Ken Musante is a seasoned payments industry expert with over three decades of experience spanning financial institutions, payment processors, and consulting services. His journey began with foundational roles in issuing and acquiring operations at Wells Fargo Bank, where he honed his expertise in cultivating large ISO sponsorships and managing a branded merchant portfolio for the bank.

In 1993, Ken founded Humboldt Merchant Services (HMS), establishing it as a leader in merchant processing. Under his direction, HMS grew rapidly, becoming a trusted partner for ISOs and merchants. When Moneris Solutions acquired HMS in 2008, Ken was retained as an Executive, where he led integration initiatives and spearheaded sales growth across ISO, Partner, Financial Institution, and Direct channels.

In 2010, Ken co-founded Eureka Payments, a successful sales and service ISO. At Eureka, he not only drove business growth but also extended his expertise into expert witness consulting. Ken provided testimony on complex and criminal industry-related cases for the US Department of Justice and private attorneys, solidifying his reputation as a trusted advisor in high-stakes legal matters.

Ken further advanced his career in 2018 by joining WePay, a division of Chase Bank, as the Senior Product Manager for Gateway Services. In this role, he led the certification and seamless integration of card-present terminals into the WePay ecosystem, ensuring compliance, reliability, and enhanced transaction security.

In 2021, Ken founded Napa Payments and Consulting, leveraging his extensive industry experience to provide strategic consulting, expert witness services, and streamlined payment solutions. Napa Payments empowers merchants, FinTechs, and platforms to better understand, integrate, and optimize their payment processes while reducing costs.

Ken remains committed to advancing payment technologies and providing strategic consulting to help organizations thrive in an evolving financial landscape. His vision and leadership continue to influence the payments industry, setting new standards for innovation and operational excellence.