With more than 30 years of experience reducing the cost of card acceptance for businesses around the world, Payments Advisory Services is a trusted partner for both lenders and retailers.
Contact us today for a no-cost savings analysis!
ABOUT US
Payments Advisory Services is a payments consultancy based in the United States, specializing in reducing the cost of debit and prepaid card acceptance for lenders and retailers.
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Our independence from banks and processors allows us to focus exclusively on cost-reduction results for our clients. We don’t sell hardware, software, technology, PCI compliance or infrastructure.
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Our product is experience, payment industry intelligence and cost reduction.
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Our fee is based on a percentage of your savings, once savings are realized.
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Our guarantee: if we don’t reduce your costs, you owe us nothing.
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Our offer: Contact us for a no-cost savings analysis.
LEADERSHIP TEAM
John A. Jones, Co-Founder & CEO
In his role as Chief Executive Officer, John is responsible for all operations, growth and client quality assurance.
John has been an advisor and consultant in the payments industry for more than 30 years. He spent a combined total of 15 years at VeriFone and Ingenico, providing consulting and solutions for payments cost reduction to large retailers.
John’s client list is extensive and includes Home Depot, WalMart, Kroger, Toys R Us, NAPA Auto Parts and Starbucks. He served as Director of Electronic Payments for Genuine Parts Company, for eight years where he oversaw all incoming and outgoing electronic payment programs for a $15 billion revenue publicly traded company. At GPC, John managed all card programs and relationships, including credit, debit, prepaid, payroll, gift cards as well as the company’s $1 billion purchasing and T&E card programs.
Since founding Payments Advisory Services & Consulting in 2015, John has designed and implemented countless card acceptance cost reduction programs for clients. He has a deep working knowledge of the card industry, interchange qualification and costs, and he has successfully negotiated contracts for card acceptance and issuance. He’s also created and managed RFP projects for merchant processing services.
Contact John by phone or email: (678) 576-7263 or John@PaymentsAdvisoryServices.com
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Michael A. Caruana, Co-Founder & President
As Co-Founder and President, Mike is principally responsible for business development and implementing the Company's growth strategies.
Mike has held senior level positions in the payments industry for over 30 years, including Fortune 500 companies like M&T Bank, NYCE Payments Network, MasterCard International and, most recently, Chargebacks911. Mike was the principal architect and became the driving force in the development and acceptance of PIN debit cards by retailers and financial institutions across the United States.
Mike’s client list includes Microsoft, SONY, Apple, WalMart, Target, TJ Maxx, Lowes, Home Depot, USPS, Exxon/Mobil, Texaco, The Gap, CitiBank, eTrade, M&T Bank, JPMorgan Chase and Bank of NY. His financial modeling tools have saved his customers billions in net bottom line expense reduction through his expertise and understanding of the markets that he served.
His understanding of the payments industry and its players is unparalleled. His financial modeling skills have helped executives understand the risks and rewards of various card acceptance initiatives.
Contact Mike by phone or email: (716) 741-2463 or Mike@PaymentsAdvisoryServices.com