Up to 90% residual payout
The ISO stack most platforms spend 18 months building. Available now, as infrastructure.
Bring your merchants, use Ozura’s rails. Sub-merchant hierarchy, residual engine, CRM, embedded checkout, and processor-agnostic routing — all white-labelable, with up to 90% referral payout on converted merchants. The highest disclosed rate in the industry, and the infrastructure to back it up.
Referral payout
Up to 90%
Highest disclosed rate in market
Processor coverage
5+
Multi-processor routing on one API
Payout corridors
USA · MX · CA
ACH, wire, push-to-card — live in staging
Time-to-ship
Weeks
Vs 12–18 months building it yourself
Why the 90% matters
Building the ISO distribution layer yourself is 12–18 months of engineering: residual calculation, sub-merchant hierarchy, agent commissions, payout rails, partner portal.
Ozura ships all of it. The 90% referral rate is what happens when the incumbent pays an agent 30% — and we’re not trying to pocket the delta. You bring distribution; we bring infrastructure.
What you get
A partner program built like infrastructure.
Sub-merchant hierarchy, ready out of the box
Agent → sub-ISO → ISO → program. Every level configurable, every merchant scoped correctly, every reporting view rolled up or drilled down without a custom build.
Residual engine, not a spreadsheet
Commission splits calculated per transaction, across processors, with full audit trail. Ozura already runs its own ISO network on this engine.
Payout rail connected
Multi-country disbursement to USA, Mexico, and Canada via ACH, wire, or push-to-card. Agent commissions and ISO residuals flow through the same rail.
Partner CRM + portal
Onboard agents, track merchant books, manage pricing, review residuals. Branded to your program if you want it white-labeled.
Reporting that matches how you sell
Volume by agent, residual by cohort, settlement match rate by processor. The numbers your commission structure depends on, live and correlated.
Compliance handled at the platform
KYC, KYB, bank ownership, OFAC, FinCEN BOI — via ozVerify. Credentials stored in PCI Vault. You underwrite merchants; we own the infrastructure.
Who it’s for
Distribution partners at every layer.
ISOs & sub-ISOs
Bring your merchants, use our routing, earn residuals on your own book. Processor-agnostic from day one — you’re never stuck on one acquirer’s roadmap.
Banks & credit unions
White-label the whole stack. Your business customers get a modern payment product with your logo on it. You don’t touch a single line of payment code.
ISVs / SaaS embedders
Add payments to your software. Sub-merchant hierarchy, embedded checkout, residuals on every transaction your customers process.
PSPs expanding into multi-processor
Stop depending on one acquirer. Route across five from a single API. Keep your brand on the front. Keep the margin.
Bring your merchants
Your book. Your brand. Our rails.
Applications are reviewed within 24 hours. Bring a merchant list, your pricing model, and any existing processor relationships — we’ll slot Ozura in without disruption.