Fast underwriting, real visibility, and a team that picks up the phone. Bring your book, keep your merchants, and let us handle the rest.
You know how payments works. What you need to know is what you'll be using every day — the portal, the residual ledger, the API, and the merchant tools your book lives in.
Every application, every merchant, every status. Filter by stage, flag at-risk MIDs, and message underwriting without leaving the page.
Not a PDF summary. An auditable ledger you can filter, export, or pull via API. See exactly what each merchant paid, what the program cost, and what you earned.
In-house underwriters who actually return your call. 24-hour SLA on standard, 72 hours on high-risk, with a dedicated desk for nutra, CBD, subscription, and ticketing.
We are the processor — underwriting, deployment, risk, and support are all in-house. No daisy-chained vendors, no “let me check with our processor.”
Monthly ACH on the standard program, with same-month wire for top producers. Every payout comes with a reconciled ledger so your CFO doesn't have to guess.
Your merchants call us, not you. Dispute handling, PCI, statement questions, terminal swaps — our CS team is on it so you can keep selling.
40+ high-risk verticals already placed — CBD, nutra, subscription, ticketing, firearms, gaming. Direct sponsor-bank relationships, real underwriting expertise.
Retiring? Moving to a new vertical? Need liquidity against your stream? We'll value your book in 48 hours and write a check — partial or full buyout, earn-out structures, or a refinanced advance against future residuals.
None. We work with solo agents writing 1–2 deals a month and sub-ISOs running offices. No signup threshold, no minimum production quota.
No. Most of our agents write business with multiple processors — we just want to be the one you lead with. We earn that with speed, approvals, and on-time payouts.
Devices ship drop-shipped and pre-programmed to the merchant — Valor, Dejavoo, Clover, PAX, KwickPOS, EPOS Now, or RPOWER depending on the vertical. Replaced if broken. If a merchant churns, send it back — no clawback.
Send us a redacted export of your residual report and merchant list. We'll value the book on attrition, margin, and risk mix in 48 hours, then offer partial, full, or earn-out terms. If you'd rather keep the book, we also do portfolio financing against the stream.
Yes, at producer volume. White-label covers your own subdomain, your logo on terminals and email, and the option to front-end merchant support with your brand.
Residuals are calculated by an independent accounting system, reconciled monthly, and auditable by you at any time. We'll send our last 12 months of on-time payout attestations on request. Partnerships will also put you in touch with three references at your volume tier.
First Data/Fiserv, TSYS, Elavon, and Valor for card-present; NMI, Authorize.Net, and Stripe Connect for card-not-present. High-risk placements go through our specialty sponsor bank network.
Fifteen minutes on a call with our partnerships team. Send your current statement or your buy-rate and we'll tell you exactly how you'll do on PayMullet — and what we'd pay for your book if you're ever ready to sell.