Boutique payment processing · New York

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
Multi MID structureHow volume moves
MERCHANT $1.2M / mo PLUSH PAY MID 01$300K MID 02$250K MID 03$250K MID 04$200K MID 05$200K ROUTED BY INDUSTRY, RISK PROFILE AND CAPACITY
Single account$250K monthly cap
With Plush Pay$1.2M and growing
Accepted across our network
  • ACH & eCheck
  • NMI Gateway
  • PCI DSS Compliant
10+ yearsplacing specialty merchants
$1B+processed through our network
Multi MIDacross a network of sponsor banks and processors
1 business dayto hear back from a real person
For merchants

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
Start a merchant application
For agents & ISOs

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
Talk to us about a partnership
Why Plush Pay

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.

THE PROBLEM

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.

OUR APPROACH

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.

THE RESULT

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.

Industries we serve

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 industry
How a merchant gets boarded

No 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.

1

Qualify

Industry, volume, processing history and chargeback profile assessed. We tell you plainly whether it is placeable and where.

SAME DAY
2

Submit the file

Application plus supporting documents. Your client success specialist tells you exactly what is missing before anything goes out.

1 TO 3 DAYS
3

Underwriting prep

We tailor the packet to the specific processor's appetite. Every bank wants something slightly different, and we know what.

1 TO 2 DAYS
4

Approval & account

Processor approves and issues the merchant account. Multi account structures are staged so the first is live while the rest board.

PROCESSOR DEPENDENT
5

Gateway & live

NMI gateway issued and configured by us. You begin processing and our loss prevention team starts watching the account.

24 TO 48 HRS
Agent & ISO program

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.

Economics

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.

Placement

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.

Protection

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.

Reporting

Transparent residuals

Residual statements and portfolio reporting through the partner portal, itemized by merchant, on a monthly cycle.

Two ways in

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.

Access

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.

Leadership & team

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.

GP

Galina Polyakova

Founder & Chief Executive Officer

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.

NR

Nikki Rice

Director of Operations & Business Development

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.

DJ

Derek Jaeger

Head of Growth

Leads growth, the partner program and day to day operations. Former founder and operator across consumer and marketing businesses.

ES

Eli Squitiro

Sales Manager

Leads new merchant and partner business. Previously an account executive at a national specialty merchant services provider.

EP

Erika Pino

Client Success

Application processing, underwriting prep, processor submissions and gateway setup. Your day to day contact from file to live.

CP

Claudia Pino

Client Success

Pre vetting, submissions, bank account changes and status tracking. Liaison between processors and merchants.

CC

Cristina Carrione

Loss Prevention

Monitors every live account for rejects, refunds and disputes so reserves stay intact and merchants stay processing.

Reach us

Based in New York, with operations in California and Florida. Every name above answers hello@plushpay.com and (888) 855 1439.

Get in touch
Questions

Straight 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?+
Neither. Plush Pay is an Independent Sales Organization. We sit between merchants and the processors and sponsor banks that move the money. Our job is placement: getting your file approved with the right processor and keeping you processing after that.
What does a multi MID structure actually mean for my business?+
Instead of one merchant account with one monthly cap and one chargeback ratio, your volume runs across several accounts at several processors. A cap on one account does not stop the business, ratios are managed per account, and losing one relationship does not mean losing the ability to process.
My previous processor closed my account. Can you help?+
This is one of the most common ways merchants find us. Bring the closure notice and your processing history. A prior closure is not disqualifying, but the reason for it shapes which processor we submit to and how we build the packet.
How long does approval take?+
Qualification is same day. A complete file is typically submitted within one to three days, and processor approval depends on the processor and the industry. Gateway setup after approval takes 24 to 48 hours. The biggest variable is whether the file is complete, which is why we tell you exactly what is missing before anything goes out.
What do you need from me to apply?+
A completed application, three to six months of processing statements if you have them, bank statements, government ID, articles of incorporation, and a working website with clear product, pricing, refund and terms pages. Your client success specialist will give you the exact list for your industry.
How do agents and ISOs get paid?+
A share of net revenue on the merchants you refer, paid monthly, one month in arrears. The specific split depends on whether you are a referral partner or an active ISR, and it is set in writing before the first file moves. Residual statements are available through the partner portal.
Will you solicit my merchants?+
No. Non solicitation is written into every partner agreement. Your merchant stays your merchant.
What gateway do you use?+
NMI. We issue and configure the gateway ourselves as part of boarding, and it integrates with most shopping carts and CRMs.
Get started

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.

Encrypted and never shared. No obligation.