Merchant Processor Referral Program
Merchant Qualification Checklist
Use your processing data to pre-screen merchants before referring. Items marked "From processing data" you can verify without asking the merchant.
Merchant Processor Partner Resources
Processing Volume Signals
Monthly processing volume is $15,000 or more From processing data
Transactions occur daily or near-daily (not just weekly batches) From processing data
6+ months of consistent processing history with your company From processing data
Volume is stable or growing (no sustained 30%+ decline in 90 days) From processing data
Risk Signals
Chargeback rate is under 2% From processing data
No holds, freezes, or rolling reserves on the account From processing data
Account is in good standing — no recent disputes about fees or account terms
Business Fundamentals
Business operates a commercial bank account (not just personal)
Business is legally registered (LLC, corp, or DBA)
Merchant owner appears to be a stable, long-term operator (not a pop-up or seasonal-only)
Opportunity Signals
Merchant mentioned needing equipment, inventory, or working capital
Volume growth suggests expansion opportunity (20%+ increase in 90 days) From processing data
Merchant asked about lower processing fees (cost-conscious = open to financial conversation)
Disqualifiers — Check If Present
Account on hold, frozen, or in collections with your processor DISQUALIFIER
Chargeback rate above 4% DISQUALIFIER
Monthly volume under $8,000 DISQUALIFIER
Active or pending bankruptcy DISQUALIFIER
3 or more existing MCA positions (known) DISQUALIFIER
Merchant Looks Qualified?
Register as a partner to get your referral link, then make the introduction.
T.A.G. Business Funding