BNPL at the Point of Sale: Complete ISO/MSP Guide
77% of US merchants now offer BNPL. Here’s what ISOs and MSPs need to know about buy-now-pay-later at the point of sale – the fees, the margins, and the pitch.
An Independent Sales Organization (ISO) is a third-party company authorized by acquiring banks and payment processors to market, sell, and manage merchant services, such as credit card processing and point-of-sale (POS) systems. They act as intermediaries, enabling businesses to accept payments and offering tailored support, often for higher-volume merchants.
77% of US merchants now offer BNPL. Here’s what ISOs and MSPs need to know about buy-now-pay-later at the point of sale – the fees, the margins, and the pitch.
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Referral networks cost 60% less than direct sales. Top ISOs generate 40% of revenue from partners. Hybrid models grow 2x faster.
ACH costs 70-90% less than card processing for B2B transactions. For merchants processing over $50K monthly, switching to ACH saves $8,400-17,400 per year.
Gift card programs generate 2-3x higher revenue per customer. Over 60% of buyers spend more than the card value. ISOs can earn 5-10% commission.
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