Sell more, close faster, keep more residuals.
You already know how to sell merchant services. What you don't have is a back office that gets out of your way. Xray builds the agent program we wanted when we were on the street — industry-leading residuals from day one, a real CRM, real underwriting, and a marketing-quality proposal builder that doesn't look like it came out of 2008.
Built for: Sales pros who know merchant services and want better tech, better residuals, and a CRM that doesn't hate them.
Everything you need to build a real sales agents book.
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.
Sales-PIN locked rate adjustments
Your sales PIN protects your floor rates. Other agents on your team can't give your customer your price. Your book stays yours.
4 brands, 5+ processors, 1 login
Clover, Valor, PAX, Dejavoo — and we place merchants on TSYS, Fiserv, Priority MX, WorldPay, Elavon. You don't have to learn five back-end portals.
Residual visibility in real time
See every merchant on your book, the residual you earned this month, year-to-date. Drill into one merchant; see every transaction. No more "trust us, your check is in the mail."
3-day average activation
Signed application Monday, hardware on the merchant's counter Thursday. Most processors take two weeks; we built our boarding workflow to ship faster.
Marketing assets that close
Branded statement-savings analysis (we read the merchant's last statement and show the math), spec sheets, comparison PDFs — all white-labeled to your name if you want.
5 steps from interest to revenue.
Apply (10 minutes)
Send us your license, your background, your last quarter of production. We approve sales agents inside 48 hours.
Get Discovery access
Your login goes live. We import your existing book if you bring portable residuals; otherwise you're fresh and ready.
Run statements + proposals
Pull up a prospect in Discovery, drop their statement into the savings analyzer, build a 3-device proposal cart with live commission math, hit send.
Ship hardware
Merchant signs the OLA digitally; you submit. We board, KYC, and ship pre-configured hardware in 3 business days.
Get paid monthly
Residuals + lease splits direct-deposited the 15th. Year-end 1099 auto-generates. Done.
What you'll actually earn.
No "trust us." Here's the math in writing.
Built for sales agents, included free.
Side-by-side with what you're probably running today.
| Xray Payment | Typical ISO | |
|---|---|---|
| Residual split | Industry-leading from day one · premium for top producers | Typically lowballed with hidden ramp-downs |
| Ramp period | None — first deal pays at full split | 90-day ramp; first three deals at half rate |
| CRM included | Discovery — built in-house, free | You buy Pipedrive ($60/mo) + Excel |
| Proposal builder | Multi-device cart with live calc | PDF you fill out in Acrobat |
| OLA / application | Digital wizard + e-sign | Fax this 8-page PDF |
| Statement analysis | AI reads the statement; one-click | You retype the rates |
| Buyout multiple | Up to 36x trailing residuals | Lowballed — if you can find a buyer |
| Hardware buy rate | Your cost; sell at any margin | ISO marks up, you eat the spread |
| Mobile app | Discovery on phone & tablet | Desktop only |
The reasons partners stay.
We built Discovery because we were agents. Every feature exists because we needed it at 9pm on a Tuesday with a customer in front of us.
Our residual splits are public. We don't negotiate them down per deal. You see the math; you keep half. No surprises.
We sponsor on five processors. When one declines a merchant for a category code, we move them to another. You stop losing deals to "we can't board this."
You own your book. Portable residuals; buyout multiples in writing; book passes to your heirs.
Sales Agents questions, straight answers.
Do you accept agents with existing books?
Yes — and we'll import your residual reporting into Discovery so you can see your full book in one place. Portable residuals come with you; we don't lock them.
How fast do I get my first residual check?
Direct deposit on the 15th of the month after your merchant boards. Typical agent gets their first check 30-45 days after signing their first deal.
Can I bring my own merchant base?
Yes — we re-board your portable accounts in your name. Most agents move 50-80% of their book in 90 days and stop the bleed of old-processor fees.
What about W-2 agents under my agency?
You're an ISO at that point — see the ISO partner page. Discovery natively supports sub-agents with rolled-up reporting.
What does it cost to join?
Nothing. No app fee, no monthly fee, no minimum production. You make money when your merchants make money.
How is the buyout calculated?
A multiple of your trailing-12-month residuals — up to 36x — scaled by tenure and book quality. We'll model the exact economics with you and put every number in writing before you sign.