Merchant & Ecosystem Card Programs
Monetize Your Merchant Network
Transform your acquiring business into a full-service payment ecosystem
OTLRS provides the institutional infrastructure for merchant acquirers and platform businesses to issue their own branded commercial card programs. Move beyond processing payments and empower your merchants with the financial tools they need to manage expenses, unlock new financing opportunities, and grow their business — all while creating a powerful new revenue stream for your platform.
The Challenge
Value Beyond Transaction Processing
In the competitive world of payment acquiring, margins are constantly under pressure. To retain merchants and grow revenue, acquirers must offer value beyond basic transaction processing. Merchants, particularly small and medium-sized enterprises (SMEs), are often underserved by traditional banks and need access to modern financial tools, including corporate cards for managing online advertising spend, inventory purchases, and other operational expenses.
Building these capabilities from scratch is a significant undertaking, requiring deep investment in technology, licensing, and compliance. The result is that most acquirers remain confined to a single, commoditized service, missing the opportunity to deepen their merchant relationships and capture additional revenue.
Your Ecosystem, Your Cards
OTLRS delivers a venture-building model that enables acquirers to quickly launch and scale a white-label commercial card program for their merchant base. We provide the complete, at-cost infrastructure for card issuing, processing, and compliance, allowing you to focus on your go-to-market strategy.
By issuing USD-denominated or multi-currency commercial cards, you can help your merchants solve critical operational challenges — such as paying international suppliers or managing digital ad spend — thereby deepening your relationship and increasing their loyalty. This creates a virtuous cycle, turning your merchant network into a profitable, captive financial ecosystem.
Key Features
Issue USD or multi-currency Visa/Mastercard commercial cards under your own brand, directly to your merchant base.
Create a significant new revenue stream by earning interchange on every dollar your merchants spend using the cards you issue.
Our partnership model provides the full stack of card issuing technology and licensing access at cost, maximizing the profitability of your program.
Offer your merchants powerful tools to manage their spending, including real-time tracking, MCC-level controls, and virtual card generation for vendor payments.
Enable your merchants to transact globally with competitive FX rates, perfect for managing international suppliers and online services.
Leverage our pre-built institutional rails to launch your card program in weeks, with a simple API integration into your existing merchant portal.
How It Works
step 01
Program Design
We collaborate with you to design a commercial card program tailored to the specific needs of your merchant segments.
step 02
Merchant Onboarding
Seamlessly onboard your existing merchants through a streamlined KYB process integrated into your platform.
step 03
Issue & Empower
Instantly issue virtual and physical cards, giving your merchants the spending power and control they need.
step 04
Monetize & Grow
Earn interchange revenue from day one and scale your program by offering additional financial services like expense management and financing.
Why?
Ready to Build Your Ecosystem?
