Build payments.
Earn residuals.
One API across 45+ processors. Onboard ecommerce merchants in days, become an ISO, and get paid every month they process.
# create a payment curl https://api.morfeous.com/v1/payments \ -H "Authorization: Bearer $MF_KEY" \ -d amount=4999 \ -d currency=usd \ -d source=tok_visa \ -d routing=smart
// your residual · this month
$0
active merchants
0
status
● settling_
illustrative dashboard — figures are examples
45+
processor integrations
$0
merchant cost option
1
API · one integration
∞
recurring residuals
Your code ships once.
Your commission compounds.
Refer and board merchants under your own ISO portfolio. Set your markup. Keep earning residual on every transaction they run — for the life of the account.
// how the money flows
-
01
Merchant processes a sale
Card or ACH, routed across 45+ processors.
-
02
Morfeous settles + splits
Your markup is calculated automatically, per transaction.
-
03
You get paid — every month
Residual deposits while you sleep. Track it in your portal.
// residual estimator
liveest. monthly residual
$0
≈ $0 / year
Illustration only. 1 bps = 0.01% of volume. Your actual residual split, fees, and eligibility are defined in your ISO agreement and subject to approval.
Merchant pays $0.
You still get paid.
With compliant surcharge or dual-pricing, the processing fee shifts to the cardholder. Your merchant nets 100% — and your residual keeps flowing.
Offer zero-costtraditional
$1,000
monthly card volume
morfeous
$1,000
monthly card volume
Surcharging follows Visa, Mastercard, and other network rules and applicable state law — caps apply, debit is excluded, and disclosure is required. Where surcharging isn’t permitted, dual-pricing / cash-discount achieves the same outcome. Figures shown are simplified illustrations.
Board the carts
you already build on.
Drop-in checkout, tokenized cards, recurring billing, and smart routing — tuned for card-not-present approval.
DTC storefronts
Shopify · Woo · custom
Subscriptions
recurring · dunning
Marketplaces
split · payouts
SaaS & software
usage · seats · trials
High-risk ecommerce
hard-to-place MCCs
Digital goods
instant fulfillment
Memberships
tiers · renewals
Travel & events
deposits · holds
Keys to first charge
in an afternoon.
01 — get keys
Instant sandbox
Sign up and grab test keys immediately. No sales call to start building.
02 — integrate
Drop in the SDK
Hosted checkout, REST API, or a cart plugin. Tokenize, charge, subscribe.
03 — go live
Board & earn
Flip to live keys, board the merchant, and residual starts accruing.
// board a merchant under your ISO portfolio const merchant = await mf.merchants.create({ business: "Northwind Supplements", mcc: "5499", pricing: "zero_cost", // surcharge / dual-price iso: "you", // residual → your portfolio routing: "smart" }); console.log(merchant.status); // "review" → "approved"
Webhooks for every state change
Sandbox mirrors production 1:1
Idempotent, versioned endpoints
Portfolio & residual reporting API
Everything to ship
and to scale.
REST API + SDKs
Clean, versioned, idempotent. Node, C#, PHP, Python.
Webhooks
Real-time events for payments, disputes, payouts.
Smart routing
45+ processors, multi-MID failover, higher approvals.
Tokenization
Vault cards once, reuse everywhere. PCI scope down.
Recurring billing
Plans, trials, proration, dunning, retries.
Portfolio dashboard
Merchants, volume, residuals — one pane of glass.
What is an ISO and how do I become one?+
An ISO (Independent Sales Organization) resells payment processing and earns recurring residual commission on the merchants it boards. Apply to the Morfeous partner program, get approved, and board merchants under your own portfolio through the API or dashboard.
How is residual commission calculated?+
You set a markup over cost, measured in basis points (1 bps = 0.01% of volume). Morfeous splits and settles automatically per transaction, and your residual is deposited monthly. Your exact split is defined in your ISO agreement.
How does the zero-cost option work?+
Compliant surcharging or dual-pricing shifts the processing fee to the cardholder, so the merchant nets 100% of the sale. You still earn residual. Surcharging follows card-network rules and state law; where it isn’t allowed, dual-pricing achieves the same result.
How fast can I start building?+
Sign up for sandbox keys and integrate immediately — no sales call required to test. Going live and boarding merchants requires partner approval and standard underwriting.
Which ecommerce platforms are supported?+
Use hosted checkout, the REST API, or cart integrations for DTC storefronts, subscriptions, marketplaces, SaaS, digital goods, memberships, and hard-to-place high-risk ecommerce — all with tokenization and smart routing.
What does it cost to integrate?+
Sandbox access and the API are free to build against. Pricing for boarded merchants depends on volume, vertical, and risk; your residual is the markup you set above cost. Specific terms are confirmed during onboarding.
Build payments.
Earn residuals.
Grab sandbox keys today. Apply to the ISO program. Get paid every month your merchants process.