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A payments partner that stays in your corner
We place high-risk and retail merchants with the right banks and processors — and we’re measured by how long our merchants stay, not how fast we sign them.
The people in your corner
A small, senior team that knows high-risk payments inside out — and answers when you call.
David Guest
Founder & CEO
David Guest, BA and MBA from McGill University. Founder of CCPS Inc. David is a seasoned senior executive delivering merchant accounts in the payment industry for over 20 years. His skill set focuses heavily on customer acquisition, merchant account brokerage, e-commerce solutions, and business development within the payment industry. David previously managed merchant accounts at several organizations including banks where he built lifelong relationships that get his merchants approved today.
David is an active Member/Donor of the ASPCA. David is a dog lover and whisperer who also enjoys traveling, making relationships, and martial arts.
Andrew Stevens
Senior Account Executive
Andrew is Senior Account Executive at CCPS Inc. Andrew has been specializing in high risk credit card transaction processing and services for over 15 years, specifically securing hard to place merchant accounts for e-commerce, mail order, telephone order (MOTO) and card not present.
His expertise is evaluating risk profiles, managing underwriting, compliance, analyzing gateways, processing costs, reserves, and aiding on chargeback mitigation.
Andrew’s priority is to get every merchant approved and running quickly. Once onboarded, he strives to anticipate the needs of every merchant, always working with them for whatever is required, and ensuring a great customer experience is paramount for him.
Andrew enjoys traveling with his family and is an avid fan of Football.
Sonia Fessy
Sales Team Lead
Sonia Fessy is Sales Team Lead at CCPS for over 10 years, Sonia also works directly with the CEO and Senior Management including department leaders, with communication, corporate culture, corporate operations for new projects.
She also overviews Merchant approvals and deployments including applications. Sonia has a degree in Marketing and Business and recently has completed her paralegal certificate. A tool she uses every day to read and understand contracts between ISO banks and our Merchants. Sonia enjoys traveling to conferences, meeting current and new prospective clients and ISO’s across the world, building new relationships.
Mom of 2 boys under 5 years old, a new soccer Mom now too, she also enjoys yoga, and long walks with her amazing husband Trevor.
Deepak Singh
Systems & IT Lead
Deepak is a Software engineer from Pune, India with 12 years of experience solving complex problems across startups and the latest technologies. Deepak is passionate about data modelling, system architecture, and AI-driven product design, that results in high-impact solutions to our Merchant-ISO relationships. Currently, he is a senior Developer at CCPS where he uses these tools implementing data bases, business portals, lead generation and tech support.
Deepak thrives on solving problems, keeping things simple and likes building a one of a kind merchant relationship and experience.
Who we are
Creditcard Payment Services (CCPS) is a quality-driven provider of high-risk and retail merchant accounts. Based in Great Falls, Montana, we’ve spent years helping merchants who’ve been declined, dropped, or overcharged by mainstream processors find a stable, affordable home for their payments.
Where big banks see a category to avoid, we see a business to serve. Through relationships with multiple processors and banks, we approve over 90% of high-risk merchants — from e-commerce and subscriptions to travel, CBD, and beyond — usually within 2–3 business days.
Our promise to every merchant
Low rates
Fair, competitive pricing that doesn't creep up once you're onboarded.
Account stability
We build your account to last, with banking relationships that hold.
Long-term relationships
We want your business for years — so your success is our business.
Real, human service
A dedicated specialist who actually answers and takes care of you.
Honest guidance
Straight answers, prompt results, no games or hidden fees.
Discretion & care
Your application is handled securely and confidentially.
Backed by established banking partners
Our approvals are backed by relationships with BMO Harris Bank, Harris Bank, and Wells Fargo — so your account has the stability to keep processing, day in and day out.
Let's build a payments setup that lasts
Talk to a specialist today — no obligation.