About

us.

our story

About Utopaya

Utopaya was founded in 2022 with the vision of assisting software vendors navigate an increasingly complex payments landscape.  After years of working in ISV partnerships at major payment processors including TSYS, Global Payments, and Clearent, it became clear to me that asymmetrical information between software vendors and processors themselves often resulted in a costly and frustrating “failure to launch.”

When Brian saw an opportunity to provide advisory services to avoid these suboptimal outcomes, and Utopaya was born. We strive to serve as a conduit between the two sides of an embedded payments partnership and leverage our experience to create long-lasting and mutually beneficial partnerships.

Software vendors have unprecedented opportunity to monetize payment volume running through their systems, yet they consistently struggle to successfully commercialize an integrated payments strategy.  

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Sound familiar?

Utopaya leverages years of experience in integrated payments to deliver our clients a comprehensive payments strategy that creates new revenue streams, increases customer LTV, and ultimately improves the valuation of the company.
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meet the founder

About Brian.

Brian Abernethy’s background in the integrated payments space includes positions of increasing responsibility at major payment processors including TSYS, Global Payments, and Clearent. Specializing in the Independent Software Vendor (ISV) partnership channel, Brian has an extensive background in helping ISV’s create a comprehensive integrated payments strategy including technological requirements, operational planning, marketing campaigns, and ultimately commercialization.  Throughout his career, he has overseen the creation of over 100 integrated payments partnerships in verticals markets such as Healthcare, Field Services, Non-Profit/Fundraising, Retail, Restaurant, Hospitality, Professional Services, B2B, and many more.

Brian was named a recipient of 2023 Electronic Transaction Association (ETA) “Forty Under 40,” which “recognizes the game-chargers in the payments industry.” As a member of the ETA, he participates in both the Payment Facilitation and Retail Technology committees, staying on the cutting edge of trends in both arenas. Over the past several years, Brian has provided thought leadership through public events including “ETA PayFac Day,” investor roundtables facilitated by KBW at Money 20/20, and a number of webinars and podcasts from Clearent.

After founding Utopaya in early 2022, Brian has already successfully completed dozens of projects of varying size and scope. Select engagements include:

  • Guided a private equity backed software business valued at $1B+ to becoming a registered Payment Facilitator in record time, resulting in an $100MM+ annual revenue opportunity for the client
  • Advised a private equity backed healthcare software vendor to move from what was a payments agnostic approach to an integrated partnership with a leading PayFac-as-a-Service vendor
  • Led a private equity backed HoldCo in the Veterinary market to develop a creative commercialization strategy, unlocking payments revenue that was previously thought to be unattainable

Brian holds a Masters in Business Administration from Wake Forest University and Bachelor of Arts in Economics from St. Lawrence University, where he was an All-American goalkeeper on the Men’s Soccer team.

Software vendor testimonials.

Here is what the software vendors we’ve worked with have to say
We’ve had a very successful project to date.
Specifically, he’s done a great job:
• Breaking down the payments landscape and broadening our understanding of payment avenues
• Providing insight into current fast paths to market beyond what we would have assumed prior to engaging him
• Curated a list of potential payment providers resulting in an actionable approach list
• Solid RFP process that helped us identify top two partners while preserving optionality
• Detailed assistance with financial modeling as we have a CFO fairly new to the business
• Responsive, thoughtful, learned our current payments nuances quickly
• Great culture fit, good to work, with and strong sense of urgency
Mike Lamb - CEO of Clearwave
Brian has become a valuable asset to the Petvisor team during the course of our engagement.
We were struggling to establish a competitive go-to-market strategy for our payments product - a key focus for us in 2023 and beyond. Brian dug into our business to truly understand our challenges, educating us along the way on the various partnership models and vendors who could meet our needs. A strategy summit with our team, run by Brian, resulted in a creative and exciting new pricing strategy. Now, we’re more energized than ever to scale our payments business. I’d recommend Brian to any software provider that wants to optimize their payments strategy.
Tim Callahan - CEO of Petvisor
Brian was instrumental in rapidly moving needles for Agreement Express.
His deep breadth of knowledge in the industry coupled with his strategic thinking helped to propel us quickly onto a successful path. Furthermore, he went above and beyond the project by digging deeper and finding some troubled areas that we were able to quickly fix on our own. I highly recommend if you are exploring anything to do with the payments industry to engage Brian immediately for best results!
David O'Brien - CEO of Agreement Express
Brian is a true thought partner for the PeakSpan team.
His expertise across payments, vertical software and healthcare is a true asset for our investment professionals and portfolio companies. We’ve integrated Brian into our team on several occasions and have also valued his direct engagement across our portfolio companies in the healthcare and pet health spaces where he is co-architecting our payments strategy. Brian is always engaged, professional and reliable. We work with several operating advisors at PeakSpan, but when it comes to “impact players” – Brian is at the very top of our list
Jack Freeman - Partner at Peakspan
I’ve had the pleasure of working with Brian on three separate engagements with Frontier Portfolio Companies, and have been impressed with the results.
Throughout these engagements, he’s been able to swiftly and succinctly identify the key challenges facing each organization and lay out potential solutions. From there, we have been able to run efficient RFP processes to identify the best vendor partner and are now running full steam ahead on our payments initiatives. Above all, his professionalism, communication skills, and personality make our interactions with him truly enjoyable. I’d highly recommend Utopaya to any software investor interested in unlocking the payments potential within their portfolio.
Roberto Munoz - Operating Partner at Frontier Growth

Investor partner testimonials.

Here is what the investor partners we’ve worked with have to say
values

Our Values

We differentiate ourselves by promising to always act with our clients’ best interest at heart, a marked departure from the innumerable ethical gray areas found in the payments industry.
Utopaya is proud to be a founding member of the Embedded Payments Bill of Rights. As an independent consulting firm servicing the embedded payments industry,

We subscribe the eight core principles set forth in this mandate

1
Transparency
2
Quality of Care
3
Equality
4
Flexibility
5
Greater Control
6
Portability
7
Ethical Treatment
8
Freedom
member of
Utopaya is proud to be a member in good standing of the Electronic Transaction Association (ETA), where Brian participates on both the Payment Facilitation and Retail Technology committees.