Our Story

Committed to each other and to the merchants they 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 make the switch and enjoy the benefits.

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 KIS Payments founders set out to deliver!

Rick Owen

President / Managing Partner

Rick has been involved in the Canadian Payment Processing industry for years and has been a lifelong crusader for small business. He has both owned businesses (from publishing to construction companies), as well as consulting with entrepreneurs on the basics of owning your own business. This experience on both sides of the issue exposed him to the need for merchants to understand what exactly they are paying for, and how Merchant Processors capitalize on the confusion of merchants, often leading 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

KIS Payments Director of Marketing / General Manager, KIS Capital - President

Rob has spent over 20 years as a SME Business Consultant and has helped a number of businesses launch and grow. His time with has been spent in Management, Administration and Marketing, getting his Bachelor Degree in Business Management, with a focus on Marketing in 1999. Rob sees Small and Medium business as the backbone of our communities and loves to help them succeed with 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.

Michael Spetko

VP of Business Development / Partner

Michael dedicates his talents in the outside playing field where he coordinates and supports KIS Payments team players in all aspects of augmenting business and KIS incomparable customer satisfaction. Having spent over 35 years working within corporate North America with top brands as facilitator and senior management where his major responsibilities and accomplishments were achieved. Michael’s primary focus now is to bring the transparent change to the Credit & Debit Card Industry where he is no stranger advocating the FACA and saving KIS Payments merchants thousands in annual revenue.

Jennifer Belick

Director of Operations / Partner

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 make sure that they’re using the best solution for their needs 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 by understanding what they’re paying for and providing them with an advocate who is in their corner when needed. Jennifer and her husband have 4 children who keep 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 Marketing and Public Education Director for The Vancouver Island Crisis Society. During her time as a supervisor there she was 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.

Deserve 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; like cancellation fees.


Just Simple Payments, and Clear Value.

Contact us today and let us show you a better payment processing experience!
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