Why Optimal?

Optimal helps companies quickly improve cashflow, profit, earnings and equity value. We seamlessly reduce -- or even eliminate -- credit card costs, optimize workflow and increase security using our industry expertise, proprietary tools and best practices.

Cost Reduction

How much does your organization pay in credit card fees each year? At Optimal, We know that most companies are unknowingly paying much more than they should be for merchant services. We consistently reduce or even eliminate our clients’ credit card fees quickly and seamlessly. All we ask for is 15 minutes of your time to assess your company’s savings potential.

Optimization

At Optimal, we help our clients free up both time and money. We become a part of their team and help make their jobs easier. We can help streamline workflow and eliminate unnecessary stress and uncertainty. We ’re happy to advise and help with compliance or whatever other issues, concerns of wants they have. We have everything you need optimize your processing.

Integration

Our team builds custom payment integrations with proprietary and industry specific software. If you can envision it, chances are we can make it happen. We also have a full quiver of best-in-class integrated solutions that can streamline your processing and integrate with shopping carts and accounting and ERP software, including Shopify, Woo Commerce, QuickBooks, NetSuite and Oracle.

Compliance

In today’s world, cyber-security is vital. PCI (Payment Card Industry) Compliance is required and applies to companies of any size that accept credit card payments. Not being in compliance, puts companies and even their customers at risk. It also carries stiff penalties. We help you stay compliant and will even help with the annual PCI documentation requirements.

Support

We consider ourselves to be a part of your team and provide white-glove service and support. Whether your organization is small, mid-size or large, we will do whatever it takes to help you with whatever issues, needs or wants you may have. We encourage quarterly assessments to confirm savings and make sure you are not being charged any unnecessary or extra fees.

Meet Some of Our Team

We're here to help you.
Jeff Dowler

Jeff Dowler

Founder & Managing Partner

Jeff has been in the payment processing business for over 20 years and helped bring large-scale payment processing into the quick-serve industry. Jeff is a relationship builder and is gifted in building and leading high-caliber teams and forming strategic alliances and partnerships.

Jerry Sellers

Jerry Sellers

Principal

Jerry has been in the payment processing world since 2001. He worked alongside Jeff, bringing large-scale payment processing into the quick-serve industry, including thousands of McDonalds, Burger King and Taco Bell restaurants nationwide.

Leigh Cook

Leigh Cook

Payments Specialist

Leigh is a payments industry expert, and a successful payments software developer and innovator. She developed a QuickBooks integration software that is offered by Bank of America, Union Bank and Wells Fargo. She has also won an Innovation Award from NACHA (the National ACH Association) Leigh brings the technical savvy that helps distinguish Optimal from most other processing companies.

Jim Coll

Jim Coll

Principal

Jim has been in the payment processing for over 20 years. He has worked with Jeff throughout the years on various payment related initiatives, including municipalities, which can be pretty complicated. Jim is skilled at recruiting, training, tracking sales, managing and motivating teams at regional and corporate levels.

Mick Rispoli

Mick Rispoli

Principal

With 20+ years experience in Direct Marketing, eCommerce, and Non-Profit markets. Mick specializes in not only providing unique processing solutions butstrives to educate his clients to help them better their internal processes to create a more cohesive business relationship experience for all.

Paul Mulhern

Paul Mulhern

Principal

Paul has been a provider of all credit card merchant services to businesses across the country for over 30 years and has managed 25 independent sales offices. His expertise, insight and long-term industry relationships help Optimal provide best-in-class payment solutions and stay focused on the future.

Richard Coleman

Richard Coleman

Chairman of Optimal Veteran Enterprises

Richard is a retired Colonel from the USMC and heads up Optimal Veterans Enterprises (OVE), a veteran-focused offshoot of OPS. Richie is highly respected and well known in the San Diego military community. OVE provides integrated payment processing and fundraising solutions to help veteran-owned business enterprises, and non-profits serving the veteran community at large.

Confidential Savings, Optimization, Integration & Compliance Assessments

What others say

People that use or recommend our services are happy to share their experiences.
Nate Landis, Phd.

Nate Landis, Phd.

Nonprofit President & Founder - Urban Youth Collaborative

"The Optimal team is terrific. They love nonprofits and it shows. Very knowledgeable, helpful and supportive in every way."

Mark Neilson

Mark Neilson

Forum Leader - CFO Peer Group

"I often refer companies and CFO's I advise and work with to Jeff and his team at Optimal. They know their stuff and have all the tools and expertise to drive costs down and streamline operations."

Jennifer Barnes

Jennifer Barnes

CEO & Founder - Optima Office, Inc.

"We use OPS internally and I'm happy to be a reference and refer them to other businesses that want to lower costs, and process payments securely and efficiently."