AGENT PROGRAM
Merchant services agent program in English and Spanish
Truvana Tech sets up card processing and POS systems for restaurants and stores in DC, Maryland and Northern Virginia, and pays agents and referral partners for the owners they bring.
- Pay terms in writing
- Training in English or Spanish
- Work in your own community
What you sell as a merchant services agent
Two ways to join our merchant services agent program
A merchant services agent program pays independent people to bring businesses to a card processor. You introduce an owner who signs up, and you earn a bonus or a share of the monthly residual.
Option 1: referral partner
Make the introduction and earn a bonus
You introduce an owner you know to our team. We do the statement review, the written quote, the install and the training in English or Spanish, so the introduction is all you do.
- A bonus for each account that signs
- For accountants, suppliers and owners
Option 2: agent
Earn monthly residuals on accounts you support
You take each account from the first statement review through the install, with our local team on site beside you, and stay the owner's contact. You earn a share of the monthly residual plus a bonus for each new account.
- Residuals while your accounts stay
- For people who know local owners
How to become a merchant services agent
Nothing starts until your pay terms are in writing.
- 01
Apply
Use the form at the end of this page.
- 02
Get your terms in writing
Your split, your bonus, the pay date and what happens to your residuals if you leave.
- 03
Learn the products
Training on the products, the pricing and the paperwork, in English or Spanish.
- 04
Bring your first owner
Start with a free statement review: the owner sends one statement and we show every fee.
Residual income in merchant services, worked out
A residual is your share of what an account earns every month. For example, a restaurant with $40,000 a month in card sales and a 0.25% markup earns $100 a month before the split.
| Your accounts | Their monthly card sales | Residual before the split |
|---|---|---|
| 1 restaurant | $40,000 | $100 |
| 20 restaurants like it | $800,000 | $2,000 |
| The same 20, after 2 close or switch | $720,000 | $1,800 |
Your written agreement sets your share of each residual.
The agent contract terms to get in writing
With us, these five terms are in writing before you start. Ask any agent program for the same five:
- Vesting: when the residuals become yours.
- Stopping: what, other than fraud, can end them.
- Leaving: whether they keep coming, and whether you can pass them on or sell them.
- Non-solicit: only the accounts you signed, not every owner you know.
- Merchant losses: whether you pay part of what a merchant owes, and up to what limit.
ISO agent program questions
What is an ISO agent program?
An ISO (independent sales organization) is a company registered with Visa and Mastercard through a bank to sign up businesses that take cards. Its agent program lets you sell under that registration and share the residuals, without registering as an ISO yourself.
Do I need a license to sell merchant services?
Agents who work under a registered company usually don't register with Visa or Mastercard themselves. We tell you if anything else applies where you work.
Do I need experience?
No sales experience is needed. We train you in English or Spanish, and knowing local owners matters more than a sales background.
Is this a merchant services sales job?
It is commission work: a bonus for each account that signs and, for agents, a share of the monthly residual. Your written agreement says what you earn and when.
When are residuals paid?
Residuals are paid monthly. The exact pay date is in your written agreement, with your split and any bonus.
What happens if a store closes?
The residual from that account stops. Residuals grow with the accounts you add and shrink when one closes or switches.
Can a processor stop paying my residuals?
That depends on your agreement, so get in writing what, other than fraud, can end them. Disputes over residuals end up in court: in 2019 a federal judge ordered a processor that had stopped paying an agent firm's residuals, $133,000 a month, to pay more than $5.4 million; the processor said it would appeal (Digital Transactions, June 27, 2019).
Will I have to sell equipment leases?
No. Truvana Tech sets up card processing with no contract and no equipment lease, and every owner sees each fee in a written quote first. That protects your name too: in 2022 the FTC said one processor sold to small businesses in the owners' native language, with English-only paperwork, a three-year term and a $495 cancellation fee (FTC, July 29, 2022). Owners can use our switching checklist.
Can I be an agent outside the DC area?
For now, Truvana Tech works with agents in DC, Maryland and Northern Virginia, where our local team installs and supports each account. See where we work and about Truvana Tech.
Apply to the agent program
Tell us where you work, the languages you speak and the businesses you know, and pick referral partner or agent.