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About Us
An advocate who knows the processor’s playbook and sits on your side of the table.
Sica Payment Advisors is built around a simple belief: business owners deserve an experienced advocate when their processor controls the pricing conversation.
Meet the founder
Built on two decades inside merchant services.
Steven Sica founded Sica Payment Advisors after twenty years in payment processing, including experience across major payment organizations. He created SPA to put that experience on the merchant’s side of the table.
The goal is simple: give business owners an honest answer, work directly with the processor they already use when pricing can be improved, and help protect the savings over time.
If the current pricing is strong, SPA says so. If there is a worthwhile opportunity, the merchant decides whether SPA should move forward.
“For 20 years, I watched processors protect their own margins. I built SPA so business owners would have someone protecting theirs.”
Steven Sica, Founder
- Twenty years in payment processing
- Experience across major payment organizations
- Massachusetts-based advocate for business owners
The operating beliefs
Trust is a workflow, not a slogan.
A clear written answer
Tell the merchant plainly whether the current deal is fair or worth challenging.
Permission before action
Contact or negotiate with the processor only after the merchant gives written authorization.
Respect the current relationship
A fair negotiation or a “stay put” answer can be a successful engagement.
Focused expertise
Processing guidance that stays in its lane.
Sica Payment Advisors reviews processing costs, negotiates commercial terms, and monitors results. When a question requires legal, tax, or accounting advice, we will say so.
A better first step
Start with the statement, not a sales pitch.
Send one recent statement and receive an honest written analysis. No phone call required.