Caribbean Payments – Payments Made Simpl

About Us

Caribbean Payments

Caribbean Payments is a Puerto Rico-based company that offers payment processing services and consulting in this field. Our managing members have combined experience of over 35 years in the industry and are dedicated to making a positive impact in Puerto Rico. Caribbean Payments mission is to empower businesses by providing simple, reliable, and secure payment processing solutions while leveraging the latest technology advancements, to equip each business with the necessary tools to streamline their operations. Furthermore we strive to provide the best service in the industry by having a hands-on approach to tailor our payment solutions to each businesses specific needs.

We provide an extensive array of services to cater to businesses of all types. Whether you require check and ACH processing, a diverse selection of hardware and software solutions, robust payment gateways, or specialized support for high and low-risk businesses, we have you covered.

Contact us today to learn more about our services and how we can tailor payment solutions to meet your specific needs.

Meet the Experts

at Caribbean Payments

Joshua Lohrman - Managing Member

Joshua Lohrman has 12+ years in the banking and credit card industry. He graduated from The Fisher College of Business at The Ohio State University with a Business Finance Degree in 2004. During school and after graduation he was a manager in the Loss Prevention Department at Discover Card in New Albany, OH for 5 years…

Branden Cherchio - Sales

Meet Branden Cherchio, a payments industry expert with 16 years of experience with a focus on ISV integrations, processing hardware/software, and optimization. As a former Sr. Account Manager/ISV Director at EVO and graduate of Ohio State University’s BSBA in Business Administration program, Branden has a proven track record of success in modernizing and streamlining payments for businesses of all types. He is also a certified ETA CPP and PMP professional, further demonstrating their commitment to staying current in the industry and delivering top-notch results for clients.

Marco Oikkonen - Operations

Meet Marco Oikkonen. As a native to Puerto Rico, Marco saw a huge opportunity to bring superior service, rates, and new innovative solutions to the market.  With multiple years of experience in the payment industry, Marco brings a wealth of knowledge and expertise to the table. Certified as an ETA CPP professional, Marco is well-versed in the latest industry standards and best practices.


Carlos Balzac - Senior Account Manager

Born and raised in Puerto Rico, Carlos attended the University of Puerto Rico Mayaguez and later the University of Puerto Rico, Medical Sciences Campus where he earned his two master’s degrees. He is a highly motivated and dedicated individual with a strong background in administration and sales. As a Puerto Rican native he is deeply connected to his roots and is passionate about contributing to the expansion of Caribbean Payments with the ultimate goal of improving financial accessibility and inclusivity throughout Puerto Rico and the Caribbean region.

Ashish Saraf - Senior Support Representative

Ashish has more than 10 years of experience in the banking and insurance industry. Ashish is responsible for accounting, compliance, and underwriting here at Caribbean Payments and leads our administration team. His attention to detail and business processes lead to speedy underwriting, reduced cost, and timely approvals.

Our Processing Partners

At Caribbean Payments, we strive to provide you with the most advanced technology and reliable hardware, all to ensure a seamless payment processing experience. We work closely with our trusted partners, who share our values and are dedicated to promoting your business growth. Our round-the-clock customer support is always ready to assist you.