What does an ISO get here that a reseller can't give?
A direct stack. QorPay processes on QorCommerce, the platform it built, so your program sits one layer from authorization and settlement instead of three layers from someone else's.
That changes the daily reality of running a book. Pricing is against real processing cost, not a reseller's marked-up buy rate. A settlement or funding question goes to the team that runs the ledger, not into a forwarding chain. And when your program needs a boarding field, a report, or a payout change, QorPay modifies its own platform rather than filing a ticket upstream.
You built the book. Register with us and own the economics that come with it.
How do residuals work?
Residuals are calculated monthly at the line-item level and paid on a fixed schedule (TODO: verify payout day). Every statement breaks out volume, interchange, fees, and your split per merchant, so you reconcile to the penny instead of accepting a lump sum.
Statements are available in the portal and by API. If your back office runs its own residual system, pull the raw lines through Reporting and compute the split yourself. The numbers will match, and if they ever don't, you are talking to the processor that produced them.
Ask us to walk you through a live residual statement, line by line. Book the meeting and bring your current one to compare.
How do you manage a multi-tenant portfolio?
Through Channels, the multi-tenant layer of QorCommerce. A channel is a portfolio node: it holds merchants, sub-portfolios, pricing, and access control, and it nests as deep as your org chart does.
A principal sees the whole tree. A sub-office sees its branch. An agent sees their merchants. Pricing and residual splits are set per level, so a sub-ISO with its own agents runs its own economics inside your program without spreadsheet glue.
And your team watches it themselves. The Partner Portal gives your people self-serve, read-only access to the book: every merchant's standing in the directory, per-program compliance detail one press away, portfolio reports for any month as PDF or CSV, and an acknowledgment log that turns each review into a dated record. Sign-in is a one-time link and code, a partner admin runs your team's roles and access, and every visit lands in an access trail you can pull as a report of your own.
Can I move a book of merchants?
Yes. Portfolio migration is a managed process, not a form: QorPay reviews the book, maps the merchants to program underwriting, and boards them in batches so processing continuity holds.
Merchants with tokens at a prior processor are handled during migration planning, and hard-to-place accounts get a manual review rather than a blanket decline. The goal is moving the book without losing the merchants that make it valuable.
Migration is a project we run with you, not homework we hand you. Start the conversation before your current agreement renews for another term.
What underwriting support exists for hard-to-place merchants?
Every file gets reviewed as a business, not just as an MCC. Automated Underwriting clears the straightforward accounts, and the ones that trip a threshold route to a human with authority to approve with conditions.
Conditions are concrete: reserves, volume caps, or enhanced monitoring under Circuit Breaker. That gives you a real answer for merchants other programs auto-decline, and it gives the sponsor bank a documented reason for every approval.
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