Director, Merchant Services Advisory Service
+1 (781) 419-1716

Roles and Responsibilities

Don is Director of the Merchant Services Advisory Service at Mercator Advisory Group. In his current role as Director of the Merchant Acquiring Practice at Mercator Advisory Group, Don utilizes both his depth of experience and extensive knowledge of the acquiring industry to deliver meaningful insights for Mercator clients.

Latest Research

How Payments Can Drive Better Loyalty and Rewards Programs

In-Depth Report / April 2022

Payment Facilitation: What You Need to Know

Viewpoint / February 2022

A Guide to Payments Orchestration

In-Depth Report / December 2021


Previous Experience

Don Apgar has 30+ years of experience in banking and financial services, primarily focused on merchant acquiring and payment acceptance. Early in his career with industry pioneers Manufacturers Hanover Trust, NaBANCO, and First Data Corp., Don led teams that made card acceptance ubiquitous among enterprise merchants in every vertical market, including emerging markets like grocery, fuel, B2B, and government.

While at Citibank, Don led the growth of the Retail Services private label card business, advised the bank on its re-entry to SMB acquiring, and built the vendor acceptance plan that was pivotal in the bank winning its bid for the GSA commercial card program.
Don has held senior management and advisory roles with several e-commerce start-ups, ISOs, and SaaS companies, and has broad experience in compliance, operations, technology and product development, including retail and commercial credit programs, e-commerce transaction systems, and ATM operations.


Don holds a BS in Marketing and Management from Long island University as well as several professional certifications.