G R O U P

®

RICHCONSULTI NG

Finding it difficult to compete with new companies that are offering fast, simple boarding of small merchants?

Do the economics of small and micro-merchant processing seem unsustainable, yet other payments providers seem to be making it work and are prospering?

Are merchants and service providers asking you how they can offer card processing as a value added service to their customers, but you don’t have the procedures in place to set them up?

Are concerns about risk and compliance keeping you from implementing a payments aggregator model to serve your merchants?

Could your business be at risk because you have merchants in your portfolio who are aggregating, and either you don’t know about them, or you don’t know what to do with them?

Today’s changing payments landscape demands

new approaches to maintaining a market advan-

tage. Payments aggregation is an alternative

payments model that can help you:

The team of Rich Consulting and Double

Diamond Group can help you evaluate whether

the payments aggregator model is the right fit

for your business and merchant portfolio.

We have the payments business strategy, merchant acquiring,

compliance and risk management experience and know-how to

thoroughly support your organization through the entire process

of setting up this payments channel.

Do So with Confidence

At a Glance

About Us

For more information, contact:

It is possible to operate under a payments aggregator model,

or set up your merchants as aggregators, without taking on

inordinate risk. In fact, it’s the best way to solve many

common problems for the merchant business. Risk can be

mitigated if the right policies and procedures for underwriting,

fraud and compliance are put in place. Our team is commit-

ted to providing the resources you need.

Payments Aggregator Consulting Services

from Double Diamond Group and Rich Consulting

Business, competitive, price and opportunity analysis

Payments aggregator business case development

and gap analysis

Evaluation and selection of bank and processing partners

Risk management and compliance support, including writing

policies for underwriting, risk, fraud, sub-merchant to merchant

transition, and other compliance-related matters

Policy education and training of key staff

Program implementation oversight

When you choose the team of Rich Consulting and Double Diamond

Group, you can count on senior level counsel and support from highly

respected and knowledgeable payments industry experts.

Led by Todd Ablowitz, president of Double Diamond Group, LLC

and Deana Rich, president of Deana Rich Consulting, Inc.,the team is well versed in business development and innovation

strategies; identifying emerging payments trends; market and opportu-

nity analysis; and risk, operations and compliance management.

Ablowitz is on the Board of Directors for the Electronic Transactions

Association. Rich is president of the Merchant Acquirers Committee

and an approved auditor for Visa Acquirer Review and MasterCard

Fraud Management Programs.

Double Diamond Group

Todd Ablowitz

President

todd@doublediamondgroup.com

+1 303-916-9997

Today’s competitive payments environment

requires new strategies

Staying in the Game with Payments Aggregation

Q

A

Capture small merchants

Activate larger merchants quickly and easily as an

interim step to establishing a merchant account

Target new markets, including mobile commerce

and software as a service providers, who want to

include card acceptance as a complement to

their other services

Boost your bottom line

$

A g g r e g a t o r M o d e l

Acquiring Bank

Tr a d i t i o n a l M o d e l

Funding

Payment Service Provider

( PSP )

Payment Facilitator

(PF)

ISO/MSP

$Funding

PSP/PFContract

SubmerchantContract

MerchantContract

Funding

$

$

$

$ $$Merchant

$ $ $MerchantMerchantSubmerchant Submerchant Submerchant

PAYMENTS AGGREGATION & ACQUIRING

$

The PSP/PF can be the ISO/MSP, or

it can be the clients in their portfolio