We operate your payments.
You see it on the P&L.
We are your outsourced payments team — accountable for every outcome across pricing, fraud, authorization, failed payments, and operations. Measurable impact in 60–90 days. Payback in 4–6 months. Every dollar attributed on the Ledger.
Designed for subscription commerce merchants outgrowing their 'just make do' stage of payments.
Nobody owns your payments P&L.
And hiring your way out is its own project.
Payments expertise is scattered across a handful of specialisms; the senior operators who span them are scarce and expensive. For a growth-stage business focused on product and customer acquisition, building the team in-house means hiring three to five people, finding someone to lead them, and standing up the tooling — work that competes for management attention with the things actually growing the company.
Meet your Payments Office.
An outsourced team. A platform that proves every dollar. Benchmarks from across our client book.
A fractional cross-functional team
Senior operators across pricing, fraud, authorization, disputes, and vendor management — working as an extension of your business. Equivalent to 3–5 specialist FTEs, with deeper expertise than any single hire could bring.
The Payments Cost & Outcome Ledger
A client-facing platform where you see everything in one place: cost performance, KPI trends, decline reasons, the attributed impact of every change we make. Real-time dashboards for your team. Weekly operating detail. Monthly CFO-grade summaries.
Proprietary pricing intelligence
We benchmark your rates, fees, and contract terms against what comparable merchants in our book are actually paying. Every pricing conversation is informed by live cross-client data — not vendor slide decks or stale industry reports.
Managed vendor relationships
We own your PSP, gateway, fraud, and chargeback vendor relationships end-to-end. Reviews, RFPs, renegotiations — and implementation where it makes sense. One point of contact for every vendor conversation and every contract cycle.
Performance-aligned economics
Fixed management fee plus a performance share tied to validated savings. We get paid more when we deliver more. Every year, the upside compounds — because the optimization never stops.
Operators, not advisers.
PaymentsOffice is a CRG business, led day-to-day by Andrew Cowley and Steven Leitman, backed by a senior bench of specialist advisers and a dedicated operations team — each adviser a former operator in their functional area. The depth of expertise you'd otherwise be hiring for, one role at a time.
Sets the playbook.
Diane Halverson
Two decades across acquirer and PSP commercial roles, negotiating pricing for some of the largest merchant portfolios in North America. Reads processor master service agreements the way other people read fiction.
Marcus Chen
Former senior product lead at a Tier-1 issuer, where he built the rules engines that decide who gets approved and who gets declined. Knows what makes an issuing bank say yes.
Priya Ramanathan
Built fraud programs in-house at three subscription businesses before joining a leading fraud-tech platform as a strategy lead. Specialty: cutting false declines without lifting fraud loss.
James O'Donnell
Twenty years of dispute operations across travel, retail, and digital goods. Designed representment strategies that took win rates from the mid-twenties into the sixties. Verifi and Ethoca alumnus.
Sofia Vasquez
Led recovery programs at two of the largest streaming subscription businesses. Owns the playbook on retries, Account Updater coverage, and dunning communications.
David Whitmore
Former payments controller at a global e-commerce platform. Specialty: reconciliation tooling, settlement cycles, and the unsexy plumbing that breaks at scale.
Execute it daily.
A diagnostic, a takeover,
then continuous operating work.
Diagnostic
4–6 week deep dive into your processing data, auth logs, fraud losses, and dispute economics.
Takeover
We assume operating responsibility for your existing payments stack. No rip-and-replace.
Optimize
We optimize your existing stack and recommend new capabilities where the business case supports it.
Prove
CFO-grade reporting through the Payments Cost and Outcome Ledger.
We get paid more when we deliver more.
A management fee
A predictable monthly fee for the team, the Ledger, the access to cross-client benchmarks, and the operating cadence — the work that happens whether or not we move a single basis point.
A performance share
A share of the validated savings we deliver, tracked dollar-for-dollar on the Ledger. We get paid more when we deliver more. The upside compounds year over year because the optimization never stops.
Self-funding within months. Payback inside a fiscal year. Specific numbers are worked through in the diagnostic — we'd rather show you the model than quote a figure we can't yet defend.
The first conversation
is a diagnostic conversation.
Tell us a little about your stack and what you're seeing. We'll come back with whether a diagnostic makes sense, and what we'd want to look at first. Thirty minutes, no slides.