ISO Partner Program

Earn more from every closed deal. No leads. No overhead.

Your merchants have unique technology needs you can't fill alone. Paying.co delivers the builds, certifications, and integrations — and pays you on every closed deal. You keep the relationship. We do the work. You earn the commission.

SAMPLE PARTNER EARNINGSILLUSTRATIVE · Y1
CUSTOM BUILD

$100K project

$10K/mo billed over 10 months

$1,000/ MONTH
SAAS RESIDUAL

5 active clients

$400/mo average platform fee

$150/ MONTH
CERT + BUILD

$85K engagement

10% commission example

$8,500CLOSED DEAL
THREE-DEAL TOTAL · FIRST YEAR~$22K
131+EMV L3 certifications
100+person team
97%first-time pass rate
4continents served
01 · The opportunity

Your merchants have unique needs you need help to fill.

Twenty-five percent of US merchants still sign up through ISOs — but seventy-one percent are getting hit by fraud, and a majority need new payment integrations. The gap between what you sell and what your merchants actually need is your biggest untapped revenue opportunity. We close that gap.

25%of US merchants still sign up through ISOs
71%of businesses reported payment fraud attacks in 2023
62%of merchants need new payment integrations
$0overhead for you — we handle the entire delivery

The Paying.co solution.

Paying.co delivers the custom builds, certifications, and integrations your merchants need — and pays you on every closed deal. You introduce. We scope, deliver, and certify. You earn commission. Simple as that.

code Custom integrations & technical builds
verified EMV Level 2 & 3 certifications and PCI compliance
paid Lucrative commission on every closed deal
all_inclusive Recurring SaaS residuals on platform referrals
02 · How it works

Zero delivery responsibility. Three simple steps.

There are no quotas and no paid leads. Bring us a merchant need; we carry the opportunity from qualification through production.

STEP 01

Introduce

A merchant needs a build, certification, integration or platform. You make the introduction.

STEP 02

We deliver

Our team handles qualification, scoping, engineering, certification and launch.

STEP 03

You earn

Commission is paid as closed-deal revenue is collected. You retain the merchant relationship.

03 · The numbers

Project commissions now. SaaS residuals every month.

5–15%

Closed services revenue

Across custom builds, certifications, integrations and PCI/security work.

Recurring

Monthly SaaS commissions

Residuals on active referred accounts for eligible Paying.co-family platforms.

04 · What you're selling

A technology stack your merchants actually need.

The program is broader than certification. Partners can refer work across the engineering and technology stack.

CERTIFICATION

EMV Level 2 & 3

Certification programs across processors, kernels and terminal platforms.

ENGINEERING

Android payment apps

Native attended and unattended applications across major device platforms.

INTEGRATION

Payment APIs & gateways

Gateway, processor, POS and platform integration work.

SOFTWARE

Custom builds

End-to-end technical projects from specification through production support.

SECURITY

PCI & cybersecurity

Compliance, penetration testing and security engineering.

UNATTENDED

Vending & kiosk

HoneyBee, MDB, Pulse and custom self-service payment infrastructure.

05 · Where we play

We play where you sell.

Six core verticals where Paying.co's stack has shipped at scale. If your merchant is in any of these, there's almost certainly a service or platform we can match to their need.

storefront

Retail & QSR

End-to-end POS integrations, inventory syncing, and self-ordering kiosk builds for restaurants and retail.

hotel

Hospitality

Seamless payment solutions for hotels, resorts, and full-service restaurants — including PMS integrations.

local_grocery_store

Unattended / Vending

Cashless vending connectivity (MDB + Pulse), micro-market kiosks, and automated retail payment infrastructure.

ev_station

EV Charging & Transport

Station payment systems, parking meters, and comprehensive fleet management technology.

local_hospital

Healthcare Payments

HIPAA-compliant payment processing, patient portals, and medical billing integrations.

business_center

B2B & Enterprise SaaS

Custom enterprise platforms, API gateways, and complex software integrations for ISVs and B2B operators.

check_circle If your merchant processes payments, there's likely a Paying.co solution for them.
06 · Recurring revenue

Introduce the platform. Earn while the account stays active.

Landed

AI website & page builder

Fast, payment-ready digital experiences for merchants.

RECURRING % OF SAAS FEE
Rhumba

AI business agents

Production-ready agents for content, commerce insights and sales.

RECURRING % OF SAAS FEE
Puny

Secure link management

Branded links, QR, controls and analytics.

RECURRING % OF SAAS FEE
07 · Real results

What ISO partners are earning with Paying.co.

Three anonymized partner snapshots from the last twelve months. Different deal types, different verticals, same model — the partner introduced the opportunity, Paying.co delivered, the partner earned commission.

PARTNER A · PAYMENT PROCESSOR IN SOUTHEAST

Two enterprise merchants needing custom POS integrations

The partner introduced two enterprise merchants who needed custom POS integration work. Paying.co scoped, built, and delivered both. Closed $120K in project revenue without the partner writing a line of code.

$12,000earned over 12 months
PARTNER B · ISO SERVING MARKETING AGENCIES

Ten existing merchants converted to Rhumba

The partner introduced Rhumba to ten existing merchants. All ten converted to the monthly SaaS platform to handle digital presence and embedded payments. Monthly residual continues as long as accounts stay active.

~$300/moin recurring residuals
PARTNER C · MULTI-STATE ISO

EMV Level 3 certification plus a custom build

The partner referred a merchant requiring EMV Level 3 certification plus a custom build. Paying.co scoped, delivered, and certified the project as a single $85K engagement — ten percent paid to the partner.

$8,500commission earned
08 · Why Paying.co

We're not a POS company. We're your technology partner.

Three things that separate us from the typical referral program: real engineering capacity, packaged plus custom delivery, and full end-to-end ownership of the project from scope through certification.

trending_up

Results-Driven

Payment and unattended technologies that deliver measurable business outcomes for your merchants. We're judged on whether the project shipped and the merchant stayed.

groups

Not a Body Shop

We build scalable off-the-shelf solutions and custom builds with our 100+ engineers. Real products, real platforms, real intellectual property — not just hours billed to a task list.

handshake

End-to-End Partner

From initial scoping to technical delivery to certification — backed by 8+ years of payment-industry experience. One team, one accountable contact, one delivery.

♦ Trusted By

Partnerships spanning multiple respected companies.

Global Payments NMI Verifone Datacap Systems PAX North UCP
Become a Partner

Earn more from your existing book.

Tell us about your book of business and the kind of merchants you serve. We'll respond within one business day and set up a short call to walk through the commission program and onboarding.

schedule
Response within one business dayMost partner conversations start with a 30-minute intro call
block
No risk, no overhead, no quotasYou introduce. We close, scope, and deliver. Commission paid on closed deals only.
paid
5–15% on closed services revenuePlus recurring monthly residuals on Landed, Rhumba, and Puny.io accounts
engineering
You'll talk to a sales engineer, not a recruiterThe person you brief is the person who scopes your first deal
language
We speak your languageEnglish, Spanish, and Polish — fluent across our team and project leads

Start your project

Sales online

Tell us about your project — we route you to the right specialist.

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lock Your details go straight to our sales engineers — never shared or sold.