Enterprise · $5M+/mo
At portfolio scale, the tooling conversation ends and the relationship conversation begins. You need underwriting that understands LLC cascades, a CSM who doesn't read from a script, a compliance copilot sitting inside your PCI boundary, and acquirer relationships you can't reach via the sales form. Enterprise is how we deliver that — with custom pricing, a dedicated team, and SLAs you help write.
We underwrite non-standard structures in days, not quarters. If your holdco has 12 LLCs, three trust entities, and a Delaware C-corp on top, we've already seen the variant. No retrofitting you into a single-entity form.
You get a named Customer Success Manager and a named Solutions Engineer. Both are in your Slack within 72 hours of signing. Neither reads from a canned response library. Quarterly Business Reviews cover rate performance, dispute trends, acquirer relationship health, and the next 90 days of roadmap.
We manage PCI SAQ-A on your behalf, orchestrate sub-processor governance across 40+ brands, and handle Apple Pay domain verification at scale so your team stops chasing DNS records across a dozen Cloudflare accounts. Not "guidance." Ownership.
At $5M+/mo, we broker direct relationships with acquirers you can't reach via the sales form. Fiserv, Worldpay, Elavon, TSYS — plus high-risk specialists for portfolios with one or two ratio-sensitive brands. Your SLA is written on your letterhead, not ours.
Rate tiers
Published tiers are ceilings. Enterprise is negotiated against portfolio volume, auth-rate data, and risk profile — always lower than the published floor.
| Starter | Portfolio | Network | Enterprise |
|---|---|---|---|
Starter 7.5% Up to 3 brands · <$250k/mo
| Portfolio 6.5% 4–12 brands · $250k–$1M/mo
| Network 5.5% 13–40 brands · $1M–$5M/mo
| Enterprise Custom 40+ brands · $5M+/mo · unique structures
|
Case study · coming soon
The full teardown lands with our case-studies library. In the meantime, the multi-brand operator playbook walks through the same math, end-to-end.
What's required
You don't need all three — one qualifies you for an enterprise conversation.
Portfolio volume at or above $5M/mo across all brands unlocks the volume-negotiated rate floor and the private acquirer relationships tier.
Operational scale — even at lower volume — triggers the dedicated CSM and solutions engineer allocation. Reconciliation at 40+ brands is a full-time problem we solve full-time.
Non-standard entity graphs, cross-border flows, PE-backed rollups mid-carve-out, or high-risk verticals that need bespoke underwriting paths. Complexity qualifies.
Enterprise FAQ
The full answers happen on the call. These are the starting positions.
Interchange-plus, always. The "plus" is negotiated against portfolio volume, twelve months of auth-rate data, and dispute history. Enterprise customers typically land between 10–45 bps over interchange depending on vertical risk and volume commitment — significantly below the 5.5% Network tier floor. We put the full line-item breakdown on your MSA. No blended rates. No hidden assessment markups.
Default enterprise term is 24 months with a 60-day no-cause termination clause after month 6. Some operators negotiate 36-month terms for deeper rate concessions (typically another 5–12 bps). We do not lock you in past month 6 if the relationship isn't working.
Not by default, but it's negotiable. For operators in narrow verticals (specific peptide categories, niche DTC segments, regulated adjacent products), we can contractually exclude direct competitors on a per-vertical basis. Standard enterprise contracts do not include exclusivity because it limits our own acquirer relationships.
After the initial 6-month period, either party can terminate with 60 days' written notice and no penalty. We provide a full data export (every transaction, descriptor map, dispute history, payout log) in CSV and Parquet within 10 business days of termination notice. No deletion until you confirm receipt.
Your data is yours. At any point — not just termination — you can pull a full export via the API or request it through your CSM. The export includes transaction-level detail with all three reconciliation IDs (order, charge, descriptor) preserved, plus attribution metadata (SKU, coupon, affiliate). You own the schema. We don't gate migration.
Standard enterprise SLA: 99.95% API uptime, 4-hour P1 response, 15-minute acknowledgement on freeze escalation, 24-hour settlement adjustment on reconciliation disputes. These are the floors — most enterprise customers negotiate tighter terms during onboarding. Miss an SLA and we credit service fees per MSA formula, no questions.
Tier 1: your CSM handles routine disputes within your dashboard, attaching evidence automatically. Tier 2: your solutions engineer escalates systemic issues (dispute patterns, CE 3.0 representment opportunities). Tier 3: our executive sponsor escalates directly with the acquirer — named contact, not a general support queue. Tier 3 resolution is typically 3–5 business days versus the 11-day acquirer median.
Yes. Enterprise customers often bring an existing acquirer relationship (e.g., a direct Fiserv or Worldpay contract) and use multiflow as the orchestration layer on top. We also broker new direct relationships if your current acquirer isn't a fit. Either way, you're never locked into our default processor. The acquirer contract is yours, held by your entity, on your letterhead.
Enterprise inquiry
Six questions. A named CSM will reach out within one business day with a 45-minute strategy call calendar link, an NDA, and a one-page pre-read.
Talk to an operator
Human reply within 2 business hours. No chatbot.