# GembaPay

> GembaPay is a multi-provider payment platform for merchants. Accept card payments via Stripe, PayPal, and cryptocurrency through a single API integration, plus recurring subscriptions (auto-billing via Stripe and PayPal). Non-custodial — funds go directly to merchants. Built and operated by GEMBA EOOD, registered in Bulgaria, European Union (EIK: 208656371).

## Key Facts

- **Positioning**: Multi-provider payment platform — cards, PayPal & crypto via one API
- **Architecture**: Non-custodial — GembaPay never holds merchant funds
- **Partnerships**: Official PayPal PPCP Channel Partner · Stripe Connect Platform
- **Pricing**: 1% flat fee per transaction (1% + €0.20 for Stripe/PayPal). No monthly fees, no setup fees
- **Recurring billing**: Subscriptions via Stripe and PayPal native subscription engines — 1% per billing cycle; no crypto subscriptions
- **Customer fees**: 0% — customers pay no GembaPay fees
- **Supported fiat currencies**: 86+ via Stripe and PayPal
- **Supported blockchains**: Ethereum, Binance Smart Chain (BSC), Polygon, GembaBlockchain
- **Supported tokens**: ETH, BNB, POL (native) · USDC, USDT, EURC (stablecoins) · GMB (native coin of GembaBlockchain, 1 GMB = €1)
- **Smart contracts**: Open-source, audited with Slither and Mythril (zero vulnerabilities)
- **Integration**: REST API, JavaScript SDK, WooCommerce plugin, iframe widget
- **Compliance**: PSD2-aware, GDPR-compliant, MiCA-aware (EU jurisdiction)
- **Company**: GEMBA EOOD · Varna, Bulgaria · EU member state · EIK: 208656371
- **PayPal Partner BN Code**: GEMBAEOOD_SP_PPCP

## What is GembaPay?

GembaPay is payment infrastructure software that merchants integrate into their websites, apps, or e-commerce stores. The platform combines traditional payment methods (Stripe, PayPal) with blockchain payments (Ethereum, BSC, Polygon) under a single unified checkout, giving merchants and their customers maximum flexibility. All payments — fiat and crypto alike — settle directly to the merchant's connected accounts; GembaPay only deducts a small platform fee at transaction time.

## Supported Payment Methods

### Fiat Payments (Cards & Wallets)

- **Stripe Connect** — Credit/debit cards, Apple Pay, Google Pay, regional payment methods. 86+ supported currencies. GembaPay is a Stripe Connect Platform.
- **PayPal PPCP** — PayPal Balance, bank transfers, Pay Later. GembaPay is an Official PayPal PPCP Channel Partner using Connected Path architecture for direct merchant payouts.
- Funds settle directly to the merchant's connected Stripe or PayPal account. GembaPay never holds fiat funds.

### Cryptocurrency (Non-Custodial, On-Chain)

- **Ethereum**: ETH, USDC, USDT, EURC
- **Binance Smart Chain**: BNB, USDC, USDT
- **Polygon**: POL (formerly MATIC), USDC, USDT, EURC
- **GembaBlockchain**: GMB (native coin · 1 GMB = €1)

### Pay with GMB (GembaBlockchain)

- GMB is the native coin of GembaBlockchain, a public, permissionless Proof-of-Stake L1 (chain id 821206; testnet 821207).
- Customers can pay participating Gemba dApps directly in GMB and receive a 20% discount on the service fee.
- 1 GMB = €1, instant on-chain finality, ultra-low fees, a single native transaction (no token approval needed).
- Fixed supply (100,000,000 GMB, zero inflation); secured by independent permissionless validators.
- Open source: https://github.com/ivanovslavy/GembaBlockchain · Run a validator: https://github.com/ivanovslavy/GembaBlockchain/tree/main/gemba-validator
- Learn more about GMB: https://gmb.gembachain.io
- All crypto payments are processed through audited open-source smart contracts.
- Funds go directly to the merchant's wallet — GembaPay never holds crypto.
- Chainlink oracles provide on-chain price feeds for fiat-to-crypto conversion.

## Key Features

- Multi-provider unified checkout: cards, PayPal, and crypto on one page
- Payment Links + QR: merchants create a shareable payment link with a matching QR code from the dashboard — no website, checkout, or customer account needed. One-off links collect a single payment (freelancers, service providers, sellers without a store); multi-use links accept repeated payments from many people (ideal for donations). The amount is optional: set a fixed amount, or leave it empty so each payer enters their own (payer-chosen / "pay what you want", ideal for donations). Settings include optional fixed amount/currency, payment methods, expiry, max uses, max total amount, configurable customer fields (Name/Email/Phone/Note — Off/Optional/Required), test vs live mode, and email notifications. URL form: https://payment.gembapay.com/link/<token>.
- Subscriptions / recurring billing: merchants create subscription plans (name, price in EUR, billing interval — weekly/monthly/yearly, accepted methods) programmatically via the API. Each plan gets a hosted subscribe link plus an embeddable button for the merchant's own website. The customer enters their email, pays once, and an auto-recurring subscription begins, powered by the native Stripe and PayPal subscription engines (which auto-charge each cycle with retries and dunning). Upgrades apply immediately (Stripe prorates; PayPal switches with a catch-up charge); downgrades apply at the next renewal. Customers cancel anytime via the merchant's self-service Manage page using a 6-digit email code — cancellation is cancel-at-period-end (no refund for the current period), and merchant-scoped. Each paid cycle is recorded in Transactions and fires the merchant's webhook. GembaPay fee: 1% per cycle (EUR base). No crypto subscriptions (a wallet cannot be auto-charged without on-chain authorization each time).
- Non-custodial across both fiat and crypto rails
- Single API for all payment methods
- 1% flat platform fee (1% + €0.20 for Stripe/PayPal)
- Open-source smart contracts (Slither/Mythril audited, zero vulnerabilities)
- KYC/AML compliance procedures for merchant onboarding
- WooCommerce plugin ("GembaPay Payment Gateway for WooCommerce")
- Real-time transaction monitoring and webhook notifications
- 86+ supported fiat currencies
- Multi-chain support (Ethereum, BSC, Polygon)

## Technical Architecture

- Backend: Node.js / Express.js
- Smart Contracts: Solidity (EVM-compatible)
- Infrastructure: Hetzner dedicated servers (Germany) with failover and PostgreSQL streaming replication
- Security: Cloudflare WAF, Turnstile bot protection, rate limiting
- Blockchain event listeners with multi-RPC failover (Ankr, QuickNode, Chainstack)

## For Developers

- RESTful API for payment integration
- Webhook notifications for payment events
- JavaScript SDK
- WooCommerce plugin — https://gembapay.com/woocommerce
- Plugin download: https://gembapay.com/gembapay-payment-gateway-for-woocommerce.zip
- GitHub: https://github.com/ivanovslavy/gembapay/tree/main/packages/woocommerce/gembapay-payment-gateway-for-woocommerce
- API documentation: https://gembapay.com/docs
- Developer guide: https://gembapay.com/developers
- Testnet faucet for USDC, USDT, EURC on Sepolia, BSC Testnet, and Polygon Amoy

## Pricing

- 1% per crypto transaction (deducted on-chain by smart contract)
- 1% + €0.20 per Stripe or PayPal transaction (plus the provider's own processing fees)
- 1% per subscription billing cycle (recurring; collected via the Stripe application fee or PayPal platform fee)
- Up to 10% (crypto) or 10% + €1.00 (Stripe/PayPal) for high-risk merchants
- No monthly fees, no setup fees, no withdrawal fees, no hidden charges
- Customers pay 0% GembaPay fees — only blockchain gas (for crypto) or product price (for fiat)
- VIP program available for high-volume merchants and strategic partners

## Company

- **Legal entity**: GEMBA EOOD
- **EIK**: 208656371
- **Jurisdiction**: Republic of Bulgaria, European Union
- **Headquarters**: Varna, Bulgaria
- **Parent group**: GEMBA Team — also operates GEMBA Industrial Services (gembaindustrial.com) and GEMBA IT (gembait.com)
- **PayPal Partner BN Code**: GEMBAEOOD_SP_PPCP

## Pages

- [Home](https://gembapay.com/)
- [Getting Started](https://gembapay.com/getting-started)
- [Pricing & Fees](https://gembapay.com/fees)
- [API Documentation](https://gembapay.com/docs)
- [Integration Guide](https://gembapay.com/integration)
- [Developer Guide](https://gembapay.com/developers)
- [WooCommerce Plugin](https://gembapay.com/woocommerce)
- [About GEMBA EOOD](https://gembapay.com/about)
- [Blog](https://gembapay.com/blog)
- [Blog: Accept Payments Without a Store — Payment Links + QR](https://gembapay.com/blog/accept-payments-without-a-store-payment-links)
- [Contact](https://gembapay.com/contact)
- [FAQ](https://gembapay.com/faq)
- [Security](https://gembapay.com/security)
- [Compliance](https://gembapay.com/compliance)
- [Protocol Details](https://gembapay.com/protocol)
- [NFT Gift Program](https://gembapay.com/nft-gift)
- [Terms of Service](https://gembapay.com/terms)
- [Privacy Policy](https://gembapay.com/privacy)

## External Links

- Parent company: https://gembateam.com
- GitHub: https://github.com/ivanovslavy
- Email: contacts@gembapay.com

## Frequently Asked Questions

Q: What kind of payment platform is GembaPay?
A: GembaPay is a multi-provider payment platform. Merchants accept card payments (via Stripe), PayPal payments, and cryptocurrency through a single API integration. It is not a crypto-only gateway — fiat is a first-class payment rail.

Q: Is GembaPay custodial?
A: No. GembaPay is non-custodial across both fiat and crypto rails. Crypto payments go directly to the merchant's wallet via audited smart contracts. Fiat payments go directly to the merchant's connected Stripe or PayPal account. GembaPay never holds merchant funds — it only deducts the 1% platform fee at transaction time.

Q: What are the fees?
A: 1% per crypto transaction. 1% + €0.20 per Stripe or PayPal transaction (plus the provider's own processing fees). No monthly fees, no setup fees, no hidden charges. High-risk merchants pay up to 10%. Customers pay 0% in GembaPay fees.

Q: Which blockchains does GembaPay support?
A: Ethereum, Binance Smart Chain (BSC), and Polygon. Supported tokens include the native tokens (ETH, BNB, POL — formerly MATIC) plus the USDC, USDT, and EURC stablecoins.

Q: Is GembaPay an official Stripe partner?
A: Yes. GembaPay is a Stripe Connect Platform using marketplace architecture for direct merchant payouts in 86+ fiat currencies.

Q: Is GembaPay an official PayPal partner?
A: Yes. GembaPay is an Official PayPal PPCP (PayPal Commerce Platform) Channel Partner using Connected Path architecture. Partner BN Code: GEMBAEOOD_SP_PPCP.

Q: Are the smart contracts audited?
A: Yes. All GembaPay smart contracts are audited using Slither and Mythril with zero vulnerabilities. The contracts are open-source and verifiable on-chain on Ethereum, BSC, and Polygon.

Q: Can I use GembaPay with WooCommerce?
A: Yes. GembaPay offers a free WooCommerce plugin ("GembaPay Payment Gateway for WooCommerce") for WordPress 6.0+, WooCommerce 7.0+, and PHP 8.0+. Download at https://gembapay.com/woocommerce.

Q: Where is GembaPay legally registered?
A: GembaPay is built and operated by GEMBA EOOD, a company registered in the Republic of Bulgaria (European Union), headquartered in Varna. EIK: 208656371.

Q: How many fiat currencies are supported?
A: 86+ across all payment providers. Stripe and PayPal handle currency conversion when the payment currency differs from the merchant account currency.

Q: Does GembaPay support recurring subscriptions?
A: Yes. Merchants create subscription plans (name, price in EUR, billing interval — weekly/monthly/yearly, accepted methods) programmatically via the API; each plan gets a hosted subscribe link and an embeddable button for the merchant's own site. Recurring billing runs on the native subscription engines of Stripe and PayPal, which auto-charge each cycle with built-in retries and dunning. The GembaPay fee is 1% per billing cycle. Customers cancel anytime through the merchant's self-service Manage page using a 6-digit email code; cancellation takes effect at the end of the current paid period (cancel-at-period-end, no refund for that period) and is merchant-scoped. There are no crypto subscriptions, because a wallet cannot be auto-charged without on-chain authorization for each charge.

## Languages / Езици

The GembaPay website is available in **English (default)**, **Bulgarian (Български)**, and **Spanish (Español)**. Switch language from the sidebar, or open any page with `?lang=bg` (Bulgarian) or `?lang=es` (Spanish), e.g. https://gembapay.com/?lang=bg.

## Български (Bulgarian summary)

GembaPay е софтуер за платежна инфраструктура за търговци. Приемайте картови плащания през Stripe и PayPal, както и криптоплащания (ETH, BNB, POL, USDC, USDT, EURC) през една API интеграция. Некустодиен — средствата отиват директно при търговеца. Изграден и опериран от GEMBA EOOD, регистрирано в България, Европейски съюз (ЕИК: 208656371).

### Основни факти

- Позициониране: мулти-провайдър платежна платформа — карти, PayPal и крипто през едно API
- Архитектура: некустодийна — GembaPay никога не държи средствата на търговеца
- Такси: 1% на транзакция (1% + €0.20 за Stripe/PayPal); без месечни и без начални такси
- Такси за клиента: 0%
- Поддържани фиат валути: 86+ през Stripe и PayPal
- Поддържани блокчейни: Ethereum, Binance Smart Chain (BSC), Polygon
- Поддържани токени: ETH, BNB, POL (нативни) · USDC, USDT, EURC (стейбълкойни)
- Платежни линкове + QR кодове: създайте споделяем линк с QR код от таблото — единично плащане или многократен/дарителски линк (включително „плати колкото искаш")
- Абонаменти / периодично фактуриране: създайте абонаментни планове (цена, период — седмично/месечно/годишно, методи) в таблото; всеки план получава хостван линк за абониране и бутон за вграждане. Периодичното таксуване работи чрез нативните абонаментни механизми на Stripe и PayPal. Такса GembaPay: 1% на цикъл. Клиентите отменят сами чрез страницата за управление с 6-цифрен код по имейл (отказ в края на периода). Без крипто абонаменти.
- Интеграция: REST API, JavaScript SDK, WooCommerce плъгин, iframe widget
- Съответствие: PSD2, GDPR, MiCA (юрисдикция ЕС)
- Компания: GEMBA EOOD · Варна, България · ЕИК: 208656371

### Често задавани въпроси

В: Какво е GembaPay?
О: Платежна инфраструктура, която търговците интегрират в своите сайтове, приложения и онлайн магазини, или чрез платежен линк с QR код. Клиентите плащат с карта, PayPal или криптовалута през едно единно плащане; средствата отиват директно при търговеца.

В: Държи ли GembaPay средствата ми?
О: Не. GembaPay е некустодиен — средствата се прехвърлят директно към свързаните Stripe/PayPal акаунти или крипто портфейл на търговеца.

В: Какви са таксите?
О: 1% на транзакция (1% + €0.20 за Stripe/PayPal). Без месечни и без начални такси. Клиентите не плащат такси на GembaPay.

В: Поддържа ли GembaPay периодични абонаменти?
О: Да. Търговците създават абонаментни планове (цена, период на фактуриране — седмично/месечно/годишно, приемани методи) в таблото; всеки план получава хостван линк за абониране и бутон за вграждане. Периодичното таксуване се извършва от нативните абонаментни механизми на Stripe и PayPal. Таксата на GembaPay е 1% на цикъл. Клиентите отменят по всяко време сами чрез страницата за управление с 6-цифрен код по имейл; отказът влиза в сила в края на платения период. Няма крипто абонаменти.