Your Partner in Payment Solutions
At Citadel Merchant Group, we go beyond payment processing. With over 100 years of combined experience, our veteran- and first responder-owned team delivers personalized support and AI-powered solutions. We use cutting-edge technology to streamline payments, enhance fraud detection, and provide predictive insights, ensuring your business grows securely and efficiently. Transparent pricing, scalable solutions, and a commitment to your success.
We’re here to redefine payments.
Our Services
Proudly Serving Those Who Serve
We honor veteran- and first responder-owned businesses with payment solutions that are fast, secure, and built on trust. From mobile to in-store processing, we offer seamless technology, competitive rates, and dedicated support—so you can run your business with the same integrity you bring to your service.
Whether you're navigating regulatory complexities, looking for a reliable domestic payment solution, or simply seeking a partner who puts your mission first, we’re here.
Citadel Merchant Group: Not just another payment company. A community. A family. A first line of defense for your future.
Secure Payment Processing
As a trusted leader in global payments, we provide secure, scalable, and fully compliant payment solutions designed to support your growth—no matter your industry. Our systems are independently audited and reinforced by sponsor banks with decades of experience navigating complex, high-risk markets.
We go beyond basic compliance. Our advanced fraud prevention, encryption protocols, and real-time monitoring ensure every transaction is protected from start to finish. Whether you're operating locally or globally, our technology safeguards your business and your customers—building trust, fostering loyalty, and positioning you for long-term success.
Customized Support
Experience personalized support from our dedicated team at Citadel Merchant Group, committed to understanding and addressing your unique payment needs. We take the time to get to know your business inside and out, ensuring tailored solutions that not only meet but anticipate your requirements. Our support goes beyond just answering questions—we offer proactive guidance and expert insights to help you navigate industry challenges with confidence. With our responsive service, you're never left in the dark. We prioritize your growth and success, providing peace of mind knowing that we’re always here to ensure your payment processes run smoothly, efficiently, and securely. No matter the challenge, we're here to support you every step of the way.
Smarter, Safer Payment Processing with AI
Experience fast, secure, and effortless transactions with our AI-powered payment solutions. Whether you're a small business or a growing enterprise, our technology adapts to your needs—minimizing friction and maximizing peace of mind.
✓ Real-Time Fraud Detection – Advanced AI algorithms monitor every transaction, identifying suspicious activity before it becomes a problem.
✓ Faster Checkouts – Reduce cart abandonment with intelligent payment flows that learn from user behavior.
✓ Adaptive Security – Our system continuously evolves to stay ahead of emerging threats, ensuring your data and your customers are always protected.
✓ Personalized Experiences – Tailor payment journeys to your customers with smart insights and dynamic optimization.
✓ Seamless Integration – Easily connect with your existing platforms and start accepting payments in minutes.
Let AI do the heavy lifting—so you can focus on growing your business.
High-Risk Payment Solutions
At Citadel Merchant Group, we specialize in providing high-risk merchant accounts tailored to industries facing unique challenges. Instead of playing games with other companies that offer generic solutions, we deliver customized services that address the specific needs of high-risk sectors. Our solutions are designed to mitigate risks such as fraud, chargebacks, and regulatory complexities, ensuring secure and seamless payment processing. Whether you're in sectors like adult entertainment, CBD, gaming, or travel, we offer the expertise and tools to help your business thrive. With Citadel Merchant Group, you can focus on growth, knowing that your transactions are secure, compliant, and optimized for success.
Merchant Accounts for Startups
Kickstart your business with ease using our hassle-free merchant accounts, designed specifically for startups. At Citadel Merchant Group, we understand the unique challenges of launching a new business, and we’re here to make payment processing one less thing to worry about. Our seamless onboarding process ensures that you can quickly start accepting payments without the stress of complicated setup procedures. With our tailored solutions, you can focus on what you do best—growing your business—while we handle the technical aspects. Let us help you lay a solid foundation for your success from day one.
Team
Brett Hunt
Chief Executive Officer
Brett is a decorated military veteran and former first responder with over 30 years of leadership experience across banking, technology, digital media, and film production. He brings deep expertise in delivering hardware and software solutions, developing high-impact marketing campaigns, and driving business growth through strategic sales and client relationships. Known for his forward-thinking mindset and ability to build strong, lasting partnerships.
Brett has a proven track record of transforming organizations, improving customer satisfaction, and leading high-performing teams. His blend of technical insight, operational leadership, and people-centric management makes him uniquely equipped to drive success in today’s competitive business landscape.
Brett Holds a BA - Business from University of Maryland BA - Homeland Security American Military University.
Masters in Emergency Disaster Management & Homeland Security from American Military University.
Brett received Marquis Who's Who in Business in 2022.
Tina Sepulveda
Chief Operations Officer
Tina Sepulveda is a seasoned executive with over 27 years of experience in the payments industry, specializing in business development, sales leadership, and operational efficiency. With a proven track record of driving revenue growth and building high-performing teams, she has contributed to startups, super ISOs, acquirers, and Fortune 500 companies. As the founder of High Profile Payments, Tina achieved 36X portfolio growth before successfully exiting the business. Her expertise in strategic planning, market analysis, and process optimization positions her as a dynamic leader ready to propel innovative ventures forward.
Debbie Hunt
Chief Financial Officer
Debbie Hunt is a dynamic financial and operational executive with a proven track record in managing complex, multi-faceted business environments. With a career that spans entrepreneurship, healthcare administration, and human resources, Debbie brings strategic financial oversight and operational efficiency to the fast-paced world of payment processing.
Debbie successfully launched and ran her own dog show accessories business, giving her hands-on experience with budgeting, cash flow management, and vendor relations. She later transitioned into a pivotal role at DaVinci Physical Therapy, where she has overseen financial and administrative operations for four business entities while managing credentialing and compliance for over ten insurance companies.
Debbie is known for her meticulous attention to detail, strong organizational skills, and ability to navigate the intersection of finance, compliance, and human resources.
Debbie holds a Degree in Accounting from the Barnes Business School.
Bryan Gallinger
Chief Marketing Officer
Bryan Gallinger is an award-winning social impact Entrepreneur, Producer, Consultant, and Amazon Best-selling Author. Bryan has helped build over 35 successful businesses and has consulted to help develop over 100 brands - including non-profits, businesses, brands, organizations, and projects. He has produced over 200 events and has over 30 years of experience in Marketing.
Having led teams of 20+ employees, 50+ independent contractors and project managed over 50 teams, he has ample experience with business development, leadership and management. Bryan’s extensive business acumen, professionalism, people skills, calm demeanor, high EQ, humanitarian passions, and strong leadership abilities earned him his second nickname, “Business Yoda” from fellow business partners in 2015.
In 2024, Bryan received President Biden’s Lifetime Achievement Award from the White House.
Brian Baker
Chief Information Officer
Brian Baker is a seasoned financial services executive with over 20 years of experience in merchant services, business financing, and small business solutions. As a co-founder and Chief Information Officer (CIO) of Citadel Merchant Group, he helps lead a comprehensive business services firm that provides credit card processing, equipment financing, payroll, tax incentives, and digital marketing solutions. With a track record of building high-performance sales teams and delivering award-winning customer service, Brian brings proven leadership and deep industry expertise to every client engagement.
Jesse Torrero
Chief Public Information Officer
Jesse Torrero brings 40+ years of experience in business, real estate, and finance to the payment processing industry. As a licensed broker and loan specialist, he has closed thousands of transactions involving private, hard money, SBA, and non-traditional financing. A former owner of three real estate offices and developer of 43 homes, Jesse’s deep knowledge of financial systems and deal flow translates directly to the evolving needs of modern payment platforms.
A veteran media personality, Jesse hosted The Jesse T Show, earning over 12M certified views. He’s also a SAG-AFTRA actor, public speaker, and digital media strategist.
His father was a decorated Korean War veteran, shaping Jesse’s lifelong commitment to service, ethics, and impact.
Jesse holds a B.A. in Business and Communications from California State University, Northridge, and a law degree from the University of La Verne.
Jesse is Director of the Coalition Against Human Trafficking (C.A.H.T.) and a former LA City Council Member (CD6).
Empowering your success with integrity and trust.
Join our family today!
Frequently Asked Questions
How does the "Pay You for Your Merchant Account" program work?
Our "Pay You for Your Merchant Account" program rewards businesses for switching to Citadel Merchant Group. When you sign up and start processing payments with us, you may be eligible for a cash bonus or monthly rebate based on your processing volume. It’s our way of showing appreciation for choosing us. Terms and eligibility requirements apply, and a brief account review is required to determine your qualification.
First Responder & Veteran-Owned Businesses
Citadel Merchant Group proudly supports a wide range of first responder- and veteran-owned businesses. This includes service-based businesses, retail shops, restaurants, e-commerce operations, fitness centers, consulting firms, and more. We are committed to providing flexible, reliable payment processing solutions tailored to the unique needs and missions of those who have served our communities and country.
What types of businesses does Citadel Merchant Group support with its payment processing services?
Citadel Merchant Group provides tailored payment processing solutions for a wide variety of industries, including enterprise businesses, small businesses, restaurants, retail stores, e-commerce platforms, and more. Whether you operate a single location or manage multiple sites, we customize our services to fit your unique business needs.
How does Citadel Merchant Group use AI in its payment processing solutions?
Our AI payment technology leverages advanced algorithms to optimize transaction processing, minimize fraud risk, and enhance the overall customer experience. This ensures faster, more secure payments and allows businesses to operate with greater confidence and efficiency.
Does Citadel Merchant Group offer payment processing for high-risk businesses?
Yes, Citadel Merchant Group specializes in providing secure and efficient payment solutions for high-risk businesses. We offer customized support, advanced AI-driven technology, and compliance assistance to help you manage risk, maintain security, and ensure seamless transaction processing tailored to your industry’s unique challenges.
How do I get started with Citadel Merchant Group’s payment processing services?
Getting started is simple. Just contact us through our website or speak directly with one of our payment specialists. We'll guide you through a quick consultation to understand your business needs, review your current setup, and recommend a tailored solution. From there, we’ll assist with onboarding, integration, and ongoing support to ensure a smooth transition.
Gallery
Empowering Your Payment Solutions
FAIL YOUR WAY TO SUCCESS | What Walt Disney, Edison & Credit Card Processing Have in Common 🇺🇸
Failure is part of the journey—but still using cash-only in 2025? Now that’s just bad business. 😅
In this VLOG, we take a hilarious ride through the epic failures of history’s greatest legends—Walt Disney, J.K. Rowling, Thomas Edison—and tie it all back to YOUR business. Because let’s face it: If you’re not accepting credit cards yet, you’re basically rejecting success one awkward “Do you take cards?” at a time.
🔥 Citadel Merchant Group is here to fix that.
We're a veteran-owned business that helps entrepreneurs and small biz heroes modernize their payments—with fast, secure, no-nonsense credit card processing. Oh—and we’ll PAY YOU for your account. Yes, seriously.
👉 Watch now to laugh, learn, and level up.
👉 Link in description to get paid for your processing setup with Citadel Merchant Group.
👉 Support veteran-owned. Power your business the right way.
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