Christine Speedy, CenPOS, 3D Merchant Services, Elavon

B2B credit card processing expert.

Level 3 processing for retail and card not present, plus ACH, checks and remote payments all in one solution.

Eliminate the merry-go-round of re-examining merchant account vendors every couple of years, seeking something 'better'. Whatever is on your wish list, 3D Merchant Services has it. Is cardholder verification impacting the order to ship process? Rules-based authentication automatically shifts counterfeit and "it wasn't me" fraud back to issuers.

3d merchant blog logo Visit blog for informative articles, official wholesale interchange rates, fees, and card acceptance rules.

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Do you want average or the top 1% expert help?
Average Merchant Services Salesperson Christine Speedy
Merchant Account Size 60% of accounts process less than $10,000 per month; 90% process less than $500,000 annually. Accounts start at $1M processing annually; exceptions are the multi-million dollar revenue companies, or professionals (accountants and lawyers) seeking Christine's B2B and data security expertise.
Merchant Fee Knowledge 98% have no depth of knowledge nor how rules impact merchant fees; B2B talk is often about level 2 qualification instead of level 3. Expert. Independent sales agents and bank employees all over the US call for help. Offers automated tools so merchants do not need to become merchant fee experts.
Computer Security Has limited knowledge of technology. Keys, stores and transmits sensitive information, including for merchant account application, with a computer with outdated software, risky firewall and network settings, or worse, via unsecure text. Computer expert. PCI Council QIR certified. Less than 1% are certified, demonstrating Christine's knowledge about networks and card data security. Home and mobile security exceeds most offices, including using VPN, encrypting digital data, securing PDF's, and updating software and hardware.
PCI Compliance Rely on old school thinking that is incorrect; even reps with 20+ years experience offer bad advice. PCI Council QIR certified and ongoing training and testing by vendor partner.
Technology Limited knowledge; may have in-depth about a specific solution. Recognized expert in forums and sought out by consultants for knowledge about a wide array solutions including payment gateway, ERP, ecommerce, etc.
Card Network Rules Has never read them. Recognized expert, guest writer, speaker, industry consultant. Knowledge about a wide array solutions including payment gateway, ERP, ecommerce, etc. This information is critical to mitigate fraud and ensure compliance with transaction rules, which impact merchant fees and chargeback risk.
Flexibility One payment processor and limited technology options. Authorized reseller for a wide variety of products and services that are best in class for target markets, including B2B and B2G.

"I've never met anybody in my 30 year cybersecurity career that knows more than Christine Speedy about credit card processing and related data security." Healthcare CISO

"I trust Christine Speedy to give me dummy proof tools so our employees never have to learn what she has. She's saved us over $100,000 in merchant fees." Automotive Dealer Group, CFO

"If you're ready to engage in credit card processing, and I mean the People, Process, and Technology process, Christine can help.
They do not come better than Christine. I  have known her for almost my whole career. She is an expert on Credit Card payments and other EFT options. She is a stand up human and extremely smart!"
Business Consulting, Owner


PCI QIR Certified

Level 4 merchants, defined as less than 20,000 Visa or MasterCard e-commerce transactions annually, and all other merchants processing up to 1 million Visa or MasterCard transactions annually, are mandated to use PCI QIR certified individuals, if using outside resources for implementation. Companies are not certified, only individuals. Christine Speedy is QIR certified by the PCI council. All merchants can benefit from PCI QIR expertise for both integrated and non-integrated payment technology. Software upgrading and ERP implementations often utilize temporary technical help that repeatedly uses 'old code', because they are not familiar with credit card processing rules. This has contributed to a record number of data breaches in recent years.

Credit Card Processing Rules Expert

Most technology consultants and integrators have never read the Visa rules, arguably the toughest of the card brands, which directly impacts merchant risk and fees. The rules are complex and lack of knowledge to maximize profits is the norm, and even most credit card processing consultants.

Christine Speedy is a leading expert in understanding card acceptance rules complexities and various technologies that can influence compliance. She is a sought after B2B contributing writer, consultant, and speaker on the subject matter.

Maximizing profits during an epidemic:

Reducing merchant fees has more to do with proper authorization than rate negotiation.

Quick fact check: Do you have EIRF, Data Rate I, Standard/STD, misuse, compliance fees or integrity fees on your merchant statement? If yes, you have a problem I can fix and make you more profitable on the same merchant account.   No change to deposits with our processor agnostic, global payment gateway; keep your merchant account and financial partners including First Data, Chase Paymentech, Moneris, Tsys, CrossCheck, United Tranzactions (UCT), and others.

Technology is essential.

My core solutions drive efficiencies for buyers and sellers, automates collections, mitigates risks, and optimizes transactions to reduce fees. Get paid by ACH, credit card and alternative payments. If your B2B business still accept checks in the mail, or credit cards over the phone, it's time for an account review. Call 954-942-0483 now.

While my career has been largely with companies that have a B2B component, including automotive dealers, manufacturers, distributors and building supply, the restaurant and hotel industries have been devastated by the Coronavirus pandemic. Too many have not shifted technology and are losing business because of it; to help those in need, I'm offering account reviews in these industries as well.

Check out the 3D Merchant Services blog which includes published credit card processing wholesale rates, rules and more. Call now for all services, 954.942.0483 or use this contact form. My CenPOS email has been sunsetted. Please use contact form or my email.