E-Commerce, Web Businesses/Expert Profile

Ask A Question

Thomas Waters


Follow me on:


I can answer questions from business owners on how to reduce risk and cost when accepting any form of electronic payments. The Credit Card Processing industry is immense and many business owners simply do not understand how they are being billed. I have contributed to the conversion, re-engineering, set-up and integration of the credit card acceptance methods for over 1,000 clients. For over 15 years I have seen the rise and fall of thousands of businesses of all shapes and sizes. I have knowledge and information on how to set up and run many different types of companies.

Experience in the area

For over 15 years, I have helped CFO's, Accountants, and Office Managers make sense of their credit card processing programs. I currently operate a cost reduction consulting company to help businesses find and eliminate unnecessary fees in their fixed cost expenses: https://costfixed.com/


Delta Sigma Pi, International Business Fraternity, Member since Fall 2004, CostFixed (CostFixed) https://costfixed.com/


The Greensheet


State University of New York at Albany 2002-2006 Bachelor of Science, Information Technology Management and Marketing

Awards and Honors

Certified Payments Professional

Average Ratings

Recent Reviews from Users

Read More Comments

    K = Knowledgeability    C = Clarity of Response    P = Politeness
David06/18/15101010Tom provided a very informative response in .....
Randy05/14/14101010Thank you so much Thomas
S. Mahabir04/26/13101010 

Recent Answers from Thomas Waters

2015-06-18 eCommerce Question:

Hi David,    You have succinctly produced the necessary steps in order to turn a website into an e-commerce platform. I believe E4 has been rebranded to Payeezy but you got the steps correct.    As far

2015-06-09 Credit Card TCI compliance:

Art,    I apologize for the delay in responding. I never received a notification e-mail regarding your question.    PCI Compliance is an essential part of accepting credit cards as a form of payment.

2014-05-14 service merchant:

Hi Randy,    It looks like you have fallen into the abyss of leadgen vendor referral mayhem. The reason you have become overwhelmed with diligent and relentless sales representatives is because the companies

2013-09-11 Merchant Accounts and ACH batch payrolls:

Hi BJ,    Your relationship with any company is only as good as the representatives you engage at that company. That said, you can go to any processor and have a good or bad experience, a high or low cost

2010-12-30 Securing eCommerce business:

Hello Rohit    SSL Certification is good to have if you want your customers to feel comfortable giving you private information. Paypal's SSL is comforting and if the only private information you are taking


Ask A Question

E-Commerce, Web Businesses

All Answers

Answers by Expert:

Ask Experts


©2017 About.com. All rights reserved.