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LMS Payments Consulting

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    Independent Payment Consulting That Works for You

    Independent Payment Consulting That Works for You Independent Payment Consulting That Works for You Independent Payment Consulting That Works for You

    Unbiased guidance. No pressure. No cost to you.
    I help businesses and software companies find the right payment solutions.

    Welcome! You deserve a solution that fits your business - not someone else's agenda.

    Welcome! You deserve a solution that fits your business - not someone else's agenda.

    Welcome! You deserve a solution that fits your business - not someone else's agenda.

    Welcome! You deserve a solution that fits your business - not someone else's agenda.

    Welcome! You deserve a solution that fits your business - not someone else's agenda.

    Welcome! You deserve a solution that fits your business - not someone else's agenda.

    Expert Payments Solutions

    Trusted. Transparent. On Your Side. Choosing the right payment solutions and POS technology is one of the most important decisions you’ll make for your business. As your independent consultant, I’m here to guide you every step of the way—offering expert advice on credit card processing, transparent guidance on merchant services, and ongoing support. Let’s work together to streamline your payments, enhance your operations, and unlock new opportunities for growth.

    Learn More

    About LMS Payments Consulting

    Person making a mobile payment with confirmation on a digital device.

    Why Work With a Consultant?

    Tailored Solutions for Your Business Needs

    Why Work With a Consultant?

    Unlike sales reps or agents tied to specific platforms, I’m an independent consultant. That means:

    • You pay nothing for my services — I’m compensated by the provider you choose
    • I only get paid if you’re satisfied and move forward with a recommended solution
    • I evaluate multiple options to find the best fit for your business
    • I offer honest, stra

    Unlike sales reps or agents tied to specific platforms, I’m an independent consultant. That means:

    • You pay nothing for my services — I’m compensated by the provider you choose
    • I only get paid if you’re satisfied and move forward with a recommended solution
    • I evaluate multiple options to find the best fit for your business
    • I offer honest, strategic advice with no pressure and no upselling

    My success depends entirely on yours. That’s why I work hard to earn your trust — and keep it.

    Couple making a payment with a smartphone at a store counter.

    My Vision

    Tailored Solutions for Your Business Needs

    Why Work With a Consultant?

    At LMS Payments Consulting, my mission is simple: to help businesses make confident, informed decisions about their payment systems — without pressure, bias, or hidden agendas. I believe every business deserves a solution that fits its unique needs, not a one-size-fits-all product.

    Whether you're a startup navigating your first POS integra

    At LMS Payments Consulting, my mission is simple: to help businesses make confident, informed decisions about their payment systems — without pressure, bias, or hidden agendas. I believe every business deserves a solution that fits its unique needs, not a one-size-fits-all product.

    Whether you're a startup navigating your first POS integration or an established company reevaluating your merchant services, I’m here to guide you with clarity, integrity, and a client-first mindset

    Person analyzing financial data on a tablet with charts and graphs.

    Tailored Solutions for Your Business Needs

    Tailored Solutions for Your Business Needs

    Tailored Solutions for Your Business Needs

    I specialize in helping businesses across industries — including healthcare, government, retail, high-risk, and restaurants — find and implement payment systems that work. My services include:

    • Merchant services evaluation and cost comparison
    • POS and software integration
    • Contract review and negotiation support
    • Ongoing optimization and support

    F

    I specialize in helping businesses across industries — including healthcare, government, retail, high-risk, and restaurants — find and implement payment systems that work. My services include:

    • Merchant services evaluation and cost comparison
    • POS and software integration
    • Contract review and negotiation support
    • Ongoing optimization and support

    For Software Companies:
    If you’re building or selling software and currently use Stripe or similar platforms, I can help you monetize your payments more effectively. From embedded payments to revenue-sharing models, I’ll guide you through strategies that turn your payment infrastructure into a profit center — without disrupting your user experience

    Industries

    Software Integration & Monetizing Payment

    Software Integration & Monetizing Payment

    Software Integration & Monetizing Payment

    For SaaS platforms and ISVs, embedding payments is a powerful way to increase revenue and user retention. I guide software providers through the process of integrating payment functionality—whether white-labeled or referral-based—while ensuring compliance, scalability, and monetization. From API selection to partner negotiations, I help turn payments from a cost center into a strategic asset.

    Retail

    Software Integration & Monetizing Payment

    Software Integration & Monetizing Payment

    Retailers face constant pressure to deliver smooth, secure checkout experiences—both in-store and online. I work with retail businesses to optimize their payment infrastructure, reduce hidden fees, and integrate with inventory and CRM systems. From boutique shops to multi-location chains, I help merchants create frictionless transactions that support customer loyalty and business growth.

    High-Risk Businesses

    Software Integration & Monetizing Payment

    High-Risk Businesses

    High-risk merchants often struggle to find reliable, transparent payment processing. I specialize in helping these businesses—whether in supplements, CBD, or other regulated spaces—I help navigate underwriting, compliance, and chargeback management. My goal is to connect clients with stable, long-term solutions that protect revenue and support sustainable growth, without the smoke and mirrors.

    Restaurants

    Healthcare & Government

    High-Risk Businesses

    In the restaurant industry, seamless payments are essential to both customer satisfaction and operational efficiency. I help restaurateurs implement solutions that reduce processing costs, integrate with POS systems, and support everything from tableside payments to online ordering. Whether it’s a fine dining establishment or a fast-casual concept, I ensure payment workflows are fast, secure, and tailored to the unique rhythm of food service.

    Service Industry

    Healthcare & Government

    Healthcare & Government

    Service-based businesses—from salons to HVAC companies—need flexible, mobile-friendly payment options that fit how they operate. I help service providers accept payments in the field, automate invoicing, and offer modern features like text-to-pay or recurring billing. My focus is on reducing administrative burden while improving cash flow and client convenience

    Healthcare & Government

    Healthcare & Government

    Healthcare & Government

    In healthcare and government, payment solutions must meet the highest standards for security, accessibility, and compliance. I work with providers, clinics, and agencies to implement systems that support HIPAA, PCI, and other regulatory requirements—while also improving the patient or citizen experience. Whether it’s co-pay collection, online portals, or back-office reconciliation, I bring clarity and trust to complex environments

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    LMS Payments Consulting

    Cleveland/Sarasota

    Lisa@lmspaymentsconsulting.com 330-388-3072

    Hours

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    Meetings available after hours by request.

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    Disclosure Statement

    📜 Full Disclosure Statement


    LISA MUSITANO SMITH PAYMENTS CONSULTING is an independent payments consulting service. I do not charge clients for my consulting services. Instead, I am compensated by the payment processing or point-of-sale companies that clients choose to work with based on my recommendations.


    This compensation model ensures that:

    • My services are free to you, the client.

    • I only earn a commission if you are satisfied and move forward with a solution I recommend.

    • I strive to provide unbiased, transparent advice tailored to your business needs.


    I may recommend solutions from multiple providers, and I always disclose any affiliations or partnerships that may influence my recommendations. My goal is to help you find the best fit -not to push a specific product.



    Privacy Policy

    🔐 Privacy Policy

    Effective Date: 2025

    At LISA MUSITANO SMITH PAYMENTS CONSULTING, your privacy is important to me. This policy outlines how I collect, use, and protect your personal information.


    Information I Collect

    • Name, email address, phone number, and business details when you fill out a contact form or schedule a consultation.

    • Any additional information you voluntarily provide during our communications.


    How I Use Your Information

    • To respond to inquiries and provide consulting services.

    • To recommend payment and POS solutions tailored to your business.

    • To follow up on service satisfaction and offer ongoing support.


    Sharing Your Information

    • I do not sell or rent your personal information.

    • I may share your information with payment solution providers only if you choose to move forward with a recommendation and give consent.


    Data Security

    • I take reasonable precautions to protect your data from unauthorized access.

    • Your information is stored securely and only accessible to authorized personnel.

    Your Rights

    • You may request to review, update, or delete your personal information at any time.

    • You may opt out of communications by contacting me directly.


    Contact

    If you have questions about this policy or how your data is handled, please contact:

    Lisa Musitano Smith 📧 lisa@lmspaymentsconsulting.com 📞 330-388-3072

    ________________________________________

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    Welcome to the LISA MUSITANO SMITH PAYMENTS CONSULTING website hosted on GoDaddy. By accessing or using this site, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.


    1. Use of the Site

    • You agree to use the site only for lawful purposes and in a way that does not infringe the rights of others or restrict their use and enjoyment of the site.

    • You must not use the site to transmit any harmful, offensive, or illegal content.


    2. Intellectual Property

    • All content on this site, including text, graphics, logos, images, and software, is the property of LISA MUSITANO SMITH PAYMENTS CONSULTING or its licensors and is protected by intellectual property laws.

    • You may not reproduce, distribute, or create derivative works from any content without prior written permission.


    3. Disclaimer of Warranties

    • The site and its content are provided "as is" without warranties of any kind, either express or implied.

    • We do not guarantee the accuracy, completeness, or reliability of any content on the site.


    4. Limitation of Liability

    • We shall not be liable for any damages arising from the use or inability to use the site, including but not limited to direct, indirect, incidental, or consequential damages.


    5. Links to Third-Party Sites

    • The site may contain links to third-party websites. We do not endorse or assume responsibility for the content or practices of these sites.


    6. Hosting and Service Provider

    • This website is hosted by GoDaddy, Inc. GoDaddy provides the hosting infrastructure and related services but is not responsible for the content or services provided by LISA MUSITANO SMITH PAYMENTS CONSULTING.


    7. Changes to Terms

    • We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated effective date.

    • Your continued use of the site after changes constitutes acceptance of the new terms.


    8. Governing Law

    • These terms are governed by the laws of the jurisdiction in which LISA MUSITANO SMITH PAYMENTS CONSULTING operates.


    9. Contact Information

    • If you have any questions about these terms, please contact us at lisa@lmspaymentsconsulting.com or call 330-388-3072.


    Copyright © 2025 LMS Payments Consulting - All Rights Reserved.


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