About Us

successful, David and Renee wanted to bring something different to the community that helps reach the people who need it the most. ESBCharity became that very solution. David, to this day, is humbled by the effect this program has on the community.

After tirelessly working throughout the week, David finds relaxation cruising around on his motorcycle. His favorite quote has become his inspiration in all he does, “Don’t take life too seriously, nobody gets out alive anyway.”

by the credit card industry. Knowing there needed to be a fair alternative, her and David created PFProcessing. Renee, since then, has helped hundreds of other businesses avoid the scrutiny and lies from other companies.

Renee continues to put herself second when people are in need. When the rare time to herself appears, she is stimulating her mind by piecing together puzzles, or taking a break from life by vacationing in different parts of California.

Renee will admit she is not close to perfect, and believes mistakes are tools to learn from. Her favorite quote rings true throughout her well-being, “Do or do not, there is no try.”

other businesses become efficient and save money made it a perfect fit. Throughout her years, Debbie has learned the best elements for a successful career are character and reputation. “Treat the janitor with the same respect as you treat the CEO.” With this motto ringing inside her, she has built numerous relationships with incredible people.

In the last ten years, Debbie has found comfort and relaxation in vacationing to France. She loves to relax and recharge while immersing herself in the culture. When France seems too far away, Debbie relaxes with her dogs.

possesses, it was a no brainer. No contracts, fair rates, and moral were just some of top benefits. In just three years, Mick has earned the trust of his community in Northern California.

Mick’s motto, “do something, take action” spawns off of a quote from Yogi Berra, “ When you come to a fork in the road, take it.” With this motto infused in his core, he has become successful in teaching other businesses the truth of the credit card industry.

Mick believes if you work hard, you should play harder. In his downtime he is cheering on his favorite sports teams: NY Yankees, Cleveland Cavs and Browns. He keeps his mind active by reading, or watching movies.

with her church and school, to working with World Vision and Compassion International, provided her with the experience needed to run ESBCharity.

Before moving to California for this position, Andi traveled the world with an organization Youth With A Mission (YWAM). Where, she witnessed what long term help and relationship building looks like. Andi also created a successful health and wellness company. Her favorite quote continues to transform her outlook on life, “Life is 10% of what happens to you and 90% of how you react to it.”

When Andi isn’t working hard at helping others achieve their dreams of changing the world, she spends quality time with her wonderful husband Cade VanHeel usually going hiking, or random adventures at the beach, or camping and road tripping all over the U.S.

motorcycle and broke his back. During his recovery time, he successfully built a health and Wellness Company, and a production company. He fully believes “it’s not how bad you want it, it’s about how hard you’re willing to work for it”.

Since then, Cade has fallen in love with helping others. He joined the PFProcessing team in 2012. As much as he loves making money, he loves being able to give back to the community that much more. Cade still rides, just not nearly as fast. When he isn’t on mountain bikes, or his motorcycle, he is outside hiking or camping with his wife.

Minnesota. He loves helping their dreams become a reality with the help of ESBCharity program. PFProcessing allows Chris to be a family man, teach his children the importance of selfless giving, and still pay the bills. His favorite quote gives him the reminder of why he chose to work with PFProcessing, “you will always get all that you want in life if you help enough other people get what they want.”

Chris is an active father. He has created deep relationships with his family by taking them up the cabin in northern Minnesota, coaching basketball, track, and soccer. On his downtime, he loves just hanging out with his family.

Now* Cure Autism (B.I.A.N.C.A) has been a major participant in receiving checks. Allison saw how ethical and impressive PFProcessing had been toward B.I.A.N.C.A and became part of the team. Throughout her time with PFProcessing and ESBCharity, Alison has had the opportunity to familiarize other businesses with her nonprofit she never thought would be possible.

Allison’s personality is contagious. Her favorite quote is responsible for transforming her to who she is today. “I’ve learned that people will forget what you said, what you did, but people will never forget how you made them feel.” - Maya Angelou. Allison loves to travel back to her hometown in Cherry Hill, New Jersey and brag about all the amazing things ESBCharity and PFP is doing.

dove head first. Melissa continues to learn and grow our office’s efficiency, and has become a vital part.

Volunteering her time has always been a considerable part of her life. Every Swipe Benefits Charity allows Melissa new avenues to explore in volunteering. Throughout her life, she has learned one major lesson, never pre-judge someone, because you never know what will become of them.

Andrea is the type of person who solves problems. Her favorite quote has framed her mindset in succeeding in what she sets her mind to, “Commitment means staying loyal to what you said you were going to do long after the mood you said it in has left.”

Her problem solving brain resets when she travels to visit family, long walks on the beach, or visiting Joshua Tree. Andrea believes we should enjoy what’s around us, because we miss so much when we don’t.

at PFP. Her previous corporate experience comes from working with Disney, Rogers AT&T, and Sony. She brings vitality, professionalism and a mindset of service to her work. Having delivered corporate sales, call center, sales, and customer handling skills training, as well as managed corporate events all over the United States and Canada has set her up for success.
Cheryl’s role at PFP is to create awareness about PFP’s unique capabilities to build solid Merchant-ISO relationships locally, nationally, and internationally. Her Disney foundation fits right in with PFP’s mission of Every Swipe Benefits Charity. It is her responsibility in Business Operations that we provide detailed communication as to how our team can provide products and services that will exceed merchant expectations.
A graduate of Willamette University, Cheryl completed her degree in Political Science and Speech Communication. She is an active member in her community with the Girl Scout Council of San Diego where she received the Volunteer of Excellence Award and Outstanding Troop Leader Awards and now serves on the Gold Award Committee. She has also joined the Board of Trustees with Girl’s Inc. San Diego. Cheryl and her family love to travel, find great hidden foodie hangouts, and enjoy family movie nights. In addition, she volunteers at St Michaels School, Boy Scouts, and supports the One Small Voice Foundation.

deciding she missed the Adirondacks of NY where she grew up and now lives with her family. 

Michelle has been in sales and customer service for over 20 years and joined our team by meeting the owners over a glass of wine in a restaurant in San Diego.   A few weeks later, Michelle’s husband was having problems with his processor and turned to us for help.  He became a client and Michelle became part of the Pay it Forward Joint Venture Pay and family.

In her spare time, she and her husband are Youth Group Leaders for several churches, loves to cook, and her favorite thing is a nice glass of wine at the campfire in the backyard at night stargazing.  Michelle’s philosophy in and out of business is “Be honest even if it hurts, clients will appreciate it and follow you”.

Based in the Pacific Northwest, she grew up on the East Coast. She has lived overseas (three different times!) and traveled throughout the US, Europe, and the Caribbean. She has worked for Walt Disney World, James Madison University, a medical association, an international freight forwarder, and a public school system.

Her spirit of volunteering and giving back fit perfectly with PFProcessing and ESBCharity’s values. Starting young, Tory participated in face painting at her school fun fair and fundraising and helping build a new playground at her elementary school. Over the years she has volunteered with Disney’s VoluntEars, Make a Wish Foundation, Give Kids the World, Fairfax County Public Schools Office of Substance Abuse Prevention,tutored elementary students, taught in a home school co-op, and is currently very active with the PTA at her daughter’s school.

In her free time, Tory enjoys spending time with her husband, daughter, and adopted Puerto Rican fur baby dog. They have a shared love of travel and working on home renovation projects. Tory loves Leonidas and Côte d’Or Belgian chocolate! She enjoys trying new foods – minus cilantro!

Following his service, he returned to New York, and became associated with several different firms in the financial services area including insurance, securities and real estate. In 1968, he moved his home to Palos Verdes, CA and an office in the Los Angeles area. Subsequently, he relocated home and business to the San Diego area in 1988.

He is a Rotarian since 1981 with four different clubs, and from 1996 found a home with the Del Mar-Solana Beach Sunrise Rotary Club. He has volunteered for several non-profit organizations, including the Flying Leathernecks Aviation Museum and the Convention of States Action Project. Lou is an avid golfer, has three children, three grandchildren and resides in Encinitas, CA.
As a financial planner, he created Charitable Remainder Trusts for many of the firm’s clients. He enjoys working with a similar win-win-win concept with the innovative give back program of the Every Swipe Benefits Charity Foundation.

Jeff brings over 30 years of customer-focused service to the processing His passion for supporting non-profits with Every Swipe Benefits Charity led him to Pay it Forward Processing and Joint Venture Pay.

Jeff has been involved with several local charities and has served as a volunteer and on Boards of Directors for over 14 years. He enjoys tennis, reading, travel, and local craft IPA's.

in real estate and finance. He became a client of PFProcessing when his property management company’s merchant processor held a large transaction. Shortly after the issue was resolved, his wife, Michelle joined our team. Seeing how serious PFProcessing was about offering the best products, best customer service, and giving back he decided to sell his company and join our team as well.

Doug sets time aside to spend with family and is a youth group leader. In his free time he enjoys driving his ’72 Plymouth Duster, dreaming about other muscle cars, flying RC helicopters, and building really big campfires in the Adirondacks for him and his family to enjoy.

writer while developing a variety fiction works. Upon entering the real world of business, he was repeatedly disappointed by the deceptive practices in sales. John was attracted to PFProcessing’s transparent honesty and thought to himself, “Imagine, a company that was actually established for the purpose bringing ethics to the merchant services industry!”

John is an avid Red Sox fan and enjoys playing baseball in an “old man’s league” that uses real wooden bats and steel spiked cleats. He still plays music and leads worship for his weekly bible study. He also cooks, bakes, eats well and works off the calories with high altitude hikes in his Colorado home.