Partner with a high-risk payment processing ISO
Gray Merchants runs two partner programs — a referral program for advisors and agencies, and an ISO agent program for payments professionals — that pay you for connecting merchants with high-risk merchant accounts that stay open. Refer the businesses you already work with across low-risk retail, e-commerce, and 50+ high-risk industries, or place ongoing merchant services volume as an ISO agent — with fast approvals, transparent reporting, and dedicated support on every account.
Choose the merchant services program that fits how you work
Both are free to join, settle monthly, and come with a dedicated point of contact. We handle the underwriting, banking packet, and account setup — including multi-MID structures and chargeback prevention — so the merchants you place keep processing. Commission and residual structures are agreed with you directly.
Referral partner
For SaaS platforms, web and SEO agencies, attorneys, CPAs, and formation firms who meet business owners who need payment processing — whether they are just starting out, scaling, switching processors, or recovering from a frozen or declined account. Introduce the merchant and we do the rest.
- No registration or licensing fees
- A simple, secure tracking link — no integration
- Co-branded landing pages available
- We handle pre-screen, banking packet, and placement
- Earn on every successful placement
ISO agent
For veteran agents and consultants who actively place merchant volume and want transparent residuals across premium domestic and international acquiring channels through our 70+ relationships.
- Ongoing residual revenue for the life of the account
- Priority underwriter desk access
- Gateway-level support (NMI, Authorize.net)
- Multi-MID and backup-gateway configurations
- Transparent monthly statements
Built to make you look good to your merchants
Fast approvals
24–48 hour underwriting decisions and a 99% approval rate mean the merchants you send get answers quickly and placements settle sooner.
Transparent reporting
Monthly statements with clear, itemized detail. You always see what placed, what settled, and what you earned.
Dedicated support
A real point of contact for every partner — no ticket queues. We carry the operational load so you can focus on relationships.
Zero setup cost
No registration, licensing, or setup fees to join either program. $0 setup for the merchants you refer, too.
From introduction to payout
Apply to partner
Tell us how you work and which merchants you meet. We confirm the program that fits and agree your terms directly.
Introduce a merchant
Send a merchant our way with your tracking link, or hand off the lead. We pre-screen, package, and place the account.
Get paid
Placements and residuals settle monthly with transparent statements. Referral partners earn per placement; agents earn ongoing.
Partner program FAQ
What is the difference between the referral and ISO agent programs?
The referral program is for advisors, agencies, and professionals who occasionally send us a merchant that needs a high-risk merchant account — you introduce the business, we handle underwriting, banking, and placement, and you earn on every placement. The ISO agent program is for payments professionals who actively sell merchant services and want to place ongoing processing volume through our 70+ banking and acquirer relationships, with residual revenue for the life of the account. Both cover low-risk retail and e-commerce as well as 50+ high-risk industries.
How and when do partners get paid?
Referral partners earn on each successful placement; ISO agents earn ongoing residuals on the accounts they place. Both are settled monthly with transparent statements. Exact commission and residual structures are agreed with you directly when you join — we tailor them to your volume and the industries you work in.
Are there any fees to become a partner?
No. There is no registration, licensing, or setup fee to join either program. You need a valid tax form (W-9 or W-8BEN) to receive payouts.
Do I need payments experience to refer merchants?
No. The referral program requires no payments background — if you work with business owners (SaaS platforms, web and SEO agencies, attorneys, CPAs, formation firms), you already meet merchants who get frozen or declined. We handle pre-screening, the banking packet, and placement. The ISO agent program is built for experienced payment professionals with an active merchant pipeline.
What support do partners get?
Every partner gets a dedicated point of contact. Referral partners get co-branded landing pages and zero operational burden — we run the underwriting and placement. ISO agents get priority underwriter desk access, gateway-level support (NMI, Authorize.net), and help with multi-MID and backup-gateway configurations.
How fast do referred merchants get approved?
Most applications receive an underwriting decision in 24–48 hours with a 99% approval rate and $0 setup fee, so the merchants you send get answers quickly and you see placements settle sooner.