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Payments, built for the people who sell it

Own the bookyou build.

Real processing on enterprise rails, an AI toolkit that closes merchants in minutes, and residuals written to stay yours.

Bring your bookAnalyze a statement, free

Relyon is a registered ISO/MSP of Metropolitan Commercial Bank, New York, NY (Member FDIC). Sample figures on this page are illustrative and labeled as such.

Your closing toola merchant's statement, re-priced while you sit there
Sample statement · illustrative
$52,000/mo · 1,240 txns
Sample
Discount fees$1,042.35
Non-qualified surcharge$298.20
Per-item and auth fees$186.00
Monthly and statement fees$99.50
PCI compliance fee$54.95
Batch and misc fees$40.00
As billed
$1,721/mo
effective rate · as billed
0.00%
Re-priced · IC Optimization
Sample
2.30%
$1,196/mo
−$6,300/yr

Recommended for this business. Yours may re-price best on a different model.

Sponsor bank on record

Metropolitan Commercial Bank, N.A., Member FDIC, disclosed on every page.

Residuals in writing

Vesting, portability, and successor protection are contract terms, not promises.

The math is public

All six pricing models compared on the same statement, methodology shown.

The toolkit

Everything an agent closes with.

Statement analyzer

Six models, one honest comparison, in front of the merchant.

Sample statement · illustrative
$52,000/mo · 1,240 txns
Currently paying
$1,721/mo@ 3.31%
IC Optimization. Level 2/3 data and routing tuned to qualify transactions at lower interchange.
Estimated savings / yr
$6,300
Residuals

Yours, vesting, portable

Written into the agreement, protected through our own sale.

Onboarding

A 4-minute application

250+ fields auto-filled from about 25 answers. E-sign built in.

Hardware

Clover, provisioned and priced in the open

Stations, Flex, and Go on the same transparent agreement.

Support

A team that answers

Specialists on the phone, not a ticket queue. Your merchants stay yours.

01

Read every line

The analyzer ingests the merchant's real statement and classifies each fee.

02

Flag the padding

Non-qualified surcharges and junk fees get called out, math shown.

03

Re-price it live

Six models on the same numbers. The rate drops in front of them.

04

Close

E-sign on the spot. Four minutes, start to finish.

Reading the statement...
Discount fees$1,042.35
Non-qualified surcharge$298.20
Per-item and auth fees$186.00
PCI compliance fee$54.95
Effective rate3.31%
4 min

from statement to signed application

Measured in the onboarding demo
6

pricing models compared on the same statement

Methodology on /pricing
100%

of residuals vest to the agent who wrote the deal

Contract term, not policy

Doctrine

The close still happens at the counter.

Relyon exists for the person sitting across from the merchant. The AI reads the statement, fills the paperwork, and watches the book; the agent does the one thing software cannot: earns the trust. Everything we build serves that order.

Not an agent?

There's a door for you too.

Sales Reps & ISOs

Close faster. Own a book that's actually yours.

An AI closing toolkit on top of portable, vesting, successor-protected residuals, velocity and durability, not just a split.

93% partner approvalsExplore
Merchants

See exactly what you pay. Then pay less, your way.

We turn your opaque statement into a line-by-line, AI-audited breakdown, then rebuild it across all six pricing models.

Free statement analysisExplore
Software & ISVs

Embed payments your users actually want to use.

PayFac-like economics and AI-native onboarding, minus the PayFac liability. Relyon and its processing partners carry the regulated heavy lifting.

Embeddable onboarding APIExplore

The close

Bring your book. Keep it forever.

Vesting, portable, successor-protected residuals, written into the agreement.

Apply to partner

Relyon is a registered ISO/MSP of Metropolitan Commercial Bank, New York, NY (Member FDIC).