Together, we’ll find ways to grow your revenue and simplify your operations
My Story and Inspiration
Orlando Santos, Managing Director
After 35+ fulfilling years focused on delivering technology-based payment solutions in the financial services industry - with time at Bank of America, Webster Bank, Valley Bank, COCC, Payrailz, Mastercard, Moov, and Toast - I have ventured out as Managing Director at OSConsulting.
OSConsulting specializes in all things payments and value-added solutions for businesses of all sizes. From strategy to advisory, to execution and delivery, we have a proven history of delivering successful solutions for clients across various segments and vertical markets.
As a thought leader and collaborator, I work with various US-based and global organizations and financial governing bodies to promote safety, innovation, cooperation, and best practices in the payments industry.
My inspiration is to help craft a payments infrastructure that's simple, safe, and secure - one that fosters harmony and interoperability - enabling anyone to send and receive money using their preferred methods. It's about financial inclusion and empowering individuals and businesses globally.
Our Solutions
Secure, Efficient and Forward-Thinking Payment Solutions
As an extension of your business, we provide payment solutions consulting and bring best-of-breed strategic partnerships that deliver modular, flexible and scalable technology to help you pay and get paid securely and efficiently.
Our expertise in business process automation and omnichannel solutions empower you with simple-to-use hardware and software that help streamline your operations.
Through the power of partnership working for your business, we are able to offer a network-of-networks approach to payment processing, with real-time analytics and visibility into cash flow, liquidity management, and business intelligence.
Fraud & Scams, Risk Management & Compliance
Helping organizations with tools to assess, monitor, and mitigate payments risks and harness our collective power to fight fraud.
- Payment compliance, audits, risk assessments, consulting, and education
- End-to-end solution that covers the entire financial crime lifecycle
- Assess and help streamline your ACH data, delivering comprehensive reporting and analytics to support your compliance and risk management programs
Payment Acceptance
We enable you to accept cards, contactless payment methods, and electronic checks in a face-to-face environment, and web/mobile payments using pay by bank methods, cards, and alternative payment methods.
Embedded Finance
We help empower your software with robust payments capabilities and the freedom to build to its max potential. Through modern technologies and processes, we provide an infrastructure with direct connections to payment networks and sponsor FIs to enable ACH, card acceptance, instant payments, access to digital wallets, push-to-card, account funding, and card issuing solutions.
Accounts Payable
We help modernize and automate your invoice-to-pay processes, streamline manual operations and reduce fraud with solutions that meet the payment terms of your suppliers while allowing you to hold on to your money longer. We can help transform your payables into a profit center!
Accounts Receivable
We help expedite your order-to-cash flow by offering digital billing and payment processing for your customers with solutions to help reduce your DSO, sometimes by 40-50%. We can enable services through traditional methods as well as Open Banking and Pay-by-Bank.
Still dealing with Online Bill Pay checks?
We can help convert your paper bill pay checks into faster electronic payments, so you can receive your money 5-7 business days faster! We help you lower operational expenses, reduce support calls and late payment fee disputes, while improving exception handling by enabling you to electronically reject or return payments. No integration or lengthy projects required. Be up and running in 3-5 business days.
Love QuickBooks, but not the Payments pricing?
If you invoice clients and use QuickBooks, there is a more efficient solution that can help reduce your overdue invoices by up to 40%, get you paid up to 15 days faster, save you 10-20 hours per week on administrative work, and more. Plus, seamlessly sync all of your payment data back to QuickBooks! There are no contracts, pay a low monthly fee and save on average 60% based on QuickBooks card/ACH standard fees. Integrates with QBO, QB Desktop, Xero and more.
International Payables/Receivables
We help you focus on improving the process of sending and receiving international payments. Concentrating on delivery times, technology, integration, payment tracking, post transaction service, mitigating FX risk and competitive pricing. Solutions can be delivered through traditional processes and peer-to-peer networks using Distributed Ledger Technology (DLT). This process should be a complement to your business and not an operational hassle.
Smarter Cash and Liquidity Management
With an AI-powered cash intelligence platform, we enable you to have seamless data connectivity and enrichment - all in one platform for smarter cash and liquidity management. Fast multi-bank and ERP connectivity, real-time cash positions and working capital analytics, automated A/R reconciliation and cashflow forecasting – all powered by generative AI. The cash excellence platform equips finance, treasury, and accounting teams with data-driven tools for smarter decision-making and strategic control over cash flow and liquidity management.
Intelligent Automation - Agentic AI
In the past several decades, we haven’t seen any other technology with the potential to materially impact every aspect of a company. We can empower enterprises with AI Agents to autonomously run workflows, boosting efficiency and reducing costs while enhancing human-AI collaboration.
Technology + Operations + Brand and Strategy Consulting
We leverage the latest technology solutions to improve your operational efficiency and increase revenue. We work with you to identify technology solutions that fit your business needs and help you stay on par with the latest innovations, and operational improvements to streamlined processes to help run your business more effectively.
We help create distinctive brand strategies that illuminate dynamic and effective pathways to growth.
