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Martin Khemmoro has spent much of his career dealing with a problem that can catch businesses off guard when they expand internationally. A company may have customers waiting in another country and a website ready to take their orders, only to discover that accepting payments there requires banking relationships it doesn’t have.
As managing director of iMerchant, Khemmoro works with financial institutions and businesses navigating those requirements. His experience spans North America and Europe, with relationships extending across the Middle East and Asia. Much of his work involves connecting businesses with financial partners capable of supporting their operations in different markets.
The technology behind international payments has advanced considerably, but establishing the right banking relationships remains a demanding part of the process. Financial institutions have their own underwriting standards and regulatory obligations, which can make entering a new market more complicated than connecting to another payment gateway.
Khemmoro has worked with banks and payment providers throughout his career, advising organizations on international expansion and the commercial arrangements needed to support it. He understands that businesses often encounter their greatest difficulties after they’ve already identified an opportunity abroad.
“A business can be ready to enter a new market long before its payment arrangements are ready. I’ve spent much of my career helping companies close that gap by finding banking partners who understand where they’re trying to go,” says Khemmoro.
At iMerchant, that experience informs the company’s approach to international payment processing. Its services include merchant acquiring and payment orchestration, allowing businesses to manage transactions through different processing relationships.
The orchestration technology can direct transactions according to configured rules, including geography and available acquiring arrangements. For businesses operating in several markets, the ability to coordinate those connections through one platform can reduce the amount of separate infrastructure they need to manage.
Still, Khemmoro’s involvement goes beyond determining which technology a business should use. Banks have to understand the merchants they’re supporting, particularly when a company operates in an unfamiliar industry or handles transactions across several jurisdictions.
Building those relationships takes time, and the commercial discussions often involve questions that have little to do with software. Financial institutions need to understand where a merchant operates and how its business generates revenue. Khemmoro’s role is to help navigate those considerations while identifying arrangements that can support the company’s plans.
“You can’t solve every merchant’s problem by adding another processor. Sometimes the missing piece is a banking relationship that fits how the business actually operates,” says Khemmoro.
His background includes executive education at Harvard Business School, alongside years of experience working with payment service providers and financial institutions. That combination of business strategy and industry knowledge has become increasingly relevant as iMerchant expands its international capabilities.
Khemmoro also serves as executive vice president of MannyPay Global. In August 2026, MannyPay announced a global payment-facilitator offering developed with iMerchant and powered by Adyen. The partnership provides a recent example of iMerchant’s work supporting other financial-technology businesses, drawing on its payment-orchestration capabilities and experience with international acquiring relationships.
His involvement at iMerchant extends outside the financial industry as well. The company has supported community initiatives, including a collaboration with the Drops Foundation to provide musical instruments to schoolchildren in Kenya.
Khemmoro has spoken about the opportunities that access to music can provide. In remarks published on iMerchant’s community page, he described how “a single piano can open a new world of imagination,” expressing an interest in helping children discover creative opportunities they might otherwise never have.
iMerchant has also developed a relationship with MDMotivator, the charitable initiative associated with social media personality Zachery Dereniowski. The partnership connects participating businesses’ payment processing with support for charitable activities, including assistance for individuals and families experiencing financial hardship.
Those efforts have given Khemmoro opportunities to participate in projects beyond the banking relationships that occupy much of his professional attention. They also reflect another side of the company he helps lead, which has chosen to support community programs alongside its international payments business.
As iMerchant expands its work with financial institutions and commercial partners, Khemmoro remains closely involved in developing those relationships. Much of that work happens through conversations with banks and businesses long before a new payment arrangement goes live, and it continues as merchants enter additional markets.
