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WHEN TECHNOLOGY IS NOT ENOUGH

OUR MISSION

Optimize the market success of your payment program, whether payment processing is your primary business, a new line of revenue for your SAAS/ISV company, or simply a vital function for your company. 

HOW WE CAN SERVE YOU

SAAS/SV COMPANIES

Imbedded payment processing functionality can be a source of significant revenue for your software business, let us show you how to make it work with your user base and market strategy. 

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MERCHANT PAYMENT ACCEPTANCE

If your business is growing, chances are it’s also outgrowing your payments infrastructure and/or provider relationship. We can help you ensure you have the right technology, data security, and fee structure.

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ACQUIRERS/ISO's

Technology is changing the payments industry faster than we have ever seen, and having the right products and market strategy are the keys to winning business from the competition.

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“It’s not enough to integrate payments into your technology, you must integrate payments into your business. Whether you are a software company that offers payments functionality, a B2C business looking to optimize your payments infrastructure, or independent sales organization looking for a better market strategy, put my years of experience of payments industry to work for you. Don’t spend time re-inventing the wheel, leverage my expertise to show you where you need to be and get you there quickly” 

 Don Apgar, Founder of Apgar Consulting

Knowledge Base

Credit/Debit Card Acceptance

This includes POS integration, customer experience, business process flow, data dependencies, cost minimization, risk management, and loss recovery.

Specialized Vertical Markets

Vertical market specifics, including e-commerce, retail, chain retail, lodging/hospitality, health care, B2G, franchise, QSR, fuel/fleet, c-store, unattended kiosk.

Mobile Commerce

Mobile commerce, payments, and omni-channel integration.

Data Security and PCI Compliance

Tokenization, encryption, data security, and PCI compliance.

Enterprise Payments Solution

Payment integration including corporate/government payment cards, recurring payments, ACH, remittance, lockbox, Check21, electronic invoice delivery.

Card Issuing and Portfolio Managament

Card issuing and portfolio management of co-branded credit/debit cards, retail (“store”) credit cards, including risk/underwriting, revenue optimization, and P&L management.

Value Added ISO Programs

Value-added programs including gift cards, loyalty/reward programs, mobile marketing.

Wholesale and Retail ATM Distribution

Wholesale and retail ATM distribution, sales, operations, and revenue management.

Processor Operations

Network/switch level technology, operations, revenue creation, and business environment.