Gray Consulting
ATX
Navigating the Payments Landscape with Expertise
Mission
Our mission is to empower our clients by providing innovative and comprehensive consulting services in the payments industry. We strive to deliver unparalleled expertise in payment processing, issuing bank partnerships, network solutions, gateway services, and emerging payment technologies. Our commitment is to foster strategic growth and operational excellence for issuing banks, fintech companies, technology service providers, and program managers.
We are dedicated to creating tailored solutions that drive success, leveraging our extensive industry experience and deep understanding of market dynamics. By focusing on strategic planning, operational efficiency, and innovative solutions, we aim to exceed client expectations and deliver measurable results. Our goal is to be the trusted advisor that enables our clients to navigate the complexities of the payments ecosystem and achieve their business objectives with confidence and agility.
“Transforming payment challenges into opportunities“
Values
Expert-driven solutions
We leverage our deep industry knowledge and hands-on experience to deliver solutions that truly address our clients’ needs.
Innovative leadership
We stay at the forefront of payment technologies and trends, constantly seeking new ways to create value for our clients.
integrity & trust
We build long-lasting relationships based on transparency, honesty, and reliable delivery of our commitments.
Client-centric approach
We prioritize understanding our clients’ unique challenges and tailor our services to their specific needs and goals.
Collaborative Partnership
We work hand-in-hand with our clients, fostering open communication and shared success.
Measurable impact
We focus on delivering quantifiable results, whether through cost savings, revenue growth, or operational efficiencies.
continuous learning
We are committed to ongoing education and improvement, ensuring our expertise evolves with the rapidly changing payments landscape.
operational excellence
We strive for the highest standards in our own operations, setting an example for the excellence we help our clients achieve.
“Propelling clients to the forefront of the rapidly evolving payments landscape“
Services
Consulting Services
- Network Brand Agreement Negotiations
- Interchange Analysis & Optimization
- Issuer, Processor, and Vendors Selection & Support
- Merger & Acquisition Support
- Developing Program Management Organizations
Implementation Services
- Project Management / Implementations
- Processor and/or Issuer Conversions
- Network Services and Administration
- Card Production & Fulfillment
evaluation & Optimization
- Operational Procedures & Excellence
- Compliance Pricing Evaluation
- Gateway Service Provider Evaluation
- Client / Partner Relationships
- Market & Product Assessment
Development & Re-engineering
- Technology & Functionality Evaluation
- Program Design & Policy Development (BSA/AML)
- Develop Program Procedures & Best Practices
- Business Re-engineering
- Conversions / Deconversions (Banks or Processors)
“Leveraging over 25 years of hands-on experience in payments, partnerships, and operational excellence“
Experience
Michael Gray
Principal & Founder
MEET
Michael
Michael is an accomplished payments technology professional with over 25 years of experience planning and leading complex agreements with internal and external partners while building and strengthening relationships with processing platform vendors. He has a history of success in orchestrating and rolling out joint marketing campaigns, achieving $350M in cost savings, and guiding fintech and payment companies in strategic planning and operations. Michael is adept at researching and securing appropriate platform providers and card suppliers, structuring agreement negotiations, and driving $600M in payment brand dollars.
Michael recognizes the importance of continuing education and is currently enrolled in the Caltech Artificial Intelligence & Machine Learning Bootcamp. Michael previously completed the MIT Sloan School of Management and the MIT Computer Science and Artificial Intelligence Laboratory (CSAIL) course in Artificial Intelligence: Implications for Business Strategy.
Areas of Expertise
- Strategic Planning & Execution
- Card Networks
- Vendor Relations & Partnerships
- Issuer Platform Operations/Migrations
- Contract Negotiations
- Payment Technologies
- Team Leadership
- Revenue Growth
- Cross Functional Collaboration
Gray Consulting ATX 