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Partner Program

Merchant Services Partner Program

Residuals, Not One-Time Bonuses

Refer merchants to a processor built for the businesses mainstream programs decline, and earn a monthly residual on every active account you place — not a one-time bonus that ends after the first sale. We work exclusively in high-risk payments, so the hardest-to-place referrals in your book are the ones we are set up to approve. Most merchants are approved within 24 hours, so your referral hears back while the conversation is still warm.

(801) 899-7255

Who Partners With Us

Our merchant services partner program is built for anyone who can introduce merchants that need credit card processing — especially the merchants other programs decline. As a merchant services partner, you make the introduction; we handle underwriting, approval, and onboarding.

  • Agents and ISOs

    You have a book of merchants that includes accounts your current processor will not board. Send us the declines and keep the relationship.

  • Software and SaaS platforms

    Your users need payment acceptance that their current provider restricts or prohibits — the categories we work in every day.

  • Referral partners

    Accountants, consultants, web agencies, and anyone else whose clients keep asking where a high-risk business can get approved.

You do not need payments experience to refer. If you are weighing programs side by side, our guide to the best merchant service providers covers what separates a durable residual program from a one-time payout.

Partner tracks

Who We Partner With

Three partner tracks, one revenue-sharing model. Wherever your merchants come from, every active account pays you month after month.

Sales channel

Agents & ISOs

Competitive residual splits and a home for the deals other processors decline. Bring us the accounts you could not place elsewhere.

  • Independent sales agents
  • ISOs and sub-ISOs
  • Merchant services brokers

Referral

Referral Partners

Consultants, accountants, web agencies, and industry associations whose clients need dependable payment processing.

  • Business consultants & CPAs
  • Web and marketing agencies
  • Trade and industry associations

Technology

Software Platforms & ISVs

Monetize payments inside your product and give your merchants a processing option built for regulated and hard-to-approve verticals.

  • SaaS and vertical software
  • E-commerce platforms
  • Booking, billing, and CRM tools

How it works

How the Referral Program Works

Four steps from application to your first monthly residual. Submit the partner form and the partner team will review your application and respond within two business days.
01

Apply

Submit the partner form and tell us about your book of business or your referral sources.

02

Onboard

Walk through your revenue split with the partner team and get the training and marketing materials to start referring.

03

Refer

Send merchants our way. We handle underwriting, approval, and onboarding — most merchants are approved within 24 hours.

04

Earn

Collect a residual on every active account, every month, for as long as it keeps processing.

What Partners Earn

Across the industry, merchant services partners are paid in one of two ways: a flat bonus per funded account, or a share of the processing revenue. We pay the share. A single placed merchant generates a monthly residual check for as long as that account processes, and over the life of an account, recurring revenue outearns a one-time bonus — then it compounds as your book grows.

A residual only pays while the account processes, which is why placement matters: we match merchants to banks that accept their industry, so the accounts you place stay live instead of being shut off six months in. Your revenue split is set with the partner team during onboarding and spelled out before you refer your first merchant.

Why Your Referrals Get Approved

A partner program is only as good as its approval rate. We are a high-risk merchant account provider, and each application is matched to banks that accept the merchant’s industry. Two facts your merchants will ask about:

  • Speed. Most merchants are approved within 24 hours, so you are not chasing an underwriter for weeks on a referral’s behalf.
  • Pricing. Pricing starts at interchange plus 0.80%, and every fee is disclosed in the merchant service agreement before the merchant signs. No surprise reserves or buried charges that come back on you as the referrer.

For your merchants

What Your Referrals Get

Every merchant you send is matched with a solution built for their risk profile. Accounts that get approved and stay healthy keep processing, and an account that keeps processing keeps paying you.

Healthy merchant accounts protect your residuals, too.

High-Risk Merchant Accounts

Underwriting built for regulated and hard-to-approve verticals, so the referrals other processors decline actually get approved.

ACH Payment Processing

A bank-to-bank alternative to cards that lowers fees and keeps merchants processing when card acceptance is restricted.

Chargeback Mitigation

Alerts and dispute tools that keep chargeback ratios in check, keep accounts open, and keep your residuals flowing.

Ready to grow together?

Residuals that last as long as the merchant does

When your referral gets approved and keeps processing, you keep earning. Submit the partner form and our partner team will follow up to walk through splits, onboarding, and the verticals we place best.

  • We approve what others decline

    PayKings specializes in complex and regulated industries, the accounts that generate the strongest, longest-lasting residuals.

  • You keep earning as long as they process

    Residuals are paid on every active merchant you refer, month after month, with no cap on your book.

  • A partner team, not a ticket queue

    Dedicated partner support, training, and marketing resources from the day you are onboarded.

(801) 899-7255

FAQ

Partner Program Questions

Straight answers on how referrals work, what partners earn, and the questions your merchants will ask.

You introduce a merchant, we underwrite and board them, and you earn a share of the processing revenue each month the account stays active. You are never responsible for underwriting, support, or compliance — that stays with us.
Many programs pay a one-time bonus per funded account. Ours works differently: instead of a single payment, you earn a recurring residual on each active merchant, month after month. Your split is agreed with the partner team before you refer your first merchant.
It depends on how long the accounts last. A residual program on merchants who stay live will outearn a flat bonus, which is why we place high-risk merchants with banks that actually want their industry — an account that gets shut off earns nobody anything.
Rates vary by industry, volume, and risk. Our pricing starts at interchange plus 0.80%, and every fee is disclosed in the merchant service agreement before signing, so you can tell a referral exactly what to expect.
For a low-risk retailer, almost any processor will do. For the industries we serve, the easiest account is the one underwritten by a specialist: we match each application to banks that accept the merchant's industry, and most merchants are approved within 24 hours.
Both standard and high-risk businesses. Our specialty is placing merchants in hard-to-approve verticals that mainstream processors turn away.
Yes — e-commerce referrals are welcome. Our team matches each merchant with a compatible processing setup during underwriting.
Use the partner form on this page, or call us directly at (801) 899-7255.