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.

Payment Processor vs Payment Gateway

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…

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Debit Card vs ACH Payments, Merchant Account, Payment Acceptance, Payment Methods

What are ACH Payments ? ACH Debit & Credit Explained

By Tracy Sullivan / July 10, 2022 /

Key Takeaways Understanding ACH Payments: ACH (Automated Clearing House) payments and debit card transactions are two popular options for receiving customer payments. Knowing the differences between them can help you…

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Interchange Rate, Credit Card Processing, Merchant

What Interchange Rate Increases Mean for Your Business

By Tracy Sullivan / April 6, 2022 /

Merchants, your credit card rates might be going up in April. Both Visa and Mastercard are preparing to raise the costs that many companies pay when consumers use their credit…

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PCI Non-Compliance Fees, High-Risk Merchant, PCI Compliant Payment Gateway

Get Rid of Pesky PCI Non-Compliance Fees

By Tracy Sullivan / February 24, 2022 /

If you’re in a high-risk industry, such as collections, CBD, travel, or even e-commerce, you know how expensive payment processing can be. On your monthly processing statement, one fee you…

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Online Payment Processing, e-Commerce Merchant, Internet Payment Solutions

A Guide to Online Payment Processing

By Tracy Sullivan / February 9, 2022 /

If you’re an e-commerce business owner, you know that taking payments is essential to your success. But did you know that there are many different ways to process payments? This…

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