Homespun Merchant Services Company Puts New Image on Industry... One merchant at a time. The founder and CEO of First Financial USA (FFUSA), John Eliason, aims to make it easy for merchants, banks, and salespeople to do business with the company. In an industry known for confusing and frustrating customers, FFUSA stands out by focusing on understanding each customer's individual needs and providing service as if their business was FFUSA's own business.