Andy has spent the last four decades in the payment processing industry. Before Cliq, he built and operated several other payment processing companies, beginning in 1982 with the purchase a check-recovery business called CheckRite.

 

This was followed by the founding of a company called Integrated Transaction Services (a full-service processing ISO that specialized in electronic benefits transfers). Andy's expertise led him to develop his third enterprise, Payment Resources International, where he created some of the industry’s top processing technologies at the time. 1999 - 2002 included Transaction Central™, a web-based credit card and ACH terminal that featured all the functionality of an electronic countertop terminal. In 2007, Phillips founded CardFlex, Inc. d/b/a Cliq.

 

Cliq is a leading provider of innovative prepaid card solutions and merchant processing services. Cliq has leveraged its expertise in the payments ecosystem to develop a new business model that supports both business and consumer markets, as it taps into complementary Acquiring and Issuing payment verticals and has seen consistent growth since.

Andy served on the Board of Directors of Pacific Mercantile Bank (symbol PMBC) from January 2007 – June 2014.

 

Each step has been an essential building block that helped formulate his vision for a better way to grow personally and serve his clients professionally.

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Early on, Andy realized that a company should not just focus on helping businesses complete a transaction at the point of sale – it should also provide the tools, training, and support to help them secure that transaction in the first place.

 

Andy channeled that focus into the Cliq approach to merchant processing services and once he knew what he wanted, he recruited his top managers from his previous companies, industry experts and technologists to turn that vision into a reality.

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Andy's forward-thinking approach to business along with his commitment to family and community have helped him translate his success into a unique and proven blueprint for others to follow.