Clearing and Settlement

Partnerships Personalized, Payments Optimized

Our proprietary clearing and settlement platform offers ISOs and Payment Facilitators more autonomy and greater flexibility than the traditional large acquirer programs. As your payments partner, we’ll build a program completely customized for you and your unique needs. Supported by our high-touch service, powerful payments engine, and intuitive reporting tools, we can ensure on-time and accurate transaction processing.

End-to-End Processing Solution

Provide your merchant clients with a best-in-class end-to-end payment experience through our proprietary back-end clearing and settlement platform coupled with the TSYS® front-end authorization platform.

• Boarding APIs
• Flexible system hierarchy options
• Next day funding
• Full suite of customized reporting and residuals

• Flexible billing options
• Hold funding and reserve system
• Fully PCI-DSS compliant
• In-house risk processing

• Online chargeback and dispute processing
• Annual 1099 reporting
• Support for down line residual payments
• Online risk system with user-defined parameters

BIN/ICA Implementations in as Few as 60 Days

Whether you have your own existing BIN/ICA or need one, we can manage the transition and set up. And best of all, we can make it happen in as few as 60 days, compared to our competitors who can take up to one year to deliver. We have simplified and shortened the implementation process so you can expedite your time to revenue and support your merchant clients sooner.

Highly Customizable Partner Programs

Not all sales organizations are the same. We balance power and nimbleness to customize a program to support your business vision.

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Processing ISOs

Utilize our tools and services to support and enhance your internal operations, including risk monitoring, reserve and chargeback management, dispute resolution, residual reporting, and more. Since we are sponsor bank agnostic, you can bring your own bank or we can introduce you to ours.

Payment Facilitation

Our proprietary clearing and settlement platform provides a solid and reliable foundation to help build your program. Whether you are developing on your own or utilizing a third party, we can help you quickly implement front- and back-end transaction processing for a superior end-to-end payment facilitation solution.

Elevate: A Platform Built for Back Office Efficiency

Optimize business tracking through our powerful all-in-one, single sign-on portal, Elevate. Available 24/7 from anywhere, you can manage all aspects of your back office from simplified application boarding with boarding APIs to real-time interchange level transaction details to online chargeback and dispute processing. Featuring a full suite of daily and monthly reporting, Elevate can be white-labeled and even upsold as a client-level platform.

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You're busy enough managing the day-to-day of your business without having to worry about fraud and other security issues. That's why our payment technology is built to support the highest level of PCI data security standards. Utilize our payment vault which tokenizes and securely stores customer data, ensuring maximized protection of transmitted information. Questions on compliance? Contact our dedicated support team!


Peace of mind is easy with REPAY. With multiple bank partnerships, we guarantee redundancies, so you can rest assured there’s a bank behind every transaction.


Our dedicated customer service can assist you through the entire clearing and settlement process. We are dedicated to supporting all your payment acceptance questions and needs – from transaction processing to chargeback monitoring to billing and more!

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