Grow your portfolio with Canada's leading commerce partner.
Every merchant you sign should be
one you can keep.
Two ways to partner. Both built to grow.
Stay closely connected to your merchants or take a more portfolio-driven approach. Pick one or blend both as your business grows.
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The commercial relationship stays with you. You're the first call for service, renewals and upsells. Moneris handles the acquiring, settlement and infrastructure in the background—present when needed, out of the way when not.
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Merchants log in to manage their own statements, reporting and dispute workflows. It keeps routine volume off your desk and lets you focus on the accounts that actually need attention.
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Applications move through KYC, AML and underwriting with clear escalation points at each stage. Nothing sits in a queue without a defined next step, and your team isn't left chasing status.
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As your business scales, optional add-ons—training programs, call centre and field services—give you a way to bring in extra capacity without giving up the merchant relationship.
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Manage a full portfolio of merchants and agents in one structure. Where it's agreed, your team services accounts directly on the merchants' behalf. Agent hierarchy and segregation keep individual performance visible and separate as the business grows.
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Statements, transaction data, reconciliation and settlement details are accessible through flexible reporting channels—choose what works for your operation's setup. Full portfolio visibility, no gaps.
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Dispute handling—including adjudication, where contested transactions are reviewed and resolved—can be handled by Moneris or by your team under Moneris oversight. How dispute handling is split is agreed at program setup, not imposed after the fact.
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White-label or co-brand the onboarding flow so your ISO's identity comes through at every step. Servicing is configurable, so accounts can be managed at scale on the merchants' behalf without changing the commercial relationship.
Moneris is the strength and support behind your portfolio.
Dedicated partnership and tailored support
A dedicated ISO team, structured discovery sessions and support levels you can configure—stay merchant-facing or bring in Moneris-led support where it makes sense. Moneris also owns and operates a national fleet of support technicians across Canada, so hands-on merchant help is always close by.
Flexible revenue share and transparent reporting
Buy-rate or revenue-share, it’s your call. Get monthly residual reporting with agent-level visibility, so you always know where the revenue is coming from and how each part of your portfolio is performing.
Full commerce set plus value-added services
Terminals, gateway and ecommerce, virtual terminal and invoicing across every selling channel—plus a ton of value-added services that enable a genuine up-sell story.
A connected integrations ecosystem
Merchants get access to an ecosystem of more than 2,500 integrations built on Moneris infrastructure, including the point-of-sale, accounting and business tools they already rely on.
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You work with a dedicated ISO team from day one—through discovery, go-live and ongoing growth. Clear support pathways are defined up front, so your team knows what to expect and how requests are handled. As your portfolio grows, additional operational support is available—from training programs to call centre and field services. And when merchants need hands-on assistance, Moneris owns and operates a national network of support technicians across Canada.
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Merchants move through KYC, AML and underwriting efficiently, with clearly defined workflows—so nothing sits in queue without a clear next step. Dispute and chargeback handling—including adjudication—can be led by Moneris or managed by your team under Moneris oversight, depending on what works best for your operation.
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Statements, transactions, reconciliation and settlement details are accessible through flexible reporting channels. Give merchants self-serve access or manage the full reporting stack yourself if you own the portfolio.
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Benefit from flexible buy-rates and revenue-share arrangements that reflect how you work. Unlock recurring, transaction-based revenue from your merchant portfolio, reported and paid monthly. Agent visibility and segregation keep the hierarchy clean as it grows.
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White-label or co-brand the onboarding experience so your brand carries through the whole process. Stay front-facing with merchants, or configure servicing to manage accounts yourself if you own the portfolio.
A clear path from onboarding to earnings.
Apply
Submit the merchant application through your branded onboarding flow with everything needed to start the review.
Verify
KYC, AML and underwriting processes are structured to keep applications moving—nothing waits in a queue without a defined next step.
Onboard
Approved merchants go live across in-store and online acceptance, set up to match the relationship's structure.
Earn
Settlement and monthly residuals are tracked at the agent level. Service the relationship, spot the upsells and grow the portfolio.
More to offer. More reasons for merchants to stay.
Retention doesn't come from price alone. The tools below deliver real operational value to merchants—and give your ISO business a reason to have a conversation beyond the initial sale.
Installments Enabled by Visa.
Frequently asked questions about Moneris ISO partnerships.
When an ISO sells merchant services to a business, the ISO’s earnings are typically commission-based, meaning that every time the merchant processes a transaction, the ISO will earn a percentage of the transaction fees. The higher a business's transaction volume, the more residual earnings (or residuals) the ISO will receive. Many will also sell or lease products such as payment terminals at a markup or offer additional services, such as security solutions, at a premium.
An ISO sells and supports merchant payment services on behalf of an acquirer, with each merchant holding its own account that the acquirer underwrites directly. A Payment Facilitator (PayFac) registers directly with the card networks and onboards merchants as sub-merchants under its own master account, taking on more of the underwriting, risk and compliance work itself. That added responsibility also enables a PayFac to offer a more integrated, branded merchant experience, while an ISO typically focuses on sales and relationship management.
Independent Sales Organizations (ISOs) and Independent Software Vendors (ISVs) can play very similar roles in the payments universe, acting as the middlemen between businesses and payment processors, but they come from very different worlds. An ISO is purely a sales organization focused on acquiring merchants and selling only payment-related products or services. An ISV already has its own offering, typically business management software and usually seeks to add value to its platform by providing users with access to integrated payment processing and other embedded finance solutions.
Yes. The program supports ISOs across retail, hospitality and services verticals, POS and solution resellers and regional partner networks across Canada. Moneris's national merchant footprint and direct card network certification mean reliable settlement and faster integration wherever your merchants are based.