ISO Success with Payliance:
Boost Merchant Payments & Maximize Revenue
Drive your ISO growth through merchant success with Payliance’s flexible payment solutions.
Our reseller programs help you:
- Increase residual income
- Expand your merchant portfolio
- Build profitable long-term relationships
- Choose from Referral, Retail, or Wholesale ISO Programs to match your business strategy.
Whether you prefer earning through referrals or controlling the entire sales process, Payliance offers tailored solutions that enhance customer satisfaction and retention. Empower your merchants with efficient payment experiences that drive your growth.
Key Verticals:
 | Age Restricted Products or Services |  | Gaming and Entertainment |
 | Attorneys/Legal Services |  | Health and Wellness |
 | CBD |  | Financial Services |
 | Collection Agencies |  | Telecommunications |
 | Legal Wagering |  | Subscription Services |
 | Multi-Level Marketing |  | Travel and Hospitality |
 | Nutraceuticals |  | Education and Membership Organizations |
 | Travel Related Services (including travel agents) |  | Debt Collection Agencies |
 | E-commerce and Online Retail |
Why Partner with Payliance?
With over 40,000 merchant locations served and $63B processed annually, Payliance is a trusted leader in payment processing. By partnering with us, you gain access to a comprehensive suite of solutions designed to grow your ISO business while serving a diverse range of merchants across high-risk and low-risk markets.
Key Benefits of Partnering with Payliance:
- Same Day and Next Day ACH: Help your merchants optimize cash flow with expedited payment processing options.
- Remotely Created Checks (RCC): Supplement ACH transactions with RCC to capture unserved markets and improve return rate management, ensuring compliance and minimizing unauthorized returns.
- Verification Solutions: Value-add solutions that increase merchant retention and reduce fraud rates.
- Dedicated ISO Channel Managers and Sales Support: With expert guidance and support, enhance your offerings and maximize your revenue potential.
Why ISOs Choose Payliance:
- Expand Your Merchant Base: Support various industries, offering solutions for high-risk and low-risk merchants.
- Increase Revenue Streams: Maximize profits through flexible pricing and favorable revenue splits.
- Strengthen Merchant Relationships: Offer value-added services that create long-term loyalty and satisfaction.
- Leverage Advanced Technology: Stay competitive with advanced fraud prevention, automated workflows, and seamless integrations that streamline operations.
- Sponsor Bank and ODFI Redundancy: Payliance leverages multiple banking relationships to match your merchants with the best banking partner to reduce cost and increase margin.
- Flexible Billing Models: Payliance can handle the merchant invoicing or invoice your merchants directly.
Unlock New Opportunities with Payliance ACH Solutions
ACH is an essential payment method for merchants across many industries, enabling efficient, low-cost transactions. With Payliance, you can offer advanced ACH solutions catering to high-risk and low-risk merchants, expanding your reach and creating new revenue opportunities.
Payliance provides tailored ACH underwriting for merchants across a variety of risk profiles. Whether your merchants are high-risk or low-risk, you can rely on our secure, compliant, and reliable ACH processing, even for those underserved by other processors.
Serve All Risk Levels
ACH Payment Options to Meet Business Needs
Our ACH solutions offer the flexibility and speed your merchants need to optimize cash flow and maintain customer satisfaction:
- Same-Day and Next-Day Processing: Merchants can choose payment processing speeds that fit their business.
- Late Cut-Off and Non-Business Day Processing: Give your merchants flexibility with extended processing times—even on weekends and holidays.
- Redundant Banking Networks: Multiple ODFI relationships ensure reliable ACH processing.
- Seamless Gateway Integrations: Payliance is pre-integrated with leading payment gateways, such as NMI, USAePay, PayTrace, and more.
- ACH Recurring Billing: ReceivablesPro is a standalone ACH recurring billing platform that allows merchants to reduce processing costs.
Payliance ACH Processing Advantages
| ODFI Redundancy | Multiple banking relationships ensure maximum reliability and support for all risk profiles |
| High Transaction Uptime | Redundant networks and multiple bank sponsors deliver optimal transaction processing performance |
| Same-Day and Next-Day Processing | Late cut-off times and non-business day processing options |
| Low Transaction Fees | Provide cost-effective alternatives to card payments |
| Industry-Leading Compliance | Built-in Nacha compliance, fraud prevention, and return rate monitoring |
| Detailed Reporting | Flexible configuration options for reporting, settlement, and invoices |
| Multiple Integration Methods | API, batch file processing, or web-based virtual terminal |
| Merchant Service Tools | Full-service merchant portal with cloud-based reporting |
| Return Rate Parameters | Clearly defined limitations: <15% Overall Returns, <3% Administrative Returns, <0.5% Unauthorized Returns |
RCC Processing Advantages
| Higher Risk Tolerance | Use case-based return rates up to 75% (vs. ACH’s 15%) |
| Regulatory Compliance | Compliant with UCC, Reg CC, Reg J, and Check 21 Act |
| Cost Control | Leverage consolidated returns to control costs |
| Risk Management | Only 1% unauthorized return limitation |
| Improved Returns Management | Supplement ACH processing for optimal returns handling |
| Proven Track Record | 15 years of experience, 200+ Resellers, 40K+ Merchants |
Deliver Value with Advanced Fraud Prevention and Compliance Tools
Mitigate risk for your merchants with best-in-class fraud prevention and verification solutions that ensure compliance and reduce transaction returns.
VeriTrac®: Our bank account verification tool quickly identifies high-risk accounts and validates consumer data, reducing ACH returns and ensuring compliance with KYC and AML requirements.
Card Verify with Visa ANI: Instantly verify credit, debit, and prepaid cards, providing AVS, BIN details, card issuer information, and Visa Account Number Intelligence (ANI) for enhanced fraud detection and transaction security.
Launch Your White-Label Self-Service Merchant Portal
Protect merchant relationships with a branded ACH and check payment portal
Give your merchants a secure, branded hub for ACH and check payments, reporting, and account management. Deploy in 1-2 weeks with the same enterprise platform processing $63B annually. Your brand stays front and center while merchants self-serve routine tasks 24/7, reducing support tickets and strengthening daily touchpoints that build loyalty.
Key Capabilities:
- Transaction Management: Real-time search, settlement views, returns, and statements
- Payment Processing: Virtual terminal, refunds, recurring schedules, and remote check deposits (RDC)
- Self-Service Admin: User management, bank changes, and limit requests with built-in approvals
- Bulk Migration: Onboard your entire merchant base via CSV upload
- Enterprise Security: SOC 2 Type II certified with redundant ODFI coverage
Bottom line: While competitors force merchants to call for reports, you’ll offer the modern experience that keeps them loyal.
Seamless Integration for Effortless Merchant Onboarding
Simplify the technical setup and onboarding process for your merchants with Payliance’s easy-to-use integration capabilities. Whether you need a pre-built solution or custom API integration, Payliance ensures smooth and fast merchant onboarding.
Gateway Integrations
Provide your merchants with flexibility by integrating with a wide array of payment gateways, including:
- NMI
- USAePay
- TSYS
Accelerate Merchant Onboarding
Onboard your merchants faster with Payliance’s process which automates over 80% of the onboarding workflow:
- Cost Efficiency: Eliminate paper applications and reduce manual labor through automation.
- Enhanced Merchant Experience: Real-time data verification reduces onboarding times, while maintaining compliance with KYC, AML, and other regulations.
- Reseller API: Create merchant underwriting cases and receive status updates via API by sending merchant information, applications, and supporting documents directly to Payliance.
Drive ISO Success with Flexible Funding and Competitive Pricing
Short Funding Periods for Your Merchants
Improve merchant cash flow with expedited funding options. Faster access to capital helps merchants operate smoothly and pursue new growth opportunities.
Maximize Your Earnings with Flexible Billing
Offer customizable billing models that align with your merchants’ business needs:
- Flat-Rate, Tiered, or Interchange-Plus Pricing: Tailor billing based on merchant transaction volume and model.
- Wholesale Buy Rates and Revenue Sharing: Competitive buy rates and flexible revenue split models boost profitability, allowing you to offer merchants cost-effective solutions while maximizing your own earnings.
Enhance Revenue with Payliance’s Payment Recovery Suite
Help your merchants recover lost revenue and improve cash flow with Payliance’s Payment Recovery Suite. This includes:
- Automated Re-presentment Services
- Chargeback Management
- Debt Collection Tools
- Returned Item Processing
These solutions reduce losses and optimize the payment recovery process, ensuring merchants retain more revenue.
Gain Actionable Insights to Grow Your ISO Business
Payliance’s robust reporting tools provide real-time performance insights for your agents and merchants. Track transaction histories, identify growth opportunities, and make data-driven decisions to optimize profitability.
Get Started
Partnering with Payliance unlocks new growth opportunities and delivers unparalleled value to your merchants. Start submitting applications today, or leverage our application upload feature to underwrite already approved merchants on card or ACH quickly.
Contact us today to learn how we can help you increase profits and expand your reach.
Reseller Program Options
-
Referral Partner Program
-
Retail ISO Program
-
Wholesale ISO Program
Join as a Referral Partner and delegate the intricate tasks to Payliance all while you earn a competitive share of the revenue.
Key Benefits:
- Our seasoned experts will engage, negotiate, and finalize deals with merchants on your behalf.
- Broaden your client base with a user-friendly, integrated payments solution.
- Establish additional, recurring revenue channels.
- Secure a competitive edge, even without specialized knowledge in payments.
Through our Retail ISO Program, you take the lead in selling, pricing, and finalizing deals with your merchants while Payliance manages the financial settlement and invoicing, streamlining your operations.
Key Benefits:
- Gain time to focus on strategy, product development, or other high-value activities.
- Dedicated one-on-one support.
- Maintain control of your portfolio by pricing and closing merchants while earning a competitive percentage of revenue.
In our Wholesale ISO Program, retain ownership of invoicing, enabling a consolidated and simplified billing process across all programs and services offered to your merchants.
Key Benefits:
- Customize to fit your needs by taking settlement and/or invoicing in-house.
- Exercise greater control over your hold days by directly settling funds with your merchant base.
- Negotiate and set financial terms specifically tailored to each merchant’s situation, strengthening relationships and potentially increasing customer loyalty.
- Control invoicing and settlement or delegate these tasks to Payliance until you are ready to take them in-house.
- Dedicated one-on-one support.