First Financial  
Agent/ISO Program

Agent/ISO Program

Agent/ISO Compensation for Every Merchant Account

With consumers preferring credit and debit payments over cash by seven to one, adding merchant account services to your business just makes good sense.[i] The automation involved in this consistent revenue stream means your residual splits come in with little hassle. Apply today with First Financial, an A+ rated company that has been serving financial businesses with integrity since 1996.

Apply Now

The Perks of Partnering with First Financial as a Merchant Services Agent/ISO

Anymore, forward-thinking owners are finding unique ways to run businesses. Whether your clients need a merchant account to operate under a peer-to-peer, Uber-like business model or one that traditional banks consider “high-risk” First Financial has the services to meet their unique needs.

In fact, as a First agent, you can offer the top American providers, including First Data, TSYS, Global and 25 more banks and PSPs worldwide. When you show your clients a variety of rates and terms, they know you’re looking hard for the best fit for them. You earn your commission by helping them make the most profit-enhancing and secure decisions.

Secure & Sophisticated Features for Every Agent/ISO Merchant Account

In addition to the industry’s most generous compensation packages, First Financial makes sure its agents receive:

  • Fast application & approvals finalized often in two hours or less.
  • Software technology that ensures 98.5% of new accounts win approval.
  • No merchant deposit hold.
  • One-to-one guidance with a merchant account specialist to help grow your business.
  • Cutting-edge products that stay current with business trends.
  • Retention programs that low your yearly client attrition rate.
  • Free POS and other equipment for demonstrations with customers.
  • Comprehensive technical and sales training for you and staff.
  • Guidance in risk-mitigation techniques.
  • Fraud examiners that help catch risks early.
  • SSL certificates to ensure every ecommerce transaction is secure
  • Use at all major credit and debit networks.
  • 24/7 friendly customer service for your merchant clients.
  • PCI compliance for your merchant clients.
  • e-commerce, retail and MOTO accounts.

Those in financial industries already understand that banks think some businesses involve more risk than others.

Pet supplies and household goods for example enjoy lower charge-backs or returns because consumers choose the products they are already familiar with. They use them up quickly and rarely return them. Travel agencies, on the other hand, stand to lose quite a bit when overseas turmoil or disease outbreaks force trip cancellation.

For low-risk industries, First Financial rewards sales agents with incentives. In addition, agents receive a residual split. Rest assured that if a client who has signed with you changes his or her mind, First Financial will pay the cancellation fees to the processor.

Truthfully, we find many banks’ reluctance to provide merchant accounts for high-risk industries short-sighted. Online stands to earn $4 billion annually by 2020 just in the United States.[ii]  At $13 billion today, the market will top $28 million in revenue annually by 2021.[iii]  Some businesses brought in $97 billion in revenue in 2016, more than the NFL, NBA and MLB, combined! [iv]  All of these are high-risk industries.

First Financial has forged relationships with the banks and PSPs that understand the opportunities involved in high-risk businesses. With goods and services in high demand, they are lucrative for those that serve them, including merchant services agents. To keep high risk merchants on the client list for years, First Financial ensures fast turnaround times and dedicated customer service. Best of all, our agents earn residual split on each account.


First Financial Partners with Agents and ISOs on Merchant Services Accounts

Don’t you wish you had an experienced business partner for all your new ventures?

First Financial is happy to show you every step of finding and managing businesses that need merchant accounts. As your merchant services partner, we do all we can to ensure you succeed as a business office. Offering cash advances, debit and credit card processing and more helps you become a one-stop-shop for your clients.





First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center:  Main: 1-800-315-7791  Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: Main 1-800-950-0212  Fax: 1-800-215-0217


Offer Disclosure: If we are not able to present you with an offer, you may be presented with an offer form another company.

Advertiser Disclosure: This website is an independent, advertising-supported comparison service.

The card offers that appear on this site are from companies from which this website receives compensation.

This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).

This website does not include all card companies or all card offers available in the marketplace.

This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

First Financial® is a Federally Registered Trademark

©1994-2019 First Financial®, All Rights Reserved. All other products and company names are trademarks of their respective companies.