---
title: "About: built by payments insiders | Centrobill"
description: "Centrobill was built by people from inside payments: processing platforms, acquiring banks and merchant operations, for complex verticals."
url: https://centrobill.com/about/
canonical: https://centrobill.com/about/
type: about
related:
  - https://centrobill.com/high-risk-payment-processing/
  - https://centrobill.com/case-study/
  - https://centrobill.com/contact/
---
# Built by people who know payments from the inside.

![Three payment professionals discussing global connections in front of a teal-lit world map](https://centrobill.com/media/about-2.webp)

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 platforms Where authorization and settlement actually happen. We know how routes fail and how to keep payments moving when they do.

Acquiring banks Where underwriting and risk decisions get made. We know what banks look for, and how to get approved and stay approved.

Merchant operations Where 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.

[AI Platforms](https://centrobill.com/artificial-intelligence-ai) [Dating](https://centrobill.com/high-risk-payment-processing/dating-industry) [Adult](https://centrobill.com/high-risk-payment-processing/adult-entertainment) [Gaming](https://centrobill.com/high-risk-payment-processing/gaming-e-gaming) [More industries →](https://centrobill.com/industries)

## 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](https://centrobill.com/media/len-garcia-1920.webp)

### 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 payments US acquiring IC+ pricing Auth & 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.

## Talk to a Payment Advisor

https://centrobill.com/contact