Anatomy of an ISO agent agreement
Questions about exclusivity, attribution, vesting, termination, and rights.
Read more →Payments reference library
The Agent Desk
For people in the merchant-services business who want clearer contracts, better merchant outcomes, and less recruiting spin.
For industry professionals
Know what you're building—and what you actually own.
Residual economics, underwriting, merchant fit, service obligations, and portfolio rights all depend on the underlying agreement. Read the paperwork and test the business model.
How residual splits work
Understand percentages, deductions and the base amount.
Read more →Portfolio valuation and buyouts
Evaluate risk, retention, transferability and contract rights.
Read more →Reading residual reports
Understand merchant-level reporting and reconciliation.
Read more →Agent vs. ISO
Distinguish the sales role, processing infrastructure, and merchant relationship.
Read more →Partner standards
Use a scenario-specific due diligence framework.
Read more →The merchant is not a spreadsheet cell
The right industry relationship connects a real operating need with a suitable service provider. Good agent economics should never substitute for verifying merchant fit and the downstream experience.
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