§ 00Payment technology · United StatesMerchants · Partners · Institutions

Merchly is a technology-first ISO. We build the tools merchants use to get paid, the platform ISOs and agents use to scale, and the programs community banks and credit unions use to bring modern payments to their business customers.

The Merchly platformWho it's for

Get paid every way your customers pay, and keep the business running smoothly.

PAYCards & ACHAll channels
INVMerch InvoiceQuickBooks
PCICompliance programGuided
SUPSupport24/7/365
See merchant tools

One partner portal and CRM to sign merchants and grow your book.

RESResidual reportingBy merchant
SUBSub-agentsYour team
CRMCRM & dialerBuilt in
APPOnline applicationsWith documents
See partner tools

For community banks and credit unions: merchant services for your business customers, your way.

BRDBranded programYour name
REFReferral programRevenue share
PRTPartner portalReporting
SUPMerchant supportBy Merchly
See institution programs
  • PCIPCI DSS compliant processing
  • UWEvery industry, including high-risk
  • SUPUS-based support, 24/7/365
  • TRMMonth-to-month merchant terms
§ 01What we doThree audiences · one platform

Most processors compete on a rate. We compete on what you can do with it: get paid every way your customers pay, see your whole book in one place, and offer payments under your own name.

  1. MER · MerchantsRun smoothly.Payments, invoicing, compliance and support from one relationship.
  2. ISO · ISOs & agentsScale your book.Residuals, sub-agents, a CRM with a dialer and online applications in one partner portal.
  3. FI · Banks & credit unionsServe business customers.A branded or referral merchant services program, with reporting built in.
§ 02MerchantsLane MER

Everything a business needs to get paid and keep moving.

Accept payments, invoice from QuickBooks, stay compliant and get help any hour — in any industry, including the ones other processors turn away.

PAY · Payment acceptance

Accept payments every way your customers pay.

All payment solutions

INV · Merch Invoice for QuickBooks

Invoice in QuickBooks. Get paid without re-keying a thing.

Save an invoice in QuickBooks Online and your customer gets it with a secure pay link. When they pay, the payment is recorded back in QuickBooks automatically.

See the QuickBooks integration

PCI · Compliance

PCI compliance, guided.

We walk you through PCI compliance and send reminders before it lapses, so staying compliant isn't one more thing to track.

UW · Underwriting

Any industry, including high-risk.

Underwriting for 11 industries, from restaurants to CBD and firearms.

Browse industries

TRM · Pricing

Clear pricing, month-to-month.

No early termination fee, and your rate and terms are in writing before you sign.

See pricing

A specialist replies within one business day.

§ 03ISOs & agentsLane ISO

Technology that grows your book.

One partner portal to sign merchants, track residuals and support your whole team.

Partner portal · ResidualsSample

September 2026 · by book, with merchant counts

DIRDirect · 42$6,184.20
SUBJ. Alvarez · 18$1,902.75
SUBK. Osei · 11$1,140.10
Total residuals$9,227.05
Illustrative figures, shown in the partner portal's residual report layout.
  1. 01

    Residual reporting

    See what you earned, broken down by merchant and by sub-agent.

  2. 02

    Sub-agent management

    Add sub-agents and see their books alongside yours.

  3. 03

    Rate sheets

    Your pricing schedules, kept in one place.

  4. 04

    CRM with a built-in dialer

    Work your leads and call them from the same screen.

  5. 05

    Online merchant applications

    Send a link; merchants apply, upload documents and verify their bank account online.

  6. 06

    Equipment deployments

    Track terminal orders and setups for every merchant you sign.

  7. 07

    Merchant support tickets

    Open and follow support requests for your merchants.

For ISOs, agents and sub-agents.

§ 04Banks & credit unionsLane FI

Bring modern payments to your business customers.

Community banks and credit unions partner with Merchly three ways. Our partnerships team will help you choose.

  1. BRD

    Branded merchant services

    Offer payment processing, invoicing and merchant tools under your institution's name. Merchly runs the technology and support behind it.

    BrandYours
    Technology & supportMerchly
  2. REF

    Referral program

    Refer business customers to Merchly and share in the revenue. We onboard and support them directly.

    BrandMerchly
    You earnRevenue share
  3. PRT

    Partner portal & reporting

    See your merchants, their processing volume, your revenue share and open support tickets in one place.

    Merchants & volumeReported
    Support ticketsTracked

Or call (800) 492-7947.

§ 05Questions

What people ask us first.

From merchants, partners and institutions alike. Anything else, ask us directly — we're here 24/7/365.

What does Merchly do?
Merchly is a technology-first ISO. We provide merchant services and build the software around them: tools for merchants to get paid and stay compliant, a partner portal and CRM for ISOs and agents, and merchant services programs for community banks and credit unions.
How do ISOs and agents partner with Merchly?
Send a partner inquiry and tell us about your book. Partners work from the Merchly partner portal: residual reporting, sub-agent management, rate sheets, the CRM and dialer, online merchant applications, equipment deployments and support tickets.
How do banks and credit unions work with Merchly?
Three ways: a merchant services program under your own brand, run on Merchly's technology; a referral program where you share in the revenue; and a partner portal to see your merchants, their volume, your revenue share and support tickets. Our partnerships team will help you choose.
How fast can a merchant get approved?
Most standard-risk applications are approved within 24 hours. High-risk categories typically take 2–5 business days for underwriting review.
Is there a contract or early termination fee?
Merchants get month-to-month terms with no early termination fee. Your rate and terms are detailed before you sign anything.
Do you support businesses other processors have declined?
Yes — we specialize in high-risk categories like CBD, adult entertainment, vape/tobacco/firearms, and subscription billing, working with underwriters who know those industries.
§ 06Field notesAll posts →

Plain-English notes on payments, compliance and growth.

Merchant Education

What is a merchant account?

The purpose of this article is to talk about the basics of a merchant account, explain the different types of merchant accounts and help a user better understand which is the best account for them.

Merchly Team

Merchants · Partners · InstitutionsReply within one business day

Build what's next in payments with Merchly.

Merchants: a specialist replies within one business day with a custom quote. ISOs, agents, banks and credit unions: our partnerships team will walk you through the platform.

Free quote · No obligation

Get your free quote

Tell us a bit about your business and a Merchly specialist will follow up within one business day.

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