The deal degrades on the way to yes.
A merchant needs an account. Today, that deal gets forwarded from agent to ISO to ISO to processor, each one taking a cut and adding a week, and the rate gets chewed down before it ever reaches an acquirer who can actually say yes. Everyone in between can only pass it along — nobody in the chain can fund it. By the time it lands on a desk that can, there's barely any rate left to work with.
How it works
-
01
Post the deal.
Volume, region, MCC, chargeback ratio, and the rate you want. Takes about two minutes.
-
02
Acquirers see it.
They fill it at your rate, or send back a counter.
-
03
You accept or move on.
Take the counter, adjust your number, or leave it on the book.
The mechanic
The number on the book is what the acquirer gets. What your merchant pays is your business and stays private.
Joe has a $500k/month merchant in Turkey. He posts 4.50% — that's the acquirer's rate. He's told his merchant 5.00% and keeps the 0.50% spread himself.
If an acquirer takes it at 4.50%, Joe's done. If one counters at 4.75%, Joe either takes less out of the middle or goes back to his merchant for more room. Either way the number on the book moves up until someone says yes — or Joe walks.
What you submit
Two tiers. Post fast, or come prepared — your call.
Tier 1 — To put it on the book
About two minutes. This is all an acquirer needs to price it.
- Legal entity name + country of incorporation
- Website URL — and is it live?
- MCC / vertical — what they actually sell
- Region(s) needed
- Requested monthly volume
- Average ticket / high ticket
- Currency + settlement currency
- Current or previous processor (or "new")
- Chargeback ratio, last 3 months
- Ever terminated, or on MATCH/TMF?
- Your rate on the book + auto-accept floor
- Card brands needed / recurring vs one-time
Tier 2 — To close
Submit alongside your listing to move faster, or after an acquirer picks it up.
Entity
- Incorporation docs
- Certificate of good standing
- Tax ID / EIN / VAT
- Business license, if regulated
- Physical address
Ownership
- Every beneficial owner at 25%+: name, DOB, address, government ID, tax ID, ownership %
- The control person
- Structure chart, if layered
Processing history
- 3–6 months of processing statements
- Volume and ticket history
- Chargeback and refund ratios
- Prior terminations
Banking
- Bank letter or voided check
- 3–6 months of bank statements
- Settlement account
Website compliance
- Terms of service
- Privacy policy
- Refund / return policy
- Delivery policy
- Working contact info
- Requested descriptor
Vertical specifics
- Product description
- Fulfillment model and timeline
- Marketing methods
- Free trial or negative-option billing
- Required licenses
Disclosures
- MATCH/TMF history
- Litigation
- Regulatory actions
Every acquirer runs its own compliance — this pack speeds that up, it doesn't replace it.
What early access means
Nothing here is live yet — this is a founding cohort forming. The book is opening to a first group of agents, ISOs, and merchants.
No fee to post. No fee to list. Founding members lock their rate when pricing arrives.
Questions
- Does my merchant's identity get exposed?
- No. What goes on the book is the shape of the deal — volume, region, MCC, chargeback ratio, rate. Identity moves when you decide it moves.
- Do I lose my commission?
- No. You bundle it into the rate you post. Your merchant sees one rate, the way they always have.
- What if nobody takes it?
- Adjust your number, take a counter, or leave it sitting. Nothing expires on you without warning.
- How is this different from shopping it myself?
- One post instead of twelve emails, and the acquirers on the other side can actually say yes rather than passing it along.
- What does it cost?
- Nothing to join, nothing to post.
- What about KYB?
- Submit it with your listing to move faster, or after someone picks it up. Each acquirer still runs its own.