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ISO Channel

Sign one partnership.
Activate your entire agent network.

White-labeled to your brand. Deployed across your 1099 agents, your W2 reps, or both. The platform respects how each user actually works, and the math works for every roster shape.

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14d
To first agent activated
100%
White-labeled to your brand
$35/agent
+ $2,500/mo platform fee · volume discounts from 100 agents
How it works

Three steps. One contract.

From signing to fully-activated agent roster in 14 days. Your team doesn't build, integrate, or maintain anything.

01

You sign one agreement

A single channel-partner agreement covers your entire agent roster, 1099, W2, or mixed.

02

We brand it as yours

Your logo, your name, your colors, custom subdomain. Your agents never see the navigatr name.

03

You deploy however you want

Free to all agents, free for top producers only, charged at any markup. Your call.

The Leverage

Sign one partnership. Activate your entire agent network. On a single contract.

Partner pipeline

Your referral partners aren't contacts. They're a pipeline.

Every ISO has banks, accountants, associations, and agencies sending referrals. Most ISOs have no system to manage them. navigatr makes them a first-class pipeline.

Live referral flowLive
PARTNERS REFERYOU MANAGEDEALS BOARDChase BankCharlotte branchHayes & Co. CPAaccounting partnerNC Restaurant Assn.associationYour pipelinenavigatr3 new this weekAcme HVACboarded · attributedCoastal Coffeein pipeline · stage 2Patton Autonew lead · today
Visibility
Two-way referral status
Your partners see exactly where every referral sits in your pipeline. No more 'did you ever follow up?' emails draining your team's time.
Portal
Branded partner portal
White-labeled to your ISO. Partners log in, send leads, track outcomes. Your team stops chasing them.
Analytics
Partner performance analytics
Which bank sends the best leads? Which accountant produces the most boardings? See it in the dashboard, not in a spreadsheet you forgot to update.
Attribution
Partner-sourced deal flow
Referrals from partners flow into the same pipeline as field-sourced deals, with clear attribution back to the originating relationship.
Coming with Miles
Your rep says 'this came from Chase Bank in Charlotte' — Miles links the deal, updates the referral pipeline, and notifies the partner. No taps, no forms.
The economics

See your numbers.

Both paths are part of the ISO Channel. Pick the one that matches your roster shape, or use both, since most ISOs we partner with eventually evolve from one into the other. Adjust the inputs to see the math against your situation.

For illustration purposes only.

Path 1 · Pure 1099

You distribute to a 1099 agent network.

For ISOs running independent agent rosters in merchant services.

Agents on roster
Total agents in your network — pricing tier is set automatically
500
Residual / merchant
Avg monthly residual per boarded merchant
$40

3-year economics

Annual cost to navigatr

Platform fee (annual)$30,000
Per-agent fees (annual)$75,000
Total annual cost$105,000

3-year cost to navigatr

Platform fee (3yr)$90,000
Per-agent fees (3yr)$225,000
Total 3-year cost$315,000
Pricing tierTier 3 · 300–999 agents
Active agents (Y2 avg)250
3-yr partnership cost$306,875
3-yr residual lift (Stream 2)$865,800
3-yr ISO value (residual stream)$865,800
Strong ROI. Residual lift exceeds platform cost by 2.8× over 3 years.

Conservative model: 40% Y1 activation (50/55% Y2/Y3+), weighted +3.7 merchants/active agent/year mature lift, 50/80/100% productivity ramp, 50% ISO share of residual.

Path 2 · Hybrid (1099 + W2)

You distribute to a mixed roster of agents AND employees.

For ISOs running both independent agents and employed sales reps under one roof.

Your team

W2 reps
Employed sales reps on payroll
20
1099 agents on roster
Independent agents in your network
200
Activation rate
Share of agents who'll log in regularly
50%
Retail to agents
What you charge agents per month
$59

Year-1 combined economics

ISO Channel cost (1099 side)

Platform fee (annual)$30,000
Per-agent fees (100 × $30/mo × 12)$36,000

Direct Sales cost (W2 side)

Per-seat fees (20 × $89/mo × 12)$21,360
Volume tier
10–49 seats: $89/seat/mo
50–149 seats: $79/seat/mo
150–249 seats: $69/seat/mo
250+ seats: contact sales for Enterprise terms
Total annual cost to navigatr$87,360
W2 deployment cost($21,360)
Wholesale cost to you (1099 side)($36,000)
Retail revenue from agents$70,800
1099 net margin+$34,800
Net combined position (Y1)+$13,440
Your W2 team gets the platform at net profit, the 1099 side generates more margin than the W2 deployment costs.

Wholesale rate from your active agent count tier; W2 seat price $59/mo (Direct Sales pricing). Year-1 view shown; Years 2–3 economics improve further as productivity ramps.

Let's see if your numbers work.

A 30-minute conversation. Your agent count, your approximate volume, your mix, pure 1099 or hybrid. We'll send back a personalized economics model showing exactly what a partnership looks like for your network.

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