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Epitychia
Referral & Channel Partners

Refer the deals you
can't board.

Every ISO, agent, and platform has a no-pile — the high-risk, foreign-owned, cross-border, and healthcare deals that fall outside the box. Send them to us. We board them on our own rails, service them, and pay you a residual for the life of the account. We don't compete with you, and we don't go around you.

We are a processor and an ISO with direct acquirer relationships, built for the merchants other shops turn away. That makes us the natural home for your overflow — and a recurring revenue line you are probably leaving on the table today.

Who we partner with

  • ISOs & payment agents. Send us the high-risk, foreign-owned, and cross-border decks that fall outside your underwriting box. Your declines are our pipeline.
  • ISVs & SaaS platforms. Monetize payments across your merchant base through embedded processing and PayFac-as-a-service, without building the infrastructure or holding the risk.
  • Accountants, bookkeepers & fractional CFOs. Your clients are overpaying on processing and asking you who to use. Now you have an answer that pays you.
  • Formation & registered-agent services. You stand up Wyoming LLCs for foreign founders; we give them the US merchant account and settlement that comes next.
  • Sourcing agencies, freight forwarders & trade consultants. Your cross-border clients need durable US payment rails. We build them.
  • Healthcare, RCM & EHR consultants. Pair your revenue-cycle work with patient-payment processing behind Epic and other systems.
  • Web & marketing agencies. Refer the payments integration; we handle it and pay you.

How it works

  • 1. You refer. Introduce us to a merchant, or simply forward a deal you can't or won't board. One email is enough to start.
  • 2. We do the work. Underwriting, boarding, integration, support, and risk — end-to-end, co-sold, or white-labeled under your brand. Your choice, deal by deal.
  • 3. You get paid. A residual share for the life of the account, reported transparently and paid every month. Plus referral fees on consulting, development, and cross-border setup.

What you earn

Real, recurring residual — not a one-time bounty. You earn a share of the processing margin on every account you send, every month, for as long as the merchant processes. High-risk and cross-border deals carry richer economics than vanilla retail, so your no-pile is often worth more than the deals you keep. We put the split in writing before you send anything, and we report it cleanly so you can see exactly what each account pays.

Why partners choose us

Three reasons, and they are the three places other ISOs let partners down. First, we board what others decline — so your hardest deals finally have a home instead of dying in a "no." Second, we are the processor, not a reseller skimming someone else's markup, so the residual is durable. Third, we protect the relationship: we service the payment, pay you, and stay out of your client base. No poaching, no end-runs on the next deal.

Partner FAQ

Straight answers for ISOs, agents, and platforms.

What do I actually earn?
A share of the residual on every account you send, paid monthly for the life of the merchant — not a one-time bounty. On consulting, development, and cross-border setup engagements we also pay referral fees. The exact split scales with volume and how involved you stay; clean retail and high-margin high-risk are weighted differently. We put it in writing before you send a single deal.
Do I have to sell or support the account?
Your call. We can take it fully end-to-end — underwriting, boarding, integration, support, risk — and just pay you, or we co-sell with you, or we run the whole thing white-labeled under your brand. Most partners hand us the deal and keep the relationship.
What kind of merchants are you actually good for?
Especially the ones other processors decline: high-risk (CBD, kratom, nutraceuticals, supplements), foreign-owned US LLCs, cross-border exporters, and healthcare / revenue-cycle. We also board straightforward retail and B2B. If you have a "no" pile, that is exactly what we want to see.
Will you compete with me or poach my clients?
No. We service the payment and pay you the residual. We do not cross-sell your client behind your back or go around you on the next deal. The relationship stays yours. Partners who have been burned by other ISOs notice the difference quickly.
We are the processor — not a reseller, right?
Correct. We hold direct acquirer and sponsor-bank relationships and board onto our own rails, which is why we can underwrite the hard files and why the residual is real and durable rather than a thin slice of someone else’s markup.
How fast do deals board and residuals pay?
Clean files board in days. High-risk and cross-border typically run one to three weeks depending on documentation and underwriting. Residuals are reported transparently and paid monthly.
Become a partner

Send us your
no-pile.

One short call to align on economics and a one-page agreement, and you can start sending deals this week. Tell us what kind of merchants keep falling outside your box.

Become a partner → Ask a question