Three payment professionals discussing global connections in front of a teal-lit world map

Built by people who know payments from the inside.

We came from processing platforms, acquiring banks, and merchant operations. We watched generic processors struggle with complex verticals, so we built the processor we wished we'd had.

We've sat in every seat at the table.

Every payment company says it understands complex verticals. Our team spent decades building the platforms, bank relationships, and risk programs those verticals run on.

Processing platformsWhere authorization and settlement actually happen. We know how routes fail and how to keep payments moving when they do.
Acquiring banksWhere underwriting and risk decisions get made. We know what banks look for, and how to get approved and stay approved.
Merchant operationsWhere those decisions land. We've handled the declines, chargebacks, and reserve holds from your side of the desk.

That range is the product.

Multi-MID architecture, standby routes, and chargeback monitoring are built in from day one. We designed the platform around what goes wrong in complex verticals, before it goes wrong.

Direct acquiring relationships

No middle layer between you and the bank.

Interchange-plus pricing

Every fee itemized. Nothing blended.

Built for complex verticals

Purpose-built risk and billing for high-scrutiny industries.

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How we work

Straight answers on pricing

Interchange-plus, itemized, with no blended rates hiding margin. If you can read a statement, you can see exactly what we make.

Redundancy before you need it

Standby MIDs, multiple banks, and monitoring on every route. We build for the bad month, because we've lived through one.

A person, not a portal

Every merchant gets a payment advisor who knows the account. When something needs a decision, you talk to someone who can make it.

Leadership

Len Garcia, Chief Sales Officer, smiling in a portrait against a teal background

Len Garcia

Chief Sales Officer

25 years in payments, starting at FirstData on the auth and settlement platform, then the acquiring side. Len specializes in US acquiring: bank relationships, interchange-plus pricing, multi-MID strategy, and scheme compliance. He knows how approvals, declines, and settlement actually work because he spent his career inside the systems that run them.

25 yrs paymentsUS acquiringIC+ pricingAuth & settlement

Talk to someone who's sat in your chair.

Tell us about your business and we'll show you how Centrobill would route, bill, and protect it.