Build a payments business, powered by Reyna Pay.
Bring us merchants. We handle infrastructure, compliance, and support. You get a branded portal at your-business.reynapay.com and earn recurring commission on every transaction.
Three steps to your own payments business
You apply, we approve
Tell us about your business, your network, and what verticals you sell into. We approve qualified partners within 5 business days.
You get a branded portal
Custom subdomain, your logo, your colors. Marketing toolkit shipped to your inbox. Onboarding call to walk you through the platform.
You earn on every transaction
Standard rate: 25% of net processing margin. Paid monthly via ACH. As long as your merchants process with us, you get paid.
A complete payments business in a box
Everything you'd need to launch a merchant services agency, without the licensing, the underwriting infrastructure, or the bank sponsorship paperwork.
Branded merchant portal
Your logo, your colors, your subdomain. Merchants you bring in see your brand, not Reyna Pay's. We handle the infrastructure invisibly behind your brand.
Marketing toolkit
Pre-built one-pagers, sales decks, demo videos, and email templates. Customizable to your brand. We even provide pitch scripts for the conversations we know work.
Underwriting handled
Submit a merchant application, we approve or decline within 24 hours. Risk, compliance, KYC, OFAC checks: ours to manage. You focus on bringing the next merchant.
Recurring commission
25% of net processing margin on every transaction your merchants run. Paid monthly via ACH. As long as the merchant processes with us, you get paid.
Built for operators who already sell
Independent sales reps
Currently selling for a large processor and tired of the comp plan changing every quarter? Bring your book, own your residuals.
ISOs leaving large agencies
Tired of fighting your principal for residual transparency? We publish exactly how the math works. No hidden splits, no surprise haircuts.
Industry consultants
Already advising salons, restaurants, or gyms? Add a payments revenue line. Refer clients you'd refer anyway, get paid forever.
Business brokers
Closing M&A deals where the seller is on a different processor? Convert during the transition, take the residual.
Pricing transparency
Partner program: $0 to start. Monthly software fee for the branded portal: $99/month on the standard plan. We never charge upfront enrollment fees. We never charge for marketing materials, training, or onboarding.
[PLACEHOLDER, Robert to confirm final pricing]
Disclosure: Reyna Pay LLC is the merchant services provider for all merchants on the platform. Partners are independent referrers, not licensed money transmitters or money services businesses. Partner agreements are available on request. Income examples are illustrative; actual earnings depend on the partner's production. The Reyna Pay Partner Program is not a franchise or business opportunity under federal or state law and does not require an FTC Franchise Disclosure Document or equivalent state registration. No earnings claims are made or implied.
What partners ask us first
Zero upfront enrollment fees. The branded portal carries a monthly software fee (see /pricing). We never charge for sales training, marketing materials, or your first merchants. The economics are simple: you only pay for the platform that runs your branded business.
No. You operate as an independent referrer or independent sales agent, not a money transmitter. Reyna Pay LLC is the merchant services provider; merchants contract with Reyna Pay directly. You get attribution and commission for the relationship. This structure means you don't need state money transmitter licenses to operate.
25% of net processing margin per transaction. Net margin = total processing fees collected from the merchant minus interchange, network assessments, sponsor bank costs, and platform infrastructure costs. We publish the exact formula in your partner agreement, and your dashboard shows the math on every transaction.
Monthly, by ACH, within 15 days after month close. You'll see real-time accruals in your partner dashboard so you know what's coming.
Most low-to-medium risk MCCs are eligible. High-risk verticals (CBD, firearms, adult, certain debt-collection categories) require special underwriting and may not qualify. We'll tell you upfront what we can and can't board.
Reyna Pay handles all merchant support, chargebacks, and technical issues. You're not on the hook for support, but you're welcome to be the relationship contact if you want to. Many partners use our support as their support.
Yes. The branded portal lives at your-business.reynapay.com (or your own subdomain pointing at our infrastructure). All merchant-facing communications, statements, and the portal itself can carry your brand.
30-day notice to cancel. We continue paying residuals on existing merchants for the life of those merchant accounts (subject to your partner agreement). You're not held hostage, but you keep earning on what you built.
Ready to build something of your own?
Apply to the partner program. We'll respond within 5 business days.