High Risk Credit Card Processing
WHOLESALE ISO (Independent Sales Organization)
One of Largest Marketers of Credit Card Processing in the US and Abroad.
Sponsored by a number of acquiring and issuing banks.
BANK COST PLUS RATES
MERCHANT CASH ADVANCES
INTERNATIONAL CREDIT CARD PROCESSING
ALL MERCHANTS INCLUDING HIGH RISK
What is an ISO, or Independent Sales Organization ?
An ISO is usually synonymous with a credit card processing company. Also called a Merchant Service Provider (MSP). A few merchants thinking working with an “ISO” is not as good as a direct processing relationship with a major banking institution. In reality, ISOs can be huge companies and often have much more flexibility than big financial institutions.
The other terms are Association which is a major brand such as Visa. Then there is an association member bank, which is usually a large institution like Union Bank or Chase.
While it is possible to get direct relationships with member banks, many of them restrict their services to limited areas, and may not offer great rates compared to ISOs. (Some banks charge $35 for a 25 cent overdraft, so they may not care too much about getting you competitive credit card processing rates.)
As a business owner, you should have no problem going through an ISO, though it pays to understand more about the volume and services offered
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