Three Founders.

One Vision.

To Make an Impact.

Before Pinpoint ever existed, the paths of Ben Grossman, Gilboa Merginger, and Nicholas “Nico” Ruggieri would intersect inside the fast-moving, high-risk world of eCommerce and affiliate marketing.

• Ben and Gil had been building together for years—friends since school and neighbors as adults. They scaled multiple businesses, from insurance to online retail. Known for their sharp instincts and ability to navigate high-pressure growth, they had seen what it really takes to scale a company from zero to success.
  
• Nico would later join them, quickly becoming a key player. He was instrumental in building the company’s fraud prevention and chargeback management system, a system that saved the business millions.

The three worked closely with behind-the-scenes operators—one in particular whose talent and insight would prove pivotal not just in that moment, but years later.

When Ben and Gil exited the company, the entire team—including Nico—was let go. There was no soft landing, no next chapter mapped out.

But out of uncertainty came a spark.

Instead of parting ways, the three decided to build something from scratch—pulling together their collective experience, aligned values, and a belief that the industry was ready for something better.

That spark became a leap of faith.

At that crossroads, they chose not to walk away, but to build the kind of company they wished had existed when they needed it most.

They launched not as a payments company, but as a fraud and chargeback prevention service—focused on helping businesses protect themselves in the same ways they once had to. The playbook wasn’t hypothetical. It was battle-tested.

But what began as a protection service quickly evolved. Clients didn’t just want help surviving—they wanted help scaling. They needed partners who could provide merchant services with the added benefit of real-world understanding.

And that’s exactly what Ben, Gil, and Nico brought to the table.

Unlike traditional providers, Pinpoint wasn’t born from banking. It was built by entrepreneurs who had been on the other side of the table. They had felt the sting of shutdowns, survived fraud waves, and learned—firsthand—what it takes to keep a high-risk business alive and growing.

They didn’t pivot into payments to chase profit.

They stepped into it because the industry needed someone who understood it from the inside out. Each founder brought something essential

Pinpoint offers more than just payment processing. We offer perspective. Because we’ve lived the journey our clients are on right now.

In fact, that’s where the phrase “we’re not just a payment processor, we’re a payment partner” came from.

We’ve built the kinds of companies we now serve. We’ve fought fraud, disputed chargebacks, dealt with processor shutdowns, and carried the pressure of keeping everything moving when things felt like they were falling apart.

From idea to inception, Pinpoint Payments has been built on one thing: experience.