All About Independent Sales Organizations in the Payment Industry

A business owner who wants to expand his or her business operations list their products on an e-commerce website. However, the majority of transactions on an e-commerce website involves receiving payment through credit cards. In order to obtain the capability of accepting such payments, the business owner has to apply for a merchant account with a bank, a specialized merchant service provider or independent service organizations.

Banks are selective regarding the businesses with which they will provide merchant accounts. Instead, many business owners have availed the services of independent sales organizations for providing credit card processing services. Independent sales organizations are the middlemen between the acquiring bank and business owner. They provide services of finding, opening, and managing merchant accounts on behalf of the business in return of a fee or percentage of commission based on a business’ sales. Independent sales organizations are also called merchant service providers by MasterCard or when they provide other financial transaction processing services.

Since ISOs do not have to adhere to the strict laws and regulations like banks do, they are able to offer their credit card processing services to owners with a low credit rating in exchange for a higher fee. While giving preference to the independent sales organization over any other financial institution, merchants can benefit from the following:

– Ability to buy or lease credit card processing equipment

– Establishing both a merchant account as well as an Internet merchant account

– Accepting a wide range of credit and debit cards

– Offering other services such as telephone, mail, and mobile services

– Handling the burden of PCI DSS compliance and other technical requirements

ISOs and MSPs should not be regarded as banks. They are only sponsored by the processing bank, a member of VISA and MasterCard or by any other approved credit card association. The actual handling of the money is done by the processing bank that has a contractual relationship with the ISO. Therefore, it is possible that an ISO can be sponsored by multiple banks that are also members of the credit card association. While selecting any ISO or MSP, the business owner should check the website and marketing materials to know the name of the bank sponsor, learn about them, and understand the services better.



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

Linda Garner from Regali Da Forno

I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
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