Which channel you are
Alliance, agent, dealer or referral — picked to match how you already do business, not how we file you.
The four channels →4Partner channels
20% → 80%Published revenue splits
2,000+Platform integrations
80+Banks & lenders
5,000+IT pros nationwide
What you keep
Four published splits — 20%, 40%, 70% and starting 80% — and what each one trades to pay it.
The four programs →What you see
Live application status, commissions ledgered per event, and every merchant's history on one screen.
The three consoles →Four ways to partner
Build on us
Alliances
Banks · CPAs · Insurance · ISVsPreferential pricing for CPA clients, revenue-sharing for banks, white-label support, and API-driven integrations for software partners.
- Your clients keep their relationship with you
- Payments run underneath it
- A dedicated point of contact, not a queue
Full sales
Agents
1099 sales agents & ISOsSell the whole line with our engine behind you: instant quoting, live application tracking, install scheduling, and commission visibility per MID.
- Lifetime vested residuals, with retirement buyout opportunities
- An independent business without ISO registration costs
- Flexible compensation, training, marketing tools and equipment agreements
Resellers
Dealers
POS & software resellersYour clients already trust you for POS and software. Now earn ongoing revenue from payment processing, SaaS fees, installations, and our full technology suite.
- Multiple streams on one merchant: processing residuals, SaaS fees, your own installation services, and hardware sales through our vendor partnerships
- Training and reporting built for dealers, not repurposed from the agent program
Hand-off
Referral partners
Happy clients & introducersIntroduce a merchant, we do the rest — and you watch every step in your portal instead of wondering. Recurring revenue on the book you build.
- No selling or setup required
- You get paid once your referral goes live
- Most of our new clients arrive this way
Inside the alliance track
Four arrangements rather than one, because what a bank, a CPA firm, an insurance broker and an ISV each need from us is not the same thing.
Financial
Banks & institutions
- Attractive revenue-share models
- Integrated reporting tools
- SMB customers served across virtually all industries
- White-label support services
Accounting
CPAs & accounting firms
- 24/7, 365-day support with rapid response
- Automated reporting with reconciliation integrations
- Personal, in-person support and a named point of contact
- Preferential pricing for your clients instead of a revenue share, when that is the better outcome for them
Insurance
Insurance partners
- 24/7/365 support with rapid response times
- Coverage across low-risk and specialized sectors
- Flexible compensation models
- Marketing resources
Software
Software & ISVs
- A dedicated partner success team
- API-driven integrations against a documented v2 API
- Card tokenization at the gateway layer
- Revenue from embedded payments
How you actually get paid
Payco Referral Partner
20%
Introduce the merchant and hand off. We manage the account, the support and the install; you earn on the book you build.
Payco Pilot
40%
Sell with the whole engine behind you. Same white-glove and portfolio management as Referral, at double the split.
Payco Advantage
70%
You run the relationship and go backend-direct. You keep the majority of the residual and take on the account management that comes with it.
Payco Office
Starting80%
Your own office on our rails. The highest split, and the only program that carries a monthly minimum.
Monthly minimum requiredThe higher splits are not simply more money — they trade portfolio management, concierge account handling and the free-terminal program for going backend-direct. What each program trades for its split is stated on the four cards above.
What “one screen” actually means
For sales agents
- Activity log
- Applications, tracked by stage
- Branch production
- Prospect pipeline
- Proposals, priced and sent
- Statement analysis and recent analyses
For the money question
- Agent roster
- Global ledger, per event
- Kickup ladder
- Per-agent rate override
- Sponsor hierarchy
For introducers
- Dashboard and recent referrals
- Earnings
- Integration matrix and hardware
- Marketing resources
- My referrals — live stage per file
- Statement analysis
- Submit a referral
Partnership that pays
24/7 merchant support
Full merchant support so you can focus on your core business while we handle payment processing support — your client calls us, not you, at 11pm.
Long-term value
Build sustainable wealth through residual income and retirement buyout opportunities — the book you build is an asset, not a commission run.
Multiple revenue streams
Dealers earn from credit card processing residuals, SaaS fees, their own installation services, and hardware sales through our deep vendor partnerships — not one line, four.
Residual income
Every merchant account you refer adds recurring monthly revenue to your portfolio, for as long as that merchant processes.
Technology commissions
Additional income from the full Business Suite: VoIP phones, internet services and the rest of the technology stack your clients already buy from somebody.
Training & support
Onboarding, reporting and marketing resources built for dealer partnerships rather than repurposed from the agent program.
The network behind the door
A published clock
Every application stage carries a commitment: first review in one business day, an underwriting decision in 48 hours, a MID within a day of approval. You are not guessing what to tell your client.
Certified handoffs
Every stage — routing, underwriting, install, support — is gated and logged. Your merchant never falls between departments, and neither does your commission.
Installed, not shipped
Equipment is programmed before it leaves us and installed by a technician from a 5,000+ professional network, with training done before the merchant is marked live.
One application, placed right
Your merchant's details are captured once and placed where the economics and risk appetite actually fit — no re-keying, no guessing.
Restricted verticals, checked first
A restricted vertical is tested ahead of every other routing rule and directed to a dedicated multi-sponsor lane rather than dying in underwriting. Where it cannot be banked, the file is declined or referred to a third-party provider — and you are told which before you promise your client anything.
The whole stack to sell
Payments, POS, payroll and HR, lending across 80+ banks and lenders, VoIP, internet and managed IT — one merchant, several reasons to call you back.
What we ask, and what we won’t do
The terms of the relationship, before you sign anything
A partner program is easy to advertise and expensive to discover the edges of. These are the edges.
What you get
- A published split, and a commission ledgered per event rather than reconciled by email
- Lifetime vested residuals, with retirement buyout opportunities
- Your client relationship stays yours — we support the merchant, we do not replace you
- No volume caps, and high-risk-friendly options where the vertical can be banked
- 24/7 merchant support, so your phone is not the escalation path
What we will not do
- Board a merchant who is high-risk, restricted, prohibited or otherwise unsuitable. They may be declined, or referred to a third-party provider rather than boarded to a direct sponsor bank — and you will be told which, and why
- Quote a rate before somebody has read the merchant's statement
- Assert a compliance posture we have not published. What is and is not claimed is set out on Payco Secure
- Publish a client-retention figure. The Agency Programs sheet carries one and nothing in this business measures it, so it is withheld from every partner-facing surface
How to start
Apply to the channel that fits
Alliance, agent, dealer or referral. You sign up and complete the standard paperwork yourself, with no call to us first. If you want to talk about compensation, that conversation can happen later, once you are active.
Get your program and your portal
You are assigned one of the four published programs, which sets your split, and given the portal that goes with your channel. Nothing about the split is left to be worked out later.
Bring a business
Submit a lead, or a statement for analysis. We handle the sales work, the setup and the ongoing support, and you watch each stage move in the portal.
Get paid when they go live
Commission is earned once the merchant is processing, ledgered per event against your program’s split, and recurring for as long as they process.
Talk to the partner desk
Questions partners actually ask
What is the difference between the four channels and the four programs?
The channel is who you are — an alliance, an agent, a dealer or a referring client. The program is how you are paid: Referral Partner at 20%, Pilot at 40%, Advantage at 70%, Office starting at 80%. A dealer and an agent can sit on the same program, because a program is a commission arrangement rather than a job description.
What revenue split does Payco pay?
Four published splits — 20%, 40%, 70% and starting 80%. The higher ones trade portfolio management, concierge account handling and the free-terminal program for going backend-direct, and Payco Office is the only program that carries a monthly minimum, which is a requirement of that agreement. Compared side by side →
Do I need my own ISO registration to be an agent?
No. Agents operate as an independent business without carrying ISO registration costs, on flexible compensation with lifetime vested residuals and retirement buyout opportunities. Larger organizations that want their own paper are handled separately, with a custom compensation model.
How do I see my book of business?
In a portal, not a spreadsheet. Referral partners get a dashboard, referral submission, statement analysis, earnings, the integration matrix, hardware and marketing resources; agents additionally get a prospect pipeline, proposals, live application tracking and branch production. Commissions are ledgered per event, with the kickup ladder and sponsor hierarchy behind them.
What happens to a merchant you cannot board?
A merchant who is high-risk, restricted, prohibited or otherwise unsuitable may be declined, or referred to a third-party provider rather than boarded to a direct sponsor bank. You are told which, and why, rather than left waiting on a file that was never going to clear.
Who supports my merchants after they go live?
Payco does. Support is staffed 24/7 for live merchants, with on-site technicians dispatched through a 5,000+ professional network. Your client calls us at 11pm, not you — and the team answering has their whole file on screen.
Bring one merchant. Watch how we treat them.
The fastest way to evaluate Payco as a partner is to hand us one deal and follow it through the portal.
Start in fifteen minutesThe four program splits — 20% Payco Referral Partner, 40% Payco Pilot, 70% Payco Advantage and starting 80% Payco Office — are the published agency-program rates; the program you are assigned, the higher splits' backend-direct terms and the Payco Office monthly minimum are set by your partner agreement. Residual vesting and retirement buyout terms are governed by that agreement rather than by this page. Payco generally supports low-risk and standard-risk merchant categories and reserves discretion to decline accounts or refer high-risk merchants to third-party providers, so no partner should represent an approval as assured before underwriting. Payco is a registered MSP/ISO of Elavon Inc., Georgia, a wholly owned subsidiary of U.S. Bancorp, Minneapolis, MN, and a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA. Partner line 1-888-908-2638 · Sales@mypayco.com.