Technology-first ISO

We build the technology payments run on.

Merchly provides merchant services and builds the software around them — for merchants, for the ISOs and agents who sign them, and for the community banks and credit unions that serve them.

Company recordPublic
Legal entityKarma Holdings LLC
Organized inVirginia
Doing business asMerchly
Card dataPCI DSS compliant
Merchant termsMonth-to-month
Support24/7/365
§ 01Why we exist

Merchant services shouldn't stop at the rate. We build the software around processing, so merchants run smoothly, partners grow, and banks can offer modern payments to the businesses they serve.

§ 02Who we build forThree audiences · one platform

One platform, three sides of every sale.

  1. MER · Merchants

    Run smoothly.

    • Payments in person, online and by phone
    • Merch Invoice for QuickBooks
    • Guided PCI compliance
    • Support, 24/7/365
    • High-risk underwriting
    See merchant solutions
  2. ISO · ISOs & agents

    Scale your book.

    • Residual reporting
    • Sub-agent management
    • Rate sheets
    • CRM with a built-in dialer
    • Online merchant applications
    See the partner portal
  3. FI · Banks & credit unions

    Serve business customers.

    • Branded merchant services
    • Referral program
    • Partner portal & reporting
    See institution programs
§ 03How we work5 principles

What we believe, and what it looks like in practice.

  1. 01Build it ourselves.

    Our partner portal, CRM and invoicing software are built in-house, so we can keep improving them for the people who use them.

  2. 02Answer every time.

    US-based support by phone at (800) 492-7947 and by email at support@merchly.io, 24 hours a day, every day of the year.

  3. 03Put terms in writing.

    Merchant pricing is quoted for each business and put in writing before anyone signs — month-to-month, with no early termination fee.

  4. 04Serve every industry.

    We underwrite standard and high-risk businesses alike, including the categories other processors turn away.

  5. 05Protect card data.

    Processing is PCI DSS compliant, and merchants get a guided PCI compliance program with reminders before it lapses.

§ 04Get in touchReply within one business day

Talk to the right team.

  • MER

    Merchants

    Get a custom quote in writing from a specialist.

  • ISO

    ISOs & agents

    See the partner portal and talk through your book.

  • FI

    Banks & credit unions

    Choose a branded or referral program with our partnerships team.

  • SUP

    Existing customers

    Support is open 24/7/365.

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.