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Merchant acquiring
Sponsor banks for payfacs, ISOs and fintechs
Last updated October 11, 2026
A sponsor bank is the bank that stands behind a payfac, ISO, or fintech program. We introduce programs to banks that already sponsor this kind of business, including foreign fintechs that need a US sponsor, and we build the file their compliance teams review. The bank decides. Approval is never guaranteed.
We place payment processing, business banking and crypto rails for high-growth, complex businesses with institutions that take the industry, then watch the chargeback ratios, reserves and reviews that get accounts closed, with more than one rail so one bank's no doesn't stop the business. Approval is never guaranteed.
Who it's for
- Payment facilitators that need their own sponsor bank
- ISOs moving off someone else's paperwork
- US fintechs launching or moving a card program
- Foreign fintechs that need a US sponsor bank
What the bank needs
- Ownership and control of the program
- A plain description of who you serve and what you won't
- Flow of funds and where reserves sit
- Compliance policies the bank can read
- History of other bank relationships, including exits
The BIN sponsor answers to Visa for every merchant your program boards. Visa watches the sponsor's whole card-not-present portfolio at 0.5% and 0.7% VAMP ratios, so your program's MCC mix decides whether a sponsor takes it.
Related
Questions
Do you sponsor the program yourselves?
No. A bank sponsors the program. We make the introduction and build the file. Approval is the bank's decision and is never guaranteed.