For ISOs, agents and processors
Tuzo turns every dollar a merchant processes into points they can spend on flights, hotels and watches. The points live with you. So does the merchant.
For business owners
Your customer gets miles. The bank gets interchange. The network gets a fee. Tuzo pays you points on every dollar you process, for doing nothing differently.
$250M+
in processing volume rewarded
4,000+
merchants earning today
1.2B
points issued
The moment that matters
Drag the discount. The merchant is not weighing your rate against theirs. They are weighing a rounding error against a holiday they can already see.
Drag the discount. A few basis points a year against a trip you are 80% of the way to.
Points balance
400,000
100,000 points to go · about 5 months at current volume
Monthly card volume: $80,000 · Earned under your ISO’s brand
A rival agent walks in and offers
0.05% lower rate
What the merchant says
“I can’t switch. I’d lose my trip.”
That is the endowment effect doing your retention for you. You haven’t bought loyalty. You’ve built an exit barrier the merchant defends on your behalf.
The points are yours. Leaving means giving them back. Most merchants don’t.
Two problems, one cause
To a shop owner, one terminal is another terminal. The card is swiped, the money lands, a fee disappears. When nothing distinguishes you, price is the only thing left to talk about. So that is all anyone talks about.
Months of prospecting, a commission paid, a restaurant signed. Three months later someone offers them 0.05% less and they unplug one box and plug in another. No guilt, no friction. Your portfolio is a bucket with holes, and you spend most of your marketing budget refilling it.
The question you’re already asking
Not your margin. Tuzo offers flat-fee and volume-based pricing, not a share of your residuals. The merchant pays nothing. And because a trip to Europe is worth far more to a merchant than a few basis points, most partners find they stop discounting to close.
Multiple pricing programs. Your residual stays your residual.
No spend, no card, no change to how they process.
When the merchant is comparing a holiday to a rounding error, you are no longer in a rate conversation.
Your sales floor
Your agents don’t need another dashboard. They need an opening line that makes a business owner put down what they’re doing.
Quick question. Your card volume would earn you about a week in Lisbon every year. Did anyone mention that?
Wait, how does this work?
MRYou process like you do now. The points show up. Want me to run your last statement and show you what you’d have earned?
What just happened
Rewards give the agent something to give rather than something to shave. The conversation moves from what the merchant pays to what they get, which is a conversation your competitors cannot enter.
Hi, I’m with a processing company. I can probably beat the rate you’re paying today. Can I take a look at your statement?
We’re fine with who we have.
MRWhat if I could save you 0.1%? Even a little adds up over a year.
Leave a card. I’ll think about it.
MRWhat just happened
Every rate pitch invites a comparison, and someone is always willing to go lower. The merchant has heard this opening four times this year. The only question it raises is how small the number is.
The cost of the leak
Put your own numbers in. The result is what walks out of your portfolio each year over a fraction of a percent.
Nothing changes except the ending
There is no card to apply for and nothing to buy. Points arrive because you processed sales, which you were going to do anyway.
Flights and hotels, for you, your family or as a bonus for staff.
Watches, jewelry, the things you’d never justify buying with revenue.
Hundreds of brands. Useful for the shop, the crew or the holidays.
Phones, laptops, TVs. For the shop, the crew or for home.
How it works
Cards get swiped, tapped and keyed, exactly as before.
Monthly volume is read from the processor feed and converted at the earn rate.
A balance grows in a branded portal. The merchant checks it more than you’d think.
Travel, luxury goods, electronics, gift cards.
Implementation
Tuzo sits beside your existing stack and reads the data you already have. Most partners are live within 48 hours.
Apply to join
We onboard a limited number of ISO partners each month so every program launches properly. Apply now and we’ll review within two business days. If the month is full, you hold your place on the waitlist.
Ask them. If they don’t, tell them who does.
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