top of page

Payment Processing


Let us take our unique set of missions and values and apply them to your business

Why Choose Gemba Payments?

  • We never charge unnecessary ancillary fees

  • Transparent and ethically priced

  • Complimentary advertising for our client’s businesses

  • Risk Free: No long-term contracts and leases

  • Unsurpassed Customer Service

  • Technology: Modern equipment and tech partnerships

Small business owners face a lot of challenges in the financial world

The best protection anyone can provide you in this sector of the financial industry is to be honest and transparent. We use a pricing strategy that empowers merchants to understand exactly what they are paying for. Never any hidden fees. Our founders are integrity focussed and against the shady tactics and deliberately designed complex pricing systems utilized by most credit card processors.


In-Store & Mobile

Image by Nathan Dumlao

We only have one pricing method and that is because it is the fairest and most transparent among all pricing methods!

Interchange plus pricing AKA Cost Plus Pricing

And here is why:

If you can’t see how much transactions cost your provider, you can’t know what they’re charging you, or if they’re doing so fairly. Interchange are the costs set by the credit card companies themselves.


All providers must pay interchange. It’s unfortunate, but this industry has a negative reputation due to undisclosed and inexplicable fees, confusing pricing structures, and a predatory mindset towards smaller merchants.


Using the Cost plus pricing method we are marking up just as any other brokerage but you see the cost. We show you what most brokerages don't disclose. And between you and us, if they would, we are 100% sure that they would be more expensive than us!



Oh! and we make sure there are no payment limitations. Your customers can choose their preferred method, never reject a payment again!



Image by Austin Distel

We have a solution designed to meet the needs of any merchant's E-Commerce enabled website. From shopping carts to recurring payments, we’ve got you covered!

Gemba can significantly minimize your costs compared to some of the other competitors in online payments such as Paypal. We can provide a ready-made hosted solution or develop a customized API solution where your customers never have to leave your site to make a payment.


  • Expert technical support

  • Unlimited user accounts

  • Customizable email receipts

  • Top notch fraud prevention and risk management

And more….


Business Lending

Need funds for your business? 

Merchant Cash Advance:

  • Borrow based on credit card sales

  • Fast approval and funding 

Merchant Loans

  •  $5000 to $500,000

  •  Fixed daily or weekly payment


Merchant LOC

  •  Revolving up to 30k

  •  Weekly min payment

Equipment Leasing

  • Lease anything with a serial number

  • Quick financing arrangments 

  • Low fees

Image by Frank Busch
Bus. Lend
bottom of page