Stay competitive and achieve revenue growth with vendors that are right for your institution.


No area of financial services has seen more changes and new entrants than the payments arena. With payments revenue accounting for as much as 40% of an institution’s non-interest income, banks and credit unions must take a proactive approach to protect and grow this revenue engine to its full potential. Cornerstone Advisors can be an indispensable partner in this strategy. 

We combine the knowledge gained from numerous customer engagements with the proprietary peer benchmark data in our Performance Vault™ to ensure each client has a clear understanding of its opportunities and risks and an actionable strategic plan and roadmap for achieving its goals and ensuring its payments business is future-ready.

How can banking executives deal with 3% interchange compression? What role will data play? And what’s up with fraud?


Payments Growth Initiative

Develop metrics and tactics for debit and credit card portfolio growth.

Credit Card DeNovo Program

Restart your credit card program.

Payments Stress Test

Shine the light on potential decreases in non-interest income.

Payments Organization Study

Best practices to organize your payments group.

Debit & Credit Card Selections

Select the debit card processor that’s right for you.

PIN POS Network Negotiations

Maximize your PIN POS interchange.

Credit Processing Negotiations

Select the credit card processor that’s right for you.

Visa/Mastercard Negotiations

Maximize your signature interchange.

Maximize your payments potential.

The Benefits For You

Proprietary Tools

Payments Growth Initiative (PGI), Payments Scorecard and Payments Stress Test tools help financial institutions drive measurable revenue growth and profit improvement in their payments businesses

Cornerstone Contract Vault™ ensures that our clients receive the best market pricing and terms on contracts and card branding and marketing incentives

Vendor Selection

Our vendor selection and card conversion services ensure that new strategies can be implemented with minimal customer impact
For clients re-entering the credit card business, Cornerstone can develop an objective business case and road map to grow this new product area via our extensive Credit Card ROI assessment

Innovation and Revenue Opportunities

Cornerstone helps clients explore untapped areas of revenue in the business credit and debit markets

Cornerstone’s research function allows our clients to be fully informed regarding innovations and emerging strategies in the payments arena

Tony DeSanctis
Senior Director

Tony works with clients to implement measurement processes, identify revenue growth opportunities, and select vendor partners to help achieve objectives.

A Shift in the Vendor Landscape

The card processing landscape experienced significant changes in 2017, and this shift in players will impact financial institutions well into the future.

PSCU Interviews

Cornerstone Advisors’ Tony DeSanctis and Brandi Gregory List the Hot Topics in Payments Today

Is Lumin a Smartphone Moment, or Just Another Flip Phone?

The Payments GonzoBankers have just returned from the PSCU member forum and the biggest announcement (among many) was the launch of Lumin Digital, a new digital banking platform that is currently available only to credit unions.

Meet the Payments Team

Tony is a 20+ year seasoned senior financial services executive with a track record of managing product, operational and analytical

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Bob Roth leads Contract Negotiations and Payments for Cornerstone Advisors. Bob has negotiated hundreds of contracts with industry vendors resulting

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Brandi Gregory has over 15 years of experience working in the financial services industry with an emphasis on relationship management,

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Ryan Rackley specializes in contract negotiations, payments, mergers, branches, and technology at Cornerstone Advisors. He helps clients reduce vendor costs

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Nick Lane is the product manager for Cornerstone’s vendor management practice. In this role, he assists clients in assessing their

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Bernita Stephans specializes in data analysis and project coordination with a focus on contract negotiations at Cornerstone Advisors. She is

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Jen Wagner specializes in contract negotiations with an emphasis on payments, marketing and training at Cornerstone Advisors. Jen focuses on

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