The Opy Merchant
Advisory Council.

It’s your industry. You shape
it’s future.

Opy see a need for real change in the US payments industry, and the opportunity to work with merchants to build a truly differentiated, transparent and merchant-centric payment solution that works for everyone.

Joining our Opy Merchant Advisory Council will give you the opportunity to help shape and drive this change, creating new payment solutions that deliver increased sales, higher customer lifetime value and loyalty.

Questions about OMAC.

How do I register my interest in joining OMAC?

If you would like to register your interest, or find out more, please click here.

OMAC meetings will be held virtually for the foreseeable future. By group consensus we may choose to meet in person from time to time when circumstances permit.

Involvement would be input via one on one video calls and potentially opportunities where a broader group of participants may come together to discuss particular topics.

We are looking for payments/treasury professionals and marketing professionals.

These professionals will work in collaboration with us to create a new breed of BNPL designed by merchants, for merchants.

Applications to join OMAC will be accepted from the following sectors:

  1. Energy
  2. Consumer Discretionary
  3. Consumer Staples
  4. Healthcare – including Dental, Vision, Elective Procedures and Vet care.
  5. Information Technologies
  6. Communications Services
  7. Utilities
  8. Real Estate

There is a tectonic shift underway in the US payment ecosystem. We believe merchants and retailers deserve more control and influence over payment pricing, operational requirements, rule setting, solution design and liability.

The BNPL payment solution offers an optimal platform upon which to build a better ecosystem. Partnering with an emerging non-bank fintech, without obligation to traditional payments providers, enables merchants and retailers to shape new products that truly meet their needs and the needs of their customers.

Buy Now Pay Later (BNPL) is a fast growing, emerging payment method in the United States. This new payment solution offers both potential advantages and challenges for retailers / merchants and their customers.

Our vision is to build a true partnership with merchants and retailers, allowing them to reclaim the payments component of their relationship with their customers, and helping achieve four objectives:

  • Drive top-line sales
  • Enhance customer lifetime value
  • Optimize the cost/value of using BNPL as a ‘better than card’ payment acceptance method
  • Drive consumer loyalty

Founding OMAC Members include


John Drechny

John is CEO of the Merchant Advisory Group (MAG). As CEO, John helps MAG’s 140 plus merchant members to drive positive change and innovation in the payments industry, serving merchants’ interests through collaboration, education and advocacy. Prior to joining the MAG, John enjoyed a 20-year career at Walmart holding various leadership positions in Payments Acceptance, Marketing and Financial Services.


Troy Carrothers

Troy brings more than 25 years experience in credit, payments, and retail, with a proven record of fighting for a more equitable and transparent payments ecosystem


Mark Erhardt

Mark comes with leadership experience in consumer product management along with significant experience in consumer deposits and bank balance sheet funding. He has also chaired the Deposits and Payments Committee of the Consumer Bankers Association and sat on advisory boards with two consumer reporting agencies in the US.


Lloyd Wirshba

Lloyd brings a wide range of experience across financial services, payments and banking, customer engagement and loyalty, and most recently served on the Board of a patented AI-based platform designed for the corporate travel market.

Building the future – together.

Join the OMAC today.

Help create a better deal for both merchants and consumers by joining our Merchant Advisory Council, working together to shape the future of BNPL and drive real industry change.