Processing platform
High risk
Priority Payments
Settlement, compliance, banking relationships
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High + Low risk
Netevia
Dual-tier platform, both risk categories
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High risk
Paysafe
Global processing, high-risk verticals
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High risk
Micamp
High-risk merchant specialization
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High + Low risk
Payarc
Tech-forward platform, both tiers
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High risk
NUVEI
Global specialty high-risk processing
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Low risk
Universal Processing
Standard merchant processing
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Processing partners are the infrastructure layer. They hold banking licenses, own card network relationships (Visa/MC), manage settlement, and absorb chargeback liability. Every transaction flows through them regardless of which channel signed the merchant.
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contracts with & routes volume through
Sales partners — ISO / agent channel
High risk
Midtrix
High-risk merchant acquisition, residual income
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Low risk
ABC Company
Standard merchant acquisition, residual income
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Sales partners (ISOs) never touch transaction processing — they sign and service merchants on behalf of a processor. They earn monthly residuals from their portfolio. No processing risk, no chargeback liability.
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signs & supports merchants
Direct sales reps — processor-employed channel
Direct — High risk
Direct rep (high risk)
Employed by processor, signs high-risk verticals
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Direct — Low risk
Direct rep (low risk)
Employed by processor, signs standard merchants
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VPS Tool
Business Finder
Find & prospect local businesses by category and geography
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Direct reps work for the processor itself — no ISO in the middle. Revenue flows entirely back to the processor. They earn salary or per-account commission, not ongoing portfolio residuals.
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onboards & services
Merchants — end customers
High risk
High-risk merchants
Nutraceuticals, CBD, adult, travel, gaming, firearms
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Low risk
Low-risk merchants
Retail, restaurants, healthcare, e-commerce
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VPS Tool
Statement Analyzer
Analyze a merchant's statement to show savings & win the deal
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Merchants pay processing fees in exchange for the ability to accept card payments. High-risk merchants pay higher rates to compensate for elevated chargeback risk. Low-risk merchants benefit from competitive rates and straightforward underwriting.