You get paid first.
Every single day.
We process the merchant's sales. Your share comes out at settlement, before their bank account ever sees it.
What you get
Three things a daily ACH can't do.
First position
True priority protection. We take your share at the processor, before the money reaches the merchant's bank — even on a deal you funded second or third.
Fund more
Lend against more revenue. Underwrite the whole business, collect a percentage of card volume calibrated to represent it.
Done-for-you processing
Your in-house payments department. POS selection, boarding, equipment, training and ongoing support — all under your brand.
The problem
ACH is easy. Splits are powerful.
Both are incomplete.
Each gives up what the other is good at.
Daily ACH
- They switch bank accounts
- Returns and holds stop collection
- One stop payment ends it
- A fixed debit hurts on slow days
- Easy for other funders to stack on
- No view of what they're actually selling
Old-school card splits
- Only card volume counts
- Volume gets moved to another processor
- Cash, checks and invoices are missed
- Boarding and processor rules are heavy
- Refunds and chargebacks shift the pace
Simple process
How it works at a glance.
Four steps, from your first funded deal to a merchant who comes back.
You fund the merchant
Size the advance against total processing revenue, while still collecting a percentage of card volume calibrated to represent the whole business.
You send them to GeminiPay
We introduce ourselves as your in-house payments department and handle everything payments-related from there.
We set up and deploy
We configure the split percentage, any flat-dollar component and an ACH backup clause to your specifications — then ship and install the equipment.
You track and grow
Collections flow back to you, data flows into your CRM, and the merchant keeps using the system — coming back to you for repeat advances.
Merchant benefits
Why merchants say yes.
A split only works if the merchant signs it. This isn't just good for you — it's a win they actually want.
Modern POS system
They get a modern POS that often improves how they run the place.
More capital available
They typically get more value than an ACH-only structure allows.
Advisor relationship
They feel like they have an advisor, not just a lender.
Flexible payments
Payments flex with revenue — a percentage-of-sales model helps in slower periods.
ISOs and brokers
Two revenue lines, not one.
The merchant needs a processor either way. Placing them here pays you twice.
Commission and residual
Your cut on the funding, plus a share of processing for as long as they stay.
We do the work
Boarding, terminals, deployment, training and the support desk. Not your problem.
They come back
A merchant running on your POS is a merchant you see again at renewal.
Interactive demo
Try it.
Move the sliders to your deal.
Sample data — illustrative only, not a quote.
| Merchant | Funded | Payback | Split | Collected | Progress | Avg / day | Status |
|---|