Owner Profile: Anthony Holder

By Phillip Parker|March 26, 2026

CPO was created by business owners to help others avoid unethical and expensive merchant account providers. To support the continued operation of this website we sell advertising to ethical... processors who have earned top marks in pricing, support, and business practices. Some of the recommendations found on this website may be paid placements.

Background and Roles

Anthony Holder is the co-founder and Chairman of C&H Financial Services, Inc., an Illinois-based payment processing company he established in 2008 alongside Jim Costanzo. According to our review of C&H Financial Services, the company provides online payment processing services in the United States and Canada. Holder has been in the payment processing industry for over two decades, overseeing all revenue and customer operations, business development, and affinity partnerships. C&H specializes in payment acceptance including EMV and NFC credit and debit card processing, and also provides small business loans, merchant cash advances, gift and loyalty programs, ACH processing, and POS systems. The company has been recognized as a top financial services company by Inc. Magazine.

Legal, Regulatory, and Reputation Notes

We have not identified any significant legal actions, regulatory sanctions, or public ethical complaints directly involving this individual at the time of this profile’s publication. If you have information that should be considered, please contact us.

Please let us know if the photo in this profile is not of Anthony Holder.

About The Author

Phillip Parker

CPO Creator & Founder

Since 2009, I have researched over 1,000 merchant services providers and published hundreds of payment education-related articles. This work has received national recognition, and my expertise in payments is regularly sought by large media outlets such as CNN, MSN, and INC Magazine, among dozens of others.

Shortly after graduating from college, I was recruited into a sales role with a credit card processor. Only later did I realize that the so-called "training" centered on selling expensive processing agreements... layered with hidden fees and long-term contracts. In my earliest transactions, I unknowingly steered friends and family into costly arrangements after they trusted my recommendation. When I fully understood the structure of what I had been selling, I resigned immediately and committed myself to exposing those practices. That commitment became the foundation of this website.

As Has Appeared In

About Us

CardPaymentOptions.com

Established 2009

This website was launched in 2009 as a modest blog dedicated to exposing questionable marketing and pricing practices within the credit card processing industry and how they negatively impact small business owners. What began as a side project has since evolved into a widely recognized platform advocating for transparency, accountability, and ethical standards in merchant services.

Free Comparison Tool

Are You Overpaying for Processing?

Compare rates across top-rated, low-cost processors. Most businesses save 20-40% by switching.

Get Your Free Comparison

Takes less than 30 seconds

Compare Fees With

Stay informed

Staying ahead of costs is more important than ever. Get our weekly profit maximizing updates.

Includes our ebook for cutting your processing costs. Unsubscribe anytime.