Card Processing
Support for card-present and card-not-present merchants across a broad range of industries.
✦ Payments infrastructure for ISOs
Built for ISOs. Backed by infrastructure that scales.
Grow your portfolio with a processing partner built to support your merchants, protect your relationships, and help you compete across more verticals.
One partner team.From first review to ongoing support.
Your portfolioOne payments ecosystemBuilt to scale
CardACHRisk
Portfolio coverageMore ways to say yes
Hands-on underwriting
Card processing+ACH+Gateway+Risk+Chargebacks=One relationship.
01 - Capabilities
More than a processing relationship.
Your processing partner should help you win business-not limit the business you can pursue.
paycosmos provides the technology, infrastructure, risk expertise, and support needed to build and scale a stronger merchant portfolio.
ACH Processing
Expand your offering with ACH capabilities backed by underwriting, monitoring, and reporting.
Payment Gateway
Give merchants modern payment technology for accepting and managing transactions.
Underwriting & Risk
Work directly with a team that understands both traditional and complex merchant profiles.
Chargeback Mitigation
Help merchants proactively manage disputes and reduce chargeback exposure.
Dedicated Partner Support
Work with a dedicated Relationship Manager for portal training, onboarding guidance, and ongoing partner support.
02 - One relationship
Stop stitching together your payments stack.
ISOs shouldn’t have to maintain five different processing relationships just to serve their merchant base.
paycosmos helps partners consolidate more of their portfolio under one payments ecosystem-creating more opportunities to say yes, fewer merchants sent to competitors, and more revenue retained.
Talk to Our Partner Team
Relationship 04Chargebacks
Relationship 03ACH & risk
Relationship 02Complex merchants
One relationshippaycosmosConsolidated
Help retain more merchantsCreate more revenue opportunities
From our partners
Macpayments, LLCpaycosmos has been an exceptional processing partner for our organization. Their ACH and card payment solutions are flexible, reliable, and built with the kind of customization our merchants actually need. Richard, in particular, delivers top‑tier support — responsive, knowledgeable, and genuinely invested in helping us succeed. Working with paycosmos has elevated our payment capabilities and strengthened the experience we provide to our merchants.
03 - Portfolio fit
Built for traditional and complex merchant portfolios.
Every merchant isn’t the same-and underwriting shouldn’t pretend they are.
Our team evaluates businesses based on their actual operating model, processing history, financial profile, fulfillment, compliance, and risk.
01Retail & traditional02E-commerce
03SaaS & recurring billing04Subscription businesses
05Travel06High-ticket businesses
07Prop trading08Nutraceuticals
09Online education10Complex verticals
Merchant eligibility and available services vary by business model and are subject to underwriting review and approval.
Start a conversation
Have a merchant you’re unsure about?
Send us the opportunity. Our underwriting and partner teams will review the profile and help you understand available options and next steps.
Direct access to our partner team