US Payment Acceptance Consulting

Deep expertise where hardware meets strategy.

TXN360 is a research and consulting firm focused exclusively on the US payment acceptance market. We deliver market research, technical advisory, and operational strategy to help our clients grow — backed by decades of experience across the full value chain.

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Services
We solve the problems that sit between hardware, compliance, and commercial reality.

Every engagement is tailored. These are the areas where our team delivers the most value.

01
Hardware Portfolio Strategy
Terminal selection, vendor evaluation, RFP design and management, migration planning, and fleet optimization. We help acquirers and ISOs build hardware strategies that balance cost, compliance, and merchant experience — because the wrong terminal decision costs millions.
02
Vendor & Supply Chain Management
ODM relationships, contract negotiation, tariff exposure analysis, supply chain risk assessment, and manufacturing location strategy. We've managed relationships with every major terminal manufacturer and bring operator-level knowledge of how these partnerships actually work.
03
PCI & EMV Compliance
PCI SSF gap analysis, EMV kernel evaluation, security risk assessments, penetration testing review, and compliance remediation planning. We translate complex compliance requirements into actionable engineering and business decisions.
04
Go-to-Market & Strategic Advisory
Market entry strategy, competitive positioning, investor narratives, board-level presentations, and due diligence support for PE firms evaluating payment hardware and fintech investments in the US market.
Research
Original research and market intelligence.

Our team publishes original industry research on the topics that matter most to our clients. Detailed reports are available to clients and qualified industry participants.

Industry Analysis
Ingenico Debt Crisis: PE Engineering and Vendor Risk
Structural disruption under Apollo Global Management and implications for the terminal market.
Market Report
2026 RAM Price Hike: Geopolitical Accelerants and Financial Impacts
How AI chip export policy is reshaping payment terminal economics.
Financial Assessment
Castles Technology (TWSE: 5258) Financial and Strategic Risk Assessment
Forensic analysis of cash flow disconnect and vendor continuity risk.
Industry Structure
US Payment Hardware: The Four-Tier Industry Structure
How the value chain works, how it's evolving, and why integrators are training their replacements.
Reference
US Payment Handbook — Third Edition
A concise technical primer on how US electronic payments work.

For detailed reports and research access, contact our team at connect@txn360.com.

About
Our team.

TXN360 is a research and consulting firm built on deep operational experience in the US payment acceptance market. We combine technical expertise, market intelligence, and hands-on industry knowledge to help our clients make better decisions and grow faster.

Our CEO, Ben Love, has over 25 years of experience across the full payment hardware value chain — including serving as CEO of Castles Technology North America and Newland NPT North America, leading the Clover East team at First Data, and holding senior roles at Bank of America, Visa/CyberSource, Vantiv, and Ingenico.

Ben is supported by Claire Love, our COO, who manages operations and client engagement, and Holly, a product analyst focused on market research and competitive intelligence.

Learn more about Ben's background and perspective at bnlv.com.

Ben · CEO
25+ years in payment acceptance
Claire · COO
Operations & Client Engagement
Holly · Product Analyst
Market Research & Competitive Intelligence
Prior Leadership
Castles Tech · Newland NPT · First Data · Clover · Visa · BofA · Vantiv · Ingenico

Let's talk about what you're building.

Hardware strategy, vendor risk, compliance, or market entry — our team brings operator-level expertise to every engagement.

connect@txn360.com →