Electronic payments guru who guides companies and organizations through the myriad of complex payments options to find the best payment options to ensure positive customer experience while optimizing payment costs.
J.D. Heiden is one of ERA Groups most successful Merchant Card Fee and e-Payables category specialists. He has over 20 years of experience in merchant card and electronic payments and has been recognized often within ERA as a thought leader and for his exceptional contributions both to ERA and its clients.
J.D. was selected for the initial ERA’s President’s Circle Award for his significant contributions to clients and ERA’s growth, as well as being recognized multiple times as ERA Consultant of the Year for the Southern Florida region.
J.D. leverages his extensive, in-depth knowledge of the myriad of criteria that impact interchange and card brand costs (including Amex) to develop unique, holistic solutions tailored to each client’s merchant card processing needs, while significantly reducing those costs for clients.
J.D.’s “inside” experience with Amex and it’s separate, unique processing network has consistently proven that clients can reduce Amex rates which they previously “knew” were fixed and inflexible. J.D. uses this same knowledge on the “other side of the same coin” with e-Payables reviews. His familiarity with the various payment instruments and costs allows ERA solutions to drive higher enrollment and increased rebates for clients by working on all aspects of the numerous of cost structures in this complex category, in addition to helping to create increased efficiencies for client’s finance teams.
Additionally, J.D. has written a free-lance column for the South Florida Business Journal, “Finding Extra Profits”, which provided tips and strategies that businesses can use to reduce their costs. J.D. holds a B.S. and M.S. in Manufacturing Engineering from Boston University. He also received his Project Management Professional (PMP) certification in 2004.
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