Services

Every payments problem, under one roof.

Payments is the one part of your business that touches everything and almost nobody truly understands. I have spent 25 years on every side of it, as a processor, a bank insider, in risk and compliance, and as an ISO founder. This is for anyone who needs payments expertise: a small business owner, a one-person operation, a retailer, or a $5M/month enterprise. Whether you need a head of payments, an honest audit of your customer journey, the right hire vetted, a merchant account that will not freeze, or a clear read on a business you are about to buy or sell, there is a service for it here.
The full stack

Five ways to fix your payments.

Service 01 · Consulting

Fractional Payments Leadership

From $2,500/mo

Your own VP of Payments for a fraction of the cost of a hire. Card-not-present strategy, subscriptions, risk, compliance, churn reduction, retention, and conversion, managed monthly as part of your team.

Explore Consulting →
Service 02 · Mystery Buyer

The Approved Mystery Buyer™

Introductory audit · $497

Mystery shopping for your entire online business. Trained professionals go through your real customer journey, checkout, support, fulfillment, refunds, and report the truth nobody inside your company will tell you.

Get Your Business Shopped →
Service 03 · Hiring

Payments Hiring & Candidate Vetting

$2,500–$25,000

Anyone can say they know payments. We find out who actually does. We interview your candidates for you and weed out the pretenders, saving 40+ interview hours and preventing the holds, fines, and terminated accounts a bad hire leaves behind.

Vet My Candidates →
Service 04 · Merchant Accounts

Stable Merchant Account Solutions

Free to apply · 99% approved

Stop building your business on rented processing. We place 99% of industries through real banking relationships, with dedicated MIDs, low freeze risk, and backup processing built in. Free to apply, same-day response.

Apply Now · Free →
Service 05 · Acquisition X-Ray
New

The Acquisition X-Ray

From $295 per deal

Buying an online business, or getting ready to sell one? The listing shows the numbers. We read the heartbeat underneath: merchant-account health, real chargeback and refund history, MATCH and monitoring-program exposure, reviews, and fulfillment risk. Do not wire the money until you have seen what the listing hides.

See the Acquisition X-Ray →
Knowledge is the cheapest payments insurance you'll ever buy.
25 Years in Payments · $50B+ Processed · 35,000+ Merchants
© 2026 Patricia Carlin · 25 Years in Payments · $50B+ Processed
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