ISO, Agent & Referral Program

Partner With the Processor That Says Yes

An ISO, agent, and referral program built on the merchants other processors turn away - with lifetime residuals behind every deal.

Why this program

Your declined deals are our approved accounts

Every agent has a drawer full of merchants the big processors wouldn't board - CBD, firearms, nutra, adult, high-volume, high-chargeback. Those aren't dead leads. They're residual income waiting for a processor that underwrites them on purpose. That's the program.

Who it's for

Built for the people who move payments

Whether you board one merchant a month or run a full sales floor, the program scales to you.

ISOs

Independent Sales Organizations

Agents

Independent sales agents

ISVs

Independent Software Vendors

VARs

Value-Added Resellers

Referral

Referral partners

Why partner with Karma Card Payments

What you get

A program built so more of your pipeline actually boards - and keeps paying.

Lifetime residuals

Earn on every account for the life of the merchant - not a one-time bounty.

The high-risk advantage

Place the verticals that get declined elsewhere, so more of your pipeline actually boards.

A dedicated team

Real support across onboarding, underwriting, marketing, sales, and service - not a ticket queue.

Onboarding done with you

A full onboarding demo and hands-on help closing your first sale.

Ongoing training

Kept current on payment trends so you're selling what's working now.

Portfolio buyout

Expanding - or de-risking? Either way.

Looking to grow your book, or take chips off the table? Our portfolio buyout program is straightforward and transparent - built to match you with the right buyer and support you through every stage. No mystery, no pressure.

Fraud & chargeback tools you can offer

Protection your merchants actually feel

Every account you board comes with the risk tools high-risk merchants need - which makes them easier to sell and easier to keep.

3D Secure

Adds an authentication step that secures online transactions.

Tokenization

Replaces sensitive card data with a safe stand-in symbol.

P2PE encryption

Protects cardholder data in transit, end to end.

How it works

Three steps to your first residual

1

Apply

Submit the online pre-approval application. Quick, no commitment.

2

We match

We pair your merchants with the right solution at competitive rates and handle the groundwork.

3

You earn

You focus on the funnel; lifetime residuals build on every boarded account.

FAQ

Questions partners ask

What makes this different from other ISO programs?

The approval rate on hard merchants. We underwrite high-risk verticals on purpose, so deals that die elsewhere actually board here - and a boarded deal is a paid residual.

Do I need a minimum volume to join?

The program scales to you, whether you board one merchant a month or run a full sales floor. Any specific volume minimums or partner tiers are confirmed on your partner call.

What support do I actually get?

A dedicated team across onboarding, underwriting, marketing, sales, and service, plus an onboarding demo and help closing your first deal.

Start your partner application

We'll match your merchants and you build the residual. Quick to apply, no commitment.