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Our Officers

Craig Lum


CEO and Co-Founder of Card Pay
Craig has over 18 years of experience in the card payments industry. Craig has used his relationships in the restaurant and lodging industry to bring two strong verticals within the Card Pay portfolio. Craig also formed a partnership alliance with PECAA, a large optometry buying group, to service and provide a relationship within the optometry industry.Craig oversees the direction of Card Pay and the continued growth of the portfolio, and the company itself.

He has used his extensive experience in partnering with companies, banks and associations to form partners that will provide growth within different verticals. Craig’s goal is to continue to build Card Pay’s growth organically with partners who can benefit from an educational, experience and relationship standard in the card payments industry.

Scott Fagan
Managing Member and Co-Founder of Card Pay
Scott has over 15 years of experience in the credit card processing industry. Scott started his entrepreneurial career during college as he founded Tri Color Ink, a successful garment company in Portland, Oregon in 1995 and later sold it to invest in Card Pay. Scott has been instrumental in the continued success of Card Pay helping the company to service over 1,200 clients throughout the United States. His marketing background and strong relationship with customers has helped Card Pay become the successful company and brand that it is today.


Card Pay is a registered ISO of Wells Fargo Bank, N.A., Concord, CA.
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