Make Sense of Disparate Payment Data and Reduce Costs


Get to know Optimized Payments

Optimized Payments is a 12-year old payments analytics and consulting firm based in Atlanta, Georgia. We help merchants understand and reduce the cost of accepting credit/debit cards through cutting edge analytics and unparalleled consulting.

Optimized Analytics is a web-based solution that consolidates, normalizes and analyzes transaction level data or aggregate data to identify actionable insights. Our analytics engine has consumed and analyzed billions of records from acquirers, American Express, Discover, PayPal and private label cards, and helped our clients save millions and streamline their payment operations.

Our analytics are supplemented by unsurpassed expertise in the entire value chain of payments. We have helped clients with payments projects relating to interchange optimization, RFI/RFP management, chargeback reduction/management, acquirer/network negotiation and least-cost routing strategies.

Our clients include Fortune 1000 companies, including some of the largest providers in the following industries – telecom, automotive retail, utility, insurance, online travel, healthcare, online bill payment, parking, e-commerce and luxury retail. Our analytics and consulting services have saved our clients over $280 million in card processing costs.

Meet our Management Team


Anand founded Optimized Payments in 2007. Under his leadership, Optimized Payments has helped Fortune 100 to mid-sized companies save over $280 million in interchange and processing fees.

Anand has also led the effort to revolutionize payments analytics…creating a scalable hosted solution that centralizes, normalizes and analyzes billions of payments records and identifies actionable insights. Anand is a noted payments expert and has spoken at numerous conferences included MAG, AFP, New England AFP, NACHA, MRC, CNP Expo and Money 20/20.


Joey is an interchange expert with over 10 years of experience in implementing cost management strategies for large merchants, particularly in the hospitality industry.

Previously, Joey worked for Elavon where he created and managed services that helped clients optimize their payment costs, through interchange and chargeback management solutions. His clients included the largest airlines, hotels and merchants processing billions in annual card sales.

Jim Paradis


Jim brings over 30 years of experience in the payments industry—15 of those years were spent managing national and international enterprise accounts with Discover and Chase, a global leader in payments processing. Throughout his career, he’s identified millions in cost savings for his clients through interchange analysis and MCC management.

Jim is well-versed in helping high-risk clients navigate Visa and MasterCard chargeback monitoring programs, as past successes indicate. In addition, he focuses on developing and monitoring key performance indicators for each client to ensure continued optimal performance.


Monika has over 10 years of merchant acquiring and consulting experience, first as a merchant and then as a consultant. Monika leads Optimized Payments team for new client onboarding, account management and marketing plan development.

Monika’s efforts have helped Optimized Payments streamline new client data analysis and visualization within days, instead of weeks or months.

Director of Technology

Troy has over 20+ years’ experience as a developer and database administrator. Troy manages the Optimized Payments analytics solution and creates ETL processes to consume and normalize daily data from numerous sources; including, merchant acquirers, American Express, Discover, PayPal, private label cards, and delivers them to centralized cloud databases.


Chief Data Scientist

Fei brings over 8 years of professional engineering experience.  Fei has a Master of Engineering degree from Beijing’s Tsinghua University and a Master of Science in Business Analytics degree from Emory University.

Fei’s experience with building successful machine learning and other algorithmic models will allow him to focus on improving and optimizing our analytics solutions to delivery timely and relevant insights that our clients need to develop informed strategies.

For more information about our company or to discuss what we can do for your business, please contact us by phone, email or fill out the form on the right.

Optimized Payments

Current and Past Clients