Approvals that pay
We underwrite high-risk natively, so the verticals other processors send back, nutra, coaching, continuity, subscription, are the ones we board.
Partners
ISO & Agent Program
Sell high-risk processing and earn transparent, recurring residuals, without running underwriting, risk, or support yourself. Because we underwrite high-risk natively, the nutra, coaching, and subscription merchants other processors decline are the ones we board, so the deals you work to close actually pay. You own the relationship; we run the engine.
- Transparent residual splits
- High-risk approvals
- We run the underwriting
Answer first
Sell the merchants other programs send back
Every high-risk agent knows the pattern: you work a deal for weeks, the merchant signs, and the processor declines them at underwriting. The split didn’t matter, there was nothing to split. That’s the problem this program is built to fix. GivePayments underwrites high-risk verticals as its core business, so the supplement brand, the coaching company, the continuity-billing merchant, and the subscription platform that get bounced elsewhere are exactly the accounts we’re set up to approve.
An agent program is only as good as its approval rate, and ours is built on saying yes to the merchants that make high-risk worth selling. You bring and manage the relationship; we handle the underwriting, risk, and support underneath, so the deals you close actually pay.
What you get
A program built for the deals you actually work
Transparent splits
You see how your share is calculated rather than reconciling against a number you can’t verify. No black box over the residual.
Recurring residuals
Your recurring share of the processing margin on every merchant you board, paid monthly for as long as that merchant keeps processing.
No-surprise-deplatform
Compliant merchants stay on the books instead of churning out from under your residual. A portfolio that keeps processing keeps paying.
We run the engine
Underwriting, risk monitoring, fraud screening, compliance, and merchant support run by us, so you can scale a book without building a risk department.
ISO, agent, or referral
For partners who want more ownership of the merchant lifecycle and economics, we’ll structure a true ISO arrangement; for the simplest path, refer.
How it works
You close. We run the engine
The division of labor is simple. You bring and manage the merchant relationship. We handle underwriting, risk monitoring, fraud screening, compliance, and merchant support underneath. That’s what lets an agent scale a book without building a risk department, your time goes into closing and retention, not into chasing documents and fighting disputes.
A residual is your recurring share of the processing margin on every merchant you board, paid monthly for as long as that merchant keeps processing. Two things decide whether that’s a real income stream: the split and the stability of the portfolio. We’re transparent on the split, and our no-surprise-deplatform posture means compliant merchants stay on the books instead of churning out from under your residual.
Your book
A portfolio that keeps processing keeps paying
Your residual is only as good as the merchants behind it. Because we underwrite high-risk properly and don’t deplatform compliant merchants by surprise, the accounts you board stay boarded, and your monthly residual stays paid.
- Recurring share of the processing margin, paid monthly
- Compliant merchants stay on the books
- You own the relationship; we run risk and support
How it works
From first conversation to live residuals
1
Tell us what you sell
Share the verticals you work and the volume you’re moving, so we can confirm your merchant mix is one we can approve.
2
We map the structure
We map the split and the structure that fits your book, agent, ISO, or referral, and show how the economics work.
3
You close. We board
You bring and manage the relationship; we run underwriting, risk, fraud screening, compliance, and support underneath.
4
You earn residuals
Your recurring share of the processing margin is paid monthly for as long as each merchant keeps processing.
FAQ
ISO & agent program FAQ
What's the best high-risk ISO or agent program?
For agents who sell high-risk, the best program is the one that can actually approve the merchants you bring, and pay you transparently on them. Plenty of ISO programs advertise high splits, then decline the nutra brand, the coaching business, or the subscription merchant you worked to close. GivePayments underwrites high-risk natively, so the verticals other processors send back are the ones we board, and your residual is calculated on a split you can see rather than a black box. You sell the approval; we run the underwriting, risk, and support.
How do payment agents earn residuals?
An agent or ISO earns a residual, a recurring share of the processing margin, on every merchant they board, for as long as that merchant keeps processing. The residual is a percentage of the markup over interchange and network costs, paid monthly. The two things that decide whether residuals are worth building a business on are the split (your share) and the portfolio's stability (whether merchants stay boarded). Our model is built for both: a transparent split and an underwriting posture that keeps compliant merchants on the books instead of deplatforming them.
Do I have to handle underwriting and support as an agent?
No. You bring the merchant relationship; we handle underwriting, risk monitoring, fraud screening, compliance, and merchant support behind the scenes. That's the division of labor that lets an agent scale, you're closing and managing relationships, not running a risk department. For agents who want more control and economics, we can also discuss ISO-style and referral structures depending on how much of the merchant lifecycle you want to own.
How is this different from a referral program?
A referral program pays you for sending us a merchant, you hand off the lead and we take it from there, with a simpler payout. The ISO and agent program is for partners who want to own the merchant relationship and earn ongoing residuals across a portfolio, with the underwriting and support run by us. Many partners start by referring and move into the agent program as their volume grows. If you just want to send merchants our way, the referral program is the simpler door.
Related
Keep exploring
Sell the approvals that actually pay.
Tell us what you sell, the verticals you work, and the volume you’re moving, and we’ll map the split and the structure that fits your book.