Step 1 · Five working days · $5,000 flat
The Partner-Bank & Checkout Audit
Find out exactly where your card program loses the checkout, what to change, and — critically — which changes you can ship this month without a bank approval cycle. Delivered within two to three calendar weeks of kickoff.
1. Checkout placement & onboarding
Every surface where the card is (or isn’t) offered: product page, cart, checkout, in-store and assisted sale, post-purchase. The application journey field by field — soft-pull timing, prequalification, mobile wallet provisioning, approval-to-first-use. Where customers leave and why.
2. Competitive credit positioning
How your offer reads against the BNPL options beside it — placement, copy, promo financing legibility, perceived effort. Where BNPL is winning on ease rather than preference, and what parity actually requires.
3. The prioritized playbook
Every recommendation with an effort estimate, sorted into three lanes: ship now (merchant-controlled, no bank sign-off), routine bank approval (standard change request, predictable timeline), and longer conversation (contract, pricing, or risk-policy level).
Deliverables
- A written audit (typically 20–30 pages) with annotated screenshots of your live flow
- A 60-minute live readout with your credit, digital, and (if you like) issuer teams
- An effort-estimated action list in the three lanes above
- A baseline: the conversion and penetration numbers we’ll measure against if you go to Step 2
What it asks of you
- A 90-minute kickoff
- Read access to checkout and application analytics
- Two 30-minute check-ins
- Partner-bank terms under NDA — helpful if available, not required. The placement and positioning work doesn’t need them; the lane sorting is sharper with them.
Price and terms
$5,000 flat, founding-client rate, through the first ten audits. Invoiced at kickoff. No procurement event at most merchants.
Guarantee: if the readout doesn’t contain at least three changes you can ship within 30 days, you don’t pay.
Credit: the full audit fee is credited against the Credit Conversion Redesign if you proceed within 60 days.
Scope limit: one card program, one primary checkout (web or in-store), up to two additional surfaces. Larger estates are scoped on the discovery call.
Conflicts are checked before kickoff. I don’t take engagements that compete directly with the program I currently lead.
Where it leads
- Step 0
Free teardown
2 business days · $0Three specific fixes to your live application flow. Proof you can judge before spending anything.
- Step 1
Partner-Bank & Checkout Audit
5 working days · $5,000Full diagnostic of placement, onboarding, and competitive position, with every fix sorted by what your bank will approve and when.
- Step 2
Credit Conversion Redesign
90 days · from $50,000We rebuild the application journey, negotiate the changes with your issuer, ship, and measure. Audit fee is credited.
- Step 3
Run
Monthly retainerOngoing experimentation on the funnel, promo financing, wallet provisioning, and agent-readiness.
Book the audit, or test me first.
A 30-minute discovery call confirms fit and scope. If you’d rather see the work before you talk, send a checkout URL and get three fixes back in two business days.