ISOs & Agents
Back office that keeps up with sales
Independent sales organizations and agents run on thin margins and thinner staff. We supply the back office, the disputes team, the residual audits, and the appointment setting so your people spend their time selling and your portfolio stops leaking.
- Problems we solve
- 6 The ones that bring this buyer to us
- Starting services
- 8 Where engagements usually begin
- Core services spanned
- 5 Of 6 in the catalogue
- Steps, every time
- 5 Each ending in a written decision
The problems that bring ISOs & Agents to us
Every engagement opens with an Assess, so the first deliverable is a written read of which of these actually apply to you and what they are costing.
- 01Back office that keeps up with sales
- 02Residuals paid correctly
- 03Disputes handled without distracting agents
- 04Merchants retained and supported
- 05More qualified appointments
- 06A path to PayFac economics
Where ISOs & Agents usually start
Spanning 5 core services: Managed Payments Operations, Marketing, Payments & Fintech Advisory, Engineering and Business Operations.
All services- 01ISO Back OfficeYour ISO’s operations, run by a dedicated team
- 02Residual Audit & ReconciliationFind the residuals you are owed
- 03Dispute ManagementChargeback dispute management handled by a team that wins them
- 04Merchant ManagementMerchant account management: every account monitored, audited, and maintained
- 05Merchant Lead Generation & Appointment SettingQualified merchant appointments for your sales team
- 06PayFac-as-a-Service ConsultingBecome a payment facilitator without building one
- 07CRM & Sales Stack SetupSales systems configured for how payments is sold
- 08IT & Payments Staff AugmentationIT staff augmentation and payments talent, placed in your team, not a generalist staffing pool
Five steps, every time
The same framework applies whether it is a two-week advisory project or a desk that runs for years.
See the full framework- Step 01
Assess
Model, volume, risk, timeline, and constraints. Written recommendation on program structure.
1 to 4 weeks - Step 02
Match
Partner shortlist from our network, introductions, and diligence.
Days to one week - Step 03
Structure
Economics, terms, compliance responsibilities, and operating model.
1 to 2 weeks - Step 04
Build
Branded platform, onboarding, and integrations on the partner’s rails.
2 to 12 weeks - Step 05
Launch
Go-live, first customers, and handoff to your team or our managed operations.
Go-live onward
What makes this different
These are specific to ISOs & Agents, and they are in the scope document rather than only on this page.
Your agents stay on the phone
The desk absorbs boarding, disputes, and statement work, so selling time is not spent on paperwork and queue chasing.
Residuals checked line by line
We recompute expected residual from your pricing and actual volume, merchant by merchant, and chase what is short.
We work under your brand
Your CRM, your portals, your merchant relationships. Nothing is re-papered and no account moves to us.
A path up the value chain
When the volume justifies it, we model ISO against PayFac economics on your own portfolio before anyone signs anything.
What clients say
We publish no client names. These describe the shape of real engagements.
See the engagementsWe had been quoted eighteen months and seven figures to register as a PayFac. Midcore mapped the alternative in two weeks and told us plainly that our volume did not justify it yet. That conversation saved us a year.
Our agents were spending half their week on paperwork. The desk took the boarding queue, the disputes, and the residual reconciliation. Same headcount on the sales side, materially more selling.
They found variances in our residual statements that had been running for years. What mattered more was the monthly reconciliation they left behind, so it does not happen again.
- Written scopeAgreed before work starts, changed only in writing.
- Reporting from your dataEvery number opens to a record you can check.
- Scoped, logged accessRevocable by you at any time.
What the work looks like
Anonymised engagements touching the services ISOs & Agents start with.
All case studiesA platform earning a thin referral share on customer processing wanted the margin that sat with its processor, without the registration, capital, and compliance headcount a full PayFac requires.
Field-services SaaS platform An ISO gave its agents their selling week backAgents were spending roughly half their time on statement analysis, applications, and chasing processors. The fix was not more headcount on the sales side.
Independent sales organization A card-not-present merchant came back from a monitoring thresholdA rising dispute ratio put the account within sight of a card brand monitoring program, and with it the processing relationship itself.
Subscription merchant processing at scaleWritten by people who have done the work
The arguments we would make in the room.
All insightsAn ISO agent agreement's vesting clause decides who keeps the residuals on paper. State law can decide it differently once termination actually happens.
9 min read Business Operations Audit: What It Finds in an ISO's BooksA business operations audit usually finds the same three things: records that cannot prove what they claim, unrevoked access, and an untracked cost.
10 min read IT Staff Augmentation vs Outsourcing: What Actually DiffersIT staff augmentation and outsourcing differ on who directs the work day to day, and that one fact decides who owns what gets built and who bears legal risk.
10 min readStraight answers
The questions that come up on almost every ISOs & Agents call, answered before you have to ask them.
How does an engagement start?
What does an engagement cost?
Can we stop after the Assess?
How long does an engagement take?
Who actually does the work?
Do you work inside our systems?
What do you need from us to start?
Still not sure ISOs & Agents is what you need?
That is what the Assess is for. Book a 30-minute call and we will tell you which service fits, whether you need one at all, and what the first engagement would cost. We will also tell you when the answer is no.
Get your free Assess
Tell us what is happening. We reply within one business day with a US-based practice lead, not a salesperson.
- 01Within 1 business dayA US-based practice lead replies and books a 30 minute call.
- 02On the callWe map the problem, the volume, the partners, and the constraints.
- 03After the callYou get a written read of one to three pages, yours to keep.
- Handled under NDA
- Written, not a slide deck
- No obligation to continue