Electronic payments guru who guides companies and organisations through the myriad of complex payment options to find the best payment options to ensure a positive customer experience whilst optimising payment costs.
J.D. Heiden is one of ERA Group's 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 recognised 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 recognised 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, whilst significantly reducing those costs for clients.
J.D.’s “inside” experience with Amex and its 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 enrolment and increased rebates for clients by working on all aspects of the numerous 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 freelance 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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