A Division of Flat Rate Processing (FRP) · Est. 2004 · Atlanta, GA · Agent Support: 470-672-7198
A Division of Flat Rate Processing

Build Your
Residual
Income Empire.

FlatRate ISO gives independent agents and ISOs the most competitive splits in the industry — backed by FRP's proven technology, vertical-specific tools, and two decades of merchant relationships.

Apply to Partner → View Split Schedule
85%
Max Agent Split
$0
Upfront Cost
3
Niche Verticals
20+
Years in Industry
Lifetime
Residual Ownership
Your book of business stays yours. No clawbacks, no account reassignments.
Residual Compensation

Industry-High Split Schedule

Three tiers designed to grow with you — from your first merchant to managing a portfolio of hundreds.

Agent
%70
Residual Split
  • Monthly residual payments
  • FRP training & certification
  • Sales collateral & scripts
  • Dedicated onboarding support
  • Access to merchant leads
  • Government portal access
ISO Partner
%80
Residual Split
  • Everything in Agent tier
  • Sub-agent recruiting rights
  • White-label proposal tools
  • Vertical-specific toolkits
  • Priority underwriting queue
  • Co-branded marketing assets
  • Quarterly business reviews
Master ISO
%85
Residual Split
  • Everything in ISO Partner tier
  • Override on sub-agent residuals
  • Custom pricing authority
  • Direct processor relationships
  • Dedicated account executive
  • Portfolio acquisition support
  • Annual revenue bonuses
Lifetime Residual Ownership Guaranteed. Your accounts belong to you — not FlatRate ISO. If you ever leave the program, your residuals stay with your book of business. No non-competes, no clawbacks.
Niche Market Expertise

Built for the Verticals That Matter

We've built specialized tools, pricing programs, and sales playbooks for three underserved markets that are hungry for better processing solutions.

Government
Municipalities · Utilities · Courts · Parks & Rec

FRP's sister company, Government Portal, already serves hundreds of municipalities. You get a warm door-opener and proven technology that speaks the language of government procurement.

Government Portal Integration Compliance-Ready Docs RFP Proposal Templates Surcharge / Convenience Fee ACH + Card Acceptance
Avg. Monthly Volume $180K+
Typical Contract Length 3–5 Years
Residual Stability ⭐ Very High
Auto Repair
Shops · Dealerships · Fleet · Mobile Mechanics

High average tickets, loyal customer bases, and minimal tech integration make auto repair shops one of the most profitable and easiest-to-close verticals in merchant services.

Shop Management Integrations Text-to-Pay Links Parts Financing Options Fleet Card Processing Estimate-to-Payment Flow
Avg. Ticket Size $420–$850
Avg. Monthly Volume $65K–$120K
Close Rate (Trained Agents) 1 in 4 visits
Restaurants
QSR · Full Service · Food Trucks · Bars & Cafes

The restaurant vertical is massive — and most owners are overpaying by 1%+ with legacy processors. Our statement analysis closes itself. High volume means high residuals for life.

POS System Integrations Tip Adjustment Flows Dual Pricing / Cash Discount Online Ordering Payments Free Statement Analysis
Avg. Monthly Volume $55K–$200K
Typical Savings Found 0.8%–1.4%
Decision Maker Access ⭐ Very Easy
Why FlatRate ISO

Built Different.
Pays Different.

Most ISOs give you a rate sheet and walk away. We give you a playbook, tools, and a team that wins alongside you.

  • Free Statement Analysis Tool
    Show any merchant exactly where they're being overcharged — in minutes. Our analysis tool is the most powerful door-opener in the field.
  • Government Portal Warm Introductions
    FRP's Government Portal division gives you credibility and referrals in the municipal space that independent agents simply can't replicate.
  • Vertical-Specific Sales Playbooks
    Purpose-built scripts, objection handlers, and proposal templates for Government, Auto Repair, and Restaurant accounts.
  • Fast, Transparent Residual Payouts
    Residuals paid monthly, with transparent reporting. You'll always know exactly how much you've earned and from which accounts.
// Why Agents Choose FlatRate ISO
Competitive Splits
Up to 85%
Upfront Cost
$0
Residual Ownership
Lifetime
Niche Verticals
3
Your Book. Your Residuals. Your Business.
Agent Toolkit

Everything You Need to Close

From the first pitch to processing the first dollar — we've built the tools so you can focus on selling.

Statement Analyzer
Upload any merchant statement and instantly identify savings. The #1 door-opener in the field.
Proposal Generator
Auto-populate branded merchant proposals in under 2 minutes. Available in all 3 verticals.
Agent Mobile App
Track residuals, submit new merchants, and access your portfolio from anywhere.
Certification Training
Self-paced online curriculum covering pricing, verticals, and objection handling.
Gov Portal Access
Tap into FRP's established Government Portal relationships for warm municipal introductions.
Residual Dashboard
Real-time reporting on every account — volume, effective rate, and your monthly payout.
Co-Brand Marketing
Customizable flyers, digital ads, and door hangers for all three target verticals.
Dedicated Support
Real humans in Atlanta, GA. Not a ticket queue — a direct line to your account team.
FlatRate ISO agents also get access to FRP's integration network — 90% of eligible business software on the market, including POS systems, shop management tools, and government payment platforms. Your merchants don't have to change how they work.
Get Access Now →
Getting Started

From Application to First Residual Check

Getting started is simple. Here's how it works.

01
Apply Online
Submit your application. No fees, no experience required. We'll reach out within 24 hours.
02
Get Certified
Complete FRP's certification program — learn pricing, verticals, and how to run a statement analysis.
03
Get Your Kit
Receive login access to all tools, co-branded materials, and your vertical-specific sales playbook.
04
Close Accounts
Hit the field. Submit new merchants through the portal and our team handles underwriting fast.
05
Get Paid
Residuals deposited monthly. Watch your portfolio grow. Scale up to ISO or Master ISO at any time.
Join FlatRate ISO

Start Building
Residual Income
Today.

No experience required. No upfront cost. Just apply, get certified, and start closing. The only question is: how big do you want to build?

✓
Splits up to 85% — among the highest in the industry
✓
Specialized vertical toolkits for Gov, Auto & Restaurant
✓
Lifetime residual ownership — your book, your money
✓
Backed by FRP — 20+ years, hundreds of active merchants
Apply to Partner
Fill out the form and an FRP agent specialist will contact you within one business day.
By submitting, you agree to be contacted by a FlatRate ISO partner specialist. No spam, ever.