Real-time payments at near-zero cost already transformed India and Brazil. We're bringing that model to the United States — starting with loyalty, ending with a new payment network.
India's UPI processes over 20 billion transactions per month at zero interchange. Brazil's Pix handles 250 million daily payments with no card fees. These systems proved that real-time, near-zero-cost payment networks aren't just possible — they're transformative. Ropian is bringing that model to the United States.
We start with loyalty because trust is built before transactions. When a store's customers already use Ropian for their member pricing, accepting Ropian Pay is a natural next step — not a leap of faith.
Every time you swipe a credit card, the merchant pays 2.5–3% to Visa, Mastercard, and the banks in between. That cost is embedded in the price of everything you buy — even if you pay cash. Ropian eliminates this cost entirely by processing transactions directly between the customer's bank and the merchant, with no card network in between.
$198B
US card fees in 2025
0.5%
Ropian's merchant fee
85%
Savings per transaction
Engineer by training, Harvard Business School MBA, and serial entrepreneur with 23+ years of building companies. Sam founded Scorelogix, developing IP-protected credit scoring and job security scoring technologies since 1999 — giving him deep expertise in the intersection of credit, payments, and AI. As founder of Amazica Holdings, he operates a portfolio of AI-first ventures across fintech, food service, and technology.
Ropian was born from a simple observation: the payment infrastructure that costs American businesses $198 billion a year has already been disrupted in India and Brazil. It's time for the US to catch up.