Origin Story

Committed to each other, and to the merchants we serve, the KIS Payments team believes in doing what is right for the customer—all the time.

It’s this foundational value that has attracted top agents to our team and encouraged merchants from all across Canada to enjoy the benefits of switching to KIS Payments.

The KIS Payments Team

KIS Payments was formed when a few colleagues working in the payment processing industry—Michael, Jenn and Rick—recognized that Canadian merchants were being overcharged and under-serviced. Businesses were demanding simple payments and clear value in their payment processing, and so that’s what the KIS Payments founders set out to deliver!

Rick Owen

Co-founder, CEO

Rick has been involved in the Canadian payment processing industry for years, and has been a lifelong crusader for small businesses. He has both owned businesses (from publishing to construction companies), and also provided consultation to entrepreneurs on the basics of owning your own business. His experience on both sides of this coin, not only exposed him to the need for merchants to understand what exactly they’re paying for, but also how Merchant Processors capitalize on the confusion of merchants. This confusion often leads to thousands of dollars wasted annually. With unprecedented levels of client retention, he has been a top sales producer in the Merchant Processor industry. Rick, along with his wife, Heather, and family, enjoy life on Vancouver Island, BC.

Rob Larsen

COO, Marketing Director

Rob has spent over 20 years as a SME Business Consultant, helping a number of businesses launch and grow. His time has been spent in management, administration and marketing, getting his Bachelor’s Degree in Business Management, with a focus on marketing, in 1999. Rob sees small and medium businesses as the backbone of our communities, and loves to help them succeed using the philosophy of “Work Smart, and Hard”. Rob brings a wealth of management experience, from VP to CEO positions, as well as marketing in the high tech sector, education, advertising and business to business fields.

Marc Lapointe

VP of Sales and Partnerships

As National Sales Manager, Marc focuses on growing our client portfolio across Canada. Working with our sales team and our partners Marc is constantly looking for the best solutions and new technology to assist our customers. Spending nearly a decade in the Loyalty Retention Marketing business, Gift Card Industry and over 15 years in the automotive industry has given Marc a unique perspective on marketing and business development. He loves working with our diverse clients across various industries, meeting and helping business owners throughout Canada every single day allows Marc to keep learning and growing.

Marc holds a Bachelor of Business Administration with a concentration in Automotive Management from the Automotive Business School of Canada at Georgian College and a Masters of Business Administration (Honours) with a concentration in Management from Northwood University at their Montreux, Switzerland campus. Marc is also fully bilingual in English and Français.

Michael Spetko

Co-founder, VP of Business Development

Michael dedicates his talents to the outside playing field, where he coordinates and supports the KIS Payments team in all aspects of augmenting business and facilitating customer satisfaction. He spent over 35 years operating within corporate North America, working with top brands as a facilitator and senior manager. Michael’s primary focus now is bringing transparency to the credit and debit card industry, where he advocates the FACA and saves KIS Payments merchants thousands in annual revenue.

Jennifer Belik

Co-founder, Director of Administration

Jennifer has been working in the Merchant Services industry for 5 years, helping business owners to evaluate their processing. She enjoys working with KIS clients to ensure they’re using the best solution based on how they want, and need, to accept card payments. Her goal is to reduce the frustration business owner’s experience when dealing with their processing; she does this by understanding what they’re paying for and providing them with an advocate when needed. In addition, Jennifer and her husband have 4 children who keep them on their toes. She has a Bachelor of Business Administration degree with a Concentration in Finance and a minor in Accounting.

Heather Makus


Heather spent close to 20 years as the Promotions and Community Relations Coordinator for The Vancouver Island Crisis Society. During her time as a supervisor there, she became a graduate of the Leadership BC Program sponsored by the Nanaimo Chamber of Commerce. Prior to that, she was a partner in her own successful newspaper business, where she was recognized by the Athena “Women In Business” Awards as a finalist. Heather brings her many years of communication skills, customer service and business experience, to her role as Comptroller with KIS Payments.

We believe that every client...

Deserves to have their own Personal Payment Advisor.

Should only be charged based on a fully transparent interchange-plus pricing model.

Shouldn’t have to endure price increases for the processing of credit card payments.

Deserves to have up-to-date terminals, industry-leading technology, and other options that best fit their business.

Shouldn’t be tied down by obligations that could potentially hurt them and their business, such as cancellation fees.

Eliminate the hasslein payment processing.

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