Payments NGnair

Integrated Payments & ISVs

Real merchant accounts, embedded in your software.

All five profiles
Where you sitYou keep the product
An ISV operates beneath a retail ISO, which sits beneath an FSP and a sponsor bank, while NGnair supplies onboarding, tokenization, processor connectivity, POS deployment, and revenue participation.The hierarchy behind youSponsor bankprogram authorityFSPunderwrites · sponsorsRetail ISOyour partnerYour softwareyou keep the productYour customersapproved merchant accountsNGnair suppliesMerchant onboarding & approvalToken vault & credentialsProcessor connectivityPOS & terminal deploymentRevenue participationAPIs · SDKs · hosted pages · marketplace
You reach the market through a retail ISO, with an FSP and a sponsor bank behind it — so every customer you sign holds an approved merchant account of their own. The payments roadmap underneath is one your engineers never have to build or certify.

Priorities

  • Embedded payment experiences
  • Developer-friendly connectivity
  • Merchant onboarding inside the product
  • POS and terminal deployment for your customers
  • Secure payment credentials
  • Commercial participation in volume

The aggregator model puts your customers on sub-accounts under someone else's master. That works until an audit, a reserve, or a freeze lands on a business that runs on your software — and the call comes to your support desk, on an account you cannot do anything about.

You come to market through a retail ISO, with an FSP and a sponsor bank behind it, so every merchant you generate is individually underwritten and approved before it processes — a real account, stable from the first transaction, not a sub-account inside an aggregate. On top of that sits a full API surface with SDKs, hosted pages, plugins, and an app marketplace across card, bank, and alternative payment methods, with onboarding, a token vault, and reporting already built underneath. You can put terminals and POS hardware in your customers' locations too, not only payments inside the software.

Outcomes for this model

  • Payments live inside the software workflow
  • Every customer gets an approved merchant account, not a sub-account
  • Deploy POS and terminals alongside embedded payments
  • Add rails and methods as the product grows
  • Earn on the payment volume you originate
  • An ISO, an FSP, and a sponsor bank standing behind the program

Where organizations like yours usually begin

Listed in the order this profile typically adopts them. You do not need all of them, and you do not need them at once.

You operate as a software partner of a retail ISO, with an FSP and a sponsor bank behind it. That hierarchy is what lets your customers hold real, approved merchant accounts — and it is who you can lean on when a question is commercial rather than technical.

Not quite your organization?

The same platform, seen from the other four vantage points in the acquiring chain.

Retail ISOs

Win merchants faster, give agents visibility into their own portfolios, and sell more than a processing rate.

Usually starts withAcquisition & Underwriting

Wholesale ISOs & FSPs

Add sub-ISOs, agents, and programs without multiplying reconciliation, compliance work, and residual disputes.

Usually starts withEnterprise & FSP

Enterprise Payment Organizations

Consolidate proprietary systems and add multi-processor flexibility progressively — no all-at-once migration.

Usually starts withEnterprise & FSP

Sponsor Banks & Acquiring Institutions

Gain real visibility across ISO programs and offer distribution partners modern infrastructure — authority unchanged.

Usually starts withEnterprise & FSP

Show us your product, not your payments roadmap.

We'll work backwards from where payments should sit in your software, which ISO partnership fits the customers you serve, and what your engineers would otherwise have to build and certify to get there.

Talk with our team