ISO & broker questions, answered

Commission is set per file — a 12-point spread pays $12,000 on a typical $100,000 file, and proportionally more on larger ones. What you earn on a given file depends on the buy rate and how you sell it. Volume bonuses apply at 10+ and 25+ funded deals a month.

15 business days after the merchant is funded. We run payouts twice a month on Thursdays, and your commission is released on the first payout run that falls after the 15 business day mark, by ACH to the account you provide at onboarding. Every payout includes a deal-by-deal statement.

No. Registration, onboarding, and deal submission are free. We never charge ISOs application, platform, or maintenance fees.

Our ISO desk acknowledges submissions the same day and complete files submitted during business hours get a formal offer within about 90 minutes.

We approve roughly 65% to 75% of complete applications that meet our published criteria: 6+ months in business, $15,000+ monthly revenue, and a 500+ personal FICO score.

A signed one-page application and the three most recent months of complete business bank statements — that is the whole first submission. Extra statements or processing statements are requested only when underwriting needs them, and the owner's photo ID and a voided check are collected after the merchant accepts an offer, never up front.

Yes, we regularly fund second and third position files. Disclose existing positions up front — undisclosed positions discovered at contract stage will kill the deal.

Every file is underwritten and managed through the Workable Funding Desk. Transactions may be funded directly or through Workable's own capital relationships under our contract, depending on the applicable program. Your relationship stays with Workable, and your ISO identity is treated as confidential within the funding process.

Yes. Your broker and ISO relationship is treated as confidential within the Workable funding process. Merchant communication on broker-submitted files runs through the submitting partner, and renewal commission stays with that partner.

All 50 states and more than 60 industries, including restaurants, retail, trucking, medical practices, construction, and e-commerce.

White-label documentation is available for established partners with consistent volume. Ask your ISO desk contact once you are onboarded.

Register on our ISO Partners page. Our desk verifies your details within one business day and sends your onboarding pack, then you can start submitting deals immediately.