Keep your processor · white-label on your gateway
Keep your processor. We run the software.
You hold a processing relationship and a residual schedule you like. Keep both. You get the same branded environment, the same 150 ready-made editions, the same cohort onboarding, help center and support desk — connected to your gateway instead of ours.
Your gateway, your residualsSame environment and editionsHelp center and desk under your brandPricing in the partner agreement
ProcessingYour gateway, your processorResidual scheduleYours, under your own agreementSoftwareYour brand, our company behind itOnboardingIn cohorts, by our teamSupportYour reps tier one, our desk tier twoPricingIn the partner agreement
We confirm your gateway before you sign. We do not publish a list.
Who it's for
Partners who already own the rails
On our rails we earn an override on the processing. On your rails we do not, because it never touches us.
Registered ISOs with a schedule they likeYou hold a residual agreement you have no reason to leave, and a portfolio that leaks to Square and Toast. You need the software, not a new processor.
Processors that want a software lineYou have the merchants and the rails. Add a branded business platform your agents can lead with, without a year of building or a help desk to staff.
What's included
Everything in white-label, on your gateway
Same environment, same editions, same help center, same desk. The only thing that changes is whose gateway the money runs through.
A dedicated environment on your domainYour logo, login, email sender and help center. Hosted, backed up and updated by us; the technology underneath is never named.
150 ready-made editions at your price bookFull editions for the industries we know best, configured editions for dozens more, starting templates for the rest. Each merchant starts from the right one.
Cohort onboardingSend us the merchant and their merchant ID from your processor. We load the edition, import the data and hand over a working login, in cohorts of 50 to 100.
A branded help centerA written procedure and a recorded walkthrough for every feature, under your name, updated as features ship.
A support deskOur desk on chat and email during business hours (Eastern), with same-business-day callbacks. Your reps keep tier one if you prefer, or hand it all to us. Extended hours are an add-on.
Rep training, updates and custom buildsDemo accounts and a deck per vertical; new features shipped with the SOP and video; custom builds from $1,999 one-time, resold under your brand. Custom builds →
The deal, plainly
What we earn and what we don't
We don't earn on your processingYour merchants' card volume runs on your gateway and your processor agreement. We never see it, never touch it and take no share of it.
We do earn the softwareA monthly platform fee that steps down as your merchant count grows, a one-time onboarding charge per merchant, and a split of software revenue. The numbers are in the partner agreement, once we have seen your book.
You own your branded environment; we administer it for you. If we part ways you keep the environment, your merchants and your share on the merchants you boarded, and we won't solicit them.
Side by side
Your gateway or our rails
Same software, same desk, same environment. The question is who runs the payments and who is paid for them.
| Term | Keep your processor | Run on our rails |
|---|---|---|
| Processing | Your gateway, your processor | Our sponsor-bank processing partner |
| Merchant application | Yours | Ours; each account in the merchant's own name |
| Processing residual | Yours, under your own agreement | Paid under our processing partner's schedule; we earn an override |
| Software economics | Platform fee, per-merchant onboarding, software split | Platform fee, per-merchant onboarding, software split |
| Branding, help center, desk, updates | Same | Same |
| Time to live | Gateway connection quoted once we confirm it | Demo environment in three business days; first merchant in one to two weeks |
| Dual pricing and card-brand programs | Under your processor's rules | Compliant programs where state law allows |
Not sure which? Tell us your current schedule and portfolio and we quote both side by side.
Bring your own processing
Three steps to your first cohort
1
Confirm the gatewayTell us which gateway you run. We confirm it, and the time to connect it, before anything is signed.2
We load your environmentYour domain, logo, emails and login go live. Editions and your price book are loaded. Your reps learn the pitch and take tier one.3
You board in cohortsSend us each merchant and their merchant ID. We build the account, import their data and hand over a login. Invoices, card on file, pay links and hosted pages run through your gateway.FAQ
Keep-your-processor questions
Which gateways do you support?
We do not publish a list. Tell us which gateway you run and we confirm it, and the time to connect it, before you sign anything.
Do I need to be a registered ISO?
This option assumes you already hold your own processing relationship and gateway. If you do not, run on our rails instead: you are registered with our processing partner and paid under its schedule, and we earn an override.
How is it priced?
A monthly platform fee that steps down as your merchant count grows, a one-time onboarding charge per merchant, and a split of software revenue. The numbers are in the partner agreement, sent once we have seen your book. We earn nothing on your processing.
Can a merchant move to your rails later?
Yes, merchant by merchant, if you decide a product on our rails fits them. The merchant account is opened in the merchant's own name and the software does not change. We walk you through what it means for your residual first.
Can my merchants use banking or cards?
Yes. Business banking and cards are provided through our partner bank, subject to approval, and sit on the same login as the software. Merch FinTech is not a bank. See banking →
Keep your processor. Add the software.
Tell us your gateway and the size of your portfolio. We quote this and our rails side by side.
305-954-7362 · [email protected]