Reseller Program · Agents, ISOs & Referral Partners
Build your own processing brand.
A white-labeled gateway, agency management and a complete processing solution branded for your ISO — plus free terminals, full POS with a free handheld, branded card issuing and a nationwide savings network. We handle deployment, fulfillment and customer management so you can focus on growing your organization.
The agent problem
Rate-cutting is a race to the bottom.
Direct B2B payment processing sales delivers diminishing returns. Every merchant has already been pitched by a dozen reps this quarter, every pitch sounds the same, and the only lever left is shaving basis points off a margin you already fought for.
PayDivy gives you something else to sell. Modern hardware the merchant doesn’t pay for, a full cloud POS with a free handheld, a payment gateway branded as yours, and a nationwide savings network that keeps their customers coming back. Rate stops being the conversation.
What you resell
A branded processing organization — not a product list.
The core of the program is a white-labeled gateway, agency management and a complete processing solution branded for your ISO. Hardware, card issuing and loyalty attach on top — and we handle deployment, fulfillment and customer management so you can focus on growing your organization.
Merchant services + free terminal
A 30-minute processing audit benchmarked against wholesale interchange, and a complimentary smart terminal for qualifying merchants. Most merchants are running hardware two to four generations behind.
- ▸Touchscreen, cellular + LTE, tap / dip / swipe
- ▸QR-native, tip prompts, digital receipts
- ▸Credit, debit, EBT and gift on your pricing program
- ▸Re-audited at every renewal cycle
Full POS installs + free handheld
A processor-agnostic cloud POS on iOS and Android with real-time sync between front of house, back office and online — plus a free handheld included with every install.
- ▸Kiosk, KDS and customer display add-ons
- ▸Inventory, purchase orders and multi-location stock
- ▸Gift cards, loyalty, coupons and customer profiles
- ▸Tableside ordering and pay-at-the-table
White-label gateway & branded processing
Twenty-plus payment products on one API and one dashboard, branded as yours down to the SSL certificate — a complete processing solution presented under your ISO's name. PCI DSS Level 1, multi-region cloud and 99.99% uptime. Merchants see your brand, not ours.
- ▸Your brand, your domain, your SSL certificate, your dashboard
- ▸Virtual terminal for card and ACH, tokenization, recurring billing and invoicing
- ▸Fraud engine tuned per MID, not per vendor default
- ▸Processor-agnostic — switch acquirers without ripping out the gateway
Agency management for your organization
The back office an ISO needs to scale: rep hierarchies, sub-agent splits, merchant lifecycle tracking and residual reporting — all branded for your organization so you can recruit and grow under your own name.
- ▸Sub-agent hierarchies with automated split routing
- ▸Residual imports and BIN-level validation across processors
- ▸Portfolio health, attrition and volume alerts by rep
- ▸Branded merchant and agent portals for onboarding
Branded card issuing & spend controls
Issue virtual and physical cards under your program, with per-card limits, vendor locking, real-time authorization rules and receipt capture — a second revenue line on every merchant relationship.
- ▸Instant virtual cards plus branded physical cards
- ▸Spend limits by amount, cadence, merchant or category
- ▸Real-time approvals, alerts and receipt matching
- ▸Multi-entity budgets and program-level reporting
Merchant savings & loyalty network
Access to one of America’s largest discount networks — over a million merchant locations across dining, shopping, entertainment and travel — delivered white-label so your merchants can reward their own customers, members or employees.
- ▸50,000+ dining locations and 150,000+ retailers
- ▸Entertainment, theme parks and nearly a million travel partnerships
- ▸White-label member benefits, loyalty and employee perk programs
- ▸Points, cashback and rewards that drive repeat visits
Bundle it your way
Close on processing, expand with POS, attach the gateway, retain with the savings network. Or start anywhere. The bundle is yours to build per merchant — one agreement covers every product line, and upsell commissions stack on top of residuals.
Also available
Connected Venues signal boost
Carrier-funded in-venue cellular coverage at no cost to the merchant — an optional door-opener you can lead with when a venue has dead zones or slow transactions. It has its own page.
Connected VenuesHardware & software
Free terminals, full POS, free handheld.
Free terminal placement
Qualifying merchants who let us audit their processing receive a complimentary smart terminal — modern hardware in place of a machine two to four generations behind.
Full POS install + free handheld
When a merchant needs more than a countertop terminal, you sell a full cloud POS — and every install includes a free handheld for tableside ordering and payment.
Restaurants
Full service, quick service, bars, cafés, food trucks and delis.
- ▸Table & floor management, coursing and seat-level ordering
- ▸Bar tabs and pre-auth, waitlist and reservations
- ▸Tableside ordering & payment on the included handheld
- ▸Online ordering & delivery
Retail & services
Boutiques, mini markets, liquor, salons, gyms and specialty retail.
- ▸UPC item tracking with weight, length and size variants
- ▸Vendor purchase orders and live multi-location stock counts
- ▸Age verification and restricted-category rules
- ▸Connected web store on one catalog and one inventory
- ▸Memberships, packages and recurring billing
Gateway & agency management
Your brand on the front. Our engine behind it.
One branded platform runs your whole organization — gateway, merchant portals, rep hierarchies, portfolios and residuals. It's the infrastructure large ISOs build in-house, delivered under your name.
Sell
- →Pre-call merchant profiling
- →Solution matching by vertical
- →Approved talk tracks
- →Knowledge library
Onboard
- →White-label merchant portal
- →Pre-populated applications
- →Approval scoring
- →Document review
Activate
- →Milestone-based merchant outreach
- →Equipment delivery triggers
- →Guided terminal setup
- →Faster first transaction
Manage
- →Portfolio health alerts
- →Missed-batch and volume warnings
- →Chargeback and auth-rate signals
- →Sub-second reporting
Get paid
- →Residual imports across processors
- →Validation before publish
- →BIN-level precision
- →Sub-agent split routing
We handle fulfillment. You handle growth.
Deployment, fulfillment and ongoing customer management run through our team under your brand — so you and your reps spend your time selling and building your organization instead of chasing shipments and support tickets.
New revenue line
Branded card issuing and spend management.
Sell more than acceptance — sell the other side of the ledger. Your merchants get corporate cards and spend controls issued under a program you resell, and you earn on the interchange and platform revenue it generates.
Why agents sell it
- ▸A door-opener no rate-cutting competitor is carrying
- ▸Recurring program revenue on top of processing residuals
- ▸Deepens the relationship — cards, acceptance and POS in one account
- ▸Natural attach to every full POS and gateway deal
Agent talk track
“You already let me look at what comes in. Let me also show you how to control what goes out — cards for every vendor and manager, with limits you set.”
Your economics
Residuals underneath. Upsell commissions on top.
Commission ladder
Agent talk track
“I’m not here to shave a few basis points. I’m here to replace the hardware, put a handheld in your staff’s hands, and give your regulars a reason to come back.”
Who we accept
Built for motivated, producing agents.
We accept qualified agents and ISOs who are motivated to close at minimum of 5 additional deals per month through the program, and who want the upsell commissions that come with the full stack.
You’re a fit if
- ▸You can close at minimum of 5 additional deals per month
- ▸You are actively selling into restaurants, retail and service venues
- ▸You want upsell commissions on POS, hardware, gateway and loyalty
- ▸You are willing to be trained and certified before you pitch
- ▸You'll give honest market feedback from the field
Not a fit if
- ▸You want to register leads and stay out of the process
- ▸Volume is occasional or opportunistic
- ▸You'd rather keep leading with rate
- ▸You can't attend training and certification
Getting started
Sign up. Get trained. Get certified.
Sign up as an ISO
Complete the ISO / agent agreement and onboarding paperwork so deals, residuals and upsell commissions are registered to you from day one.
Complete detailed training
Structured training on the full solution set: the processing audit and free terminal path, full POS and handheld installs, the white-label gateway and the merchant savings network.
Earn your certificate
Pass certification before you go to market, so every merchant conversation is accurate, compliant and consistent.
What training covers
- ▸Running the processing audit against wholesale interchange
- ▸Positioning the free terminal upgrade
- ▸Scoping a full POS install and the included free handheld
- ▸Kiosk, KDS and customer-display upsell motions
- ▸Gateway positioning, white-label branding and agency management
- ▸Presenting the branded card issuing program and spend controls
- ▸Selling the savings and loyalty network as a retention tool
- ▸Compliance, expectations and what not to promise
What we expect from you
Questions
Before you apply.
What does the merchant pay for the terminal?
Nothing. Qualifying merchants who complete a processing audit receive a complimentary smart terminal, and every full POS install includes a free handheld.
Do I have to move my existing portfolio?
No. You can bring new deals only. The gateway is processor-agnostic, so you keep your relationships and pricing programs.
Who handles deployment and merchant support?
We do. Our team handles equipment fulfillment, installation coordination, activation and day-to-day customer management under your brand — so you and your reps stay focused on selling and growing your organization.
Can I issue cards under my own brand?
Yes. The card issuing program lets you launch branded virtual and physical cards for your merchants — with spend controls, real-time authorization rules and program-level reporting — as another recurring revenue line.
How white-label is the gateway really?
Your brand, your domain, your SSL certificate, your dashboard. Merchants never see another vendor's name.
How do I get paid?
Monthly residuals on processing plus upsell commissions on hardware, POS, gateway and the savings network — with transparent splits and sub-agent routing.
Do I need to be certified?
Yes. Certification is required before you present to merchants. It gives you a credential to lead with and keeps the program represented correctly.
Become a reseller
Apply to sell the full stack.
Applications are reviewed on a rolling basis. Tell us where you sell and how much you can move, and we’ll get you into agreement, training and certification.
Prefer email? ari@paydivy.com · ari.g@providentadvisorgroup.com