Welcome
Experienced and Trusted Credit Card Processing Consulting
Payments is our Business!
Payments and consulting.... is what we do
Payments is our Business
- We provide Fractional Executive Services
- Because of our experience in both Criminal and Civil cases, we are uniquely positioned to provide you Expert Witness Consulting Testimony in order to explain complex industry cases
- We will provide RFP services to solicit and analyze processing services proposals to get you the most efficient, least costly and trusted credit card processing arrangement
- We assist FinTechs, ISV's, Payments Platforms, PayFacs, Banks and ISO's with integrations, certifications and strategy development and alignment
- We assist you to independently and efficiently run your business without the need for a consultant
Areas of Expertise
- Payment Facilitation & Integrated Payments
- Payment Gateways & Processor Selection
- Least Cost Routing & Benchmarking
- Interchange & NIPTF Optimization
- Underwriting & Risk Mitigation
- Pricing & Product Offering
- Expert Witness Testimony
- Payments Orchestration
- Fractional Executive
- Residual Analysis
- Rules Expert
- RFP
Advocating on your Behalf
- With over 30 years of industry experience spanning card issuance, bank sponsorship, terminal integration, acquiring and direct to merchant processing, we are singularly positioned and connected to advocate on your behalf in order to ensure you minimize costs and time to market.
- We can provide expert consulting to payment enable your software or assist with your operations and underwriting.
- We can provide product and technical expertise and benchmarking to Acquirers, Payment Providers and PayFacs.
- We can provide Expert Witness Testimony in payment related disputes.
Napa payments and consulting
Our Experience
Ken Musante founded Humboldt Merchant Services in 1993 after working for Wells Fargo Bank’s issuing and acquiring operations.
While working for Humboldt Bank, Ken managed a niche merchant portfolio from its infancy to an eventual size of $5 Billion annually with over 100,000 merchants. Ken effectively cultivated both large ISO sponsorship relationships and a bank owned and branded merchant portfolio.
In 2003, Ken was responsible for managing the business through the transition and remained at the helm of Humboldt Merchant Services throughout the company’s term as a separate entity.
Moneris Solutions, Inc. acquired Humboldt Merchant Services' accounts in 2008. Ken was retained as an Executive with Moneris, leading integration efforts and driving sales through the ISO, Partner, Financial Institution and Direct channels.
In March of 2010, Ken became President of a start-up ISO, Eureka Payments, LLC. Eureka Payments became a successful sales and service ISO thriving during very difficult economic times by focusing on direct to merchant strategies and painstakingly serving merchant clients. While at Eureka Payments, Ken provided consulting via expert witness testimony on complex and criminal industry related cases for the US Department of Justice and private attorneys.
After nine years as President of Eureka Payments, Ken left to serve as Sr. Product Manager for Gateway services for WePay, a Division of Chase Bank. Ken was responsible for certifying and integrating card present terminals into the WePay ecosystem. In doing so, Ken worked closely with the engineering team to build integrated and semi-integrated card present solutions for Partners, ISV's and merchants.
In 2021, Ken founded Napa Payments and Consulting to provide consulting services and assist banks, ISO's, ISV's, PayFacs, FinTechs, merchants and platforms.
