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The Unbound Payment
Processing Platform.

Payments, to the Qor. Go direct, grow unbound. QorPay puts direct processing and PayFac capabilities on one consolidated platform: a single integration to QorCommerce, our Qloud-native payment ecosystem, connecting payments and settlement across the Americas and beyond, with a leading compliance framework already in place.

Built as one platform. Operated end to end.

The first CommerceOS: API-firstQloud-nativeAI-Native
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Card present QorConnect · @theEdge Online checkout Hosted · embedded · .js ACH Debits · credits · tokens APMs Wallets · BNPL · local rails Crypto/Stablecoin BTC · ETH · USDC QorCommerce Owned and operated by QorPay Automated Underwriting Tokenization Circuit Breakers Clearing & Settlement Visa Mastercard Amex Discover ACH network Crypto/Stablecoin → to Fiat $ Deposit
Visa American Express · OptBlue ACH BNPL Card-present Tokenization L3 / CEDP Surcharging
Mastercard Discover Wallets Crypto / Stablecoin → fiat Card-not-present 3DS step-up Least-cost routing Recurring billing

Who is QorPay for?

Four buyers, four different problems. Software platforms embed payments or run a full PayFac program. ISOs run portfolios with real residual transparency. Merchants, including the ones mainstream processors decline, process directly. Sponsor banks get a program built to survive their audit.

Platforms & ISVs embed payments · run a full PayFac program ISOs portfolios · line-item residuals Merchants declined elsewhere · processed directly Sponsor banks a program that survives the audit 4242 4242 4242 4242 4242 PayFac too Portfolio MID 1 MID 2 residuals · line-item $42.00 declined elsewhere approved here underwriting reads the business, not just the MCC underwriting policy exposure controls program reporting the examiner walks it, step by step QorCommerce four problems, one platform: underwriting → routing → processing → settlement same vault · same ledger · same support chain, whichever door you came in

Platforms & ISVs

Embedded payments and PayFac-as-a-Service on APIs you can ship this quarter.

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ISOs & portfolio operators

Multi-tenant tooling, line-item residuals, and a direct stack with no middle processor.

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Direct merchants

Direct processing, plain pricing, and underwriting that reviews the business, not just the MCC.

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Sponsor banks

Documented underwriting policy, real-time exposure controls, full program reporting.

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What does owning the stack change?

Most "payment platforms" are a skin over someone else's processor. QorCommerce is not: authorization, settlement, and risk run on infrastructure QorPay owns and operates. That changes three concrete things.

The typical stack a reseller on someone else's processor Merchant Gateway ISO / reseller Processor Bank + margin + margin + margin 4 hops · margin stacked at every one · your ticket rides an upstream queue vs QorPay direct the processor is the platform Merchant QorCommerce underwriting → settlement · one owner Networks 1 hop · no stacked margin · the team that runs the ledger answers the ticket

No stacked margin

Resellers pay a processor and mark it up. We are the processor, so pricing starts lower and stays legible.

One support chain

A settlement question never gets forwarded to a vendor. The team that runs the ledger answers it.

Roadmap you can influence

Need a boarding field, a report, a payout schedule? We change our own platform. No upstream ticket queue.

1. Underwriting Automated Underwriting · KYC / KYB · credit policy 2. Boarding MID issuance · embedded onboarding 3. Intelligent Routing the transaction prepared before it moves · staged delivery 4. Tokenization card + ACH vault · PCI scope reduction 5. Processing CP · CNP · ACH on one set of REST APIs 6. Clearing & Settlement clearing records · deposits reconciled to the penny 7. Risk & Compliance sets the signals · Network Compliance Monitoring Circuit Breaker MID / BIN health (veto) Approval Performance Least-cost network L3 / CEDP 3DS step-up token vs PAN settlement + dispute outcomes feed Intelligent Routing, the whole loop Intelligence spans the stack: MID/BIN · ARC 1 transaction key: auth · settlement · dispute, recorded once, learned from everywhere

What is QorCommerce?

QorCommerce is the first CommerceOS: a commerce operating system that is API-first (one set of REST APIs underneath every surface), Qloud-native (built and operated on our own infrastructure), and AI-Native (intelligence built on the closed data loop only a processor holds, with people signing every consequential call). It covers the full merchant lifecycle and the commerce around it. Its modules are named things because they are actual systems, not marketing labels:

  • Automated Underwriting: KYC/KYB, risk scoring, and MID issuance in one boarding flow.
  • Circuit Breaker: in-line authorization control that recognizes doomed retries and anomalous flow in real time, with enforcement rolling out per portfolio; the first delivered piece of QorPay's MID/BIN Intelligence layer.
  • Network Compliance Monitoring: continuous card-brand rule and registration tracking.
  • QorConnect and Qor@theEdge: card-present processing, from countertop terminals to edge devices.
  • Refleqtion: near-realtime transaction injection into the platform.
  • Recurring: subscription billing with proration, risk-banded dunning, usage billing, and revenue recognition, available now.
  • QorElementals, the embeddable UI SDK: payment fields today, KPI, billing, and virtual-terminal widgets at GA end of Q3 2026.
  • QorCRM: the operating system an ISO office runs on, 40+ modules from the first lead to a live MID to penny-exact residuals.
  • Qor.Store: storefront commerce built onto the payment relationship, so the volume stays on your rails.
live Automated Underwriting KYC / KYB · risk score · MID issuance live Circuit Breaker in-line auth control · MID/BIN Intelligence live Network Compliance Monitoring card-brand rules · registrations live QorConnect · Qor@theEdge card-present · terminals to edge devices live Refleqtion near-realtime transaction injection · CP + webhooks now available Recurring proration · dunning · usage · rev rec core live · expanding QorElementals payment fields live · widgets GA Q3 2026 available QorCRM ISO office OS · lead to MID to residuals available Qor.Store storefront commerce · your rails live in production staged delivery

How fast can you integrate?

First test transaction in minutes: the sandbox is public, the test cards are documented, and auth is two header keys. This is a real call against the test environment.

Frequently Asked Questions (FAQs)

Is QorPay a payment processor or a payment facilitator?

Both. QorPay is a registered payment facilitator of Pathward, N.A. and processes transactions directly on QorCommerce, the platform we built and operate. We are not reselling another processor’s stack.

Who sponsors QorPay?

QorPay is a registered Payment Facilitator of Pathward, N.A. (Sioux Falls, SD) and a registered ISO of Synovus Bank (Columbus, GA) and Chesapeake Bank (Kilmarnock, VA). American Express acceptance runs through the OptBlue program.

What does PCI DSS Level 1 mean?

Level 1 is the strictest tier of the Payment Card Industry Data Security Standard, required of providers handling over 6 million transactions a year. It means QorPay passes an annual on-site audit by a Qualified Security Assessor, not a self-assessment questionnaire.

Do you resell another processor?

No. QorCommerce is our own platform: underwriting, boarding, authorization, settlement, risk, and compliance run on infrastructure we own. When something needs fixing, the people who wrote it fix it.

What is a CommerceOS?

A CommerceOS is a commerce operating system: payments, billing, storefront, CRM, and risk operating as one platform instead of a pile of integrations. QorCommerce is the first, and it is three things by design. API-first: one set of REST APIs underneath every surface. Qloud-native: built and operated on our own infrastructure, bound to no one else's stack. AI-Native: intelligence built on the closed data loop only a processor holds, where machines draft and recommend and people own every consequential decision.

Evaluating processors this quarter?

Tell us what you're building and we'll show you the exact flow on QorCommerce, sandbox keys included, no discovery-call theater.

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