Payment processing built for businesses with complex risk profiles.
Plush Pay is a boutique ISO. We place merchants who need more than a standard merchant account with the sponsor banks and processors that understand their industry, and we structure their processing so growth is never capped by a single account.
- Multi MID structures across a network of sponsor banks
- Underwriting packets tailored to each processor
- A named client success specialist from application to live
- ACH & eCheck
- NMI Gateway
- PCI DSS Compliant
Outgrown a single merchant account?
Most providers put you on one processor with one account. When you reach a volume cap, a reserve, or a chargeback threshold, growth stops. We build a placement around your actual risk profile and keep you processing.
- Placement with processors that already understand your industry
- Volume structured across multiple accounts so one cap never stops the business
- A dedicated client success specialist from application to live
- NMI gateway issued and configured for you
- Loss prevention monitoring rejects, refunds and disputes after you go live
A placement partner for the files that need one.
If you work inside a single processor or a low risk program, you are passing on good merchants every month. Refer them to Plush Pay, keep the relationship, and earn a share of the residual for as long as they process.
- Placement capability across specialty and emerging categories
- Revenue share on every referred merchant, paid monthly
- Your merchant stays your merchant. Non solicitation in writing
- Transparent residual reporting through the partner portal
- Direct access to the people who make underwriting decisions
One account is a ceiling. A network is a runway.
We are not a processor. We sit between merchants and the banks that move the money. Our value is placement capability and the relationships behind it.
Single account, single point of failure
A merchant on one account lives with a monthly cap, a chargeback ratio measured on that one account, and a processor that can end the relationship on 30 days notice. Growth becomes a risk instead of a goal.
Placement, tailored to each processor
Every processor wants something slightly different. Our client success team pre vets each file and builds the packet to that processor's appetite before it is submitted. Complete files get approved. Generic files sit.
Capacity that grows with you
Approved merchants run across multiple accounts and multiple processor relationships. Caps stop being caps, ratios are managed per account, and a business that was told no elsewhere is processing again.
Specialty processing for industries that standard providers do not understand.
These are the categories our underwriting team works every week. Each one has its own documentation, descriptor, and reserve considerations, and we know them.
Nutraceuticals & Supplements
Straight sale and continuity models. We know what the trial and rebill language needs to say.
Health & Wellness
Hemp derived wellness, personal care and functional products with COA and labeling review built into the packet.
Telehealth
Telemedicine platforms, weight management and wellness programs delivered online.
Subscription & Continuity
Recurring billing, memberships and box models where chargeback management is the whole game.
Digital Marketing & Lead Generation
Agencies, networks and publishers with variable monthly volume and multiple funding sources.
Ecommerce & Retail
High volume card not present sellers, marketplaces and direct to consumer brands.
Coaching & Information Products
Courses, masterminds and digital programs with high ticket and installment billing.
Travel & Hospitality
Agencies, tour operators and booking platforms with delayed delivery and higher ticket sizes.
We also support a range of specialty and emerging categories that are not listed here. If your business has been told it is hard to place, or you would rather have that conversation privately, get in touch and we will tell you plainly what we can do.
Ask about your industryNo mystery. Here is exactly what happens to your file.
Incomplete files are the single most common cause of delay in this industry. Our process is built to send complete, processor specific packets the first time.
Qualify
Industry, volume, processing history and chargeback profile assessed. We tell you plainly whether it is placeable and where.
Submit the file
Application plus supporting documents. Your client success specialist tells you exactly what is missing before anything goes out.
Underwriting prep
We tailor the packet to the specific processor's appetite. Every bank wants something slightly different, and we know what.
Approval & account
Processor approves and issues the merchant account. Multi account structures are staged so the first is live while the rest board.
Gateway & live
NMI gateway issued and configured by us. You begin processing and our loss prevention team starts watching the account.
The files you cannot place are worth money. Send them here.
Our fastest growing channel is agents and ISOs who already own a book. One relationship can produce dozens of merchants, and every one of them pays a residual back to the partner who referred it.
Residual on every referred merchant
A share of net revenue on the merchants you bring, paid monthly for as long as they process. Splits are set in a written agreement before anything moves.
Specialty and emerging categories
If a file is placeable anywhere, our network is where it gets placed. We take the categories most programs decline on sight.
Your merchant stays yours
We do not solicit referred merchants and we do not compete with our partners. Non solicitation is written into the agreement.
Transparent residuals
Residual statements and portfolio reporting through the partner portal, itemized by merchant, on a monthly cycle.
Referral or full ISR
Make an introduction and step back, or actively source, manage and submit files at a higher share. Two agreements, both in plain English.
Talk to decision makers
Underwriting authority and processor relationships sit inside this company. You get the people who can say yes, not a ticket queue.
Small on purpose. You will know everyone by name.
A boutique ISO means your file, your gateway and your residual are handled by specific people with specific jobs. Here they are.
Galina Polyakova
Founded Plush Pay and built the processor and sponsor bank network the company runs on. Holds underwriting authority across every relationship, which means the person who can say yes to a file is in the building.
Nikki Rice
The operational anchor of the company and the first escalation point for merchants and partners. Runs the pipeline, oversees every active merchant relationship, and holds our key agent partnerships.
Derek Jaeger
Leads growth, the partner program and day to day operations. Former founder and operator across consumer and marketing businesses.
Eli Squitiro
Leads new merchant and partner business. Previously an account executive at a national specialty merchant services provider.
Erika Pino
Application processing, underwriting prep, processor submissions and gateway setup. Your day to day contact from file to live.
Claudia Pino
Pre vetting, submissions, bank account changes and status tracking. Liaison between processors and merchants.
Cristina Carrione
Monitors every live account for rejects, refunds and disputes so reserves stay intact and merchants stay processing.
Based in New York, with operations in California and Florida. Every name above answers hello@plushpay.com and (888) 855 1439.
Get in touchStraight answers before you apply.
Anything not covered here, ask us directly. We would rather answer a hard question now than surprise you later.
Is Plush Pay a processor or a bank?+
What does a multi MID structure actually mean for my business?+
My previous processor closed my account. Can you help?+
How long does approval take?+
What do you need from me to apply?+
How do agents and ISOs get paid?+
Will you solicit my merchants?+
What gateway do you use?+
Tell us about the business. We will tell you if it is placeable.
A real person reads every submission. If we can place you, you will hear back within one business day with next steps and a named contact. If we cannot, we will tell you that too.