Hawthorn
Global Payments · TSYS
The primary cash-flow processor. Strongest bonus stack, deepest hardware ecosystem, broadest vertical fit. Default placement for most retail and restaurant SMB unless there's a reason to go elsewhere.
Processor Partners
Multi-processor placement is the product.
Most ISOs are mono-processor: they sell whichever backend they're contracted with, full stop. We aren't. FinCo runs five processor relationships in parallel, and every merchant placement is the result of an underwriting and economics comparison across the lineup. The merchant always wins.
Our Lineup
Five processor relationships. One placement decision per merchant.
Each partner is here for a reason — their underwriting strength, their pricing structure, their hardware ecosystem, or their vertical-specific edge.
Netevia
Fiserv North
Fiserv-backed. Strong for accounts where the back-end matters and where Hawthorn underwriting is tight.
Luqra
Solutions in Payments · TSYS
TSYS-backed. Used for accounts where the Solutions-in-Payments pricing structure wins on a specific volume profile.
Cliq
Solutions in Payments · Fiserv North
Solutions-in-Payments on Fiserv North. Complementary placement when Luqra isn't the right TSYS fit.
PayArc + Humble Payments
Fiserv · Coming soon
Expanding the Fiserv side of the lineup for additional placement flexibility on tougher underwrites.
Why Multi-Processor Matters
The merchant inherits the optionality, not the lock-in.
A single-processor ISO has exactly one answer to every merchant's question. If their processor doesn't underwrite your industry, you don't get a deal. If their processor's hardware doesn't fit, you compromise. If their processor's pricing model isn't right for your card mix, you overpay.
A multi-processor ISO can match the placement to the merchant. That's a structurally better outcome for every merchant we onboard — and it's why our merchant life is longer than the industry average. Long merchant life is the engine of every other thing we promise.
Curious which placement fits your business?
Upload your current statement. We'll compare the lineup against your actual volume + card mix + vertical and tell you which placement wins.