with no sub-agents, so your model stays private.