Do I need experience in payments?
No. Experienced agents can hit the ground running, and if you're new, we'll teach you the products and how to spot a good fit. What matters most is that you know business owners who take cards.
Who the program is for
Whether you already have a book of merchants or you just know a lot of business owners, there's a way to work with us.
Independent sales agents. You sell merchant services today and want a processor that answers the phone, prices fairly and can place harder accounts.
Referral partners. Bookkeepers, CPAs, business consultants, web developers, POS resellers and IT installers who already get asked, "Who should I use for card processing?"
Sub-ISOs and agent offices. Teams that want a partner for their pipeline, including high-risk files other processors turn down.
New to payments. If you have strong local relationships and want to learn, we'll walk you through the products and the process.
What you get as a Pine partner
A simple program built around long-term income, products merchants understand and a real person when you need one.
Monthly residuals for the life of each account
This is the core of the program. For every merchant you refer who is approved and processing, you earn a monthly residual, every month, for the life of that merchant account. It doesn't stop after the first year. Splits are competitive, and we go over them with you on a call, so you know exactly how you're paid before you sign anything.
Upfront bonuses that may be available
Depending on the account and the program, upfront or placement bonuses may be available. We'll tell you what applies when we review your pipeline together.
Products that are easy to explain
- Dual pricing and cash discount programs. Merchants post a cash price and a card price, and pay 0% processing on card payments. It's compliant when it's set up right: both prices posted, clear signs, clean receipts. We handle the setup, including free English and Spanish cash discount signs.
- Traditional processing for merchants who'd rather not change their prices.
- Card and ACH processing, in person, online and keyed-in.
- A white-label payment gateway. Partners and merchants get a branded gateway for online and keyed-in payments.
- Works with the systems merchants already use. We work with all the major POS and payment solutions, including but not limited to Clover, Valor, Dejavoo, Verifone, Biller Genie and QuickBooks, with dual pricing built into supported terminals.
- A free statement review you can offer any merchant as a no-pressure first step.
Placement for hard-to-place businesses
Many legitimate businesses get labeled "high-risk" for reasons that have little to do with how well they run. We offer specialized approvals for hard-to-place industries, with dedicated merchant accounts underwritten before the first sale, not reviewed after. Availability depends on underwriting for the merchant's specific products, marketing and compliance. (High-risk accounts are priced for their category and don't use the 0% dual pricing program.)
A real person, in English and Spanish
No ticket queue. You and your merchants get a direct line to a real person at Pine, in English or Spanish, nationwide by phone and email, and in person in Miami-Dade, Broward and South Florida.
Residual reporting you can read
Clear monthly residual reports that show each merchant and what you earned from it, so you never have to guess.
Marketing support
We help you explain the products and answer merchant questions, in English or Spanish, so you can spend your time on relationships, not paperwork.
Industries you can bring us
Main Street
- Retail and convenience stores
- Restaurants, bars and cafes
- Salons, barbershops and spas
- Auto repair and tire shops
- Medical and dental practices
- Professional and home services
- E-commerce stores
High-risk and hard-to-place
- Supplements and nutraceuticals
- CBD and hemp products
- Research-use-only (RUO) products and research compounds
- Subscription and membership businesses
- Other categories on request
Availability depends on underwriting for each merchant's specific products, marketing and compliance.
How it works
- 1.Apply. Fill out the short form below. It takes about two minutes.
- 2.Intro call. We'll learn about your network, walk you through the products, and go over splits and the agent agreement.
- 3.Submit merchants. Send us merchants by email, a shared intro or your own submission. We review statements, price the account and handle underwriting with the merchant.
- 4.Get paid monthly. Once your merchants are approved and processing, you earn residuals every month, with a report you can read.
Agent & partner FAQ
How am I paid?
You earn a monthly residual on each merchant account you refer, for as long as that account stays active and in good standing. Splits are competitive and depend on the program and your volume. We go over them on the intro call and put them in a signed agent agreement. Upfront bonuses may be available on some accounts.
What industries can I refer?
Most Main Street businesses, including retail, restaurants, salons and spas, auto repair, medical and dental practices and e-commerce, plus many high-risk and hard-to-place categories such as supplements and nutraceuticals, CBD, research-use-only products and subscription businesses. Every account is subject to underwriting.
Who handles underwriting?
We do. We help the merchant gather the right documents, prepare the application and work through underwriting questions. You don't have to become a compliance expert. Approval is never guaranteed, but we'll always tell you honestly whether a merchant looks like a fit.
Can I refer other agents or build a team?
Yes. Our partner agreements allow sub-agents, so you can bring other agents on under you and build a team. If you lead a team or run a sub-ISO or agent office, tell us on the form and we'll go over how it works on the intro call.
Is there a cost to join?
No. Joining the program is free.
Do I have to sell the merchant myself?
No. Some partners just make an introduction and let us take it from there. Others run the whole sale. Both work.
I'm a CPA or bookkeeper. Can I accept a referral fee?
Some professions have their own rules on referral compensation and disclosure. Please check yours before you accept a fee. Some partners prefer to refer without one, and that's fine too.
More questions? See our FAQ.
Apply to the Pine partner program
Tell us a little about you and your network. A real person at Pine will reply, usually within one business day.
Prefer to talk first? Call or text 786-383-1656 or email sales@pinepymt.com.
Residuals are paid while each referred merchant account stays active and in good standing, under the terms of a signed agent agreement. Splits, bonuses and eligibility are set out in that agreement. All merchant accounts are subject to underwriting and approval, and rates and terms vary by business type and processing history. Pine Payments is a registered ISO.