Three ways to grow with Xray.
Whether you sell merchant services yourself, run an ISO, or build software that needs embedded payments — we built a path for you. Best-in-class economics, the Discovery platform, and a partnership model that doesn't squeeze you on every deal.
Find the partner program that fits your business.
Every path has its own deep page with economics, features, comparison tables, and the exact playbook for getting started.
Sales Agents
Independent sales reps and W-2 agents who sell merchant services every day.
-
Industry-leading residuals from your first deal No 30-day ramp. No buy-rate sliding scale. No "we own the first 90 days." Top performers earn premium splits we'll model with you live — every number in writing before you sign.
-
Discovery — our in-house CRM The platform we built for ourselves. Drag-and-drop pipeline, multi-device proposal cart with live lease/sale math, OLA wizard, encrypted document vault, chargeback tracker, commission worksheet — all yours.
-
Mobile-first — sell from your phone Discovery works on iPhone, Android, tablet, desktop. Take a proposal at the customer's counter, sign the OLA from the parking lot, ship hardware before you drive home.
ISOs & Agencies
Independent Sales Organizations and sub-ISOs running their own agency book.
-
White-label Discovery as your platform Your logo, your colors, your domain (discovery.yourisoname.com). Your sub-agents log into YOUR platform. We disappear from the UI entirely.
-
Multi-bank sponsorship TSYS, Fiserv, Priority MX, WorldPay, Elavon — under one ISO agreement. Place every merchant on the bank that fits their MCC and risk profile.
-
Sub-agent management built-in Discovery natively handles sub-agent hierarchies — roll up reporting, override residuals, see every deal under your house. Spatie role-based permissions enforced server-side.
ISVs & SaaS Platforms
Software vendors and SaaS platforms embedding payments into their product.
-
PFaaS — embedded payments without the lift Submerchant onboarding, KYC, settlement, 1099-K — all under your brand. We hold the PayFac license; you hold the customer.
-
Smart routing across 5 processors Visa goes to the cheapest. Amex goes to the best Amex rate. Debit goes to debit-optimized. Your code stays the same.
-
Unified data layer across every processor One reporting API, one webhook payload, one schema. No more "we support 4 processors but each one has its own quirks."
The same things we wanted when we were on the other side of the table.
Discovery — our in-house platform
The CRM + proposal builder + OLA wizard + signing platform we built for ourselves. Free to every partner. White-labeled for ISOs and ISVs.
5+ sponsor banks orchestrated
TSYS, Fiserv, Priority MX, WorldPay, Elavon — under one agreement. We approve merchants other ISOs decline.
Buy rates in writing
No "discretionary adjustments." No hidden ramps. You see our cost; you set your markup; we share what's above.
Real training, real support
Live onboarding for agents, dedicated account manager for ISOs, sandbox + docs + Slack channel for ISVs. Not a help-desk ticket queue.
Real-time everything
Residuals updated daily. Reporting that doesn't require a CSV download. APIs for the data you want to pull into your own systems.
You own your book
Portable accounts. Buyout multiples in writing. No restrictive non-competes. We treat your book like the asset it is.
Which one fits your business?
| Agents | ISOs | ISVs | |
|---|---|---|---|
| You are | An individual seller | An agency with sub-agents | A software company |
| Sell to | Merchants you find | Merchants via your team | Customers using your software |
| Revenue model | Industry-leading residual + lease splits | Premium ISO revenue share | You set markup over buy rates |
| Platform access | Discovery (Xray-branded) | Discovery white-labeled to your brand | Full API + 6 SDKs + sandbox |
| Onboarding | 48-hour agent approval | 2-week ISO agreement | 5-min sandbox / 4-8wk PFaaS |
| What you bring | Sales skill + book | Brand + sub-agents + book | Software with users who pay |
| Compliance lift | None | Standard ISO obligations | None — we hold the PayFac license |
The platform every partner gets — for free.
Discovery is the CRM + proposal builder + OLA wizard + document vault + chargeback tracker we built in-house. Agents get it. ISOs get it white-labeled. ISVs use it as the back-office for their PFaaS account.
For Agents
Pipeline + proposals + commissions + residual visibility. Sell from your phone, your tablet, your laptop. Same data everywhere.
See the platform →For ISOs
White-labeled to your brand. Sub-agent hierarchy. Cross-agency reporting. Multi-tenant data isolation enforced server-side.
See the platform →For ISVs
The back office for your submerchant base. Plus an API-driven version of every tool — vault, recurring, signing, chargebacks.
See the platform →