👉Escaping Stripe: How Noomerik Is Changing the Game for Agencies and SaaS Founders

If you’ve ever woken up to a “Your Stripe account has been terminated” email, you know that gut punch feeling. You built something solid, sales are rolling in, and suddenly—poof—your payment processor decides you’re too “risky.”

That’s exactly the pain point that led Josh, founder of Noomerik, to build an alternative payment solution tailor-made for HighLevel users and digital entrepreneurs who are sick of being at the mercy of Stripe, PayPal, and Square.

In a recent interview on the Level Up Your SaaS channel, host Jenna Leadingham sat down with Josh to unpack how Noomerik came to be, why the payment industry is more cutthroat than people realize, add revenue within their saas, and how agencies can finally protect their cash flow without getting blindsided by arbitrary shutdowns.

💡 The “Fell-Backwards-Into-It” Origin Story

Josh’s career spans over 30 years in sales and marketing. He wasn’t looking to reinvent the payments wheel—he just started paying attention to what frustrated people were saying inside the HighLevel Facebook group.

Back in 2019, he was helping a wholesale ISO (Independent Sales Organization) get their marketing digital. That’s when he noticed the same complaints surfacing again and again:

“Stripe froze my funds.”
“My account got shut down for no reason.”
“I can’t process high-ticket offers without limits.”

So Josh decided to build something better.

“I’d had my own businesses for years, but this time around, I paid attention—really paid attention—to people’s pain points,” he said.

When his then-employer hesitated, Josh doubled down, invested his own money, and launched Noomerik, a payment platform built from the ground up to solve the problems agencies and SaaS businesses face every day.

🏦 The Payment Pyramid (and Where Noomerik Fits)

Here’s the quick breakdown Josh gave of how the payment world actually works:

• Processors: The titans at the top (6–10 in the U.S.) moving trillions of dollars a year.
  

• Sponsor/Acquiring Banks: The big-money partners who hold the financial risk.
  

• ISOs (Independent Sales Orgs): Middle players that help merchants connect with those banks.
  

• Retail ISOs (where Noomerik sits): The front-line service providers that work directly with business owners.

In other words, Noomerik isn’t pretending to be a “processor” like Stripe or PayPal. They’re operating at the retail ISO level—where the real relationships and risk management happen.

⚔️ The Cutthroat Game of Payments

According to Josh, the payments space is a race to the bottom:

“Everyone’s chasing the price to the floor—‘you’re at 35 basis points, I’ll do 30.’ It’s a knife fight over pennies.”

And the big players like Stripe, PayPal, and Square? They make it sound easy because they’re “payment facilitators.” They let you onboard instantly—but they also take on all the risk.

That means if anything looks off—too many refunds, chargebacks, or just a product they don’t understand—they can freeze or close your account without notice.

Noomerik flips that script. By working directly with banks and using dual pricing, business owners can shift transaction costs to the customer in a transparent, compliant way.

💳 Dual Pricing: The Real Edge

Noomerik’s secret weapon is dual pricing, which lets you offer customers two options at checkout:

1. Pay by Credit Card — includes standard processing fees
   

2. Pay by ACH (Bank) — lower-cost option

That means you, the business owner, don’t eat those transaction costs anymore. The customer decides whether convenience is worth the fee.

And here’s the kicker: despite the cheaper ACH option, 98% of customers still choose to pay with a credit card. Why? Convenience, rewards points, and buyer protection.

So you save money—without losing conversions.

⚙️ Simple Integration with High Level

If you’re already using Go High Level (High Level), you can plug in Noomerik directly.

• Use it in funnels, invoices, text-to-pay links, and contracts.
  

• Install the app from the HighLevel Marketplace.
  

• The customer experience stays seamless—just with more options and fewer risks.

Josh demonstrated how the form dynamically switches between credit card and ACH pricing, all within the familiar High Level interface.

“It’s literally just a payment form with two buttons,” he explained. “The customer picks how they want to pay, and we handle the rest.”

🧩 Transparent Onboarding and Real Reporting

Josh doesn’t sugarcoat the process: Noomerik requires proper documentation—business info, ID, and bank statements—to prevent fraud and money laundering.

“If you give me everything I need, I can get same-day approval,” he said.
“If you hem and haw about it, it just takes longer.”

Once approved, users get:

• Monthly statements with full transaction breakdowns
  

• Data on card types, countries, and costs to the penny
  

• Compatibility with High Level dashboards for lifetime value (LTV) and sales reports

And the savings? Agencies doing $10K+/month typically cut costs by 70–80% compared to Stripe.

🧠 Final Thoughts: The Power of Paying Attention

Josh’s success with Noomerik didn’t come from chasing hype—it came from listening.

He watched where business owners were hurting, studied the structure of the industry, and built something that actually solved the problem instead of repackaging it.

That’s the ethos behind Level Up Your SaaS: pay attention, innovate where others ignore, and build solutions that last.

👉 Want to see Noomerik in action?
Check out the full interview with Josh on the Level Up Your SaaS YouTube channel — and if you’re ready to scale smarter (and safer), join our growing community of High Level users leveling up their systems, one smart move at a time.