Payments approvals and reliability for businesses that don’t fit the “standard” box.
PTV Partners is a payments consulting firm focused on high-risk merchants and complex ISVs. We help you secure hard-to-place merchant accounts (MIDs), improve authorization rates, and build a resilient payment stack across gateways, acquirers, and fraud tooling—without the churn and dead ends of legacy providers.
Discreet by design • Global coverage • Founder-led execution
“If underwriting keeps stalling, approvals are inconsistent, or you’re getting forced into bad reserves—PTV builds a clear path to ‘yes’ and keeps it working.”
Payments Consulting Services
Practical, senior-level help across underwriting, stack design, and performance.
Hard-to-Place MID Placement
We package your file, shape the underwriting narrative, and route it to the right acquirer for your risk profile.
Underwriting Strategy & Readiness
Turn “this looks risky” into a clean, approvable story with the right data, policies, and controls.
Payment Stack Architecture
Design a stack that survives: gateway + fraud + multi-acquirer routing + reporting that reconciles.
Auth Rate & Cost Optimization
Improve approvals and reduce avoidable fees with smarter routing, bin logic, and fee visibility.
Risk Ops & Disputes
Keep MIDs healthy with operational controls your team can actually run.
ISV Payments Programs
For ISVs with complicated flows: build approvals, controls, and economics that scale.
High-Risk & Complex Verticals
Representative categories. If your model is “edge case,” we can usually place it—discreetly.
iGaming & Skill
Licensing-aware placement, jurisdiction considerations, risk posture and continuity.
Adult
Compliance-sensitive underwriting, descriptor strategy, dispute mitigation.
Nutraceuticals
Claims-sensitive packaging, continuity, refund and chargeback posture.
Crypto / OTC
KYB/KYC and transaction controls, acquirer fit, monitoring approach.
Travel
Delayed delivery risk, reserves, refund operations, supplier exposure.
Ticketing & Events
Spike volume + refunds, dispute prevention, operational guardrails.
How We Work
Fast clarity, then execution. We keep it simple, but we don’t dumb it down.
Quick diagnostic
Model, MCC, geos, processing history, chargebacks, current stack, and constraints.
Underwriting package
We assemble the file, narrative, and supporting docs to de-risk underwriting questions.
Placement & terms
Route to best-fit partners, manage iteration, negotiate reserves/limits, finalize setup.
Stabilize & optimize
Monitor approval rate, disputes, and uptime. Improve routing and cost over time.
What you can expect
Merchant-first communication
We translate underwriting into plain English—then handle the technical work behind the scenes.
Technical credibility (without overkill)
Routing, risk controls, dispute posture, descriptors, and operational SOPs—focused on outcomes.
Founder-led expertise
Payments is all we do.
Jake Tuck is the Founder and Lead Consultant. Previously Director of Partnerships at Nuvei, he built and scaled ISV-focused partnership programs and worked closely with merchants and ISO partners.
Jake founded PTV after repeatedly seeing strong businesses struggle to get approved—or get pushed into fragile setups—because they had even a hint of risk. He holds an MBA from the Terry College of Business at the University of Georgia.
Discretion first
We don’t publish client logos or case studies.
Many engagements are sensitive—underwriting, risk controls, commercial terms. We keep work private by default.
If you want validation, we can share private references and testimonials relevant to your category during a confidential conversation.
Let’s talk privately
Tell us what you’re selling, where you operate, and what’s blocking you (approvals, disputes, cost, uptime). We’ll respond with the fastest path forward.
Prefer email? hello@ptvpartners.com
Hard-to-place MIDs, high-risk approvals, complex ISV flows.
Website, geo(s), MCC guess, volume, prior processor outcomes.