Tracy Sullivan

As our resident “numbers guy”, Tracy is responsible for Payment Savvy’s financial planning, analysis and projections. With 20 years of accounting experience under his belt with various CPA and high technology firms, we look to him to ensure our fiscal future stays in the black. He is a highly regarded member of our team and we appreciate his hands-on approach and diligent attention to detail.  With Tracy we are able to apply innovative, practical and outcome driven financial strategies to take Payment Savvy to the next level.

Tokenization vs Encryption: What’s Best for Secure Billing?

By Tracy Sullivan / August 10, 2025 /

Your customer just completed a purchase, entering their credit card details into your checkout system. Within milliseconds, their sensitive payment information needs to be protected from cybercriminals, data breaches, and…

What Is PCI Compliance?

By Tracy Sullivan / July 12, 2024 /

Do you run a business that accepts credit cards? Then you’ve likely heard the term “PCI compliance” tossed around. But what is PCI compliance? In a nutshell, it’s all about…

How To Become an ISO Partner?

By Tracy Sullivan / February 6, 2023 /

An ISO can help companies elevate the customer experience they’re providing by offering stellar payment processing services. A good ISO offers extensive support to its clients, both in regard to…

What Is an FSA?

By Tracy Sullivan / December 2, 2022 /

A flexible spending arrangement or flexible spending account (FSA) is a tax-advantaged account provided by an employer to an employee to allow for covering eligible healthcare expenses or dependent care…

What Is an FSA Card, and How To Use It?

By Tracy Sullivan / December 1, 2022 /

If you have or are about to receive access to your Flexible Spending Account, you may need some basic information regarding FSA debit cards and how to use them. This…

ACH Transfer Limit – Everything You Need to Know

By Tracy Sullivan / October 28, 2022 /

ACH transfers are one of the most common ways money moves in the U.S. They’re used for payroll, bill payments, rent, subscriptions, loan payments, and B2B transactions. They’re reliable and…

ACH vs. Wire Transfer

By Tracy Sullivan / October 24, 2022 /

Consumers and companies have a vast choice of options to transfer money these days through traditional or more modern internet-based banking. Two of the more common methods are known as…

Payment Processor vs Payment Gateway: Purpose and Differences

By Tracy Sullivan / August 30, 2022 /

Adding a page for customers to input card details isn’t enough to secure their personal information. It is the merchant’s responsibility to provide customers with safe and secure online payment…