Ready $48.20 Tap to pay

Lower fees. Clear pricing.

One platform to accept payments, issue your own cards, and get funded the same day.

Payments

From tap, to deposit.

That is the entire process. Your customer taps, and the money is in your account the same day or the next — nothing for you to chase, reconcile or manage in between.

Ecosystem

One platform,
every way to get paid.

Connected

In store, online, mobile, invoiced, subscription, government and municipal — we process everything. Every channel, one balance, one dashboard, one relationship.

See the hardware

Hardware

Built for the counter,
and beyond it.

Sale $126.40 Approved

Business OS

Your business,
in real time.

Cards

Your brand, on every card.

Run your own card program under your own name — physical and virtual cards, wallets and instant-access balances for your customers, carrying your brand on every one. GeminiPay handles the issuing, the rails, the limits and the compliance underneath.

A server presenting a bottle of wine at a candlelit restaurant table

Restaurants

From first order to final tip.

Two shop staff at a retail counter with a card terminal

Retail

From browsing to checkout in seconds.

A nurse attending to a mother holding her newborn in a hospital room

Healthcare

Care first. Billing that follows quietly.

An aerial view of a city at night overlaid with a connected network of light

Peptides

Advanced peptide solutions. Proven results.

Two site engineers in hard hats reviewing project dashboards on monitors

Construction

From estimate to final payment.

A guest checking in at a hotel reception desk and handing over a card

Hospitality

Check in, check out, one folio.

An aerial view of a city at night overlaid with a connected network of light

Enterprise

Hundreds of locations. One ledger.

An aerial view of a city at night overlaid with a connected network of light

CBD

Natural wellness. Scientifically crafted.

An aerial view of a city at night overlaid with a connected network of light

Online

seamlessly integrate payments anywhere.

Beyond payments

More than
a processor.

Disputes

Rapid Dispute Resolution settles eligible disputes at the network, before they ever become chargebacks. And when your funds are held during an investigation, bridge funding covers the gap — interest-free, for as long as the review takes, so a dispute never becomes a cash-flow problem.

RDRBridge fundingInterest-free during reviewPre-chargeback alertsRatio protection

Crypto

Take digital currency at the counter or online and settle in dollars the same way you settle everything else. Accept, convert and settle without adding regulatory surface to your business — with stablecoin payouts whenever you want them instead.

Accept cryptoSettle in USDStablecoin payoutsOn & off ramps

Capital

Same-day and next-day funding as standard, advances against future volume, and — for companies we believe in — direct investment.

Same-day fundingMerchant advancesFlow-backed facilitiesGrowth capitalDirect investment

Payouts

Send money anywhere, quickly and at lower cost. Pay individuals or businesses around the world without the delays and fees of traditional international banking. We use local payment networks and modern payment rails to move money across borders in minutes, with competitive exchange rates, built-in compliance, and complete transaction tracking.

Local payment networksCross-border in minutesCompetitive exchange ratesBuilt-in complianceFull transaction tracking

The difference

Payments
should pay
you back.

Most processors show up to collect a percentage and disappear. Our model is built the other way around.

  1. Rates we negotiate for you

    We work with our banking partners to negotiate your rate, then build pricing around your industry, ticket size, volume and payment mix — not a package written for a thousand unrelated businesses.

  2. Same day or next day funding

    Money from today's batch reaches your account the same day or the next business day, on a schedule you know in advance. No three-day float, no wondering where the deposit went.

  3. A share of the profit

    Your business receives 15% of the monthly profit we earn processing your transactions. Processing stops being only an expense.

  4. Referrals that keep paying

    Refer another business and receive 15% of our monthly processing profit from that account too — for as long as they stay with us.

  5. The cash discount option

    Customers who pay cash receive a discount, while the card price covers the cost of processing — so, all of your card processing expense goes away.

  6. Every agreement reviewed

    Our agents don't have the final say. Every merchant agreement goes through our team — pricing, fees and terms checked against exactly what was promised — before it is approved.

  7. Held funds don't stop your business

    If a dispute or a hold locks up your money, bridge funding keeps your cash flow moving while it is resolved — interest-free for the length of the review. No waiting months on someone else's timeline.

  8. Introductions, not just invoices

    Our network becomes an extension of yours — customers, strategic partners and opportunities that would otherwise never reach your business.

  9. Support that doesn't disappear

    Direct access to people who already know your account and your business. After you sign, not just before. No getting passed around repeating the same story.

  10. We invest in companies we believe in

    When we see real vision and growth potential, we would rather build with you than bill you — capital, relationships and strategic support behind the business, not just the transactions.

Security

Your money, protected.

PCI compliance Encryption Tokenization Fraud protection Rapid Dispute Resolution (RDR) Secure infrastructure

Consolidation

Payments should work harder.

Processor POS Invoices Reporting Support Integrations Card issuer Lender Dispute vendor Broker

GeminiPay

One platform.

Traditional processingGeminiPay

Credibility

Powering
business
everywhere.

$8B+
Payments processed
2,000+
Businesses served

Restaurants, retailers, clinics, contractors, hotels and multi-location operators — running on one platform, with one relationship behind it.

Partners

Build your
book with us.

Agents, ISOs, developers and referral partners run on the same platform our merchants do — with the pricing control, the residuals and the support desk behind them.

  1. Become an agent

    Write your own pricing on our negotiated rates, keep a residual on every account for as long as it processes, and hand the underwriting, deployment and support to us. Every agreement is reviewed by our team before approval, so what you promised is what the merchant gets.

  2. The partner portal

    Submit applications, track approvals, monitor live volume across your portfolio and see your residual statement as it builds — one login, no waiting on a monthly PDF from someone else's back office.

  3. Refer and earn

    No licence, no quota. Introduce a business you already know and receive 15% of our monthly processing profit from that account, for as long as they stay with us.

  4. Referral partners & developers

    Banks, accountants, POS resellers, agencies and software platforms — embed GeminiPay, or simply send business our way. We handle the merchant relationship exactly the way you would want it handled.

Ready?

Move money.
Move forward.

Better rates, a share of the profit, funding when you need it, and people who answer. Everything you need to accept payments and run your business.

info@geminipay.co