About Us
Create Payments was founded in January 2018 by a team with a unique background in both the payments industry and the non-profit sector. With decades of experience serving small and mid-sized merchants, combined with extensive work supporting 501(c)(3) charitable initiatives, the founders developed a distinctive approach to payment processing designed to serve both for-profit and non-profit organizations alike.
From the beginning, Create Payments was built on a commitment to transparency, integrity, and fair pricing. Our goal has always been simple: provide merchants with payment solutions they can trust—without hidden fees or complicated contracts. While these principles were uncommon when we launched in 2018, they remain rare in today’s credit card processing marketplace.
Today, Create Payments is known for honest pricing, exceptional service, and strong technical and banking support. We are committed to firmly supporting our merchants by handling payment complexities so they can focus on what matters most—growing their businesses.
Mission
Our mission is to CREATE community and collaboration by equipping our agents with the leadership, tools, and technology they need to deliver honest guidance, transparent solutions, and lasting value to the businesses we serve.
When our agents win, our clients thrive and our communities grow.
Vision
Our vision is to build a company led by empowered agents and values-driven leaders, where doing what is right for the customer is the standard, not the exception.
Through integrity, transparency, and purpose-built technology, we aim to help businesses operate better, grow stronger, and create the futures they envision.
Core Values
We win together. Ideas are shared, not siloed.
We create an environment where agents, leaders, and clients feel supported and connected.
We say what we mean and do what we say.
We lead by serving our clients, our teammates, and our communities.
We act like owners because we are. Performance and outcomes are in our hands.
Peter Karl Youngren
Managing Partner
Peter is currently the Managing Partner of Create Group Capital and Co-Founder of Go Create It. Create Group Capital has helped thousands of merchants across North America by providing quality, cost-effective payment solutions for all their brick-and-mortar and online businesses. CGC does business in all fifty states as well as across Canada and has been in business for eight years.
Peter has founded two large-scale charities, working in over 1500 schools across fifty-five school boards. He has worked with all levels of government to implement unique educational programming for young people. To date, over 9000,000 students, teachers, and parents have been impacted by programming designed by Peter and his team.
Peter brings a wealth of knowledge and experience both organizations. His favorite thing to do is assist non-profits with their payment needs and fundraising goals.
Julia Gaul
Julia serves as the Chief Operating Officer for Create Group Capital, where she has been a driving force since joining the company in June 2020. She oversees daily operations, managing both the sales and support teams, while ensuring all client accounts, deals, and strategies run seamlessly under her supervision.
Julia’s expertise spans state and IRS filings, compliance, marketing, brand strategy, and customer service. She takes pride in her dynamic and efficient approach to executing strategies that deliver impactful results. Among her diverse responsibilities, Julia finds her greatest satisfaction in working with non-profit clients. She partners with these organizations to help them achieve fundraising success and build meaningful brand awareness, aligning her professional skills with her passion for making a difference.
With a reputation for strategic thinking and meticulous execution, Julia is an indispensable leader who ensures the success of every project and partnership she undertakes.
Charles Ruggieri
Charles “Chuck” Ruggieri is an experienced and professional sales representative with almost two decades in the payment processing industry.
Specializing in the restaurant industry, Chuck is extremely knowledgeable about the inner workings of the food service business and skilled at understanding his merchants’ needs. In addition to assisting restaurateurs, he is a valuable consultant in the B2B vertical, advising C-level members on the latest technology that can improve their payments ecosystem.
Chuck is an expert at relationships and prides himself on his dedication to customer satisfaction.
Chuck studied Health Care Administration at Quinnipiac University where he played soccer and honed his skills of building lifelong relationships and friendships.
After raising his family in Hillsborough, NJ, Chuck and his wife Kathy now reside in New England, where they enjoy live music, golfing, skiing, and traveling with their family.
Kat Ruggieri
Kathryn “Kat” Ruggieri joined Create Payment in March of 2024 as the Director of Operations.
In this role, Kat plays a vital part in onboarding new merchant accounts and nurturing relationships with existing clients. Her dedication to customer satisfaction is evident in her daily efforts to ensure that each client’s needs are met with exceptional service.
Kat is committed to helping businesses optimize their payment processing by securing the most efficient and cost-effective pricing models available.
With a focus on saving her clients money, she works diligently to ensure they receive the best value from their partnership with Create Payment. Her proactive approach and deep understanding of client needs make her an invaluable asset to both the company and its merchants.
Alex Haydon
Since joining Create Payments in September 2021, Alex Haydon has been instrumental in helping businesses thrive through innovative merchant services and unmatched customer support.
As Director of Sales – West Coast and leader of the high-risk department, Alex combines industry expertise with a passion for service, ensuring clients and agents are supported around the clock. Dedicated to staying at the forefront of payment solutions, Alex and the Create Payments team are committed to earning trust through urgency, efficiency, and a relentless drive to help customers succeed.
Josh Booher
Josh has been in the finance industry since 2004 after graduating from the University of Tennessee – Knoxville and began his career with payment solutions and processing in 2019.
With over 20 years of experience in finance and business management, Josh has all the tools and expertise to help you explore all payment solutions available with the most efficiency and profitability. His ultimate goal when meeting with a merchant is to ensure that the clients achieve the best options that bring the most efficiency and profitability.
Josh was born and raised in Brentwood, TN and resides now in Nolensville, TN with his lovely wife and his 4 beautiful children. He has a passion for music, golf and coaching the local youth.
