Payment Consulting

Umbian’s consulting team has diverse and comprehensive payment services experience. We have designed, built, managed, and evolved payment services from the ground up, certified to Payment Card Industry (PCI) standards and established secure transaction processing for thousands of organizations from small business to Fortune 100 companies. We apply our comprehensive experience and our wealth of partnership resources to help companies navigate through any payment related activities. Specifically, our payment consulting services target Payment Service Providers or Merchants looking to deploy payment services.

For Payment Service Providers, we recognize that it is increasingly difficult to differentiate services. In fact, payment solutions are now viewed as a commodity. In many cases, the issue of differentiation lies with either service offerings that need a refresh, or the lack of an effective marketing and distribution strategy. An innovative product can go unrecognized if not joined with an effective delivery approach. Umbian can help.

We also recognize that Merchants need assistance sorting through payment related terminology, service requirements, PCI standards and provider options when searching for a payment solution or planning a payment services deployment. Here too, Umbian can help.

To learn more, please review our Service Offerings below or Contact Us today.

Services Offered

Payment Service Provider

Merchant

Request For Proposal (RFP) Definition and/or Response Evaluation

Umbian helps Providers create RFPs to solicit other third-parties, assist in replying to RFPs received, evaluate responses and aid in the vendor selection process.

Umbian helps Merchants define technology and payment requirements to create and distribute RFPs effectively. We also help interpret applicant responses in relation to merchant requirements and aid in the vendor selection process.

Payment Solution Assessment

Umbian offers assistance with evaluating and recognizing the most appropriate services and vendor solutions for the Merchant.

Distribution Strategy

Umbian assists Providers in effectively distributing the Providers' services. Third Party Vendor Integration, Market Vertical Product Strategy, and Reseller and Agent Channels are examples of the types of programs Umbian has experience creating and successfully executing.

Support Model and Tools

Umbian can help companies improve their support structure, by differentiating levels of support, defining escalation procedures, and implementing efficient customer communication tools. These tools include such things as support queues, ticketing systems, and service alert notifications.

Certification Planning and Troubleshooting

Umbian has experience certifying to most major payment processing platforms. We can help with support at any stage from design to execution.

Umbian understands how subtle differences in the various payment processing providers can make a big impact on Merchant processing and interchange qualifications. We help companies understand the differences between payment processors, plan the transaction data set based on the source data available and qualification goals, and measure the end result to ensure the expected outcomes are achieved.

Qualification Optimization

Umbian can help troubleshoot downgrading by reviewing all of the various payment pieces; merchant transaction integration and data set transmission, core payment service data conversion and interface to the payment processor.

Umbian’s comprehensive payment experience allows us to understand all parties involved in the payment process and how to troubleshoot within the payment chain to fix qualification issues.

Product or Payment Solution Design

Through assessment and design, Umbian helps Providers add products to existing platforms and to new market verticals.

Umbian will help Merchants define their end goals and how they want the payment solution to function. Internal systems integration, third party service provider roles and requirements, and PCI considerations are all part of the design process.

Security Planning and Awareness

Umbian has comprehensive PCI and security planning experience. We are skilled with evaluating and planning against items such as, intrusion detection, external attacks, denial of service, application attacks, software and code scrubbing prior to deployment, user access design, social engineering technology and generating awareness of other types of security risks.

Umbian will assist Merchants by identifying security gaps that may exist in their payment service deployments. Once the risks are identified, Umbian prepares a remediation plan for to mitigate and eliminate the risk. We also help evaluate a selection of providers to ensure that they have the ability to service the Merchant’s needs securely.

Integration Support

Umbian offers complete integration support by defining skills and integration tools, ensuring integrate documents are clear, comprehensive and correct and by working with third-parties to test integration efforts.

Umbian helps Merchants sift through the integration documentation provided by Payment Service Providers and translate relevant transaction types into the design and execution plan.

PCI Audit and Remediation Support

Umbian has 7 years of experience satisfying PCI requirements and successfully completing PCI audits. We can provide guidance on standards for newly planned or existing services. Umbian will also help Providers through remediation exercises by offering support through the process, including how best to remedy the identified risk areas.

Umbian will help Merchants determine their PCI requirements. If an audit is required, we can assist in the selection of a qualified PCI auditor and review against security issues prior to the examination.

Marketing and Sales Strategy

Umbian assists Providers in crafting clear marketing around payment services as it applies to target markets and in tying it to sales and distribution strategy. Umbian has contacts within most major processors, payment providers, payment technology companies and acquiring banks that can be leveraged where appropriate.