GLOSSARY
What is an ISO (independent sales organization)?
An ISO, or independent sales organization, is a company registered with the card networks through a sponsor bank to sell merchant accounts. It places merchants with acquiring banks and supports them after approval.
How it works
ISOs prepare applications, match each merchant with a bank that will underwrite its category and earn a share of processing revenue. Many high-risk merchant account providers are ISOs.
Why it matters for high-risk brands
For a high-risk brand, a good ISO is the difference between being declined everywhere and being placed with a bank that accepts the category.
FAQ
ISO (independent sales organization): questions
Is an ISO a bank?
No. The ISO places you with an acquiring bank, which holds the merchant account and carries the risk.
Does Resub work with ISOs?
Yes. Resub opens merchant accounts in the brand’s own name through its network of processing partners.