FinCo works with leading hardware, software, gateway and processing partners to assemble the right setup for each client we serve. We layer custom pricing on top, plus services that make the account worth more than processing alone. Then we pass as much of the savings as we can back to the merchant, because growing them is how we grow.
If a partner relationship doesn't exist that fits a specific client, we build one. If a better one comes along, we add it. We're never locked to a single vendor or processor — and we won't ask you to be either.
We don't have a "default" processor we steer everyone toward. Each merchant gets matched to the backend whose pricing model, underwriting strength, hardware ecosystem, and vertical fit win on their numbers.
Our Super ISO relationships give every merchant we onboard the operational depth of a national platform — billing, reporting, 24/7 merchant support, fraud monitoring, hardware fulfillment, and chargeback handling. You get the backbone of an enterprise processor, run by a team that already does this at scale.
For merchants who need processing tied into a POS, online ordering system, scheduling tool, or vertical SaaS, we work with Independent Software Vendor partners whose integrations are already certified. No janky workarounds — the processor is built into the software your business already runs.
We're not locked to one processor backend. Each merchant placement is matched to the processor whose pricing model, underwriting strength, and vertical fit win on their specific numbers. If the right one isn't already on our bench, we'll add it for the deal.
Cannabis-adjacent, firearms, CBD, nutraceuticals, high-ticket subscription, ecom with elevated chargeback exposure — verticals other providers decline. We work with partners who underwrite them properly. If your business is "hard to place," tell us — there's usually a path.
All of that infrastructure is the foundation. Sitting on top is something most providers can't replicate: a direct line to the FinCo principal who placed your account. Statement questions, fee disputes, fraud reviews, hardware swaps. You text your consultant. Same day.
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 consultancy can match the placement to the merchant. That's a better outcome for the merchants we onboard, and it's the part of the model we built FinCo around. Long merchant life is the engine of every other thing we promise — and it's the metric we're measured on.
You never see the plumbing, and you don't need to. What you get is the upside of a national platform with the attention of a firm that answers the phone.
Billing, reporting, 24/7 merchant support, fraud monitoring, hardware fulfillment and chargeback handling — the operational depth of an enterprise processor, without you managing any of it.
Your account isn't a ticket number in a queue. A named person who knows your business handles statement questions, fee disputes, fraud reviews and hardware swaps — same day.
No single-processor template. Pricing model, hardware, software and gateway are assembled per account around how your business actually takes money — and reconfigured when it changes.
Equipment shouldn't be a barrier. There are programs to spread hardware cost, credit it back over time, or cover it up front — we'll walk you through the options that fit your cash position.
Multi-processor means multiple underwriting appetites. A business one processor declines is often a clean approval on another — including verticals most providers won't touch.
No contracts, no cancel fees, no rate creep. If your business outgrows a placement, we move you — the relationship is the product, not a 36-month lock.
Upload your current statement. We'll compare our lineup against your actual volume, card mix, and vertical, and tell you which placement wins. If your vertical is non-standard, mention it in the notes — we'll route accordingly.
