Built for every role in the acquiring chain

Sponsor banks, retail ISOs, wholesale organizations, enterprise payment companies, and ISVs operate with different priorities and very different pressures. NGnair gives them a common technology foundation without forcing them into a common operating model.

See the solutions

Where does your organization fit?

Each profile below faces a different version of the same pressure. Start with the one that describes your business and you'll land on the solutions that matter to it.

Sponsor Banks & Acquiring Institutions

Gain real visibility across BIN-sponsored and ISO programs, and offer distribution partners modern infrastructure — authority unchanged.

Usually starts withEnterprise & FSP

Retail ISOs

Win merchants faster, give agents visibility into their own portfolios, and sell more than a processing rate.

Usually starts withAcquisition & Underwriting

Wholesale ISOs & FSPs

Add sub-ISOs, agents, and programs without multiplying reconciliation, compliance work, and residual disputes.

Usually starts withEnterprise & FSP

Enterprise Payment Organizations

Consolidate proprietary systems and add multi-processor flexibility progressively — no all-at-once migration.

Usually starts withEnterprise & FSP

Integrated Payments & ISVs

Monetize your customers' payments through an ISO partnership — on merchant accounts that are underwritten and approved from day one.

Usually starts withCommerce & Embedded

A payments ecosystem where technology strengthens the organizations already serving merchants.

Not one that quietly displaces them. Sponsor banks retain regulatory authority while backing modern acquiring programs. ISOs own and grow the merchant relationship. Wholesale organizations and FSPs run increasingly sophisticated portfolio operations. Enterprise payment companies cut fragmentation. ISVs connect software-led experiences to payments.

Every participant sees the portfolio through its own role.

Permissions, reporting, and revenue participation follow the structure of the business — so a sub-ISO, an agent, an ISV, and a sponsor bank each see what belongs to them and nothing more.

The retail ISOowns and grows the merchant relationship
The FSPunderwrites and sponsors the ISOs beneath it
The sponsor bankholds program authority and moves the money
The processorauthorizes the payment
NGnairthe environment all of it runs in — replacing none of them

The acquiring structure

Every role keeps its position. Merchants work in an enterprise-grade environment with API access to their own payment data — capability the ISO delivers to win and retain premium merchants. The FSP underwrites and sponsors the ISOs beneath it, connecting to both the processor and the sponsor bank. NGnair is the infrastructure they all operate in. not a plugin, not a tool.

Tell us where you sit in the chain.

We'll show you the platform from that vantage point — the workflows, the reporting, and the boundaries of what NGnair does and does not touch.

Talk with our team

Connected across the acquiring, processing, and software ecosystem