Payments Consulting Services

Strategy | Market Sizing | Financial Modeling | Technology | Operations

We bring expert payment analysis and solutions, whether you want to grow payment expertise in your company, implement new programs, or simply explore market options in credit card processing, digital currency, ACH/EFT, and more.

We provide the tools to thrive in today's dynamic payment landscape with a proven track record of working with financial institutions, software organizations, fintechs, and traditional businesses.

The Opportunity In Payments

The payments landscape is filled with opportunities to drive new revenue, enhance product stickiness, and innovate in a competitive market. Critical trends like open banking, finance-as-a-service, eCommerce, digital currency, PayFacs, AI, and international payments are all reshaping the industry as we speak. Don’t lose out on the opportunity to grow.

Payment Consulting Services We Offer

Research, Strategy, and Business Planning

We build or validate your payments strategy and industry analysis, and facilitate the transformation into a business plan that will create new levels of value.

Financial Planning & Modeling

A great strategy is build on a robust financial model. We help facilitate national or international expansion by turning ideas into a financial plan.

Risk, Security, and Regulation

We help ensure that your business follows the optimal protocols, security standards (i.e. PCI DSS), and regulations so you are set up for the future.

Development and R&D Services

Design, build, integrate, and deploy payment solutions spanning all omnichannel payment paradigms.

Vendor Selection & Negotiation

The payments ecosystem is built on layers of tools and tech stack components. We audit vendors, help select new ones, and mange the negotiation and deployment.

Fintech M&A and Post Merger Integration

Let us help you find the means to finance your growth strategy or optimize your investment portfolio with sourcing, due diligence, and merger integration.

Getting Expert Payment Advice is a Game Changer

Navigating the evolving ecosystem requires expert guidance. Payments serve as the lifeblood of every sector, from eCommerce to retail to fintech. A robust, seamless, and secure payments infrastructure not only fuels economic expansion but also fosters innovation, benefiting both consumers and businesses. To fully capitalize on these opportunities, you need the right internal resources and organizational framework.

That’s where we come in. We serve as your trusted compass in payments to help build and scale your business, innovate, optimize your technology, mitigate risks, cultivate partnerships, and drive exponential growth.

Areas of Expertise in Payments

Deep strategic and execution expertise in payments leadership, technology, and operations across North America. Our network of dozens of partners serve banks, credit card companies, transaction processors, payments cooperatives, technology firms, and non-banks on issues ranging from overall payments strategy and implications to retail payments services, cash management, and payments technology.

Payment Hardware & Software

We help deploy the right tech stack for payments: online, mobile, and terminals along with payment gateways, recurring billing, virtual terminals and more. We are experts in credit cards, debit cards, cryptocurrency, EFT/ACH, and P2P.

Payments Data & Analytics

Payment data gives the smartest companies a competitive advantage. We help you maximize. Data will guide your company to making the optimal decisions for growth.

Operations: SEO, Lead Gen, Funnel Management, & Support

Payments is an opportunity to generate a significant revenue stream with the right inbound and outbound opportunity flow and management. We help design, deploy, and maintain an optimal data-driven funnel.

Payment Management Consulting

We help bring the right playbook for your teams and assist with change management and HR and organizational structure optimized for payments for executive teams, marketing, sales, customer success, finance, and R&D.

Payment Ecosystem Alignment

We know the components that make up the global payment industry. We work with you to ensure your people and technology are part of a future-proof ecosystem for growth.

Fees, Margins, & Negotiations

Payments has many players with multiple layers of management. It is critical to negotiate the optimal deal structure with each vendor giving you the best margin.

TCM gave us the structure to clarify our payments strategy and was instrumental in getting our operations off the ground.

Kurtis B, CEO, Red Ram

The smartest companies use TCM

Our vision is a world where payments are immediate, global, and frictionless. Contact us today to learn more about how we can help.

Contact Us Now

Recent Research and Articles

An Overview of the Payments Code of Conduct in Canada

The Payments Code of Conduct in Canada was created to bring fairness and transparency in the payment industry. It is structured into multiple sections targeting specific aspects of payment processing and merchant services for debit cards and credit cards. This article covers the sections of the Canadian Code of Conduct, Interchange Plus Pricing, problems, controversies, and benefits of the conduct, and a list of important resources. What is the Canada Payments Code of Conduct? In

TCM Helps Merchants of All Sizes Thrive Through Lower Fees and Attentive Service

A Review of TCM by CardRates.com

We are thrilled to be featured on CardRates.com! A big thank you to the CardRates team for their thoughtful review of our services and commitment to providing transparent and low-cost payment processing solutions. This recognition motivates us to continue helping small and medium-sized businesses thrive. Check out the full article to see how we’re making a difference for merchants across North America: Read more at CardRates.com. #Gratitude #PaymentProcessing #SmallBusinessSupport

USA vs Canada Interchange Rate Comparison for Payments

Interchange rates are a cost for credit card transactions for merchants. Interchange is the revenue for credit card companies and issuing banks. Canada and the USA have a big overlap in purchasing habits and trends in payments. The two countries also have some big differences on how payment processing fees work across debit cards and credit cards. This article aims to provide an overview and comparison of the interchange rates in the United States and