Nationwide Payment Systems has expanded its payment processing consulting and advisory practice, providing businesses, SaaS companies, software platforms, investors, ISOs, and regulated merchants with strategic guidance for increasingly complex payment and banking challenges. 

After more than 25 years in the payments industry, one thing has become clear: sometimes a business does not need another payment processor. 

It needs someone who understands payments, acquiring banks, underwriting, compliance, technology, risk, card-brand rules, and how all of those pieces work together. 

That is the reason Nationwide Payment Systems has expanded its advisory practice. 

The expansion was officially announced on October 6, 2026, through EIN Presswire in the release “Nationwide Payment Systems Expands Advisory Practice.” 

Read the official Nationwide Payment Systems press release on EIN Presswire 

Businesses looking for assistance can also visit our new: 

Payment Processing Consulting Services page 

Executive Summary 

The payments industry has become considerably more complicated. 

A business may need help determining: 

• Which processor or acquiring bank is appropriate for its business model 

• Whether its current payment structure can scale 

• Why a merchant account was suddenly terminated 

• What a Mastercard MATCH listing means 

• Whether a business requires card-brand registration 

• Whether LegitScript certification may be required 

• How to launch payments inside a SaaS or software platform 

• How to structure payments across multiple businesses or legal entities 

• How to approach banks when operating in a regulated or emerging industry 

• Whether a payment company, processor, gateway, or banking relationship is appropriate before signing an agreement 

Nationwide Payment Systems' expanded consulting practice is designed to help businesses answer these questions before a payment problem becomes an expensive problem. 

Today's Businesses Need More Than a Payment Processor 

For many companies, accepting a credit card used to be relatively straightforward. 

Pick a processor. Get a terminal or gateway. Start accepting payments. 

That isn't necessarily the world businesses operate in today. 

Modern payment environments can involve: 

Credit and debit cards. 
ACH payments. 
Digital wallets. 
Virtual cards. 
Recurring payments. 
Payment APIs. 
Embedded payments. 
Payment facilitators. 
Multiple merchant accounts. 
Banking relationships. 
Card-brand registrations. 
Compliance requirements. 
Industry-specific underwriting. 

Then add fraud, chargebacks, processor risk policies, and continually evolving regulations. 

The processor offering the lowest advertised rate may not necessarily be the processor capable of supporting the business five years from now. 

That is why payment strategy needs to be considered as part of a company's overall business strategy. 

Who Is Payment Processing Consulting For? 

Payment consulting isn't just for a merchant looking for a new credit card processor. 

We work with organizations facing situations where the answer may require more analysis. 

Growing Businesses 

A company processing $50,000 per month today may be processing $500,000 or several million dollars per month in a few years. 

Its payment infrastructure needs to be able to grow with it. 

That may involve evaluating processing limits, gateways, ACH, B2B payments, fraud controls, multiple merchant accounts, backup processing relationships, Level 2 and Level 3 data, recurring billing, and payment automation. 

SaaS Companies and Software Platforms 

Software companies increasingly want payments integrated directly into their platforms. 

But there is a major difference between simply integrating a payment gateway and building a payment strategy. 

SaaS companies may need to evaluate: 

• Embedded payments 

• White-label payment solutions 

• Revenue-sharing opportunities 

• Payment APIs and webhooks 

• Merchant onboarding 

• Underwriting 

• PayFac models 

• ACH 

• Alternative payment methods 

• Buy Now, Pay Later 

• Risk allocation 

• Compliance responsibilities 

The right structure can create a new revenue stream. 

The wrong structure can create unexpected liability. 

Processor and Bank Selection 

Choosing a payment processor should involve more than comparing rates. 

Businesses should also consider: 

• Industry experience 

• Underwriting policies 

• Processing limits 

• Reserve requirements 

• Chargeback policies 

• Contract terms 

• Technology compatibility 

• Funding 

• Customer support 

• Banking relationships 

• Risk tolerance 

• Ability to support future growth 

This becomes even more important for businesses operating in industries banks or processors consider regulated, complex or higher risk. 

Nationwide Payment Systems can help businesses evaluate their options before making a long-term commitment. 

Merchant Account Due Diligence 

Payment processing should also be part of due diligence when purchasing or investing in a business. 

A profitable company may still have payment-related risks hiding beneath the surface. 

Those can include: 

• Excessive chargebacks 

• Processor reserves 

• Restrictive agreements 

• Compliance problems 

• Restricted products or services 

• Unfavorable pricing 

• Dependence on a single processor 

• Merchant account termination history 

• MATCH-related issues 

Discovering those issues after purchasing the company can be a very expensive surprise. 

Payment due diligence can help identify these risks before a transaction closes. 

MATCH List and Processor Shutdown Assistance 

One of the more serious problems a merchant can face is suddenly losing its payment processing. 

Sometimes that happens because of excessive chargebacks or fraud. 

Other times the processor simply changes its acceptable-use policy or stops supporting an entire industry. 

In more serious cases, the merchant may be added to the Mastercard MATCH system. 

When that happens, immediately submitting applications to numerous processors can actually make the problem worse. 

The first step should be understanding exactly what happened. 

We help businesses evaluate: 

• Processor termination notices 

• MATCH information 

• MATCH reason codes 

• Chargeback and fraud history 

• Compliance concerns 

• Outstanding balances 

• Documentation requested by processors 

• Potential acquiring-bank options 

The goal is to understand the problem before determining the appropriate path forward. 

Regulated Industries and Card-Brand Registration 

Businesses operating in regulated or monitored industries often face additional payment requirements. 

Depending on the business model, those requirements can involve: 

• Visa or Mastercard registration 

• Processor-specific underwriting 

• Licensing verification 

• Website compliance 

• Product documentation 

• Card-brand monitoring programs 

• Additional disclosures 

• Third-party certifications 

Many businesses discover these requirements only after an application has already been declined. 

That is exactly the wrong time to learn about them. 

We can review the business model, website, products, payment flow, and available documentation before a merchant account application is submitted. 

Pharmacy, Telemedicine and LegitScript 

Healthcare-related businesses can face additional complexity, particularly when telemedicine, online pharmacies, prescription services, or pharmaceutical products are involved. 

Depending on the business model, processors and acquiring banks may require additional licenses, documentation, card-brand registration, or certification from organizations such as LegitScript. 

Nationwide Payment Systems can assist businesses in understanding the payment requirements surrounding these industries and help them prepare for underwriting and certification. 

Hard-to-Place and Emerging Businesses 

Some businesses aren't inherently bad risks. 

They simply don't fit neatly into a bank's underwriting checklist. 

We regularly see new business models that combine: 

• Software 

• Marketplaces 

• Subscriptions 

• Healthcare 

• Consulting 

• Fulfillment 

• Financial services 

• Regulated products 

• Multiple businesses or providers 

An automated underwriting system may not understand a business like that. 

An experienced payments professional can help explain what the business actually does, how money flows, who provides the products or services, who accepts the payment and who carries responsibility for refunds and chargebacks. 

Sometimes the biggest challenge is simply presenting the business correctly. 

Payment Consulting Before You Have a Payment Problem 

This may be the biggest takeaway from the expansion of our advisory practice: 

You don't need to wait until something goes wrong to hire a payment consultant. 

Some of the best times to review your payment strategy are before: 

• Launching a new company 

• Launching a SaaS platform 

• Embedding payments into software 

• Entering a regulated industry 

• Applying for a merchant account 

• Signing a processor agreement 

• Acquiring another business 

• Expanding into a new product category 

• Increasing processing volume substantially 

• Changing banks or processors 

Ten conversations before a launch can be far less expensive than one emergency conversation after an account has been shut down. 

25+ Years of Payment Industry Experience 

Nationwide Payment Systems was founded in 2001, and I have worked in merchant services and payment technology since 1998. 

During that time, we have worked with business owners, processors, acquiring banks, payment gateways, software companies, underwriting departments, compliance companies and merchants operating across a wide range of industries. 

That experience is what we're bringing to the consulting side of Nationwide Payment Systems. 

As I said in our announcement: 

“Today's businesses don't need another payment processor. They need an experienced advisor who can help them navigate an increasingly complicated payments ecosystem.” 

Our objective is simple. 

We want business owners and executives spending their time building their businesses — not trying to figure out payment processing, banking relationships and constantly changing compliance requirements. 

Need Help With a Complex Payment Situation? 

Whether you're launching a new payment product, choosing a processor, evaluating an acquisition, integrating payments into software, dealing with compliance requirements, or trying to recover from a processor shutdown, Nationwide Payment Systems can help you evaluate your options. 

Learn More About NPS Payment Consulting 

Visit Nationwide Payment Systems Payment Processing Consulting 

Read the Official Announcement 

Nationwide Payment Systems Expands Advisory Practice — EIN Presswire