Most ISO programs pay you once.
You earn on processing volume, full stop, at a split that never moves and a stack your merchants have outgrown. Frame pays a second line on modern software your retail merchants actually want and pays it every month.
Up to 80%
Processing split on net margin
charter partners start at the top
35%
Recurring rev-share on every frameOS module a merchant runs
$2,000
Sign-on bonus per boarded merchant, before residuals start
24-48h
Underwriting decision, with a dedicated partner manager
Typical ISO program
Frame RSPA Charter
Revenue lines
One, processing only
Two, processing + recurring software
Your split
Capped the day you sign
Up to 80%, locked for the life of the book
Software rev-share
None
35% recurring, every module
Sign-on bonus
Rare / clawed back
$2,000 per boarded merchant
Merchant payouts
Standard ACH, T+2 or slower
Same-day ACH, FedNow / RTP, push-to-card
Disputes & chargebacks
A separate vendor and support queue
Alerts + representment, built in
Partner support
Call center
Dedicated partner manager
THE STACK YOU’RE RESELLING
frameOS is one platform your retail merchants run their money and back office on. Every module is a line you earn on, so a merchant who adopts more products isn’t just stickier; they’re worth more to you every month.
ACCEPT
Card & ACH
• Card acceptance in-store and online
• 3D Secure with issuer liability shift
• Network tokenization + account updater
• ACH debit with returns and NOC handling
PAY OUT
Payouts, every rail
• Standard & same-day ACH
• FedNow / RTP real-time push
• Push-to-card via Visa Direct & Mastercard Send
• Wallet payouts, PayPal, Venmo
CHECK OUT
Checkout & billing
• Hosted checkout, every payment method, one balance
• Subscriptions + usage-based billing
• Account updater keeps cards on file live
• One reconciled balance across channels
ONBOARD
Merchant onboarding
• KYB business verification, built in
• Bank-account verification + instant linking
• One-Click reusable onboarding
• Approvals in 24–48 hours
PROTECT
Disputes & fraud
• Sonar device intelligence + fraud scoring
• Success-based chargeback representment
• Pre-chargeback alerts via Ethoca & Verifi
• Refund-on-flag + early resolution
BUILD ON
Infrastructure
• Double-entry ledger + hold-and-release
• PII vault + PCI-scope reduction
• OTP / SMS for auth and alerts
• One reconciled ledger across products
WHY MERCHANTS STAY
The reason a merchant leaves a reseller is rarely the rate; it’s slow funding, clunky tools, and chargebacks handled by a stranger. Frame gives your retail merchants the modern platform they’d otherwise switch to find, so your book gets stickier, not softer.
Same-day funding
In-store + online
One balance
Built-in disputes
Subscriptions
Dedicated support
WHAT YOUR MERCHANTS GET
Everything a retail, restaurant, or grocery merchant needs to run money, in one place, on one balance:
Card and ACH acceptance, in-store and online
Same-day, FedNow / RTP, and push-to-card payouts
Hosted checkout and subscription billing
Chargeback alerts and representment, built in
One reconciled ledger across every channel
BUILT FOR THE MERCHANTS YOU ALREADY SERVE
This is the platform for the everyday merchants at the center of the RSPA ecosystem. No new vertical to learn, no compliance headache to sell around; the accounts you board today are worth more to you every month.
Specialty Retail
Grocery & Convenience
Quick-Service Restaurants
Full-Service Restaurants
Salons & Services
Boutiques & Apparel
Hospitality
Omnichannel & E-commerce
Franchise Groups
START WITH YOUR OWN NUMBERS
The comparison above is the market. This is your actual portfolio, run on charter terms, in 48 hours.
01
Apply
Two minutes to submit. We review in 24–48 hours and assign a dedicated partner; no call center, no queue.
02
Free portfolio evaluation
Send your residual report or Schedule A. We re-price your book side-by-side on the charter split and show the delta in both revenue lines, 12 months out.
03
Board & earn
Move merchants over or board new ones. The $2,000 sign-on lands before residuals start; payouts begin on the first processed batch.
WHY CHARTER
Charter is a limited enrollment. RSPA members in the founding cohort lock the top-of-band split, the recurring rev-share, and the sign-on bonus for the life of their book, not a promo rate that steps down. Once the cohort closes, standard ramp economics apply. This is the best the program will ever be, and it’s built for RSPA.
CLAIM YOUR CHARTER SEAT
Two minutes now, a re-priced view of your book in 48 hours, and top-of-band terms locked for the life of your portfolio.
Up to 80% processing split + 35% software rev-share, from deal one
$2,000 sign-on bonus per boarded merchant
Modern full stack, checkout, fast payouts, disputes built in
Dedicated partner manager, 24–48h approvals
Free 48-hour portfolio evaluation on your real numbers
Gaming operators, telehealth platforms, regulated e-commerce, and crypto merchants in complex verticals don't lack demand. They lack a processor that will take them. Frame handles the underwriting, compliance infrastructure, and risk controls so you can bring them a yes.
Residuals, visible in real time
Clear contract-level terms, every penny earned tracked via a modern partner portal, no chasing statements, no surprises.
High-compliance categories
Streamlined underwriting for regulated verticals with modern KYC/KYB and risk controls already built in.
Tools to close and retain
Partner portal, live reporting, co-marketing assets, and training, everything you need to win the deal and keep it.