White-label our entire stack. Keep your brand.
You're running an ISO. You don't need another upstream that treats you like a sub-agent. Xray gives you Discovery as a white-labeled platform, multi-bank sponsorship, sub-agent management with rolled-up reporting, your own buy-rates, and a real partnership model — not the "we take 60%" insult-disguised-as-a-program your last ISO ran.
Built for: Agencies and ISOs with their own brand, their own sub-agents, and their own ambitions — looking for a sponsor that doesn't fight them on every deal.
Everything you need to build a real isos 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.
Your buy rates, your margins
We disclose buy-rates in writing. You set retail pricing. We don't shop your merchants behind your back.
Multi-tenant by design
Every sub-agency gets organization-level data isolation — agents only see their own deals, your admin sees everything. PCI-DSS compliant from the database layer up.
Cross-agency residual reporting
See every sub-agent, every merchant, every dollar of residual — by month, by sub-agency, by sponsor bank. Drill into any deal.
Marketing-quality assets
Branded proposal PDFs, statement-savings analyses, device spec sheets — all white-labeled to your brand. Your sub-agents send YOUR marketing, not ours.
Compliance & audit ready
Encrypted at rest, tokenized card vaults, audit logs on every action, BAA available, PCI-DSS Level 1. We handle the compliance lift so you can focus on growth.
5 steps from interest to revenue.
Sign the ISO agreement
Buy rates, revenue share, white-label terms in writing. Two-week typical close.
Provision your tenant
Discovery deployed at discovery.yourbrand.com. Your logo, colors, terms-of-service. Branded statement-savings PDFs ready to go.
Onboard your sub-agents
Invite your existing agency book; we set up roles, permissions, residual splits per agent. Your hierarchy mirrors your actual org chart.
Migrate your existing book
We help port portable accounts off your old sponsor at no charge. Most ISOs move 60-80% of their book within 90 days.
Scale on your terms
New deals route through Discovery; residuals split per your config; sub-agent reports roll up to you; we run the back office.
What you'll actually earn.
No "trust us." Here's the math in writing.
Built for isos, included free.
Side-by-side with what you're probably running today.
| Xray Payment | Typical ISO | |
|---|---|---|
| Revenue share | Premium share in your favor · transparent buy rates | Lowballed · buy rates "negotiable" (i.e., hidden) |
| White-label CRM | Discovery, free, your brand | No CRM; you buy and integrate one yourself |
| Sponsor banks | 5 (TSYS, Fiserv, Priority MX, WorldPay, Elavon) | 1-2; if they decline, you lose the deal |
| Sub-agent management | Native, with permissions and roll-ups | You build your own; spreadsheet hell |
| Branded materials | Statement-savings, proposals, spec sheets | Their logo on everything; you customize in Word |
| Book portability | Yours — leave with your book | Lock-in clauses, restrictive non-competes |
| API access | REST API + 6 SDKs; build whatever | No API; everything through their portal |
| Compliance lift | PCI-DSS handled at platform layer | Your problem |
The reasons partners stay.
Discovery was built multi-tenant from day one — every CRM table has an organization_id FK and a global scope that enforces isolation. Your sub-agency data is yours alone.
We don't cannibalize. We don't shop merchants behind your back, lower their rates to grab them, or run a "house agent" channel that competes with you.
Our buy rates are written into the agreement. You see the cost; we share what's above it. No "discretionary adjustments."
Five sponsor banks means we approve merchants other ISOs decline — high-risk, niche MCCs, multi-location chains.
ISOs questions, straight answers.
Can I migrate my existing ISO book?
Yes — we help port portable accounts off your old sponsor at no charge. Most ISOs move 60-80% of their book within 90 days.
How is the white-label hosted?
On a dedicated subdomain (discovery.yourbrand.com) with your SSL cert. We can also CNAME to your apex if you want full control.
What does sub-agent management cost?
Nothing — Discovery natively handles unlimited sub-agents with role-based permissions. No per-seat licensing.
Do I get my own buy-rates?
Yes — disclosed in writing in the ISO agreement. We share what's above; you set retail pricing.
Can I bring my own gateway/processor?
For agent-driven retail, no — we stay on our 5 sponsor banks. For embedded/PFaaS, yes — see the ISV path.
What about chargeback liability?
Your sub-agents see their own chargebacks in Discovery; standard ISO chargeback reserve rules apply per bank. We don't hide the math.