Meet the Team Behind Florida Merchant Services

20+ years of combined experience. ETA Certified. ISO of PNC & Citizens Bank.
We put faces and credentials behind every client relationship.

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Our Story

How FMS was founded and what drives us

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Every great company has a beginning. Ours started with a simple belief: small businesses deserve better.
Long before Florida Merchant Services became one of Florida’s leading independent payment processing companies, it began one conversation at a time. Doors were knocked on during the day, and evenings were spent serving merchants, solving problems, and building relationships. Every customer mattered, every opportunity was earned, and every promise was kept.
From those humble beginnings, Florida Merchant Service has grown into a …read more

Our Timeline

Key milestones in FMS history

2016 — Founded

Florida Merchant Services established in Central Florida

2019 — ETA Membership

Joined the Electronic Transactions Association

2019 — ISO Registration

Became registered ISO of PNC Bank and Citizens Bank

2026 — 8000 clients

Reached 500 active merchants across Central Florida

2026 — $500 Million+

Saved millions in junk fees for Florida businesses

The People Who Show Up For You

Every member of our team is a named, credentialed local expert — not an 800-number

Freddy Rosario

Senior Advisor
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Hector J Rodriguez

National Payment Advisor
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Katya Rivera

Florida Merchant Services
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Shamilette Rodriguez

Business Advisor
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Yanira Maldonado

Business Professional
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Jamaar Manlove

Director of Sales | Florida Merchant Services
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Rhonda Manlove

CEO & Owner | Florida Merchant Services
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Angel Benitez

Payment Advisor
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Lisa Whetstone

Senior Merchant Portfolio & Residual Analyst
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Jacqueline Hardy

Business Advsior
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Our Credentials & Industry Registrations

FMS is verified, registered, and recognized by the industry’s leading bodies

Electronic Transactions Association

FMS is a member in good standing of the ETA — the payment industry’s leading trade association representing 500+ companies worldwide. Membership requires adherence to strict professional standards.

Registered ISO — PNC Bank, N.A.

Florida Merchant Services is a registered Independent Sales Organization of PNC Bank, N.A., Pittsburgh, PA — Member FDIC. This registration is regulated and requires ongoing compliance.

Registered ISO — Citizens Bank, N.A.

FMS is also a registered ISO of Citizens Bank, N.A., Providence, RI — one of the nation’s top 15 commercial banks. Dual ISO registration reflects our capacity and compliance standing.

FADA Member

Florida Association of [Full Name] member. [Brief description of what FADA is and why membership matters for Florida-based businesses.]

Authorized Clover Partner

FMS is an authorized reseller and service provider for Clover™ business management solutions — one of the most widely deployed POS platforms in the United States.

Testimonials

What Central Florida Business Owners Say

“Jamaar is a professional at his job. Honesty from day one. I waited a good while before writing a review just in case my service dropped off. The service became better as time went on. Jamaar always answers his phone and is always eager to help when needed. To me, Jamaar is the face of Florida Merchant Services. Lucky to have him.”

Autoplexx

“Professional, knowledgeable and reliable service! The Florida Merchant Services team is always available for their customers and backed with extensive experience and resources. As a business owner & customer, there is no other organization I would rather have and trust with my merchant processing. I recommend FMS to all my clients!”

Jackie C

“Florida Merchant Service was there at a time we needed the most. We are by all means indebted to them for their fast assistance, support and efforts to keep our business open and thriving during such a crucial time. ”

Sam Bassam

Ready to Work with a Team You Can Actually Trust?

Get a free, no-obligation rate review from one of our local Central Florida experts — in English, Spanish, or Mandarin.

Book a Free Consultation
Call 888-490-7480

Freddy Rosario

Senior Advisor

Freddy Rosario serves as a Senior Advisor at Florida Merchant Services, bringing more than 20 years of experience in sales, business development, and business management. With over a decade of specialized experience in the payment processing industry, Freddy has helped businesses of all sizes improve their payment solutions, reduce costs, and implement technology that supports long-term growth.

Throughout his career, Freddy has worked with respected organizations, including American Express, where he further developed his expertise in customer relationships, strategic sales, and delivering exceptional client experiences. His consultative approach allows him to understand each client’s unique needs and provide solutions that create lasting value. As one of the first advisors to join Florida Merchant Services, Freddy has played an important role in the company’s growth and commitment to serving merchants excellently. He is known for building strong relationships, earning trust, and putting the needs of his clients first. Outside of work, Freddy is a faith-oriented family man who believes that success is measured not only by business achievements but by serving others with integrity and compassion. He is blessed to share life with his wife, Kathleen, and together they are proud parents of Coral and Alejandro.

Freddy’s greatest passion is helping people—whether that means assisting business owners in reaching their goals, mentoring others, or simply making a positive impact in the lives of those around him. His dedication to service, professionalism, and genuine care for others makes him a trusted advisor and valued member of the Florida Merchant Services team.

Hector J Rodriguez

National Payment Advisor

Hector Rodriguez is a seasoned National Payment Advisor with more than a decade of experience in business-to-business sales and over five years specializing in the payments industry. He is passionate about helping business owners reduce costs, improve operational efficiency, and implement payment solutions that support long-term growth.

Throughout his career, Hector has developed expertise in serving the hospitality and armory industries, earning a reputation for delivering personalized service and strategic payment solutions tailored to each client’s unique needs. His commitment to excellence has earned him the distinction of being recognized as a Two-Time Salesman of the Year.

Beyond his professional achievements, Hector believes in giving back to the community and has proudly contributed to the Boys & Girls Club, supporting programs that invest in the next generation. He is also a member of the Walt Disney World Property Association (WDWPA), reflecting his commitment to building strong relationships within the local business community.
Hector’s mission is simple: to serve as many business owners as possible by providing trusted guidance, exceptional customer service, and payment solutions that help businesses thrive.
When he’s not working with clients, Hector enjoys spending quality time with his wife, Bianca, and their three children—two sons and a daughter. Family is at the center of everything he does. In his free time, he enjoys family vacations, playing and watching basketball, and has a passion for cars.

Katya Rivera

Project Manager

Katya Rivera is an accomplished Project Manager at Florida Merchant Services, bringing more than 15 years of experience in operations management, customer service, merchant services, project management, sales leadership, and team development. Throughout her career, she has built a reputation for creating efficient systems, developing high-performing teams, and delivering exceptional customer experiences.

Originally from Puerto Rico, Katya has been an integral part of the Florida Merchant Services team for the past three years. Her strong operational expertise, leadership abilities, and commitment to excellence have played an important role in improving internal processes, supporting company growth, and ensuring merchants and partners receive outstanding service.
Known for her organization, problem-solving skills, and collaborative leadership style, Katya is passionate about helping both clients and team members succeed. She believes that strong relationships, clear communication, and continuous improvement are the foundation of long-term business success.

Outside of the office, Katya is a devoted wife and proud mother of four. She enjoys spending quality time with her family and their dog, traveling, discovering new restaurants, reading, and giving back to her community by coaching Little League baseball.

Her dedication to serving others, developing people, and driving operational excellence makes Katya a valued leader and an essential part of the Florida Merchant Services team.

Shamilette Rodriguez

Business Advisor

Shamilette is a dedicated professional, proud mom of one, and someone who strives to excel in everything she takes on. She holds an Associate degree in Medical Assisting with a specialization in Billing and Coding and has built a strong foundation in customer service, technical support, and business consulting.

With four years at Florida Merchant Services, Shamilette served as a Business Advisor specializing in Deployment and Technical Support before being promoted to Business Advisor. In her current role, she is passionate about helping businesses succeed while coaching and developing the sales team to reach their full potential. She is committed to leading by example, fostering growth, and creating a culture of excellence.

Outside of work, Shamilette’s greatest joy is spending time with her daughter. She proudly travels to gymnastics practices, events, and competitions, cheering on her future star every step of the way. She also enjoys visiting theme parks, exploring the outdoors, and creating lasting memories with her family through new adventures. Her passion, determination, and positive outlook drive both her professional success and her personal life.

Yanira Maldonado

Business Professional

Yanira Maldonado is a dedicated business professional with more than 27 years of experience in the mortgage industry, where she developed extensive expertise in executive support, operations, customer service, and organizational management. Throughout her career, she has built a reputation for professionalism, reliability, and a commitment to serving both customers and leadership with excellence.

Since joining Florida Merchant Services in 2021, Yanira has become one of the company’s most versatile and trusted team members. She has contributed to nearly every department within the organization, including Executive Support, Human Resources, Operations, and Customer Service, providing invaluable support wherever needed. Her willingness to learn, adapt, and serve has made her an integral part of the company’s continued growth and success.

Yanira is known for her strong organizational skills, attention to detail, and heart for helping others. She consistently demonstrates a spirit of excellence and a commitment to supporting both her colleagues and the merchants Florida Merchant Services serves.

Outside of work, Yanira is happily married and is the proud mother of two wonderful children. She enjoys traveling, cooking, and creating lasting memories with her family. Guided by her faith, she values meaningful relationships, integrity, and serving others in both her personal and professional life.

Yanira’s wealth of experience, servant leadership, and unwavering dedication continue to make a lasting impact on Florida Merchant Services and everyone she has the privilege of serving.

Jamaar Manlove

Director of Sales | Florida Merchant Services

Jamaar Manlove serves as Director of Sales for Florida Merchant Services and has been an integral part of the organization since its inception. With a professional background spanning banking, consumer finance, mortgage services, merchant services, and payment processing, Jamaar brings decades of financial-services and sales experience to his leadership role.

Jamaar began his financial career in his twenties with MBNA America Bank, where he served in several roles, including Credit Analyst and Retention Specialist. These early experiences provided him with a strong foundation in credit, financial analysis, customer service, relationship management, and client retention.

He later expanded his experience in financial services with Central Fidelity Mortgage before transitioning into the payments industry. Jamaar began his merchant-services sales career as a Sales Representative with Merchant Link Services. He continued developing his expertise through Bank Certified Merchant Services and Bank Certified VA/NC before moving on to iPayment.

Drawing upon those years of industry experience, Jamaar later helped launch Florida Merchant Services. Since the company’s inception, he has played a significant role in developing its sales organization, cultivating merchant and partner relationships, and expanding the company’s presence within the payments industry. Today, as Director of Sales, he leads the company’s sales efforts with an emphasis on relationships, trust, industry knowledge, personal development, and helping businesses identify payment solutions that support their long-term growth.

Jamaar’s passion for leadership extends beyond the business world and onto the basketball court. He has coached varsity high school basketball at City of Life, where he has had the opportunity to mentor and develop young athletes both on and off the court. His coaching experience reflects his passion for leadership, teamwork, discipline, development, and helping others reach their potential.

Faith and service are also central to Jamaar’s life. He is a member of World Changers Church International in Atlanta, Georgia. He is also involved with The Father’s House, a ministry devoted to serving widows, orphans, and those in need. His involvement with the ministry is something he is especially proud of and reflects his belief that success carries a responsibility to serve and positively impact others.

Family remains one of Jamaar’s greatest priorities. He and his wife, Rhonda, are proud parents of four children: Monique, Isaac, Josh, and Mckayla

Outside of business, ministry, and family, Jamaar enjoys staying active. Basketball has remained a lifelong passion, and more recently he has developed a love for hiking. He also enjoys football and tennis.

Whether leading a sales organization, coaching young athletes, serving through ministry, or spending time with his family, Jamaar Manlove’s approach to life and leadership is centered on faith, relationships, service, discipline, and helping people grow.

Rhonda Manlove

CEO & Owner | Florida Merchant Services

Rhonda Manlove is the CEO and Owner of Florida Merchant Services, bringing a unique combination of faith, entrepreneurship, leadership, family values, and forward-thinking innovation to the organization.

Rhonda officially stepped into the role of CEO of Florida Merchant Services in 2023. Since assuming leadership, she has helped guide the company through a significant period of growth and development, with a strong focus on building the people, systems, culture, and infrastructure necessary for long-term success.

At the center of Rhonda’s leadership philosophy is her faith and her passion for the Lord. She believes that business and leadership provide opportunities to serve people, operate with excellence, and make a meaningful difference in the lives of employees, customers, partners, families, and communities.

Rhonda is also an entrepreneur and innovator. She is the creator, Founder, Owner, and CEO of The Joseph Room, a technology, artificial intelligence, and creative-thinking hub dedicated to helping businesses discover better ways to operate. The Joseph Room focuses on developing creative solutions, leveraging artificial intelligence, building automation, and designing systems that help organizations become more effective while giving valuable time back to people.

While Rhonda’s professional accomplishments are important to her, one of her greatest accomplishments has taken place within her own home. She has homeschooled all four of her children, demonstrating the same commitment to education, development, discipline, and personal growth that she brings to her businesses.

Rhonda and her husband, Jamaar Manlove, have been married since 2007. Together, they are the proud parents of four children: Monique, Isaac, Joshua, and McKayla. Family remains one of Rhonda’s greatest priorities, and spending meaningful time with those she loves is one of her favorite ways to enjoy life.

Rhonda is also deeply committed to health and fitness. In her spare time, she loves working out and has developed a genuine passion for physical fitness and wellness. Those closest to her might describe her as a fitness guru, reflecting the discipline, energy, and consistency she brings to maintaining an active lifestyle.

Above business, entrepreneurship, technology, and even personal achievement, however, Rhonda’s greatest passion is her relationship with the Lord. Her faith has been a defining influence throughout her life and career and continues to shape the way she approaches leadership, marriage, motherhood, business, and service.

Rhonda Manlove’s journey represents a powerful intersection of faith, family, entrepreneurship, innovation, leadership, and purpose. As CEO of Florida Merchant Services and Founder of The Joseph Room, she continues to build organizations with a vision that goes beyond business growth—creating systems, developing people, embracing innovation, and using her influence to make a lasting impact.

Angel Benitez

Agent Advisor

Angel Benitez is a dedicated payments professional with over seven years of experience in the financial and merchant services industry. Throughout his career, he has built a reputation for integrity, operational excellence, and a commitment to helping businesses navigate payment solutions with confidence and efficiency.

In 2023, Angel earned his Certified Payment Professional (CPP) certification, further strengthening his expertise in finance, accounting, and business operations. His combination of practical industry experience and professional credentials enables him to provide valuable insight and strategic financial guidance.

Beyond his professional accomplishments, Angel is deeply committed to his faith and community. He faithfully serves as a deacon at his church, teaches Sunday School, and, alongside his wife, leads the church’s marriage ministry, encouraging and equipping couples to build strong, Christ-centered relationships.

Angel has been happily married to his wife, Ashley, for 14 years as of 2026. Together they are the proud parents of two wonderful children, Joshua and Victoria. His greatest priorities are his faith, his family, and serving others with excellence in every area of life.

Whether in business, ministry, or at home, Angel strives to lead with humility, wisdom, and a servant’s heart, making a lasting impact on those he serves.

Lisa Whetstone

Senior Merchant Portfolio & Residual Analyst

Lisa Whetstone brings more than 25 years of experience in banking, financial services, customer retention, and payment processing to her role as Senior Merchant Portfolio & Residual Analyst at Florida Merchant Services.

Lisa has been a valued member of the Florida Merchant Services team since 2019, bringing extensive industry knowledge and a strong commitment to supporting merchants, agents, and partners. Her expertise includes merchant pricing, residual analysis, statement analysis, chargebacks, portfolio management, account retention, and customer account resolution.

Before joining Florida Merchant Services, Lisa served with Paysafe from 2014 to 2019 as an Account Manager in Premier Client Services. She worked closely with partners to ensure a positive experience while resolving issues related to their merchant portfolios.

Earlier in her career, Lisa spent 13 years with Intuit, holding positions in retention, account leadership, and customer support. She also served as a Subject Matter Expert, helping resolve complex issues, reduce customer attrition, strengthen relationships, and save customer accounts.

In 2023, Lisa earned her Certified Payments Professional (CPP) certification, further demonstrating her commitment to professional excellence and continued growth within the payments industry.

Throughout her career, Lisa has developed a passion for looking beyond the numbers. She understands that behind every merchant account, residual report, and statement is a business owner or partner who depends on accuracy, responsiveness, and solutions. Her unique combination of analytical expertise, industry knowledge, and customer-service experience makes her an integral part of the Florida Merchant Services team.

Outside of work, Lisa enjoys hiking, going to the beach, taking road trips, visiting Yosemite National Park, and spending time with family and friends. She is the proud mother of her son, Tyler, who lives in Colorado, and a proud dog mom to her two rescue pups, Whalley and George.

Jacqueline Hardy

Business Advsior

Jacqueline Hardy is an experienced payments professional, dedicated business advisor, former professional soccer player, wife, and proud mother of three wonderful daughters.

Born and raised on the South Coast of Massachusetts, Jacqueline developed a passion for soccer at an early age. Her talent and determination led her to compete at the Division I level at Merrimack College. She continued pursuing her love for the game professionally, playing for two years and carrying the discipline, teamwork, and competitive spirit she developed as an athlete into her professional career.

For more than a decade, Jacqueline has built extensive experience in the payments and merchant services industry. Throughout her career, she has worked closely with independent sales agents and ISO offices, developing a strong understanding of the relationships, strategies, and payment solutions businesses need to succeed.

Today, Jacqueline serves as a Business Advisor with Florida Merchant Services, where she brings her industry knowledge and years of hands-on experience to helping business owners and partners navigate the rapidly evolving world of payments. She is passionate about building lasting relationships, serving others, and helping businesses identify payment solutions that support their growth.

Outside of business, Jacqueline’s greatest joy is her family. She and her husband, John, are raising their three daughters, and family life remains at the center of everything she does. She is also an avid skier and enjoys spending time in Vermont during the winter months.

Whether on the soccer field, the ski slopes, or working alongside business


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