Ray Zak is the Founder and CEO of Integrity Business Partners (IBP), a leading provider of payment technology, marketing and automation services that delivers innovative solutions direct to small to mid sized business owners.
About IBP
At Integrity Business Partners, we’re all about solving your toughest challenges.
If you operate in high-risk, healthcare, cannabis, retail, restaurants, digital-first, or other industries others avoid—you know the stakes.
With us, you’re not just a client—you’re a partner powering growth from the inside out.
Our Team
Integrity Business Partners
William Murray
Director of Business Development
15+ Years Experience
Digital & Traditional Marketing
10+ Years Experience
Business Development
Located in Sacramento, leading teams and serving clients Nationally.
Award Winning Web Designer
As Director of Business Development, William Murray specializes in building systems across health, cannabis, retail and e-commerce. He focuses on creating trust infrastructure that enables businesses to scale, strengthen client relationships, and achieve lasting growth.
Cindy Murray
Business Development Partner
10+ Years Experience
Sales & Marketing
10+ Years Experience
Business Development
Located in Sacramento, leading teams and serving clients Nationally.
Specializing in Cybersecurity, AI & Business Automation
As a Full IBP Business Development Partner, Cindy Murray specializes in cybersecurity, AI, and business automation.
She focuses on building the trust infrastructure and smart systems that help businesses scale, strengthen client relationships, and achieve lasting growth.
Our Mission
At Integrity Business Partners, we stand with you—the bold businesses others avoid.
We break down barriers in cannabis, health, retail, and e-commerce, delivering seamless payments, marketing, and protection tailored to your unique challenges.
Our mission is to give you control, clarity, and confidence—fueling your growth without compromise or confusion.
Together, we make what’s hard, simple.
Client Testimonials
"Honestly didn’t expect it to be this smooth. We were getting declined everywhere, but SimplePay got us approved fast. Been solid since."
Marcus R.
Dispensary Owner
"I’m not super techy and usually hate dealing with payment stuff, but they actually walked me through everything step by step. Super helpful team."
Tina M.
Boutique Café Owner
"We switched over after our old processor raised rates without telling us. These guys answer the phone, which is rare these days."
Devon L.
Online Smoke Shop
Frequently Asked Questions
What services does Integrity Business Partners offer?
We help businesses grow by offering tailored solutions in payment processing, business development, marketing, and brand strategy. Whether you’re starting up or scaling up, we provide the tools and support to take you to the next level.
How does Integrity help with payment processing?
When you partner with Integrity Business Partners, you skip the middlemen.
Our proprietary SimplePay system connects you directly to major card networks like Visa, MasterCard, Discover, and Amex—so you’re not just using a processor, you are the processor. That means lower fees, faster approvals, and full control of your revenue flow.
More Than Payments
We’re more than payments. We back you with real one-on-one support, in-house marketing, and automation tools to help your business grow—not just run.
We’re built for bold industries others avoid—like cannabis, high-risk, health, dental, e-commerce, retail, and bars. If your business is complex, we’re the team that makes it simple.
What about your company makes your business development approach different?
We don’t pitch cookie-cutter strategies. We get in the trenches with you, identifying growth opportunities specific to your industry, market, and goals — and then we help you execute with clarity and confidence.
Can you help rebrand my business or launch a new brand?
Absolutely. From naming and logos to full identity systems and messaging, we create brands that connect emotionally and stand out visually. Whether you’re starting fresh or pivoting, we help your brand tell a powerful story.
What kind of businesses do you work with?
We work with a wide range — retail, e-commerce, hospitality, health, cannabis, and more. If you’re a growth-minded business ready to streamline operations and grow revenue, we’re ready to help.
How do I know if your marketing strategies will work for me?
Because it’s not just a strategy—it’s built around your business, industry, and revenue goals. We don’t use cookie-cutter funnels or recycled agency tactics.
The Bottom Line
We build, test, and optimize in-house based on real-time data from your payment flow, so every move is tied to results. If you want growth, we’ll find where it’s hiding and unlock it.
Is there a long-term contract or setup fee?
No long-term contracts unless you want one. We believe in earning your trust month by month. And most of our setup work is included as part of our partnership, with no surprise fees.
How do I get started with Integrity?
Simple — just reach out through our contact form or give us a call. We’ll schedule a free strategy session to learn about your business and show you where we can add immediate value.
Let's talk business.
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