With over 100 years of combined experience in the FinTech industry, InComm Payments' leadership team has unparalleled expertise in helping companies grow their business through payment technology. With every facet of the industry covered, they are dedicated to working closely with our partners and meeting their unique needs to positively affect the bottom line.

Brooks Smith, Chief Executive Officer

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Since founding InComm Payments in 1992, Brooks Smith has continued to be a pioneer of prepaid products and payment technology. Under his leadership, what started as a company focused on using technology to support the sale of long-distance phone cards has grown to be a leader in the FinTech industry. Mr. Smith has more than 20 years of senior management experience in sales and marketing. He is respected by industry leaders for his innovative work in shaping a prepaid product distribution network and was named Ernst and Young Entrepreneur of the Year in 2007.

As CEO, Mr. Smith spearheads all efforts to connect the industry’s leading brands with many of the world’s largest retailers. He has established valuable relationships with leading retailers like Walmart, Best Buy, CVS and 7-Eleven in addition to global product brands like iTunes, Sony, Google, Amazon, Starbucks, AT&T and Verizon.




Stefan Happ, President 

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Stefan Happ joined InComm Payments in 2018 as President to lead the company’s sales and account management teams in providing best-in-class payment technologies, products and services to a growing list of clients.


Prior to InComm Payments, Mr. Happ held several positions overseeing prepaid-focused initiatives during a 20-year career at American Express, most recently running Global Prepaid & Alternative Payments for the company as Executive Vice President and General Manager. Mr. Happ received a bachelor’s degree in linguistics from University College London and a master’s in business from Lancaster University.





 Dan Kahrs, Chief Operating Officer

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Joining InComm Payments in 2003, Dan Kahrs has over 25 years of operations management experience. As Chief Operating Officer, he manages the day-to-day operations of the company’s supply chain, customer service, merchant services, human resources and fraud support as well as oversees the company’s real estate activities and facilities, both domestically and internationally. Over his tenure with InComm Payments, Mr. Kahrs has successfully scaled the company’s operations during years of tremendous growth and served as the operations lead on the transition team for integrating the numerous acquisitions completed by the company.


Prior to InComm Payments, Mr. Kahrs served as Senior Vice President, Operations Prepaid and Billing Services for ILD Telecommunications, Inc. while also serving as a member of the Board of Directors of the Coalition to Ensure Responsible Billing (“CERB”). He graduated with honors from the University of Notre Dame, receiving a bachelor of business administration degree in accounting.




 Mark Holt, EVP, Chief Information Officer

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Mark Holt joined InComm Payments in 2018, bringing with him over 20 years of experience in IT leadership. In his role as Chief Information Officer, he oversees InComm Payments' IT organization in the U.S. and abroad, focusing on enhancing the company's payment technologies to align with business demands.
Prior to joining InComm Payments, Mr. Holt served as CTO at E*Trade Financial, where he led the company's IT initiatives, including designing, developing, testing and supporting sophisticated platforms in the trading industry. Throughout his career, he has combined his leadership skills with deep technical expertise to oversee the execution of large-scale technology projects and enterprise-wide programs.
Mr. Holt currently sits on the Board of Advisors for two local startups, Function AI and Fractional Networks, Inc. Prior to graduating from Clayton State University with a bachelor's degree in business administration and computer information systems and design, he served eight years in the U.S. Army, earning the rank of sergeant in the 82nd Airborne Division.




 Brian Parlotto, Executive Vice President

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Brian Parlotto joined InComm Payments in 2004 and has served the company in many capacities since then, including international expansion, business development, and sales and account management. He has also leveraged his experience with startups to champion many firsts in prepaid digital content, such as the acquisition of digital gift card provider Giftango, now InComm InCentives.  


As Executive Vice President, Mr. Parlotto leads various product teams – including gift cards, digital content, wireless and healthcare – while overseeing corporate and event marketing as well as InComm InCentives. Prior to InComm Payments, Mr. Parlotto worked with Virgin Mobile USA, Cingular Wireless and BellSouth Mobility.




Michael Gruenhut, General Counsel

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Michael Gruenhut has served as InComm Payments' General Counsel since joining the company in May of 1999. He is responsible for all legal functions of InComm Payments and its affiliates, including commercial transactions, corporate compliance, operations and regulatory, intellectual property and management of outside counsel.


Before joining InComm Payments, Mr. Gruenhut represented both publicly and privately held businesses in Atlanta with the law firm of Spix, Krupp & Reece, P.C. He is a graduate of the Georgia State University College of Law and received his undergraduate degree from the University of Georgia.






Larry Belmonte, EVP, Chief Financial Officer

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Larry Belmonte joined InComm Payments in 2019, serving as SVP of Strategy and Development under Stefan Happ prior to being named Chief Financial Officer. Mr. Belmonte provides forward-thinking financial strategy and experience in his role as CFO, overseeing the company’s capital structure and managing all finance activities including accounting, treasury, tax, planning and financial analytics.


Prior to joining InComm Payments, Mr. Belmonte spent nearly three decades in Finance at American Express in roles of increasing responsibility. His most recent role was running a large-scale project that transformed Finance into a more efficient and nimble operation by improving the organizational structure, streamlining, and automating processes and leveraging technology.


Mr. Belmonte earned his bachelor’s in business administration from Pace University and his master’s in business administration from the New York University Stern School of Business.