Electronic Payments Consultants

Scott DeFazio

President and Managing Partner

Before co-founding ONESOURCE Business Advisors with Mr. Ayala, Mr. DeFazio held positions at established ISOs and financial institutions.  Mr. DeFazio’s unique bank expertise and pragmatic ISO background enable him to offer outside-the-box tactical strategies to clients of all sizes.

From 1998 to 2004, Mr. DeFazio held key positions at Humboldt Bank Merchant Services that included operations, accounting, risk management, and underwriting.  In 2005, Mr. DeFazio was promoted to AVP, ISO Relationship Manager where he supported over 150 nationwide sales offices. His areas of expertise included sales support, profitability strategies, residual analytics, Network rules and regulations and conducting sales trainings.

During Moneris Solutions' acquisition of HBMS, and in addition to his role as AVP, ISO Relationship Manager, Mr. DeFazio was selected as a core member of the transition, team integrating sales support functions, operations, and converting sales partners to a new CRM merchant boarding tool.

In his most recent role as Director of Business Development at Platinum Choice Bancard, Mr. DeFazio was responsible for developing PCB’s in-house sales training for their partners and was extremely integral to the success of PCB’s growth initiatives via his marketing approach and strategic formation of third party relationships. Mr. DeFazio is a member of the Electronic Transactions Associations Technology, ISO Partners, and Risk, Fraud & Security councils.

Xavier Ayala

CEO and Managing Partner
Mr. Ayala has decades of experience in the financial services industry and also serves as President-Emeritus of the Western States Acquirers Association, a former member of the ISO&Agent Advisory Board, and is a former member and instructor for the Electronic Transaction Association.  Before co-founding ONESOURCE Business Advisors, Mr. Ayala held various senior level executive positions that include; EVP, Business Development at Global Electronic Technology, Inc., VP, Director of National Sales and Marketing at Moneris Solutions, Inc., VP, Sales and Marketing at 1st National Bank of Nevada and Arizona and VP, Sales and Marketing at Humboldt Bank Merchant Services (HBMS).

Mr. Ayala started his career with Humboldt Bank in 1998, where he helped manage and grow a portfolio processing over $5 billion annually and servicing over 100,000 merchants.  He was instrumental in guiding the division to become the single most profitable division of Humboldt Bank.

In 2003, Humboldt Bank sold their portfolio to 1st National Bank of Nevada and Arizona.  Mr. Ayala led the division through the transition and remained instrumental within HBMS throughout the company’s term as a separate division.  In each of the 5 years as a standalone company, HBMS recorded record year-over-year earnings.

Moneris Solutions, Inc. acquired Humboldt Merchant Services in 2008, a top ten global processor serving over 450,000 merchants across North America, Mr. Ayala helped fuel Moneris’s national sales efforts and growth up to 2013.  A bilingual Spanish speaker, Mr. Ayala received a Bachelor of Science degree in Management from Humboldt State University.


ONESOURCE Business AdvisorS, LLC


(707) 445-5401