About
Compaytence represents and advocates for the merchant. We sit between eCommerce brands and the processors, gateways, and acquiring banks that decide who gets approved, what gets held, and when funds settle, with over 30 years of combined experience in eCommerce payments and compliance behind every case.
We prepare underwriting files, negotiate provider agreements, and present data-backed cases directly to decision-makers when funds stop moving. The work runs from Meridian, Idaho and Germany: U.S. market entry for global merchants, reserve casework with the major processors, and MyCompaytence, the workspace our team operates in alongside every merchant we work with.
Global footprint
Two home bases, one processor network, and merchants selling into markets we know the acquiring side of.
※ Illustrative market list — footprint detail pending sign-off
2
Offices
30+
Processor network
2,500+
Businesses supported
The team
The people who prepare the files, make the calls, and answer inside the workspace.
※ Roles current as of July 2026 — individual bios pending each member’s sign-off
Lars Funke
Managing Partner
Over 18 years in payments, including VP of Sales at a leading German payment provider and partner manager for a pan-European OEM. Advises merchants on payment infrastructure, international expansion, and processor relationships.
Michael Ramsey
Managing Partner
Two decades in payments and treasury management, including 14 years at Wells Fargo and international sales leadership at TransferMate and Reach. Leads global processing relationships and cross-border market entry.
Jake Hagerty
VP · Sales
First call for merchants sizing up a PSP setup, a frozen account, or a U.S. entry plan.
Andrea Llamas
Director · Marketing
Runs the content, campaigns, and merchant education behind everything published here.
Kristin Stüwe-Ueberle
Strategic Payments Analyst
Assembles the risk assessments and data-backed case files that go to processor decision-makers.
Trevor Johnson
Director · AI & Creative
Builds the tooling, design systems, and automation the team operates with.
Janine Otto
Europe
Supports European merchants across onboarding, compliance, and acquiring relationships.
Annalena Funke
Marketing · EU
Carries the brand into German-speaking markets alongside the EU team.