Hi. We're Qolo.

Founded in 2018, Qolo is the B2B payments hub for the New Economy with a mission to help businesses navigate today’s complex payments and financial transactions landscape. We empower businesses to manage payments efficiently with an eye toward growth and reduced expense.

Qolo supports companies wherever speed, security and cost of payment are important including gig worker payouts, distribution payments, multi-currency and cross-border businesses and modern fintech firms.

Founding Team

Our founding team is composed of experts and entrepreneurs in payments with more than a century of combined industry experience.

Patricia Montesi

Founder & CEO

An accomplished business executive with more than 20 years of global management experience across a diverse set of industries, Patricia sought a better way to serve the payments industry.

Over the course of her career she has transformed and scaled complex businesses from Fortune 100 companies to startups in roles that included sales and marketing as well as operations and technology.

Prior to Qolo, she spent 15 years in executive roles across all sectors of the payments industry leading teams to industry firsts and deploying award-winning technology solutions for clients.

Patricia holds a BBA in Finance from the University of Miami, an MBA in Accounting from Nova Southeastern University, and a Certificate in Strategic Leadership from Columbia Business School.

Darren Beyer


A hands-on executive with vast experience in multiple facets of the mobile and payments industry, Darren has designed and delivered high-impact technical systems, products and applications throughout his entire career. Leveraging his 20 years of expertise, Darren sought a more meaningful way to serve the payments industry and address legacy issues companies currently face.

Prior to Qolo, Darren was a founder of multiple startups, and has led payments and fintech efforts for industry leaders such as FIS, Blackhawk Network and PayActiv.

He was a NASA Space Shuttle engineer and is also an accomplished science fiction and non-fiction author. Darren received his BS in Aerospace Engineering from Virginia Tech.

Steven Bishop

Founder & Chief INFORMATION Officer

A world-renowned payments expert, Steven has held C-Suite leadership positions and served as a board advisor for startups and Fortune 500 companies. He is a “deep technology” specialist in systems engineering and design and has held CTO and CIO positions at FIS Prepaid Solutions, WaveCrest Group and WildCard Systems. Steve has designed, architected and launched multiple payments and loyalty platforms, including the first purpose-built, open-loop prepaid processing system, which is still in use today. He pioneered advanced risk/fraud detection and prevention systems and deployed the first machine-learning algorithms tailored to prepaid processing.

Steven holds two PhDs: one in computer science and one in mathematics. He is an avid flyer and both a fixed-wing and rotary wing (helicopter) pilot.

Robert Pincus

Founder & Chief Operating Officer

Robert is a long-time payments industry veteran with experience leading operations at Fortune 500 companies and startups. Prior to co-founding Qolo, he served as COO at WaveCrest Payment Services, as Vice President at FIS with a focus on prepaid deployments, and in operational and project management roles at Wildcard Systems and Euro RSCG. Robert led operations and management of the largest card conversion in history between FIS and American Express at more than 100 million cards and 380,000 hours of work. He has extensive international payments experience and has launched award-winning, multi-currency payment programs. Robert is an expert in all facets of program management, including compliance, risk/fraud, and customer service.

Robert earned his BA and MBA from the University of Florida.