Bring us your book — in any capacity. Partner dashboards, real-time reporting, digital onboarding, and an aggressive appetite for high-risk merchants.
Real-time portfolio view — merchant status, volume, residuals, and chargeback activity — broken down by agent, office, or group.
Send branded online apps, collect documents, and track every file from submission to approval without chasing paper.
Relationships with multiple acquiring banks mean we can place each file with the bank whose appetite actually fits the merchant.
Alerts, prevention programs, and descriptor management to keep your merchants live and your residuals protected.
Line-item residual statements you can reconcile. Paid on time, every month, with clear schedules and buy rates.
Modern gateways, hosted payment pages, recurring billing, and API integrations for e-commerce and subscription merchants.
Reserves, split funding, multiple MIDs, and load balancing structured deal-by-deal — not one-size-fits-all.
A named relationship manager plus direct access to underwriting. No ticket queues, no runaround.
Solo reps who want a direct line to underwriting, real residual reporting, and a team that says yes to hard deals.
Offices with multiple reps. Hierarchy-level reporting, override splits, and your own agent codes under one roof.
Established shops, software platforms, and consultants looking for a high-risk home for merchants others decline.
We learn your book, your verticals, and how you sell — then map a partner structure that fits.
Sign your partner agreement, get your agent codes, dashboard login, and pricing schedule.
Send files through digital apps. We pre-vet, advise on packaging, and place with the right bank.
Watch approvals, volume, and residuals in your dashboard. Scale up with sub-agents when you're ready.
Stop sitting on declined files. We actively want the verticals other shops turn away — and we have the bank relationships to back it up.
All merchant accounts are subject to underwriting review and approval.
Centurion Payment Services partners with ISOs, sub-ISOs, and independent sales agents who need a reliable home for high-risk and hard-to-place merchant accounts.
Every ISO and independent sales agent has had a deal die because the processor said no — a new incorporation, a prior MATCH/TMF listing, an elevated chargeback ratio, or a vertical the bank simply won't touch. Centurion Payment Services exists for exactly those files. When your primary processor declines, we're the partner you call to keep the merchant, protect the relationship, and keep the residual.
Our team has spent more than two decades in high-risk payment processing — underwriting, risk, bank relationships, and portfolio management. We know how acquiring banks read an application, which documents move a file forward, and how to present a merchant so underwriting says yes. That experience is what lets us place CBD, nutraceutical, subscription, adult, dating, travel, credit repair, kratom, and other high-risk verticals.
Conventional ISOs run one bank, one rulebook, one answer. We structure deals: multi-bank placements, reserve and rolling-reserve negotiation, split-volume setups, descriptor strategy, chargeback mitigation tooling, and load balancing across acquirers. When others say no, we look for the path to yes — always subject to underwriting approval, never a guarantee.
Not every deal is high risk — and on clean, low-risk merchants you shouldn't lose to Stripe, Square, or other instant-signup platforms. Our digital merchant application, e-signature, and automated underwriting let qualified low-risk merchants move from application to decision fast, while you keep a real merchant account with dedicated support, better pricing flexibility, and a residual you actually own. Speed of a fintech, relationship of an ISO.
Partners get a white-labeled partner portal with real-time application status, merchant boarding, residual and portfolio reporting, pricing and schedule-A control, merchant lifecycle tracking, and chargeback and risk visibility. Gateway, virtual terminal, recurring billing, hosted payment pages, POS, and API integrations are all available to your merchants from one platform.
No black boxes. You and your merchant see where an application stands, what underwriting needs, and why a decision was made. Residuals are reported clearly and on time, so you always know what your book is earning — the kind of visibility most ISOs and payment facilitators never offer their agents.
Whether you're a solo agent, a sub-ISO, a referral partner, or an agent office, we support you in the capacity that fits your business — with transparent residual reporting, digital merchant applications, direct access to underwriting, and a team that actually answers the phone. You own the relationship; we help you close and keep it.
| Centurion | Typical ISO | |
|---|---|---|
| High-risk appetite | Broad — CBD, nutra, adult, subscription & more | Limited or declined |
| Bank relationships | Multi-bank placements | Single processor |
| Underwriting access | Direct line to decision-makers | Ticket queue |
| Deal structuring | Reserves, split volume, descriptors | Standard terms only |
| Declined / MATCH files | Reviewed case by case | Automatic no |
| Industry experience | 20+ years in high risk | Mostly low-risk retail |
| Partner reporting | Real-time residuals & status | Monthly statements |
| Low-risk onboarding | Digital app, e-sign & automated underwriting | Paper apps, slow reviews |
| Partner tools | Portal, boarding, gateway, POS & API | Limited or third-party |
All merchant accounts are subject to underwriting review and approval.
For sales agents, ISOs & agent groups. No obligation.
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