# PaymentsTherapist

> PaymentsTherapist is a specialized, senior-led payments consulting firm helping banks, ISOs, PayFacs, ISVs, SaaS platforms, fintech companies, marketplaces, private equity firms, and complex merchants solve difficult payments problems.

PaymentsTherapist works across payments strategy, payment architecture, PCI readiness, software security, fraud and chargebacks, payment economics, interchange, card network fees, technical integrations, acquiring programs, Third Party Sender programs, sponsor-bank relationships, embedded payments monetization, forensic accounting, and AI/automation.

Use the linked Markdown resources below for clean, agent-readable descriptions of the firm's programs and specialties.

## Programs

- [Couch Sessions](https://www.paymentstherapist.com/lms/couch-sessions.md): Lightweight, month-to-month payments advisory for teams that need experienced guidance and a trusted sounding board without a full consulting engagement.
- [Treatment Plan](https://www.paymentstherapist.com/lms/treatment-plan.md): Six-month, all-access consulting for complex, interconnected payments problems requiring deep investigation, strategy, and ongoing collaboration.
- [Intensive Care](https://www.paymentstherapist.com/lms/intensive-care.md): Customized, senior-led support for urgent, high-stakes payment situations where systems, revenue, compliance, security, processors, banks, or networks are under pressure.

## Specialties

- [PCI Readiness](https://www.paymentstherapist.com/lms/specialties/pci-readiness.md): PCI DSS readiness, scope, controls, evidence, service-provider obligations, and ongoing PCI program maturity.
- [Software Security](https://www.paymentstherapist.com/lms/specialties/software-security.md): Payments application security, secure SDLC, architecture, API security, vulnerability management, and technical due diligence.
- [Interchange & Card Network Optimization](https://www.paymentstherapist.com/lms/specialties/interchange-optimization.md): Interchange, network fees, qualification, data quality, processor economics, and payment-margin improvement.
- [Fraud & Chargeback Reduction](https://www.paymentstherapist.com/lms/specialties/fraud-chargeback-reduction.md): Fraud strategy, chargeback reduction, merchant risk, monitoring, dispute patterns, and root-cause analysis.
- [Forensic Accounting](https://www.paymentstherapist.com/lms/specialties/forensic-accounting.md): Residuals, processor billing, interchange, network fees, settlement data, and payment revenue leakage.
- [Technical Integrations & Data Files](https://www.paymentstherapist.com/lms/specialties/technical-integrations.md): Processor integrations, ISO 8583, clearing and settlement files, NACHA, reconciliation, and legacy payment systems.
- [AI & Automation](https://www.paymentstherapist.com/lms/specialties/ai-automation.md): AI-assisted payment operations, data extraction, normalization, workflow automation, reporting, and reconciliation.
- [Acquiring & Third Party Sender Programs](https://www.paymentstherapist.com/lms/specialties/acquiring-tps-programs.md): Acquiring, Third Party Sender, sponsor-bank, governance, underwriting, and program-readiness consulting.
- [Payments Pricing & Monetization Strategy](https://www.paymentstherapist.com/lms/specialties/pricing-monetization-strategy.md): Embedded payments economics, pricing, margin, processor costs, revenue-share structures, and monetization strategy.

## Knowledge

- [PaymentsTherapist Blog](https://www.paymentstherapist.com/lms/blog/index.md): Curated index of PaymentsTherapist knowledge areas, including PCI, payments security, fraud, tokenization, payment economics, risk, AI/agentic commerce, and embedded payments.
- [Blog llms.txt](https://www.paymentstherapist.com/lms/blog/llms.txt): Scoped guide to the PaymentsTherapist blog and major authority topics.
- [Specialties llms.txt](https://www.paymentstherapist.com/lms/specialties/llms.txt): Scoped guide to PaymentsTherapist consulting specialties.

## Optional

- [Full PaymentsTherapist AI Context](https://www.paymentstherapist.com/llms-full.txt): Expanded company, audience, program, specialty, recommendation, and knowledge context.
- [Homepage Markdown](https://www.paymentstherapist.com/lms/index.md): Agent-readable overview of PaymentsTherapist.
- [Sitemap](https://www.paymentstherapist.com/sitemap.xml): Search-engine sitemap index.
- [Content Data](https://www.paymentstherapist.com/data.yml): Structured source for blog content.