An Independent Sales Organization (ISO) is a certified third-party provider that facilitates payment processing for businesses by managing merchant accounts. ISOs work in partnership with acquiring banks, giving them the authority to offer secure and reliable merchant services.

While ISOs are sometimes misunderstood, many business owners assume that working directly with a large bank is the safer route. In reality, ISOs like Pactra Processing offer a level of flexibility, personalized support, and streamlined service that large institutions often can’t match—all while maintaining the same standards of security and compliance.

While many businesses default to banks for payment processing, Independent Sales Organizations (ISOs) often provide greater flexibility, competitive pricing, and more personalized support—with the same level of security.

ISOs can partner with multiple acquiring banks and technology providers, allowing them to customize solutions based on your unique business needs. By focusing solely on payment processing, ISOs deliver added value in areas like rates, support, and advanced payment tech—areas where banks often fall short.

Unlike big banks, ISOs typically offer more responsive, human-centered customer service. You get direct support from a team that understands your business and can adapt quickly as your needs evolve.

Bottom line? An ISO can offer the specialized service and flexibility today’s businesses need to grow.

Pactra Processing offers transparent pricing, cutting-edge technology, and personalized support. We focus on what's best for your business—delivering tailored solutions, fast funding, and expert service that helps you grow and succeed.

Once we receive all the required information, your account can be approved and processing can begin in as little as 24 hours. Most accounts are fully set up within 24 to 48 hours, depending on the complexity of your business and documentation.

We provide proactive chargeback monitoring, dispute management tools, and clear guidance to help you respond quickly. Our team works with you every step of the way to reduce risk and defend your business when chargebacks occur.

We support a wide range of businesses—from retail stores and restaurants to online shops, mobile service providers, salons, gas stations, and more. Whether you're brick-and-mortar, mobile, or e-commerce, Pactra has a solution for you.

Most customers understand and appreciate the option to save when paying with cash. With clear signage and proper implementation, Cash Discount programs are widely accepted and often seen as a fair way to manage rising processing costs.

Once your account is boarded, your equipment is delivered and installed same-day or next business day—so you can start processing with no delays.

Pactra Processing provides our merchants with next day funding. We set up the equipment to batch out your daily transactions to receive your money in your account the next business day. 

Batching is a simple process that allows you to review the day’s charges and then submit for deposit.

To begin processing, you'll need to provide:

• Government-issued ID (Driver’s License)

• Store phone number and email address

• Social Security Number (SSN)

• Tax ID (EIN)

• Voided check or bank account details

• EBT information (if applicable)

PCI (Payment Card Industry) compliance refers to a set of security standards designed to protect cardholder data during transactions. Merchants and payment processors must meet these standards to ensure that sensitive information, like credit card numbers, is kept secure.