Payments & Merchant Services Sales Consultant | 1099 | Two Residual Streams Per Merchant + Health Benefit Options

READ THIS FIRST

• Is this W-2? No. You're a 1099 independent contractor, same as every agent program you've looked at.
• Is there a base salary or hourly pay? No.
• Is there an earnings cap? No.
• Are there benefits? Yes. We offer health benefit options to our 1099 consultants. Find another ISO that does. Details in the interview.
• How do I get paid? Residual commission starting at 40% on every merchant account, paid monthly for the life of the account, plus a payroll residual on every merchant you attach, plus spiffs and bonuses on new accounts and volume.
• When does it start paying? The month after your first account activates, and it stacks from there. Month twelve can replace a paycheck, and it keeps compounding.

No salary is not the same as no money. It means the ceiling is yours, not ours.

"ANOTHER ISO IS OFFERING ME A BIGGER SPLIT." WE KNOW. READ THIS.

Every agent program you've seen leads with a split. 60%, 70%, "up to 100%." You've also seen what happens after you sign: the buy rate moves, the portfolio gets sold, the split you were promised turns out to have conditions.

We'd rather show you the math on what a merchant is actually worth here.

At a typical ISO, a merchant is one residual. At Above the Rim, a merchant is two. Every business that takes cards also runs payroll, and we sell payroll at one flat monthly price with no contract and a Lifetime Price Lock. That's the easiest attach in the industry, and you get paid a residual on it too. One meeting, two monthly checks, from a client who now has two reasons not to leave.

Add high-risk verticals that actually get approved, health benefit options nobody else in this space offers, a split that goes up as your book grows, and no games with the portfolio you build. Run the numbers on 50 merchants with payroll attached versus 50 merchants at a bigger split with nothing attached. Then call us.

WHAT YOU'LL DO

• Sell payment processing (in-store, online, mobile, and POS) to small and mid-sized merchants
• Run statement analyses and close on true cost, not on a teaser rate
• Work high-risk and specialty verticals where the big processors say no: cannabis, CBD, peptides and telehealth, online gaming, money services, and more
• Attach payroll and HR to every merchant conversation, and get paid on that too
• Work the leads we send you and build your own pipeline alongside them

WHAT WE HAND YOU

• Leads. Inbound requests, outbound campaigns, and referral partnerships already in motion
• Tech stack. CRM, prospecting and enrichment, multichannel sequencing, and proven templates
• Training and certification. Card 101 (our 10-session merchant services program), a payments sales certification, and battlecards against Heartland, Toast, Global Payments, and the rest
• High-risk underwriting that actually approves. Competitive pricing on verticals other agents have to walk away from
• Health benefit options for 1099 consultants
• A cross-sell nobody else has. Flat-rate, no-contract payroll that turns a processing conversation into a whole-business conversation

WHAT YOU BRING

• 2+ years selling merchant services, payment processing, or POS through an ISO, processor, or acquirer
• You can read a merchant statement and explain the savings in under five minutes
• Experience or genuine interest in high-risk verticals is a strong plus
• A merchant network, a POS reseller relationship, or a vertical you already own
• The discipline to work as an independent contractor: your time, your pipeline, your taxes

HOW YOU GET PAID

• Residual commission starting at 40% on every merchant account, paid monthly for the life of the account
• Payroll residual on top for every merchant you attach to payroll
• Tiered advancement. Rookie to Sixth Man to Starter to Franchise. Your split grows with your book, up to 70%
• Spiffs and bonuses on new accounts, volume, verticals, equipment, and campaigns
• No cap. Two residual streams per account, stacked month over month, with no ceiling on how many accounts you carry
• The split you sign is the split you keep. No moving buy rates, no surprise portfolio sale

WHO THIS IS NOT FOR

If you need a salary, this isn't it. If you've only sold payroll and want to learn card on our leads, this isn't it either. If you're chasing the biggest headline split and don't care what the merchant is worth in month 24, we're not your ISO. This is for a payments closer who wants a residual they own and a second product that makes every meeting worth more.