Welcome
Experienced and Trusted Credit Card Processing Consulting
Payments is our Business!
Payments and consulting is what we do
Payments is our Business
- We can help you obtain lower credit card processing fees without changing processors and help you without adding risk or costing you time
- 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, Banks and ISO's with integrations, certifications and strategy development and alignment
- We make hard to place merchants easy to place
Areas of Expertise
- Payment Facilitation & Integrated Payments
- Payment Gateways & Processor Selection
- Least Cost Routing & Benchmarking
- Underwriting & Risk Mitigation
- Pricing & Product Offering
- Payments Orchestration
- Card Network Rules
- Expert Testimony
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 power your eCommerce site. We can provide product and technical expertise and benchmarking to Payment Providers. We can assist merchants to lower their risk profile in order to find efficiently priced processing.
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. Throughout the Portfolio’s growth Ken was instrumental in assembling the necessary talent and contractual partners to guide the division from its infancy and through its fantastic growth.
In 2003, Humboldt Bank sold the bank owned merchant portfolio to First National Bank Holding Company. 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, merchants and platforms.