ISOs & sub-ISOs
Stop depending on one processor. One API call away from five.
Bring your merchants, use Ozura’s rails, keep your brand on the front. Sub-merchant hierarchy, residual engine, CRM, and native multi-country payouts — with up to 90% referral payout on converted merchants.
Processors routed
5+
Multi-processor routing on one API
Referral payout
Up to 90%
On converted merchants
Payout corridors
USA · MX · CA
ACH, wire, push-to-card
Build-vs-buy
Weeks
Vs 12–18 months in-house
Where the gaps are
The problems every ISO has with their current stack.
Pain point
Single-processor dependency
Most ISOs are anchored to one acquirer. When that processor has downtime, raises rates, or terminates a merchant category, you have no recourse and no pricing leverage.
Pain point
Residual engines built in Sheets
Commission calculation across tiers is a custom engineering project or a fragile spreadsheet. Both break when volume scales.
Pain point
No sub-ISO hierarchy tooling
Agent management, sub-ISO nesting, and commission splits at depth require infrastructure you’re expected to build yourself.
Pain point
Payout logistics
Commissions usually get paid through whoever processes them, which means lock-in. Native multi-country payouts rarely exist.
How Ozura closes them
Infrastructure your program can actually grow on.
Sub-ISO hierarchy, out of the box
Agent → sub-ISO → ISO → program. Configurable at every level. Reporting rolls up or drills down without custom SQL.
Residual engine that runs on transactions
Per-transaction commission splits, across processors, full audit trail. It already runs Ozura’s own ISO network.
Commission payouts, multi-country
ACH, wire, or push-to-card to agents in USA, Mexico, Canada. One rail for every commission type.
Analytics that match your comp plan
Volume by agent, residual by cohort, settlement match rate by processor. The numbers your book depends on, live.
Compliance owned at the platform
KYC, KYB, OFAC, FinCEN BOI via ozVerify. You underwrite; we handle the evidence trail.
Partner CRM + portal
Onboard agents, manage merchant books, review residuals. White-label if your program deserves it.