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What is An Independent Sales Organization?

In the world of credit card processing, the work of an independent sales organization is a valuable asset. Often referred to simply as an ISO, the organization works alongside a bank card association while remaining a separate entity from that association. There are several key functions that the ISO provides to the association, resulting in benefits for both the customer and the entity that issues the credit cards.

Securing New Clients for the Association

One of the main functions of an ISO is to find new clients who need the services offered by an association like a bank or a credit union. As this relates to credit card processing, this means the establishment of merchant accounts that the client uses to receive payments from his or her customers. As part of the process, the representative of the ISO will present a plan that includes specific rates for card processing, and may even offer the equipment needed to initiate and complete transactions using credit cards.

Exploring the Options of Terminal Leasing and Purchase

An ISO will also help the client determine if purchasing terminals as part of the arrangement is the best bet, or if leasing that equipment is a better option. This will vary based on the type of business enterprise the client operates, the volume of the transactions, and a number of other factors. The goal is to help structure merchant accounts so that they work seamlessly for those clients, and ensure that the money from those transactions appears in bank accounts within the shortest window of time possible.

Customer Service and Support

An independent sales organization will also offer ongoing customer service and support to the client. This begins at the time a decision is made to establish an account. The rep will help with the setup of the terminal, provide instruction in how to process payments, and basically walk the client through all the features that come with the terminal. In future, the rep will be available to answer questions, offer support in troubleshooting if it becomes necessary, and even advise the client of opportunities to upgrade equipment or qualify for discounts off the current rate system.

The bottom line is that an effective independent sales organization brings together clients who need high-quality merchant accounts with the associations that can provide them. Helping to manage that relationship ensures that all parties benefit from the arrangement, and continue to do so for many years to come.



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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