Centrobill

Payment infrastructure that keeps complex commerce moving.

Centrobill combines intelligent payment orchestration, global acquiring expertise, and compliance-first billing infrastructure to help recurring and regulated businesses scale without payment disruption.

Talk to a Payment AdvisorExplore the Platform

Built by people who know payments from the inside

Our team came from processing platforms, acquiring banks and merchant operations. We spent our careers inside the systems where payment decisions get made, so we know what goes wrong, from card scheme rules to banking relationships.

Who we build for

Subscription and AI platforms, gaming and esports, dating, forex and crypto, health and wellness, and other complex or regulated businesses.

A colleague walking through a modern office while checking a tablet, with a teammate working at a desk behind her

More than a gateway

Traditional processors give you payment acceptance and stop there. We build the acquiring, routing, billing and compliance underneath it as one coordinated system, so a bank changing its mind or a flagged MID doesn't take you offline.

  • Decline cascading

    Reroutes a failed transaction to a backup acquirer before it becomes lost revenue.

  • Smart routing and BIN optimization

    Sends each transaction down the path most likely to approve, based on live performance data.

  • Centrobill MAX

    Rebill Optimizer and retry logic recover subscription payments most processors write off.

Whatever is about to go wrong for you has usually already gone wrong for someone we worked with first.
A hand holding a phone showing a Centrobill payment recovered through smart routing

A payments stack, not a checkout button

Six systems run on every transaction. Most processors sell you one and leave you to stitch together the rest. We built them as one, because that's how payments survive a bad month.

Any way your customers want to pay

Cards, local rails and wallets on one integration, routed by the same engine.

Local cards and bank transfers available on request. Ask what runs in your market

  • Visa
  • Mastercard
  • American Express
  • Discover
  • JCB
  • Cartes Bancaires
  • Apple Pay
  • Google Pay
  • Pix

How a single charge actually flows

Every transaction moves through a decisioning pipeline before it ever reaches an acquirer, because we are optimizing for approval at every step, not just acceptance. PCI DSS Level 1 tokenization protects the data.

regions with direct acquiring
currencies
Cards + local methods
in every market

Your biggest risk isn't payment acceptance

It's losing your processing overnight. Here is the same week, twice.

With one processor

Mon 09:12

Your acquirer flags your MID for review.

Mon 14:40

Your rolling reserve is increased.

Tue 08:05

Settlement is frozen mid-cycle.

Processing stops.

Your account is closed.

With Centrobill

Mon 09:12

Your acquirer flags your MID for review.

Mon 09:13

Traffic shifts to your other MIDs and acquirers.

Tue 08:05

Revenue keeps settling elsewhere.

You keep processing.

One account closes.

Redundancy isn't overhead. It's what keeps you processing.

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Built for businesses other processors decline

Generalist processors decline or misprice these industries because their risk models weren't built for how they get paid. Ours were, and our acquiring banks accept these categories deliberately.

Solutions for the problems that break traditional processors

Whatever is breaking for you right now, from declining approval rates to a single MID carrying your whole business, there is a solution built around that specific failure, not a generic feature list.

All solutions
A laptop open on a wooden desk showing a Centrobill case study, with a hand resting on the trackpad

More approvals from the traffic you already have

Centrobill MAX is our optimization suite for recurring and high-volume merchants. Four modules work on every payment, from the first authorization to the last renewal.

Explore Centrobill MAX

  • Smart Routing

    Sends each payment to the processor most likely to approve it.

  • Network Tokenization

    Keeps stored cards valid when the bank reissues them.

  • Card Updater

    Catches expiring cards before a renewal fails.

  • Rebill Optimizer

    Retries failed payments at the moment recovery is most likely.

Same traffic. More revenue.

Three platforms turned on Centrobill MAX. Here's what changed, in their numbers, not ours.

Built for the engineers who actually integrate it

Every capability here, checkout, tokenization, recurring billing, smart routing, payment recovery, and reporting, is exposed through one coherent REST API surface, with SDKs for Node, Python, PHP, and Go. Sandbox parity with production, idempotent writes, signed webhooks.

NodePythonPHPGo
View developer overview
  • One coherent REST API surfaceCheckout · Tokenization · Recurring billing · Smart routing · Payment recovery · Reporting
  • Sandbox parity with productionTest cards · Simulated declines · Same behaviour as live
  • Idempotent writesSafe retries · No duplicate charges · Exponential backoff
  • Signed webhooksSigned events · Verified sender · Documented payloads

FAQ's

The questions that come up on nearly every first call, answered the way we answer them on the call.

We are a payment infrastructure company built by people from inside the payments industry. We build the acquiring, routing, billing, and compliance layer that complex and regulated businesses need to keep processing, not just a gateway with a login screen attached.

Subscription platforms, gaming and esports operators, dating apps, forex and crypto businesses, adult content platforms, health and wellness brands, and other complex or regulated businesses, along with any business a generalist processor has already declined or dropped for reasons that had nothing to do with how legitimate the business actually is.

That is the scenario we build for. Because your account runs across multiple acquirers and MIDs from the start, one processor's decision does not have to take your revenue with it.

Credit and debit cards, bank transfers, e-wallets, and local payment methods per market.

Most applications are reviewed and structured for approval within days, not weeks, because our underwriting team already knows what your specific industry's acquirers are looking for.

PCI DSS Level 1 and 3DS2.x, with underwriting support for KYC, AML, and industry specific requirements like age verification or regional gambling and CBD regulation.

Pricing is structured around your specific risk profile, volume, and industry rather than a flat rate card, because a generic price sheet is usually how a generalist processor signals it has not actually priced your business correctly.

Every setup starts with a conversation

Whatever stage you are at, from pre-launch to nine figures a year, bring your questions. Payments advice is free here.

Talk to a Payment Advisor