Whether you're a lender looking to round out your merchant services offering, an ISO agent with a book already built, or someone just getting started — we've structured programs for each. Pick yours below.
Every merchant on your book takes card payments. Most of them are overpaying a processor they don't like. We partner with banks, credit unions, and alternative lenders to offer processing as a value-add — deepening the relationship, unlocking revenue share, and giving you one more reason a borrower never leaves.
Get paid on every processing account you refer — for as long as that merchant stays with us. No one-time bounty, no expiration. The revenue stacks month after month.
A lender that only does lending is replaceable. A lender that also handles processing, payments, and AI-powered reconciliation is woven into the operations — much harder to walk away from.
For larger institutions, we offer white-label options. Your borrowers see your name and logo throughout the processing experience — from the merchant application to the statement format to the AI dashboard.
You don't need to become a payments company. Your team refers, we do the rest — underwriting, onboarding, hardware, ongoing support, PCI compliance, chargeback management. All the processing-specific expertise lives with us.
No complicated partnership agreement, no minimum commitments, no exclusivity clauses. Start with one referral and see how it goes.
A two-page partnership agreement. No exclusivity. Exit anytime with 30 days notice.
A 60-minute call. We show your team how to identify candidates and hand them off.
One email or one quick call. We take it from there — audit, proposal, onboarding.
First residual hits 60-90 days after the referral starts processing. Monthly from there.
You've built your book the hard way. You know which processors pay residuals on time and which ones get creative with the math. You know which ones your merchants call you about in frustration. Add us to your rotation and give the merchants who need us an option that actually works for them — and for you.
We pay residual splits that compete with anyone in the industry — and we pay them on time, every month, without games on how interchange pass-through gets calculated. Exact percentages depend on volume and structure, and we're upfront about them in your first conversation.
Need to close a deal where the merchant is pushing back on hardware cost? We have free terminal placement programs for qualified accounts — so you can remove that objection entirely.
Your competitors pitch rates. You pitch rates plus fraud scoring, chargeback prediction, and auto-reconciliation. The AI features aren't an add-on charge — they're included with every account — so you can close accounts that your competitors can't.
Underwriting, boarding, merchant support, chargebacks, PCI, statements — all handled on our side. Your job stays focused on sales. No merchant calls you at 11pm because the terminal won't boot.
We're intentionally selective about who we sign ISO agreements with. The agents who do best with us share a few traits.
We work best with agents who:
No hard minimums, but a realistic picture of who tends to thrive:
Most ISOs you could sign with assume you already have experience, an existing pipeline, or capital to float you through the early months. We work with agents starting from scratch — because the payments industry needs more good people, and the only way to get them is to help them succeed from day one.
Our onboarding program teaches you what actually matters: how to read a merchant statement, how to spot overpayment, how to structure a conversation, how to close without pressuring, and how to manage the accounts you sign.
You won't be handed a magic list of pre-qualified leads — that's not how this industry works. But you won't be starting from dialing random businesses either. We equip you with tools and structured outreach that generate real conversations from day one.
Starting a 1099 career in payments is lonely. You're selling a product you're still learning, you're competing with agents who've been doing this for a decade, and every "no" makes you wonder if you picked the right thing. We build support structures so you don't have to figure it out alone.
You'll know exactly what you earn per account, how residuals are calculated, and when you get paid — before you sign anything. No fuzzy "up to" numbers. No fine print that devalues your book after the fact.
Building a book takes time — there's no shortcut, and anyone who tells you otherwise is selling something. Here's a realistic path.
Training, shadowing, first outreach. Understand the product inside out before you pitch it.
First close, first residual check. Usually 2-4 accounts. This is where most quit — don't.
Pipeline compounds. Most agents see 10-15 active accounts by month 12 if they stay consistent.
Residuals become meaningful. Referrals accelerate. The hard year is year one.
Every partnership starts with a short conversation — 20 minutes to understand what you're looking for, whether we're a fit, and what the economics would realistically look like. No pressure, no sales pitch disguised as a discovery call.