Your position
15.0–20.0pts
L1 to L4, by volume
ISO · MOTO / CNP · United States
Card-not-present acceptance for businesses the mainstream won't underwrite.
You have the terminal, the storefront and the customers. We have the acceptance. Volume runs through your existing POS, settles to your account, and the margin is split by written schedule — not by conversation.
ISO · not a bank · review in 1–3 days
PLACEMENT DESK · LIVE SAMPLE
Keyed volume around 120k a month. Hospitality. I already own a VX 520.
Card-not-present hospitality, 120k. That lands at L2: 17.0 points, T+2 settlement, 10% reserve for 30 days. Your terminal is already supported — we configure it, no device change.
What happens if chargebacks spike?
Above 1.5% we cut your processing limits first. Your position does not move. 48 hours without improvement suspends the channel. That is in the agreement, not in a sales call.
We publish the range before you commit. We tell you when the numbers don't work. We don't hold your money, and we don't pretend the decision is ours.
We are an independent sales organization. We don't hold your money and we don't make the credit decision. We place the file with an acquiring partner who prices card-not-present volume honestly, configure the gateway on the terminal you already own, and reconcile with you every day.
What a declined order actually costs
A $1,200 invoice you can't take is not a lost sale — it's a customer who now knows you can't take it. Three of those a month at a 30% margin is $1,080 of gross profit a year, gone, quietly, with nothing on any report. We don't fix demand. We fix the part where the card doesn't go through.
01
What you get, in writing
Your position
3k→50k+
3k at L1 → 50k+ at L4
T+3→same-day
L1 T+3 → L4 same-day
10%→5%
10% at L1 → 5% at L4
WhatsApp or email — someone who can read your file, not a ticket queue.
02
Three stages, and what arrives at each one.
From file to first settlement
Apply
Three fields: monthly card-not-present volume, current provider, business email. No bank statements, no call before we'll talk to you.
Three fields, no statements, no call first.Underwriting review
One to three business days, read by a human. You get one of three answers: approval, a counter-offer with the reason, or a clear no.
A person reads the file. Written answer, either way.
MID and terminal configuration
A test account (MID) capped at 500 USD. Then staged limits: 500 a day for three days, 2,000 a day for seven. Slow on purpose.
Capped at 500 USD. Result inside 24 hours.First settlement
Settlement follows your tier. Every midnight UTC you receive the reconciliation file: time, amount, first six and last four of the card, status, response code.
Reconciliation file at midnight UTC, every day.