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The Green Sheet, Inc

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A Thing A Bigger Thing

Created in 2001, The Green Sheet Advisory Board is comprised of industry leaders from across the country. They head some of the payments industry's most successful enterprises from individual sales offices to large processing concerns, consultancies and equipment providers. All are innovators who give generously of their time to inspire high industry standards and further our individual and collective prosperity. They are an invaluable source of advice and insight in our mission to educate and serve ISOs and merchant level salespeople. We are proud to have them on our Advisory Board.

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Ben Abel

Ben Abel, Bank Associates Merchant Services

Regional Director

Ben Abel is Regional Director at Bank Associates Merchant Services. Since joining the team in 2006, he has risen through company ranks with a paradigm that his success was measured by the success of those around him. Ben is a dedicated, pioneering trainer whose methods of merchant services consultation have helped many agents expand their portfolios in terms of processing volume, deal count and profitability. He can be contacted at 347-866-9571 or

Articles written by Ben Abel

John Arato

John Arato, MagTek Inc.

Vice President, Business Unit Manager, Retail Products

John Arato joined MagTek Inc. in 2003 and has 20 years' experience in the payments industry. Previously, Arato spent 10 years in senior sales management positions at Hypercom Corp. He also served as a Director of Sales for American Express Co. where he helped launch the first POS terminal data capture product, The Express 3000. It was installed at over 35,000 merchant locations in the United States.

Adam Atlas

Adam Atlas, Attorney at Law

Adam Atlas is an attorney with extensive payments industry expertise. A member of the Bars of New York state and Quebec, Canada, he assists agents, ISOs and processors throughout the United States. Atlas advises clients on agent and ISO agreements, buyouts, financing, portfolio transfers, breaches of agreements, and business strategies. His clients are primarily in merchant acquiring and other payment processing businesses.

To see an introductory video about Atlas' business, click here: Welcome video.

Articles written by Adam Atlas

Clinton Baller

Clinton Baller, PayNet Merchant Services Inc.

John H. Beebe

John H. Beebe, Celestial Payments and SBA Lending Group


John H. Beebe, is a founding member of The Green Sheet Advisory Board and early contributor to the publication. He is currently President and CEO of Celestial Payments and SBA Lending Group. In addition, he holds a Crisis Management position as a U.S. Coast Guard Liaison Officer to the Emergency Operations Center. Previously, John founded Global eTelecom (GETI) where, as Chairman and CEO, he led the company from a single person startup to an enterprise processing over $1 billion annually for more than 38,000 merchants.

Matt Bruno

Matt Bruno, Payment Logistics Limited

Vice President of Sales

Matt Bruno is the Vice President of Sales for San Diego-based Payment Logistics, an ISO that has focused on electronic payment technology since 2008. Matt specializes in creating new and expanding existing partnerships with independent agents, VAR partners and POS developers. He graduated from the State University of New York at Albany and currently resides in San Diego, Calif.


Mark Cerminaro, RapidAdvance

Senior Vice President of Sales & Marketing

Mark Cerminaro is the Senior Vice President of Sales & Marketing for RapidAdvance, a nationwide provider of working capital to small and midsize businesses. Mark's primary responsibilities entail managing RapidAdvance's Sales, Marketing and Business Development departments as well as identifying and executing on opportunities in the marketplace for strategic growth.

Mark has been instrumental in product development and strategic initiatives, as well as positioning RapidAdvance as a leader in the alternative financing industry. He has over 12 years' experience in the finance and financial sales industries. Prior to joining RapidAdvance, Mark was a Financial Advisor and Associate Branch Manager for Morgan Stanley.

Mark holds a B.A. from Georgetown University. He can be reached via email at

Steve Christianson

Steve Christianson, All Card Processing Inc.

President and CEO

A Co-Founder of Aamonte Inc., Steven Christianson has more than 18 years' payments industry experience. Career highlights include establishing several registered ISOs, overseeing customer service for thousands of merchant accounts and being top salesman for processor Bancard Inc. He is a founding member of the Western States Acquirers' Association and is Treasurer of its board. Also active in the Electronic Transactions Association, he recently served on its ethics committee.

Lane Conner

Lane Conner, Fuzse

Founder and CEO

Lane Conner is the Founder and CEO of Fuzse, a fintech organization which specializes in working with mobile app, custom software, and web development firms to bring more advanced solutions for easier e-commerce. The company’s technology empowers developers to create, enhance, and transform basic commerce solutions into true long-term revenue drivers for their platforms through world class gateway solutions. Conner founded Fuzse after several successful acquisitions and exits in the payment industry. Prior to Fuzse, Lane was the founding employee and Vice President of Blue Star Payment Solutions, a Jerry Jones owned entity and sister company to the Dallas Cowboys. Blue Star was acquired through private equity from Providence Equity Partners in 2015. Prior to Blue Star, Lane was an executive at First American Payment Systems and Century Payments which sold to Bain Capital and WorldPay in 2013.
Lane is a leader in the electronic payments industry, sitting on the Greensheet Advisory Board, serving on the WSAA Board of Directors, and the Vice Chair of the Member Engagement Committee for the Electronic Transaction Association. He is also very engaged in giving back in Dallas/Fort Worth, Texas. Lane is a Board Member of the SMU Mustang Club, a Board Member of Dallas based non-profit Bold Idea, a Mentor at startup incubator Tech Wildcatters, a Mentor at the SMU Emerging Leaders Program, a Mentor at the Cube – SMU, and is a Council Member and Member Engagement Committee Chair of The Mayors Star Council in Dallas.


Mark Dunn, Field Guide Enterprises LLC

Articles written by Mark Dunn


Steve Eazell, Payvida Solutions Inc.

Senior Vice President-Partner Sales

Brandes Elitch, Cross Check Inc.

Director of Partner Acquisition

Brandes Elitch, Director of Partner Acquisition for CrossCheck Inc., has been a cash management practitioner for several Fortune 500 companies, sold cash management services for major banks and served as a consultant to bankcard acquirers. A Certified Cash Manager and Accredited ACH Professional, Brandes has a Master's in Business Administration from New York University and a Juris Doctor from Santa Clara University. He can be reached at

Articles written by Brandes Elitch


Steven Feldshuh, Merchants' Choice Payment Solutions East


Steven Feldshuh, President of Merchants' Choice Payment Solutions East, has 18 years experience in sales and ISO development. Based in the heart of New York City, he devotes the bulk of his time to assisting agents in building their offices and merchant portfolios. He strongly believes in agent training, which includes role playing to overcome objections. Prior to taking a key role in developing MCPSE in 2012, he was President of Paymint Partners.

Articles written by Steven Feldshuh

Mike Fox

Mike Fox, Group ISO Merchant Services

CPP, Vice President of Sales

Mike Fox, CPP, and Vice President of Sales for Group ISO Merchant Services in Irvine, Calif., has drawn on his payments industry expertise to serve businesses large and small for almost eight years. Having learned the payments industry from the ground up after significant experience in the restaurant, customer service and project management spheres, he creates solutions for all types of merchant, ISO and agent businesses.

Among Mike's specialties are the intricacies of interchange, credit card and automated clearing house processing, level II and III processing, relationship building, agent recruitment and retention, organic growth, sales and sales management, contract review and negotiation, mobile processing, emerging technologies, and hard to place merchant accounts. Mike provides a tested, solutions-oriented approach enhanced by wisdom gained through hands-on experience. He offers a no-nonsense, open and honest processing relationship, as well as the stability, expertise and benefits only a company whose leaders boast more than 70 years' combined industry experience can provide.

Noel Fundora

Noel Fundora, Volt Merchant Solutions Inc.


Noel Fundora is President of Volt Merchant Solutions Inc.

Marc Gardner

Marc Gardner, North American Bancard

Founder, President and CEO

Marc Gardner is at the helm of North American Bancard, one of the industry's top 50 acquirers. The company is a multifaceted payment solutions provider dedicated to delivering the latest technology and the highest levels of service. NAB now processes over $3 billion in transactions annually. Gardner employs over 150 people at his corporate office and works with 700 active independent agents throughout the country.

Darrin Ginsberg, Super G Funding LLC

Chief Executive Officer

Darrin Ginsberg began his career in the bankcard industry in 1989 when the ISO industry was in its infancy. He started out as a one man operation, working from his garage to become one of the country's largest ISOs doing in excess of 4,000 new accounts per month. Darrin has built and sold several very successful ISOs over his 20-year career in the bankcard industry.

In addition to building ISOs thru organic sales growth, Darrin has purchased more than 50 portfolios and several companies. He has spent the last two years building Super G Funding and making loans to ISOs to help them grow their businesses. He is also a serial entrepreneur who owns several other payment processing-related companies, including a bill payment platform, and is an angel investor in several nonpayment-related companies (

Darrin lives in Corona del Mar, Calif., with his wife, Sharon, and two daughters, Shaye and Matea.

Matt Golis, Yapstone

Ben Goretsky, USAePay

Chief Executive Officer

Ben Goretsky is the Chief Executive Officer and head of IT Development at USA ePay. He has been working with his brother Alex since they started the company in 1998. E-mail him at or call him at 866-872-3729, ext. 350.

Articles written by Ben Goretsky

Maurice Griefer, Maverick BankCard Inc.

Chief Revenue Officer

Maurice Griefer is the Chief Revenue Officer at Maverick BankCard Inc., an ISO based in Los Angeles. His father started in the bankcard industry in 2000 and has since founded two successful ISOs, which include several bank sponsorships and acquisitions. Since joining his father and brother in the Maverick BankCard team, he has been able to learn and experience the ins and outs of building a nationwide ISO program. Today, he works with sales, marketing and operations to ensure revenue growth and client satisfaction. His primary responsibilities include statement analysis/RFPs, growing the company's sales channels, and general portfolio management and analysis. He graduated from the University of Southern California with a B.A. in Economics, and he's an avid surfer.


Curt Hensley, Impact Payments Recruiting

Articles written by Curt Hensley

Charles Hogan

Charles Hogan, Tranzlogic


Charles Hogan, Tranzlogic co-founder and CEO,has 15 years of experience in the financial services and payment processing industries. He was the founder and CEO of Radius Financial Inc., and before Radius, he served as Executive Vice President of CKC Holdings, where he led acquisitions and business development. Charles also managed CKC's financial and organizational restructuring and negotiated contracts with key banks, vendors and partners. Prior to CKC, he served for four years as President and CEO of Direct Merchant Service Inc., one of Humboldt Bank's largest independent sales organizations. He serves on the Electronic Transaction Association Strategic Leadership Forum Planning Committee, is a member of the Lloyd Greif Center for Entrepreneurial Studies and serves on the Board of Trustees at Children's Bureau. Charles holds an MBA from the University of Southern California, Marshall School of Business.

Rod Hometh, RPY Innovations

Rod is a co-founder and partner of RPY Innovations, a leading consulting firm serving the payments industry in the US and internationally. He has managed sales, service and operational organizations for companies such as TeleCheck, British Telecom, CyberCash, Apriva and Hypercom in both the United States and internationally. For five years he led Ingenico’s Strategic Development group in the United States, creating successful initiatives to enter the healthcare payments and self-service segments. Rod regularly speaks at payments events and has been interviewed as an industry thought leader on Bloomberg’s Market Makers television program.


Jared Isaacman, United Bank Card Inc.


Jared Isaacman is the founder and CEO of United Bank Card Inc. Under Isaacman's leadership, UBC has realized many impressive achievements, including being ranked the 32nd largest processor, by volume, by the Nilson Report and becoming the 19th fastest growing private company in the United States in 2005. Dedicated to innovation, Isaacman strives to keep his company at the forefront of technology.

Articles written by Jared Isaacman


Lazaros Kalemis, Alpha Card Services Inc.

Dee Karawadra, Impact PaySystem

Articles written by Dee Karawadra

Alan Kleinman, Meritus Payments

Co-founder & Principal of Meritus Payment Solutions

Meritus Payment Solutions is the innovative leader in advanced global transaction processing for optimal business productivity. The company offers versatile, state-of-the-art payment strategies that businesses need to compete in today's rapidly evolving marketplace. Its people, technology, and breadth of products and services are some of the company's key differentiating factors.

Alan brings 15 years of financial service experience to the advisory board. Prior to entering the payments industry, he spent a number of years in venture capital and merchant banking. His broad experience and global insight will continue to lead the company in introducing new products to enhance the sales team's productivity and profitability. Alan serves as a Board Member and Advisor for several organizations including the UCLA Anderson School of Management, where he is an Alumni Board Member.

Articles written by Alan Kleinman

Allen Kopelman, Nationwide Payment Systems Inc.

Allen has been working in the merchant services industry since 1998 and started NPS in 2001. Our Newest venture - is a platform to make native apps for itunes and google play for businesses and lifestyle apps.

For more info contact Allen Kopelman - or


Gregory A. Leos, Global Collect

General Manager of North America

Gregory A. Leos has over 20 years of experience in the electronic payments and data security industry. He has worked in an executive capacity for many of the largest merchant acquirers and banks in the world. Currently, Leos is General Manager, North America for Global Collect (, a global e-commerce transaction processing company that is headquartered in Amsterdam with U.S. offices in San Francisco. He is responsible for all aspects related to the company's North American operations.

Dan Lewis, AmeriBanc National Ltd.

Anthony Lucatuorto, Sphere

Chief Sales Officer, SMB


Justin Milmeister, Elite Merchant Solutions


Justin Milmeister is the President and founder of Elite Merchant Solutions, which has been honored three years in a row by Inc. magazine as one of the top 500 fastest-growing privately held companies in the nation. He is also a member of The Green Sheet Advisory Board. Justin can be reached at, and more information on Elite Merchant Solutions can be found at

Articles written by Justin Milmeister

Timothy Munto

Timothy Munto, TSYS Acquiring Solutions

Group Executive, Sales and Client Relationships

As a sales expert for the payments and banking industries, Timothy Munto brings more than two decades of experience to TSYS Acquiring Solutions. A proven leader and market specialist, he offers a distinguished background in sales and client relationship management with a track record for success in a wide variety of market verticals, including retail, petroleum, quick service restaurants, travel and entertainment. His expertise in joint venture support and integration is a tremendous asset to TSYS Acquiring Solutions.

Munto most recently served as Senior Vice President and Sales Executive for Bank of America Merchant Services where he was responsible for delivering millions of dollars in sales. Prior to his time at Bank of America, Munto spent five years as Senior Vice President of Merchant Services for National Processing Co.; he also served as Senior Vice President and General Manager of National Sales at NPC. Known for his keen relationship management skills, clients can see and feel the high value Munto places on every personal interaction.

Munto holds a Master's of Business Administration from the University of Dayton and a Bachelor of Science degree in business administration from Wright State University.

Patti Murphy, Proscribes Inc.

Articles written by Patti Murphy


Michael Nardy, Electronic Payments Inc. (EPI)

Steve Norell, US Merchant Services


Articles written by Steve Norell

Steven Peisner

Steven Peisner, Acquiring Solutions International

Vice President

Steven Peisner, Vice President of Acquiring Solutions International is a veteran of the bankcard industry and a true bankcard professional with more than 28 years industry experience in sales, marketing, and operational management for some of the most successful Independent Sales Organizations in the industry, including Peachtree Bancard Corporation, Cardservice International, and E-Commerce Exchange.

Peisner is well versed on the rules and regulations set forth by the card companies for merchants and ISO's and has been hired as an expert consultant and expert witness due to his knowledge of the ISO industry. As an agent Peisner specializes in merchant processing solutions for all types of Card-not-Present and Business-to-Business industries including 501c3 Nonprofit Organizations, Internet Retailers, Continuity Merchants, Internet Gun Dealers, Large Ticket, and Adult merchants.

Peisner has served industry related organizations including the ETA's Fraud & Risk and Government Relations Committees, the Greeen Sheet Advisory Board, and is a member of the International Association of Financial Crimes Investigators.

Articles written by Steven Peisner

Heather Petersen

Heather Petersen, National Merchants Association

CEO and founder

As CEO and founder, Heather Petersen created National Merchants Association in 2004 as an advocacy group for small and medium-sized business owners. With more than 12 years of experience, Petersen is renowned as the bankcard expert specializing in high risk credit card processing.

Recently, Petersen was involved with the development of the Electronic Transactions Association (ETA)’s Guidelines on Merchant and ISO Underwriting and Risk Monitoring. She is Chair of the ETA’s Professional Development Council, on the Board of the ETA’s Political Action Committee, and is a founding member of the Southern California chapter of the Women’s Network in Electronic Transactions (, a group dedicated to the advancement and empowerment of women in the payments industry.

A cum laude graduate of Miami University with a bachelor of arts in English and a minor in marketing, Petersen has proven to be an excellent leader in sales as well as an engaging public speaker and motivator.

Articles written by Heather Petersen

Daria Rippingale

Daria Rippingale, BillPro


As Chief Executive Officer since 2012 of one of Australia’s leading merchant processing specialists, Daria oversees a multimillion-dollar enterprise with operations now extending across five continents. Drawing on her extensive experience in online business and website monetization, Daria has built a network of international banks and acquiring partners. In her previous role as BillPro’s Sales and Marketing Director, Daria’s network development program grew the company’s overall merchant base by over 400 percent in three years.


Peter Scharnell, Paya

Director, Product Management

Peter Scharnell is Director of Product Management for Paya, a leading provider of payments technology products and services. Peter has over a decade of experience in the payments space with technology companies like Cayan, Verifone and NCR. He is a Technology Committee member on the Electronic Transactions Association and an active participant on several payments technology advisory boards.

Jeffrey I Shavitz

Jeffrey I Shavitz, LexCharge LLC

CEO and co-founder

Jeff Shavitz is the CEO and co-founder of LexCharge. He has worked in the payments industry since 2002 when he co-founded Charge Card Systems Inc., a national credit card processing company. In 2012, he sold CCS to Card Connect, owned by FTV Capital, a private equity firm rolling up merchant processing companies in the space.

In addition, Jeff started Alternative Merchant Processing Inc., a company devoted to working with high-risk merchants, and Charge Card Funding, which focused on providing working capital and cash advances to merchants nationally.

Jeff has published three books: Size Doesn't Matter ‒ Why Small Business is Big Business; Small Business Aha Messages; and The Power of Residual Income – You Can Bank on It! He can be contacted at 800-878-4100 or; his websites are and

Articles written by Jeffrey I Shavitz

Rick Slifka, Exec-Links

President & CEO

Rick Slifka began his career in the recruiting search industry in 1981 when he joined one of the country's leading national recruiting organizations. Since then, he has recruited hundreds of talented individuals for a variety of positions for Fortune 1000 companies, regional businesses and entrepreneurial firms.

Rich has strong relationships with many of the bankcard industry's prominent leaders. He launched Exec-Links in 2002 and continues to specialize in the payments industry. A high-energy, focused and passionate consultant, Rick has a reputation for quickly determining the ideal cultural fit; no matter the degree of difficulty, he continues to consistently identify best-in-class talent.

Rick's commitment to quality, cost-effective service, cooperation and confidentiality has ensured Exec-Linc's ongoing success. A boutique firm with select clients, Exec-Links has established a network of other boutique firms around the United States. They all target the payment processing space.

Rick also served for six years as Director - Sales and Membership Marketing with the PGA Tour.

Steve Sotis, eProcessing Network LLC.

President and Founder

Steve Sotis, President and Founder of eProcessing Network LLC., brings over 20 years of leadership and experience to the payment processing industry. Steve began his career as a Software Developer at System Development Inc. and, through ingenuity and hard work, advanced to the position of Senior Software Developer in tandem with earning his master's degree and starting a family. In 1996, Steve had the foresight and saw a need within the transaction processing industry to offer small to mid-sized merchants a secure e-commerce solution that was not only easy to manage but also cost effective. From this concept, eProcessing Network (ePN) - a software development company specializing in secure, real-time transaction processing services, solutions and support - was founded.

Today, the eProcessing Network Payment Gateway processes transactions using each merchant's own merchant account. Headquartered in Houston, Texas, ePN is certified to process a comprehensive suite of electronic payment transactions through all major credit card, check/ACH, and gift card/loyalty processors, and sells its services and products exclusively through the ISO sales channel. eProcessing Network is a registered Visa USA Third-Party Service Provider and is compliant with the Payment Card Industry Data Security Standard.


Cliff Teston, CKC Holdings Inc. dba Signature Card Services

Co-founder, Chief Executive Officer and President

Signature Card Services was established in 1997 by Cliff and two of his partners- Christine Bednar and Kirk Allen. Under Cliff's leadership, Signature Card Services has become an industry-leading provider of payment processing services, delivering affordable, reliable and secure payment solutions to merchants worldwide.

Prior to forming CKC, Cliff worked at Electronic Card Systems Inc. as Vice President of Sales. At ECS his responsibilities included business development and client retention as well as acting as a bank liaison for both National Bank of the Redwoods (now Westamerica Bank) and Humboldt Bank. During Cliff's tenure with ECS, ECS' parent company RJ Gordon & Co. was recognized by Inc. Magazine as one of the fastest growing private companies in the United States, primarily because of the growth of ECS.

From 1991 to 1994, Cliff worked for the corporate offices of Integrated Holdings International in Los Angeles as a Director of Marketing. He also attended Arapahoe Community College in Littleton, Colo.

Articles written by Cliff Teston

Jeff Thorness

Jeff Thorness, Forte Payment Systems


Jeff Thorness is the founder and Chief Executive Officer of Forte Payment Systems. He engineered Forte from the ground up as a technology company focused on providing payment solutions to both merchants and developers. Tackling the industry head-on, he bootstrapped the business, carefully crafting a single source payment solution and its comprehensive suite of relevant products and services. Forte now provides payment processing services to over 27,000 merchants and processed over $16 billion in web, retail and mobile payments last year alone.

Sam Zietz

Sam Zietz, American Bancard


Sam Zietz is the founder and Chief Executive Officer of TouchSuite and all of its affiliates since inception. His company has appeared on the Inc 500 list of fastest growing companies four years in a row and has twice been named the fastest growing company in South Florida by the South Florida Business Journal. He is also an active angel investor with a number of investments under management.

Prior to entering the merchant processing industry, Zietz was a corporate attorney specializing in Structured Finance with the New York based law firm Skadden, Arps, Slate, Meagher and Flom LLP. Prior to Skadden, he worked in the Business Tax Planning Department at PricewaterhouseCoopers.

Zietz earned a LLM in Taxation from New York University School of Law, and went on to receive his JD from St. Thomas University School of Law in Miami, Fla., where he graduated first in his class. He earned his Bachelor of Science degree from the University of Michigan. Zietz is on the Executive Board of the Palm Beach chapter of the Young Presidents Organization and is on the Executive Board of the South Florida chapter of the Entrepreneur's Organization.

Spotlight Innovators:

North American Bancard | USAePay | Impact Paysystem | Aliaswire